GENERAL INSURANCE BLOG

You can create great abs without complicated equipment or expensive gym subscriptions. A few square feet of the floor is the only actual space required. According to workout suggestions, we've combined some tried-and-tested exercises to identify the finest abdominal workout you can perform in the convenience of your own home. However, you're mistaken if you believe it'll be lenient with you.

The tough three-circuit superset that follows this intense workout is made to target all your stomach muscles to give you those perfect-looking abs. Are you able to handle it? Here is the workout you'll be doing if the answer is yes (which we hope it is). Instructions for each move are provided below.

1. Straight leg lift:
Your hands should be at your head or sides as you lay on your back. Raise your feet as high as possible while maintaining a straight posture with your legs together. Keep your lower abs contracted as you sluggishly take a step back to the starting position. Perform 10 repetitions of this exercise with a gap of 10 seconds between each repetition.

2. Weighted crunch reaches:
Hold a dumbbell with your arms straight over your chest while lying flat on your back with your knees bent. Crunch to the top of the movement, pause, and lower to the beginning

3. Weighted sitting Russian twist:
Hold a dumbbell out in front of you as you sit on the ground with your knees bent and your feet lifted. Twist to one side, then the opposite, and finally, come back to the centre. Throughout, try not to let your feet touch the ground. Perform 10 repetitions of this exercise with a gap of 10 seconds between each repetition.

4. Weighted sit-ups:
These are one of the most effective exercises to develop abdominal muscles. Lie flat on the floor with your arms straight and hold a weight plate above your chest. Follow the traditional leg sit-ups and bring the weight plate above your head as you rise and then gradually lower back to the floor in a rhythmic manner. Focus on your breathing while doing this exercise.

5. Mountain climber:
Commence by performing a press-up. Draw one leg up and cross it across your body to the opposite elbow without allowing your hips to drop. As you start again, switch to the other leg and repeat. Keep the repetitions controlled yet quick.

More ab exercises:
If you want to get a six-pack, keep your workouts interesting. As a result, having a variety of abs exercises is beneficial. Here are a few additional choices you can consider.

Upper, lower, and oblique circuit training:
These three exercises are the best abs workouts because they work your abdominal muscles from different angles. This way, you can be sure that no muscles are left out. Although the exercises don't include weights, you will need a pull-up bar to perform the hanging exercises.

At-home abs workout:
The only piece of equipment required for this exercise is a dumbbell, which doesn't have to be particularly heavy because you'll be performing several repetitions of each exercise to maximise the time your muscles are under tension.

While maintaining a regular exercise routine is a good idea to develop perfect-shaped abs and a fit body, everyone should also invest in health insurance. Depending on the plan, online health insurance companies offer the insured a variety of health benefits for an attractive premium. You can select the best-suited plan from numerous online health insurance companies and protect yourself and your family with a comprehensive safety net.

Click HERE to buy health insurance from the best insurance provider.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Two-wheelers are the most convenient mode of transport in India. They are budget-friendly, easy to handle, and come with multiple features and various designs. This makes them a popular choice amongst Indians to travel on narrow, inadequately maintained roads with constant traffic due to poor driving etiquette.

While vehicles are no longer designed to fit the fancy of a specific gender, it is easier for women to choose the suitable model, manoeuvre it and ride on the road.

If you are a woman or even a beginner looking to buy a new two-wheeler, here are some features you should look for to find your perfect ride.

1. Budget:
It is only possible to purchase after deciding the budgeted expenditure. Keep in mind the expected utility, life of the vehicle, and additional expenses of fuel, maintenance, and insurance while fixing a budget. With the plethora of options available, it should not be difficult to find a 2-wheeler within your budget, which can range upwards from ₹50,000. However, fixed expenses like 2 wheeler insurance online and servicing are additional costs that are often overlooked.

2. Build and size:
Of the multiple brands in the market, it is challenging to differentiate between models since they are built similarly. Riding comfort is highly dependent on the size of the two-wheeler. Make sure to sit on a stationary model and check if your feet touch the ground, which is a must in situations where sudden brakes are to be applied.

3. Vehicle weight:
Choosing a two-wheeler heavier than you can handle is the worst mistake a rider can make. A test ride and a general inspection will make you aware of its weight and your capability to handle it. By ensuring you can control its weight, you can prevent accidents, put the vehicle on and take it off the centre kickstand easily.

4. Mileage:
Two-wheelers usually provide a mileage of upwards of 35 kmpl. The higher the mileage, the greater the value derived. The advertised mileage is to be considered only when driving on highways. For congested cities, most two-wheelers provide a 35-50 kmpl mileage.

5. Engine capacity:
The power of the engine or engine capacity determines the fuel efficiency and smooth running of the vehicle. Scooters with an engine capacity of 110cc to 150cc are popular for city rides or short-distance travel for women to work and visit the supermarket.

6. Storage capacity:
Unlike a car, a two-wheeler is relatively compact, providing less storage space underneath the seat. Usually, the under-seat storage accommodates a helmet and a few other things. Presently, the largest under-seat storage available is 32 litres. While no additional designated storage space exists, you may have a top storage box fitted at your back seat.

7. Auto start:
Just like automatic transmissions are preferred over manual transmissions in cars, a two-wheeler can have a kick-start or an auto-start. Auto-start is a convenient way to start the two-wheeler by engaging the brakes, accelerating, and using the auto-start button. Kick-start requires physical effort to run the vehicle and is generally not preferred. However, purchasing a two-wheeler that provides both options is best in case one of the mechanisms fails.

Considering the ease of riding a two-wheeler, it is accessible to women of all ages in different economic strata. By following traffic rules diligently and purchasing the best-suited two-wheeler along with 2 wheeler insurance online, you can ensure safe driving and fewer accidents and allied financial burdens.

Click HERE to buy 2 wheeler insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

As per the Motor Vehicles Act, every vehicle owner in India is legally required to purchase insurance. It is a compulsory prerequisite that serves as a preventive mechanism to protect the owner from losses from accidents and damage to the bike. Despite the mandate, many two-wheeler owners shy away from purchasing a policy due to the lengthy process and inspection.

While it may seem like an additional step in the process, inspection is an essential part of the conventional insurance procedure that makes the insurer fully aware of the bike’s condition before accepting to insure it. However, two wheeler insurance online India has become a popular and convenient alternative that facilitates comparison between different policies and allows one to skip the inspection altogether.

Why is an inspection necessary?

Buying an insurance policy is a prudent move on the owner’s behalf. It protects them from any financial losses due to accidents or damages. However, insurance companies also require comprehensive information about the insured vehicle. A physical inspection helps identify the present state of the two-wheeler and whether it complies with Government issued legal guidelines.

The process scrutinises the physical condition of your bike and its documents like PUC certificate, service records, etc., to prevent insurance fraud. This helps the insurer gauge its value and expected life, which helps determine whether they should insure your vehicle and the premium amount.

The inspection may also discover unnoticed issues with your vehicle that you can resolve before it leads to an accident.

Is inspection before insurance mandatory?

Although important, inspection is not a mandatory process. If you buy two wheeler insurance online India, you can skip the inspection by providing basic details of your twowheeler on your preferred insurance company’s website. Usually, it takes a little while postapplication for them to send your bike insurance policy.

Requisites for an inspection-less insurance.

When applying for two wheeler insurance online India, you may notice that different insurance providers have different procedures. While some may use factors like brand, period of use, model, etc., others may only ask for registration details. Typically, the process involves declaring details such as:

● Period of use

● Place of registration

● Record of previous claims

● PUC certificate

● Vehicle registration number

● Maintenance records

● Previous policy details

Circumstances when an inspection is unavoidable.

While two wheeler insurance online India is convenient, requires minimal effort, and eliminates the need for inspection, in some situations, it is inevitable to go through a check, such as

● When your previous policy lapses:
2-wheeler owners need to renew their insurance before the policy lapses or the 30- day grace period expires. During this time, when the vehicle is not insured, accidents or damages may have gone unrecognised, due to which insurers compulsorily inspect the vehicle before approving its insurance.

● When modifications are made:
Ideally, the vehicle should be left untouched without any aftermarket modification to its factory-fitted components. When modified, it becomes necessary to inspect the 2-wheeler to ensure that the additions do not adversely affect the basic functionality of the bike, which can lead to mishaps in the long run.

● When the 2-wheeler is second-hand:
Second-hand vehicles, while being cheap, are essentially weathered vehicles. They possess greater risk than new bikes and therefore need to be inspected after the ownership is transferred before altering the existing policy or purchasing new insurance.

● When the 2-wheeler has been in a recent accident:
For vehicles that have recently been in an accident, it becomes necessary to survey the extent of damage to determine its cost of repairs, current value, and insurable value.

Two wheeler insurance online India is a hassle-free way of protecting your 2-wheeler without having to go through an inspection. By following the general guidelines for safe driving and renewing your policy in time, you can easily avoid the inspection procedure

Click HERE to purchase two wheeler insurance online India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Preferred amongst different economic strata, scooters and bikes help manoeuvre through tight-packed traffic and poorly maintained roads with precision. However, the lack of an effective safety system makes them a risky option, so buying the best two wheeler insurance in India is necessary to protect your two-wheeler against damages and allied losses.

While damages from accidents and maintenance costs of the 2-wheeler are covered by insurance, does the same apply to its additional fittings of glass, fibre, silicon, etc.? Read on to find out if such depreciable parts are covered by your two wheeler insurance policy.

What are depreciable parts?

With consistent use, the value of any vehicle is bound to depreciate. In two-wheelers, the primary function is served by the engine and mechanical parts. However, there are smaller parts made using relatively weaker materials, like silicon, rubber, etc., that inevitably depreciate sooner

Are depreciable parts covered under comprehensive insurance?

A third-party insurance policy is often lacking to provide coverage for depreciable parts. You may have to purchase an add-on cover for several of its excluded items, and depreciable fibre parts are one of the many partial exclusions. Generally, two wheeler insurance only partially covers the repair and replacement costs of the depreciable parts alone. Instead, they cover a marginal percentage of the expense, leaving you to shoulder the burden of the rest of the amount.

The general depreciation cost percentage.
Most two wheeler insurance applies the following depreciated cost percentages on fittings based on their material:

● Fibre: 30%

● Glass: 0%

● Nylon, Plastic, Rubber: 50%

● Battery, Tube, and Tyres: 50%

This implies that the insurer assumes the above-stated depreciation rates to affect the part and only pays the depreciated cost percentage of the repair or maintenance cost. The remaining amount is borne by the insured, which is often a significant portion of the expense.

Additionally, the vehicle’s age also determines the following approximate rate of depreciation:

● Up to 6 months: 0%

● Up to 1 year: 5%

● Up to 2 years: 10%

● Up to 3 years: 15%

● Up to 4 years: 25%

● Up to 5 years: 35%

● Up to 10 years: 40%

● Above ten years: 50%

However, an alternative is available to ensure that your insurance provider bears the expense.

Zero Depreciation Add-on Cover.

In case you have a standalone own-damage insurance or comprehensive insurance, you are eligible to purchase an add-on zero depreciation cover for your two-wheeler. By purchasing this add-on, you can claim the entire cost of repairing or replacing depreciable parts from your insurer.

Check the inclusions of policies when comparing alternatives to find the best two wheeler insurance in India that covers fibre, glass, rubber parts, etc.

Exclusions under zero depreciation add-on. Even after purchasing the add-on to the best two wheeler insurance in India, there remain some exclusions that you will have to bear, including:

● Vehicles older than five years

● Costs of over two claims during the policy period

● Machine-driven breakdown damages

● Damages due to uninsured risks

● Depreciation due to general wear and tear

When to buy zero depreciation add-on. While it is a beneficial facility, consider purchasing a zero depreciation cover if:

● You own a limited edition or premium 2-wheeler

● You live in an accident-prone area with heavy traffic

● Your vehicle is not older than five years

● The cost of individual repairs of depreciable parts is estimated to be greater than the cost of the add-on

Depreciation is an inevitable loss of asset value. Although most insurance covers do not provide for expenses relating to depreciable parts, an add-on zero depreciation cover can convert your preferred insurance into the best two wheeler insurance in India.

Click HERE to buy the best two wheeler insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.