GENERAL INSURANCE BLOG

Road trips with family members, friends, or companions are a pleasant experience to enjoy. You are jamming to your favourite songs, catching updates about one another's personal life, enjoying the views of the route, and are just taking a much-needed break from your hectic work life. All this sounds amazing, comfortable, and convenient. But what would happen if something suddenly goes downhill and you land in a chaotic situation you did not expect?

You must know and be aware of the practical solutions before you end up in a chaotic situation. This blog will discuss the driver and the co-passenger aspects of car insurance. So, here's all you need to know about car insurance's driver and passenger cover. Let's get started!

1. In accidents, passengers get severely injured along with the drivers. As a mitigation measure to avoid financial stress during unfortunate circumstances, getting a passenger's insurance would help to protect their life.

2. The policy covers up to two lacs of hospital and medical bills and permanent or short-term disability liability. In case of the passenger's death, the financial support will go to the nominees or the person to whom the policyholder assigned the money and the responsibility.

3. Personal accident insurance is mandatory for the owner and the driver of the designated vehicle. Passenger insurance is separately entitled insurance unrelated to personal accident insurance. Although, do not mistakenly assume that the lack of enforcement to get a passenger's insurance is something you can be careless about. Secure everyone's lives-whoever is travelling in your car.

4. There are various types of car insurance coverages for both the drivers and the passengers. These include (owner-driver) personal accident insurance, paid drivers' accident coverage, and unnamed passenger personal accident insurance, to name a few. The paid drivers' personal accident coverage ensures that whoever you hire to drive your car is enlisted in that insurance as a paid driver. You can get this add-on benefit in exchange for a small amount. This tends to be a massive plus in the long run, especially during sudden accidents or risks. The individual registered under the title of the paid driver is only eligible for the amount the insurance is supposed to cover.

Unnamed passenger personal accident insurance can be bought as an add-on to protect the life of the passengers travelling in your insured car. You can select the add-ons according to the number of passengers your vehicle can have. And it is mandatory that during sudden situations where you might land in an accident, or something unfortunate happens, this benefit will be only applicable if there are not more than the legally permitted number of passengers (according to your car model and government and companies' instructions).
As the owner of the car and someone who owns a driving licence, you must have owner-driver personal accident insurance under your auto insurance. The insurance amount would be passed on to your legal and enlisted heirs in case of physical disabilities or death due to a vehicle under your name.

5. The owner-driver and the passenger cover under auto insurance act as a secondary safety net for you and your fellow passengers. Usually, standard insurance policies do not offer you such benefits. In the case of the owner-driver personal accident insurance, the insurance company will ensure that the amount reaches the nominee of your insurance in case of any death or tragic circumstances.

As we are already discussing insurance, you must also consider your car's security. Your car is your asset, and you must protect it under comprehensive car insurance. You can also save a considerable cost by avoiding intermediaries' involvement. Buy online car insurance and eliminate the unnecessary stress of the cumbersome process, long waiting time, and commissions to agents.

Click HERE to know more about online car insurance.

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.

Mental health has been a stigmatised topic in India for many decades. While in the cases of most physical illnesses, people are willing to consult a health professional as soon as they detect a disease, they find it challenging to do so in the case of mental health issues.

This is because of the widespread false notion that if you have a mental illness, it makes you a weak person or there's something wrong with you. It is not usually as easy to detect, so it often goes untreated. However, the recent interest in individuals' overall health and well-being has increased interest in purchasing the best health insurance policy in India, which also offers coverage for mental illnesses.

Ignoring your mental well-being can have several adverse impacts. Read the full article to understand the importance of mental health consultation for complete wellness.

1. Mental health affects your physical well-being
Mental health is often seen as something completely separate from physical health. However, we need to realise that the brain is the most essential part of the body. When it gets affected, it ends up affecting the whole body. If this seems too far-fetched, consider that poor sleep and insomnia are caused most widely by stress and anxiety. So are heart palpitations. In a way, the reverse is also true. Since problems in physical health can also cause mental health issues, people with chronic or life-threatening physical illnesses should be constantly monitored for mental health issues.

Trauma, such as head injuries, is the most common example of this. In these cases, it's best to consult a mental health professional immediately and buy the best health insurance policy in India that also covers mental illnesses.

2. Early detection makes a huge difference
As with any disease, early detection makes a world of difference. Symptoms worsen with time, and like physical illnesses, treating a mental health issue is easier when the symptoms are mild. Also, chronic mental issues significantly impact patients' daily lives and make regular routine seem more daunting. It may also cause strained relationships with family, friends, and co-workers, which is undesirable. Early treatment can avoid these complications.
 

Signs you might need to consult a mental health professional

● Sluggish feelings and declining physical health
Physical health is one of the most significant mental health indicators. Depression and anxiety cause many problems in the body, including headaches, fatigue, cardiovascular problems, and muscle aches. They also affect the endocrine and immune systems, affecting physical health adversely.

● Losing interest in hobbies
Depression and other mental issues can make you feel increasingly alienated from the hobbies and activities you previously enjoyed, whether gardening, a sport, or simply socialising.

● Withdrawal from previously fulfilling relationships
Isolation is one of the prevalent methods people use to deal with declining mental health. This can take a toll on your existing relationships and cause them to deteriorate, alienating the ailing person even further. A psychologist can be very helpful in these situations, as they can reinforce social skills and help you practise making healthy relationships again.

● Adverse impact on work performance
A decrease in work performance indicates declining mental health. When you start finding work extremely hard to do and feel lethargic all the time, it is essential to consult a mental health professional immediately.

There is no shame in seeking help when you need it. Taking care of your health's physical and mental aspects is of utmost importance. While consultations can help as a preventive measure, buying the best health insurance policy in India is an excellent way to protect yourself from rising medical costs.

Click HERE to know more about the best health insurance policy 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.

Today's youth have an unhealthy obsession with eating junk and processed food. Call it convenience or lack of time; people often prefer to eat readily available food. But what everyone seems to forget is that, unless you do not have a well-balanced diet, your body fails to produce the required energy, and you end up feeling lethargic and tired.

Food from cafes and restaurants sound mouth-watering and delicious, but they significantly lack the right amount of nutrients, minerals, and proteins, leading to various deficiencies in your body. These can cause multiple health issues and have irreversible implications for your body.

This article will look at all the common deficiencies and how to take care of them.

1. Vitamin D:
If you experience fatigue, muscle pain, and brittle bones, your body is deficient in Vitamin D. Vitamin D is extremely important for keeping your bones strong. The calcium and phosphorus in your body can be absorbed by your bones only if your body has ample Vitamin D.
Weak bones can lead to low bone density and frequent fractures and injuries. An adult needs at least thirty minutes of direct sunlight daily. It is best to catch morning or evening sunlight for the best results. The afternoon sun is harsh and can cause dehydration, allergies, and fatigue.

2. Vitamin A:
Dry skin, dry eyes, compromised vision, and infections are some Vitamin A deficiency symptoms. Vitamin A is vital in maintaining your body's growth, immune system, and reproductive health. It keeps your heart and lungs working properly.
Vitamin A is also responsible for various daily replacements of skin cells and ensures that enough mucus is produced as a barrier to infections. Foods such as fish, egg, carrots, mangoes, papayas, spinach, etc., are high in Vitamin A and should be taken regularly to ensure proper body health.

3. Vitamin B12:
Extreme lethargy, pale skin, breathlessness, headaches, etc., are symptoms of Vitamin B12 deficiency. Your body needs vitamin B12 for several processes, including DNA construction, energy production, and the functioning of the central nervous system. Chicken, fish, milk, and other dairy products are excellent sources of Vitamin B12. In some cases, the deficiency is caused by improper absorption of the nutrients by the body. In such cases, the doctor might suggest an alternative dosage of injections to balance the B12 levels in your body.

4. Protein:
Hunger, weakness, fatigue, skin and hair problems and weak immune systems are symptoms of protein deficiency. Every basic cell structure requires protein for survival, which is why protein is considered the building block of life.
Protein is vital to help your body repair and regenerate new cells. Eggs, poultry, milk, and dairy are some common and readily available dietary options.

5. Iron:
Pale skin, weakness, inflammation of the tongue, weak nails, and chest pain are some symptoms of iron deficiency. Iron is essential for the overall growth and development of your body. It is responsible for maintaining the hemoglobin levels in RBCs or red blood cells.
Seventy percent of the irons found in your body are found inside the red blood cells. Some examples of food with high iron content are spinach, chickpeas, quinoa, and broccoli.

These were a list of the common deficiencies in humans worldwide. Healthy eating habits and regular exercise are imperative for everyone, regardless of gender and age. Another habit that can keep you in the pink of your health is purchasing insurance. Buy a health insurance policy for family and have an added protection to help yourself against any expenses you might incur regarding medications, tests, or consultations.

Health issues can significantly drain your finances and leave you stressed physically and emotionally. By keeping insurance handy, you can positively deal with these issues and make your move towards a healthy life.

Click HERE to buy a health insurance policy for family.

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.

The honeymoon is one of the most important and beautiful periods of marital life. It gives the couple a chance to enjoy each other's company, spend time in beautiful destinations, and make the most of marital bliss. Choosing one of the best destinations for your honeymoon is important so that you enjoy a good time and understand each other well as a married couple.

Many romantic destinations in India can cast a spell over you. They are synonymous with romance, love, and bliss. Since India is such a diverse country, there is no lack of such travel destinations. Whether it is Udaipur's royal palaces or Shimla's snow-covered mountains, there is beauty in every nook and corner of India.

Whenever you take these journeys, you must have an estimate about the general insurance online quote so that you have everything under control and enjoy a safe trip.

If you're looking for the best honeymoon destinations in India, you're at the right place. Following is the list of places that bloom love and entice feelings.

1. Shimla:
If you and your partner want to spend a memorable time on the snow-clad roads of Himachal Pradesh, then Shimla is the ideal destination. It speaks of beauty in every possible way. You can visit the popular Mall Road here and enjoy the aesthetic appeal of this beautiful town.
Shimla is the capital city of Himachal Pradesh and is easily accessible by road from Kalka and Chandigarh. To make the journey more exciting, you can opt to travel from Kalka to Shimla through the scenic route on a toy train.

2. Andaman and Nicobar Islands:
Andaman and Nicobar Islands are one of India's most popular tourist destinations for adventure enthusiasts looking for an island paradise. It provides an enthralling experience that will leave you asking for more.
You can relax with your partner on the golden sands of the beaches or watch the mesmerising sunrise sipping hot coffee together. If you're interested in water sports, you will love this place. From scuba diving to parasailing, there's a lot to explore here. You can easily reach here by air to Port Blair airport.

3. Dalhousie:
Known as the "Little Switzerland" of India, Dalhousie is a beauty in itself. With its lush green valleys and serene surroundings, this town will urge you to stay a little more. The surroundings are so beautiful that you will click many pictures with your loved one here. You can also indulge in hiking, trekking, and camping while you are here.

4. Darjeeling:
Located in West Bengal, Darjeeling caters to the largest tea plantations in the country. It is also home to the largest toy train service in India. Newlyweds can enjoy a blissful evening with their partners in the lush green valleys of Darjeeling. There are also many monasteries to add to the serenity of this town.

5. Udaipur:
If you're a history, royalty, and culture fan, you should visit Udaipur on your honeymoon. It is bestowed with the beauty of several lakes, forts, and palaces. The architecture of the palaces here is not only magnificent but rooted in culture. You can watch the sunset from Fateh Sagar Lake as you spend quality time together.

India offers a lot of options in terms of honeymoon destinations. Couples can never get enough of these breath-taking locations. They have beauty, culture, history, nature, and above all, love. They are perfect for newly married couples who want to experience marital bliss.

Safety is the most crucial aspect, especially when travelling with your partner. Ensure you have a good idea about the general insurance online quote in India and invest in a plan that provides an all-around travel insurance for you.

Click HERE to get the best general insurance online quote.

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.

Indians love having a high-calorie diet without balancing it with an equal workout regime. The direct result is the building up of belly fat. Inadequate sleep, hormonal imbalances, and our family history can also add to this problem. Most of us suffer from it and would surely want to get rid of that extra fat bulging out around our belly. The big question is how?
Yoga is the most straightforward answer to this problem, which is also great for your mind and soul.

Let us go through some yoga poses to help you instantly burn your belly fat.

1. Chakrasana:
Also known as the yoga wheel pose, it is a strong back-bending yoga asana in which your body takes the shape of a wheel. There are several advantages of this asana. It tones the abdomen by stretching the stomach muscles and helps lose belly fat. It strengthens and increases the elasticity of the spine. Also, it boosts your appetite and cures digestive problems. This yoga pose ensures that all your body organs function correctly and you become fit and healthy.

2. Baddha Konasana:
This asana is also known as the cobbler’s pose and is one of the simplest to perform. It stimulates your abdominal muscles, improves digestion, and burns belly fat while strengthening your knees and thighs. It helps open up the lower back area and relieves sciatica. This pose improves the overall health of the ovaries, prostate gland, kidneys and bladder.

3. Naukasana:
We also call this asana the boat pose. This asana can strengthen abdominal muscles, cure constipation and improve digestion. This helps to take care of belly fat while strengthening the arms, thighs, and shoulders. It improves blood circulation and is excellent for the back muscles. This pose stimulates the pancreas, kidneys and liver and is good for the prostate and thyroid glands.

4. Padahastasana:
A great asana to begin with, you simply need to stand straight and bend forwards to achieve the proper posture. This simple asana is excellent for the heart while burning your belly fat by putting pressure on it. It massages your digestive organs and cures constipation and indigestion. This pose stimulates the spinal nerves and tones them. It is also helpful for nasal and throat diseases. It is an excellent asana for increasing vitality and metabolism and boosting concentration.

5. Uttanpadasana:
This asana is good for taking away excess accumulated fat from your belly and hips region and toning it. It is beneficial in curing your back pain and improves the flexibility of your spine. It also strengthens your abdominal muscles and organs and improves the functioning of your reproductive organs.

Yoga is the perfect answer to help you burn belly fat. Moreover, yoga keeps your mind alert and fresh and has several other advantages for your entire body.

While practising yoga is an excellent way of keeping medical issues at bay, it may not completely prevent such occurrences. Therefore, buying a health insurance policy becomes necessary to take good care of yourself and your family during medical emergencies. It acts as a cushion and gives you comfort and backup when you or your family members need any expensive medical treatments. Choose the best health insurance company in India upon which you can rely blindly in times of need and stay safe.

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

We all have enjoyed either bursting firecrackers at the festival of Diwali or watching firecrackers on different celebratory occasions. They are mesmerising and create a view that holds the entire audience together. The beautiful patterns they generate in the sky, the vibrant colours, the sound, the light- everything livens up the vibe and brings happiness to people no matter where they might watch.

While firecrackers are a lot of fun to watch and play with, they are quite dangerous to handle. You need to be aware of the consequences they might have. But there are times when, due to no fault of your own or the designated person handling the crackers, you might have a minor or a significant slip-up and can get hurt. Are you looking for more information on how to treat such injuries after the entire episode? Go through the pointers below and find something to help you handle the injury better. Let's start!

1. Pat down gently:
If someone's clothes catch fire, you need to pat them down gently or roll them up in a blanket to avoid the fire from spreading to other parts of the clothes and the body. Using the blanket or patting them down cuts down the oxygen supply for brief moments, which would help dial down the fire. .

2. Check for burns:
Determine the level of burns the firecracker accident caused. Skin acts as a defence wall between the organs and the fire but if the layers of the skin are severely damaged, immediately rush to the hospital. If the burn looks manageable, clean the area using non-irritable antiseptic liquids and a soft cloth or cotton pad.
Once appropriately cleaned, apply burn-related ointments (for example, Neosporin) and let it dry or wrap the area lightly with bandages. If you are rushing to the hospital, it is better to leave the wound open.

3. Use water first:
Water helps cool down the burnt area, helps in relaxing, and gives a numbing break from the heat and pain. Wash the burnt site before you go ahead with the cleaning and the first aid procedure.

4. Burnt clothes can get stuck:
Fire accidents can cause your clothes to stick to your skin while they are on fire. Do not hurry and try to rip off the burnt part of the clothes. Chances are they are charred and stuck to your skin. Ripping them off like a bandaid might backfire as they can cause skin damage to the burnt area. This might further increase the injury level and cause bleeding and pain escalation.

5. How to treat the scarring:
Often, severe burns cause scarring on your skin, which can be difficult to eliminating. In such cases, you need to use some recommended ointments (refer to your dermatologist) and use an adequate amount of sunblock or sunscreen creams that will suit your skin type without adversely affecting your injuries.

6. Protect the burn from dust:
Dust particles might settle on the scab of your wounds or burns. While they might not noticeably cause damage to the skin if you don't have skin allergies. They can cause irritation and burning sensation as your skin is quite damaged, and the external layers might have worn off due to the injury.

It would be best if you were extremely careful around firecrackers. No matter how much fun they are to watch and play with, a certain degree of safety has to be maintained to avoid accidents. The tips mentioned above were some steps to take care of after a firecracker accident. You need to be watchful about your safety. Get a personal accident insurance policy for yourself and your loved ones to add a layer of protection against these mishaps and stay stress-free monetarily. Enjoyment is necessary, but not at the expense of risking your life. Stay safe while handling firecrackers!

Click HERE to learn more about the benefits of the personal accident insurance policy.

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.

Hectic schedules have evolved into the new normal over time. The constant pressure to excel in various dimensions of life makes it challenging to take a moment out for yourself with an occasional break. For working professionals, no period is cherished more than a long weekend. The joy of a prolonged break from the monotonous daily life is a welcome change, during which many people plan to travel.

Long weekends allow you for short getaways with just enough time to visit places and plan shorter itineraries. Consider these quick tips to plan your solo adventure or family trip on the upcoming long weekends in 2023.

1. Identify a key interest:
Identifying purpose is an essential step in planning for any holiday. Due to time restrictions, satisfying some of your travel bucket list goals may only be possible. Therefore, pursue the top interests from your priority list. This may be nature observation, seeking the thrill of adventure, or a leisurely getaway. Identifying the purpose of the trip helps plan efficiently and narrow down choices of the destination and itineraries.

2. Plan your trip loosely:
We tend to do excessive planning to experience a perfect holiday. While that may help for more prolonged travel plans, tightly packing your schedules on long weekend trips often leads to disappointment. It is ideal to choose a couple of destinations or popular attractions to explore per day instead of allocating timelines to each activity.

3. Travel light:
Short trips often call for impulsive decisions on the move. Travelling with required luggage instead of excess will help you travel quickly at the spur of the moment without considering modes of transportation. Consider choosing backpacks instead of conventional trolley bags.

4. Make reasonable budgets and plan accordingly:
Travellers often underestimate the expected expenditure of trips, irrespective of duration. Analyse your finances before making decisions and set clear limits for budgeted costs. This way, you can plan accordingly without letting your finances take a hit and don't have to compromise on the experience!

5. Consider immersive travel:
Experiencing an unknown culture is the best break from your routine. Immersive travel is slowly gaining popularity as tourists shift their priorities from extravagant, luxurious trips to authentic, local exposure. These trips do not require excessive planning or budget and will leave you with memories that last a lifetime.
Additionally, ensure to get a general insurance online quote if you don't have the policy to cover any accidents that may occur while travelling.

6. Explore your alternatives while booking:
We advise planning for your long weekend trip in advance to avail the best deals on accommodation, commute, and activities. Booking facilities at the eleventh hour often means paying inflated prices due to the high demand for hotels. Use online price comparisons for hotels and excursions to get the most significant value for the cost.

7. Make use of your time efficiently:
We get it; being on vacation means steering clear of routines and alarms. However, wake up early to experience destinations around nature, outdoor activities, and local explorations to make the most of your long weekend. But if you're on a leisurely break, feel free to sleep and replenish your energy!

The perfect long weekend trip does not require excessive planning. Consider the above tips, and get a general insurance online quote to protect yourself and your loved ones to plan the most rewarding weekend trips. With multiple long weekends coming in 2023, get ready to ignite the traveller within you. Create a flexible itinerary focused on your interests without stressing over time- and you have an ideal travel plan customised just for you!

Click HERE to get the best general insurance online quote.

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.

India is known to be a country full of diehard sports enthusiasts. Indians have a massive fanbase for cricket, badminton, tennis, and hockey players, to name a few. Over the years, as interest in sports has picked up, so has the interest in participation. While our international representation in renowned championships has grown, so has the focus on sports in schools. Presently, there are several opportunities for people of varying ages to explore various sports at their convenience and budgets.

One common risk in most sports is the occurrence of accidents. While sports require a certain level of competitive spirit and fierceness, it must be done carefully to avoid injuries. Be it minor or significant- an accident can alter a sports person's life and future opportunities. Besides the fun and excitement, safety is the most crucial aspect of sports.

Since accidents can occur to people involved in sports, purchasing a personal accident cover is advisable. In addition to it, sports players should put in extra effort to find the best personal accident policy in India to cover any costs allied with accidental injuries or death.

What is covered under personal accident insurance?

A personal accident policy covers medical costs that arise due to accidents. Accidents in sports are inevitable and often result in high medical expenditure. Purchasing a plan that covers the cost of hospitalisation and compensates the insured or the legal heirs in case of partial or permanent disabilities is prudent. While the formerly stated patients receive periodic pay-outs, the policyholder's family who dies due to an accident is entitled to a lump sum payment.

It also covers medical bills for frequent accidents like burns and fractures, legal processing, funeral, and child education expenses if opted for as an add-on to the policy.

Insurance policies have evolved over the years to include injuries occurring due to sports, except for adventure sports, which have more significant risks and mortalities. Upon closer observation of the fine print of the best personal accident policy in India, you may find that participating in any dangerous sports activity is not covered under the policy. Therefore, sportspersons need to raise questions and get clarity regarding what is included and what is not in their accident cover to ensure that their claims do not get rejected.

The need for sports players to purchase personal accident insurance:

With the increasing interest in sports over the years, especially after the pandemic, more people are inclined towards pursuing sports as a fitness hobby or career. Being fit is the new trend, and the easiest way to do so is by engaging in a sport you like as a hobby. Whether you are a newbie to the activity or an experienced athlete, the risk of accidents is ubiquitous for all sports persons engaging in strenuous sports

Since accidents come unannounced, sports enthusiasts must research and find the best personal accident policy in India to derive the most significant benefit. If selected right, there are several benefits of an accident insurance policy. It provides coverage against any liabilities arising from the accident in the form of hospitalisation costs and loss of income for a stipulated period. It may even cover your children's education fees if provided. A key feature is the provision of compensation for disabilities, in which case the insured is entitled to receive a lump sum amount.

Therefore, with due diligence, sports persons can easily discover the best personal accident policy in India to cover potential accidents and compensate them or their families for damages arising from such accidents. Injuries are a part of the journey of a sportsperson. Rather than running away, they must face it and conquer every fall to achieve success one day!

Click HERE to buy the best personal accident policy 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.

Defensive driving is the technique in which you drive cautiously and smoothly, minimising the chances of engaging in an accident and damaging your car and that of third parties. Car accidents mainly occur due to reckless and rash driving. A defensive driver ensures that he drives carefully so that he does not engage in a collision.

Let us see why it is important to practice defensive driving and how it can benefit us.

1. Safety and security:
Defensive driving is necessary for your safety, security, and other vehicles on the road. Moreover, it can also save pedestrians around your vehicle from injuries and loss of life. It is an art that comes with planning and regular practice. You need to scan your surroundings and be alert while slowing down or changing lanes so that you do not collide with other cars on the street. A defensive driver believes that other drivers on the road can commit a mistake anytime while driving. Hence, he practices being perfect and better than them to leave no margin for errors.
Accidents prove very costly as you will have to get your car repaired if you meet with an accident. Raising an insurance claim for minor repairs is not advisable as you might lose on your NCB (No-claim Bonus). You will have to bear the cost of repairs and maintenance and the loss of time and effort spent on repairs. There is a high risk of loss of lives and valuable property in case of a severe accident. If you are a defensive driver, you can avoid such situations and practise disciplined driving.

2. Better mileage:
The most common reasons for poor mileage in a car are accelerating abruptly and driving in the high rpm range. You can go fast and enjoy the speed but will burn a lot more fuel and experience poor mileage in return.
A defensive driver always drives at a controlled speed, accelerates softly and maintains an economy rpm range that gives the best possible mileage. Also, he ensures that he does not brake abruptly and changes gears frequently. This helps to save on fuel costs and also prevent accidents due to over-speeding.

3. Low maintenance cost:
A defensive driver drives cautiously and with care to avoid getting hit by another vehicle. Because accidents pose a huge threat of scratches, dents, rubs, etc., on the vehicle that requires an immediate fix. Your car wouldn’t require frequent servicing because of your cautious driving style. You can benefit a lot from the low cost of maintenance and repairs.

4. Fewer traffic challans:
A defensive driver ensures that he does not skip red lights on crossings, over speeds, or enters a one-way road negligently. He is a vigilant and responsible driver. Hence, it is important to practice defensive driving as you will get none or very few traffic challans and save a lot of money and time.

Defensive driving is a skill that can be developed with constant practice, and by promising ourselves that we will not engage in brawls and fights on the road. Also, you must avoid changing lanes frequently, use proper and timely indicators and signals, and stay away from distractions such as the mobile phone while driving.

Good car insurance will benefit you in several ways. It takes care of your safety and security and helps you save on unnecessary repairs and maintenance expenditures in case of an accident. Also, you don’t need to go through emotional trauma and monetary loss if your car gets stolen, as your comprehensive insurance policy will take care of the financial loss and reimburse it. Buy car insurance online and stay stress-free by having a reliable safety net for your vehicle.

Click HERE to buy car insurance online to protect your valuable asset from damage.

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.

India’s passenger-automotive industry was valued as the third-largest globally in 2022. While the market for new cars is predicted to grow at a higher rate in 2023, not all Indian consumers are covered under this segment and belong to relatively lower economic strata characterised by lower disposable incomes. Such buyers drive demand for second-hand or used cars.

Expected to grow at a CAGR of 15%, the Indian used car market is not to be undermined. With global economic conditions' uncertainty, making prudent choices such as buying second-hand cars and purchasing online car insurance is expected to continue. While you can derive significant value from pre-used vehicles, the chances of getting scammed are also higher in case of negligent inspection. Odometer tampering is a prevalent form of cheating that you must beware of while purchasing a used car.

Here’s all you need to know about tampered odometers and tips to detect them.

Defining mileage tampering.

An odometer is a device that measures the usage of a car in terms of the distance it has run. It is calculated based on the wheel's rotation, which depends on its perimeter.

Mileage tampering, or odometer fraud, is a common trick car dealers use to persuade buyers to purchase old and well-used cars. Practised for various reasons, rolling back an odometer is an illegal act done to get a better price by selling a used car.

The issue with odometer fraud.

1. The inflated price of used cars:
By misrepresenting the car’s present condition, car dealers trick buyers into believing that the vehicle is relatively unused and sell them the used car at a higher price.

2. Safety issues:
Apart from the price of the vehicle, it also raises safety concerns. A car that has been used for a long while is sure to have accumulated miles and been through its fair share of harsh weather, rough terrain, and occasional accidents. All these factors are likely to adversely impact the vehicle's internal components and body frame, making it unsafe in the long run.

3. Insurance fraud:
Buying a used car with a rolled-back odometer may put you at risk of online car insurance fraud. While you may not have intentionally misrepresented facts and may be the victim of a tampered odometer, insurance companies see facts at face value and do not consider earlier activities. Therefore, it becomes essential for you to declare genuine and accurate mileage figures related to your car while buying online car insurance to ensure raising a successful claim when needed.

Tips to avoid odometer fraud.

1. Check the service records:
Before committing to purchase an old car, ensure that you check the maintenance records. Missing entries and figures that don't match are a sign to look out for.

2. Inspect the car body:
Check if the car's physical condition aligns with the story represented by the odometer. A worn-out, dent-ridden, paint-scratched vehicle is bound to have been on the roads for longer than one in pristine condition.

3. Look under the steering:
What are some key giveaways of a well-used car? It's the accelerator, brake and clutch! The groove depths of the pedals can indicate the usage of the vehicle and help detect odometer fraud.

4. Check the odometer:
While there are no tell-tale signs, the naked eye can identify a poorly done tampering job. This could be in the form of ill-fitted modifications and off-sounding odometer mechanisms.

5. Experts know best:
If you're sceptical, asking for an expert’s evaluation is best. This way, analogue or digital odometers can be thoroughly inspected for tampering attempts.

Odometer tampering is widespread and spares neither digital nor analogue devices. In such cases, one must always exercise caution and take necessary precautions to detect issues before signing the dotted line. Additionally, continue your prudent streak and purchase online car insurance to protect yourself from the financial losses from car accidents.

Click HERE to buy online car insurance.

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.

Technology is everywhere, and the world has already seen the drastic changes that technology has brought with it. Some hundred odd jobs are expected to be extinct in the next ten years because of the intervention of technology. But what are your benefits? Can you use technology to make things easier for you? These are only some of the many questions that people keep wondering about.

This article will help you understand a small aspect of the tech world that will immensely contribute to your daily life and why you must consider getting your hands on them immediately. Today, we will discuss home automation and why it is a game changer for an urban household.

1. Being in command:
Do you not hate leaving your comfortable sleeping position just to turn off the lights? Well, what if a simple command could achieve that. With home automation, your voice or mobile is the only thing you need handy to get things done around your home. Be it controlling the lights, music, volume, brightness, or the AC. Everything can be made convenient and hassle-free at the convenience of your fingertips.

2. Better security:
Since all the devices, including your doors, are connected to your phone, you can have 24X7 surveillance of your home. Motion detectors, heat sensors, cameras, and automated locks are some of the straightforward home security solutions you can invest in. You can opt for security alerts when you are away from home in case of suspicious activities.

3. More comfortable:
Imagine walking home on a hot sunny afternoon, and you get home, turn on your air conditioner and wait for it to cool the room before you can rest. With home automation, you don’t have to worry about that anymore. You can use your mobile phone to turn on your AC while being miles away from home.
Not only that, if unexpected guests on your way home join you, you can command your home automation system to turn on the guest lights and AC so that your guests walk into a cosy and comfortable living space.

4. Energy efficient:
A programmable intelligent automation system can analyse your active hours and control lights, cooling, and music based on your everyday routine and suggests the most energy-efficient way of applying these to your routine. Such systems not only help in better managing the resources, but they also help you in analysing your daily habits. With home automation, you can keep a tab of everything and understand the energy consumption rate over time.

5. Monitoring kids and pets:
One of the most important benefits of home automation is keeping an eye on your kids or pets. In today’s day and age, both parents are working parents. Monitoring a child’s daily routine can become stressful while being away from home.
With the help of home automation, not only can you see your children, but you can also interact with them over video calls. The same goes for pets. Various kinds of food dispensers dispense food on time to your pets. These gadgets will help ensure that your kid and pet are happy, healthy, and safe.

These are a few reasons why home automation is a significant investment. Safety, convenience, and comfort are only some factors that make it a must-buy for your home. For an added layer of protection, buy general insurance online. Search for an ideal home insurance policy under the general insurance category to safeguard your home and your family against any potential dangers. Get the best deals online and invest in a secure future of your most important asset.

Click HERE to buy general 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.

Zebra crossings worldwide provide pedestrians with a safe option to cross the roads amidst heavy traffic. While road rules might differ from country to country, the purpose of zebra crossing stays the same. When drivers see people waiting to cross the street at one end of the black-and-white stripes, they usually apply their brakes to allow pedestrians to cross the road.

However, unfortunately, most drivers tend to ignore the zebra crossing, nullifying the purpose and putting the safety of pedestrians at risk.

Skipping the zebra crossing deprives pedestrians of the chance to cross the road safely. And being ignorant on the road isn't just a threat to pedestrians; it also puts your vehicles at a high risk of damage. To avoid landing in such trouble and causing significant damage to your car, you must follow the traffic rules strictly and consider getting car insurance India to prevent monetary stress in unprecedented situations.

Where does the problem lie?

Many drivers don't obey traffic lights and make an emergency stop over the zebra crossings, making it hard for pedestrians to use the approved crossing path on roads that are already crowded. Surprisingly, although zebra crossings are present at busy intersections, traffic officials are somehow lenient toward automobiles occupying zebra crossings.

As a result, when attempting to cross the road, people frequently need to use their running skills to safely reach the other side without being hit by any vehicle. When the traffic lights malfunction, it becomes more challenging as the traffic is set loose.

Due to the chaotic traffic, school children wait several minutes to cross roads safely. Most kids assume that because they have learned about zebra crossing since they were little, cars will stop so that they may cross. However, the truth is different.

Unfortunately, many drivers don't know the importance of zebra crossings, and even the public works department doesn't care enough to paint them often. Public awareness campaigns on traffic etiquette are required.

Determining the requirement of a crossing.

Zebra crossings are used on roads with much traffic and where fewer people can cross the road at signal-controlled crossings. Many surveys of busy traffic intersections reveal that pedestrians find it extremely difficult to cross the road.

Also, personal injury accident data showed that most common accidents involving pedestrians happen at busy crossings.

If you're a pedestrian waiting at zebra crossings, then remember to:

● Give incoming traffic plenty of time to see you and stop before crossing

● Wait until both directions of incoming traffic have stopped or the road is clear before crossing

● Look for the traffic signals and avoid crossing in a hurry

If you're a driver, then remember to:

● Watch out for the traffic signal from far and accordingly prepare to halt

● Avoid halting over the zebra crossing and keep it clear for pedestrians to walk

● Never jump the traffic signal

Additionally, keep in mind that:

● Normal drivers tend to ignore crossings that are not frequently used

● Drivers require more time to manage their vehicles when the road is slick

● Cross the street only when the traffic is stopped

Drivers must keep all these things in mind while driving and follow the rules carefully to avoid collisions with pedestrians. Be responsible, follow traffic rules religiously, and avoid over-speeding on the roads. Prioritise your safety, fasten seat belts before beginning your journey, keep all the required documents handy, and purchase a valid insurance policy. Buy the best car insurance India not just because it is mandatory but more as a financial shield to protect you and your valuable asset in case of accidents.

Click HERE to buy reliable car insurance 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.

Owning a car is a huge responsibility, and one should take all the necessary measures to make it as easy as possible. One such important requirement is to get car insurance as soon as you purchase a car.

Getting car insurance is necessary, as it protects you from various damages caused to the car, such as repairing a broken windshield or paying high mechanical costs due to an accident. To get car insurance, one should complete all the necessary procedures, like KYC which stands for Know Your customer.

What is KYC?

Know Your Customer (KYC) is the process of discovering and authenticating the basic credentials of customers by financial establishments like banks, insurance companies, stockbrokers, etc. KYC is typically performed before or during the handling of financial transactions with customers. For example, when applying for car insurance, a KYC is mandatory.

IRDAI-accepted KYC procedure types.

KYC in insurance has become a mandatory requirement by the IRDAI due to the increasing number of insurance-related frauds.

IRDAI has authorised the following KYC methods for the insurer:

● Aadhaar-based KYC

● Digital KYC

● Video-based identification

● By KYC identifier

● Pan card

Depending on the type of car insurance, the insurance company chooses the appropriate KYC method.

Why has KYC compliance become mandatory for car insurance?

As mentioned above, due to the rise in insurance-related frauds, the government of India has made regulations to make KYC mandatory for every type of insurance, be it car insurance or life insurance.

KYC is necessary to ensure the authenticity of the investments and the insurance policy purchased by the individual. It ensures that the insurance coverage is received by the family of the genuine policyholder and not by an imposter.

Insurance companies are required to verify a customer's identity before proceeding with the insurance registration procedure. Strict implementation of the KYC process is an efficient method that allows the banks to authenticate the identity of the customers.

If you plan to purchase a car, the first step should be buying car insurance using the KYC procedure.

KYC documents required for car insurance:

● Passport

● Aadhar card or Voter ID card

● Pan number

● Driving licences

● Bank Statement—not more than six months old

● Verified copies of an electricity bill, a telephone bill, and registered lease and licence agreements

● A letter from the National Population Register containing name and address information

The insurance company will inform you beforehand if any other document is required. Collect all the required documents and get your insurance without any trouble.

Prevent the misuse of your KYC documents.

Submitting your KYC documents is a necessity that brings with it the threat of identity theft. Here are three simple steps to prevent the misuse of self-attested KYC documents:

● Clearly state the date and intended purpose for submitting the documents.

● Similar to the crossing of cheques, specify that the documents are ‘To be used only for the specified purpose’.

The recent wave of digitalisation has made it possible to keep track of all financial products including investments, insurance policies, etc. Regular inspection of such KYC documents makes it easy to detect the mishandling of important documents that may have been used by an imposter.

Purchasing car insurance may appear to be a time-consuming process, but it is a necessity that everyone should obtain for their vehicle's safety. During unprecedented situations where the outcome is unpredictable and could lead to hefty damages to the car, car insurance would act as a rescue and help you steer clear of the monetary stress. As a result, you must investigate your options and purchase the best car insurance for your needs.

Click HERE to learn more about the benefits of car insurance.

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.

Winter brings with it a change that most people welcome. The cold temperatures and delightful food choices make it a pleasant period of the year. Despite the enjoyable climate that makes one seek warmth and comfort from cosy cafes and piping hot winter delicacies, it is a time that you must watch out for health issues.

The drop in temperatures and shortened daylight leads to frequent sickness. In such times, taking good care of your well-being and purchasing a health insurance policy is key to saving on medical costs that may arise due to contingent illnesses. If not taken good care of, health in winter can take a toll and become frustrating due to the uninvited expenses.

While maintaining good health, purchasing or renewing health insurance online is the most important tip for preparing for a healthy winter. Here are a few tips you can follow throughout the upcoming winter months to stay fit while enjoying the season the most!

1. Practising good hygiene:
While this may seem like a no-brainer, good hygiene is the easiest way to prevent catching even the most insignificant cold. The low temperatures and damp environment facilitate microbial growth that can lead to compromised immunity, leading to falling sick often. Wash your hands regularly, especially when you visit public spaces and restaurants, use public transport services and washrooms, etc.

2. Focus on your food intake:
Healthy food has been considered preventive medicine and fuel for one's body, especially in the Indian culture. We usually emphasise immunity-boosting foods like ginger, turmeric, etc. Coupled with fresh produce, these foods rich in vitamins and minerals like Vitamin C are sure to reduce your susceptibility to illness during the cold months.

3. Stay active:
Bundling up in your most comfortable blanket with a hot beverage to combat the cold is highly tempting. While your food choices can provide you with most of the required nutrients to keep you healthy throughout the season, some requirements, like Vitamin D, can only be supplied by exposing yourself to sunlight. Even a short walk in the early morning will improve your mood and keep you active and warm.

4. Ensure adequate sleep:
Sleep is an essential factor that is often overlooked when discussing health. It not only helps fight tiredness and stress but also allows you to wake up refreshed and ready to take on another day with new energy. Adults require a minimum of 7 hours of sleep daily. Provide your body with enough rest to recover and rejuvenate to ensure that it can function effectively and keep you healthy.

5. Dress appropriately:
In recent times, it has been noticed that winters aren't as chilly as they used to be. While present temperatures are noticeably less cold than previous trends, it is still necessary to keep yourself warm. Sometimes, our body does not recognise a cold draft, and staying exposed to it without enough clothing is bound to result in health issues.
In these situations where the weather doesn't warrant wearing heavy winter wear, simply layer on a few lightweight fabrics. These will keep you warm against a slight chill without being too heavy.

6. Quit smoking:
For smokers, foggy winter mornings may seem like an invitation to smoke to keep themselves warm. Smoking suppresses the immune system's normal functioning, which puts smokers at greater risk of falling ill in winter. It is best to quit smoking early and keep chest and lung-related problems at bay.

The cold climate makes one feel lazy and dull, but take the time to keep yourself in the best shape possible. Engage in light exercise daily, dress warm and ensure that you consume fresh food that will boost your immunity. While these tips can help prevent diseases, we encourage you to check your health insurance and purchase or renew health insurance online with just a few clicks so that winter doesn't get harsh on you!

Click HERE to renew health 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.

We all must have travelled by road at night, either by choice or due to some emergency. We try to stay awake and attentive while driving, no matter what happens. Then sleep starts taking over. We feel drowsy but continue to drive, feeling strong enough to stay awake with focus. But, this can be a fatal situation for the driver and others on the road.

So how can we avoid sleeping while driving during the night? Let us go through some of the best tips for the same.

1. Do not drive for long distances alone:
Never try to drive alone for over 4-5 hours, especially at night. Always take a co-passenger along who can drive. This has two advantages. Firstly, you can change shifts with him and rest in the middle of a long journey. Secondly, you will have someone to talk to, which will take your boredom away, and you will stay attentive and awake. If you cannot find a friend or a family member to accompany you for the trip, hire a driver and take him along.

2. Do not drive when you are sleep deprived:
Always ensure that you have slept well for at least 8 hours the night before you plan to drive at night. A proper night's sleep keeps you fresh, and you will not feel drowsy when in the driving seat. Sleep deprivation is one of the major causes of making you fall asleep while driving.

3. Park and take a nap:
What to do if you are sleepy but still have to continue your journey because it is urgent? Park your car on the side of the road, and take a nap for half an hour or so. This will do wonders for you and make you feel refreshed, awake, and alert again. Have some water and wash your face to recharge yourself and continue driving.

4. Turn on some music:
Turn on music that you love on your car stereo and hum with the songs. This will keep your mind alert, and you will feel fresh. Music stimulate your brain and keep you mentally awake.

5. Take caffeine and snacks:
Caffeine is a proven stimulant that helps you to stay awake and alert. Take regular coffee or tea breaks during your drive to help you fight drowsiness. Also, you can keep munching something while you drive. Get out of your car, roll down your windows, and take fresh air, coffee, and snacks.

6. Do not drink and drive:
Taking alcohol before or while driving at night seriously threatens your ability to stay awake and drive with focus. It is prohibited, and even one drink will make you sleepy if you have not had a good night's sleep the previous night or are feeling drowsy. You will feel low in energy, start losing concentration and can meet with an accident.

Sleeping while driving during the night can be life-threatening for you, your co-passengers, and even third parties and other vehicles around you. But it can happen to anyone. Sleep is sometimes uncontrollable, but the factors that can make you sleepy are surely controllable. Follow the above practises and have a safe night's journey.

Before heading out on a car trip, you must purchase personal accident insurance in addition to your car insurance. It will cover disablement and bodily injuries, impairment, and even loss of life while travelling. It becomes all the more essential if you frequently travel by road at night as the chances of accidents increase manifold at that time. Do your research well and choose the best personal accident policy in India.

Click HERE to buy the best personal accident policy 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.

Every industry undergoes some reform from time to time. This can be due to various reasons- changes in the country’s economic conditions, level of crisis, the impact of international and national markets, contribution to the nation’s GDP (Gross Domestic Product), budget regulations and much more. Several types of insurance act as investment plans, help you in a financially stress-free emergency, provide tax-saving benefits, and ensure a secure future for your loved ones and dependents.

Does the insurance sector undergo changes and reforms on a large scale too? The answer is yes. The premiums, terms and conditions, age limits, benefits, renewal, etc., are reviewed and revised when needed. This ensures that the insurance matches pace with the current economic conditions, the situation in the market and the demands of an existing and potential set of customers. And if you are someone who has purchased insurance policies or is planning to explore your options in the sector for all the good reasons, you need to stay updated with the changes.

This blog will discuss the revised terms and reforms you need to be aware of in the insurance industry. So, let’s get started!

The pandemic caught the eyes of the insurance sector reforms:

The covid-19 pandemic brought the entire world to a very unexpected halt. Given the pace of development and technological advancement, the pandemic situation across the globe was beyond the people’s and government’s imagination. While people were under lockdown, several opportunities opened up, and many sectors, mainly fintech, saw massive growth. In the insurance sector, which is majorly categorised into life, health and general insurance, the FDI (Foreign Direct Investment) limit is increased to 74 per cent from 49 per cent as per the new Insurance Amendment Bill 2021 passed in the Indian Parliament.

This was primarily focused on getting more foreign investments onboard. Why? The insurance sector is considered a good investment option. It is a capital concentration with a long development period. It takes at least seven to ten years to start making profits apart from their regular budget, retention and expenditure.

What does the FDI reform ensure:
The FDI reform discussed in the previous point will open up multiple avenues for investment in the insurance sector. This will significantly aid them in growth and expansion, even overseas. The whole loop continues and might attract more foreign interests, thus helping them flourish economically, eventually providing new features and insurance options for the customers such as

1. Pay-as-you-use motor insurance plan has now been ideated into the motor insurance framework. This would enable the customers and policyholders to reduce their premiums as per reduced coverage by availing of the switching on and off options.

2. Health insurance plans have been customised to comprehensively understand the needs of people during stressful times of covid. The comprehensive health insurance policies have incorporated mental health issues, covid-19 problems, modern procedures and treatments, etc.

Health insurance providers have been permitted to raise or reduce the health insurance policy premiums by almost fifteen per cent after three years. This is considered a significant reform in the health insurance sector and the pricing of these policies.

Some other reforms were accomplished regarding insurance awareness programs to ensure that people from the remote sectors of the country know the benefits of insurance policies and can avail a secure future, introduction of digitalisation of KYC and verification processes for the convenience of the existing and potential customers, 24*7 online help assistants, etc.

These were some updated terms and reforms you need to be aware of in the insurance industry. Insurance coverages help secure a financially stress-free situation when you encounter unprecedented circumstances that can endanger your health, assets or life. So, a wise option would be to explore all your options from the comfort of your home and buy insurance policy online that would cater to your needs in the best ways possible.

Click HERE to know more about how you can buy insurance policy 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.

Have you ever been driving around and seen someone cutting it too close to your car's bumper? If yes, you are familiar with tailgating. For those unaware of the term, tailgating happens when there is insufficient space between your car and the one in front of you or behind you.

The likelihood of a collision increases with just one forceful brake from the vehicle in front. Tailgating increases the risk of accidents, making it essential for car owners to protect their vehicles. Also ensure that you avail of online motor insurance renewal services offered by your preferred insurer.

While insurance can help you safeguard your vehicle and yourself from financial contingencies, here are some tips to prevent tailgating.

What are the risks of tailgating?

A significant risk of tailgating is that drivers do not provide adequate space to stop if the vehicle in front suddenly decelerates which more likely makes a rear-end collision. A multi-car pileup that starts with one rear-end accident is expected to spread. Accidents involving a rear-end often result in neck and back injuries.

Another risk of tailgating is that it can create pressure on the vehicle's driver in front to apply the brakes to dissuade the tailgater. When the front driver performs what is known as a brake check, an impending collision may result if the foot is held down for even a brief period. In the worst case, brake inspections can also spark road rage among tailgaters.

Ways to prevent tailgating.

Driving too close to the car in front is the main reason for tailgating. Maybe you're upset or impatient and hurried. Whichever one it is, tailgating puts you and other drivers in danger every time.

Here are some tips to help you maintain a safe distance.

1. Understand the distances you often stopover:
The variation depends on how quickly you're moving. You might get into problems if you can't stop in this amount of time. Remember that stopping distances increase in wet circumstances, so be cautious and give the car in front of you enough room. You should raise the spacing by up to 10 times on slippery roads and at least double it in wet conditions.

2. Maintain your calm:
Avoid venting your frustration to other drivers if you feel irritated, furious, or exhausted. Stay at home until you feel better, or pause to unwind and regain focus before resuming your driving. It costs nothing to drive courteously and makes everyone's journeys safer.

3. Make use of your car safety features:
Nowadays, many vehicles feature collision warning systems that warn drivers if they approach the car in front too closely. Utilise such devices, but don't entirely depend on them. Always follow the road regulations rather than pushing your car's technology to its limit.

Driving is a skill that requires significant experience to master. Keeping calm and efficiently managing situations like tailgating is an indicator of an experienced driver. While you may not be able to control other drivers and their behaviour on the road, you can always ensure your vehicle's safety by following the above tips. Also, remember to avail an online motor insurance renewal service or purchase a new motor insurance policy to protect yourself from financial losses due to an accident.

Click HERE to proceed to online motor insurance renewal.

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.

A lot of stress surrounds the idea of getting your package shipped overseas. Knowing that your cargo will travel a long distance, you will want it to reach its destination safely.

While sending your package overseas, there are a few crucial things that you should keep in mind to save time and effort. The best thing you can do is look for a reputable and trusted cargo shipping company that will take care of your package. If you're sending a cargo for the first time, then there are several things you must know.

While you plan to ship your cargo, consider securing it with reliable marine insurance. For this, you need to be familiar with different marine insurance companies that offer this insurance at the best rates.

And to help you choose the best cargo shipping company, here are a few tips to make the right decision.

1. Competitive prices:
Pricing is one of the first things to consider when you choose a cargo shipping company. It would help if you did ample research about the average cost of shipping overseas.
In this way, the companies will not be able to scam you into paying more than usual. Consider a company that delivers on time and takes full responsibility for the goods to reach safely.

2. Delivery timeline:
The delivery timeline is also very important whenever you ship a package overseas. It can take days, weeks, and even months to reach your desired destination. Before you choose a company, enquire about their delivery timelines and make sure they are reliable and intact. The arrival of the package on the estimated date is significant.

3. Safety:
It is always wise to opt for a cargo shipping company that has been registered and procured a business license and permission from the concerned government authorities. Make sure to research it in advance, so you do not lodge yourself in a possible scam later. Try and track down customer reviews and feedback as well. Your package will be valuable and worth thousands of rupees. Safety is essential and it should not be compromised in any way.

4. Reliable insurance:
Your package should have good insurance to back up its security. Go for marine insurance companies that provide comprehensive and hassle-free coverage for your cargo package. This ensures that you get compensation, if things, unfortunately, go wrong.

5. Tracking:
Before you choose any cargo company, ask them about tracking mechanisms. In this way, you can follow the whole movement of your package through live tracking status. Your cargo shipping company should provide you with the tracking details. If it doesn't, avoid choosing that company.

6. Customer care:
Every cargo shipping company should have a functioning and active customer care service to answer all your queries related to the shipment. Make sure that you do a thorough background check on the company you are choosing. Select a company with an active customer service with 24/7 support.

When you invest your valuable time, effort, and money in sending the parcel to your family or friends, you always expect it to reach them safely and on time. These tips should be your priority when choosing a cargo shipping company for your goods. Additionally, it would help if you purchase insurance to cover the financial loss if your cargo gets damaged due to mishaps. Research the top marine insurance companies that offer relevant insurance for all your needs, compare their policies, understand the terms, and then make a final decision.

Click HERE to know more about marine insurance.

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.

In a world riddled with war and crime, it is always good to know that if need be, you can defend yourself. With active crimes rising daily, it is best to have some tips and tricks under your belt to protect yourself and your loved ones. One way to ensure your safety is by enrolling in self-defence classes. There are various kinds of self-defence methods that you can practice, such as karate, krav maga, boxing, judo, etc.

Choosing the one that best suits you and piques your interest can make learning more enjoyable. People have professed the importance of self-defence for women and children, but what is important to remember is that self-defence is for everyone.

This article will examine the importance of self-defence classes and why you should consider enrolling in one.

1. It helps your physical form:
One of the most crucial elements of self-defence is timely reflexes. If you are put in a dangerous situation, your mind and body should manage to work in sync. You can only achieve this with practice. Training can help you inculcate the necessary conditioning and helps you with a better fight or flight response.
Your body prepares for an adrenaline dump with the right amount of practice. Adrenaline dump is a reaction the body goes through in case of unprecedented dangers. Since the adrenaline rush lasts only a few moments, it is crucial to act immediately for the best outcomes.

2. Builds confidence:
When people are timid, they tend to undermine their skill set and are incapable of protecting themselves. Self-defence is an excellent way to build confidence and protect oneself in times of need by believing in their skill set.
Being confident helps you defend yourself and leaves a lasting impression on people. If you are aiming for overall development, self-defence can be extremely helpful.

3. Master discipline:
Excelling in any field requires hours and hours of hard work and dedication. The same applies to self-defence. The more hours you put into mastering this art, the better you will get the results.
The urge to improve yourself can drive you to a dedicated routine, which builds a disciplinary lifestyle. So, taking self-defence classes helps you stay focussed, grounded, and more aware of your surroundings.

4. Fighter instinct:
When faced with life-threatening or dangerous situations, it is best to start acting as early as possible. The quicker you are with your thinking, the sooner you can fight through your opponent or potential threats.
The power and the speed of your attack will help buy you some time before the attacker attacks again. You can utilise this time to escape or attack the opponent to keep yourself safe. These seconds can play a vital role in deciding your survival.

5. Makes you more goal-oriented:
Your goals at any particular time can be as small as achieving the perfect kick or as daunting as escaping a kidnap. Upon seeing an improvement in form, you only want to better yourself and make yourself well equipped to withstand any attack. Setting these small goals can significantly impact your form and energy.

These are a few reasons self-defence should be a part of everyone’s life. If you have children, it is best to give them an early start. We are constantly surrounded by news of mugging, killing, robbery, and kidnapping. Preparing yourself and your loved ones for any such thing is the best way to ensure their safety and welfare.

Another crucial way to ensure full protection for your family is by enrolling in personal accident insurance India. Personal accident insurances are the much-needed safety net that gives fruitful results during emergencies. Your insurance provider will help you financially to avoid an unnecessary burden on your shoulders to deal with the situation.

Click HERE to buy personal accident insurance 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.

Critical illness insurance covers serious health conditions that require expensive and long treatment. Such illnesses include cancer, paralysis, stroke, organ transplant, heart attack, coma, etc. The treatment for these illnesses can drain your savings and negatively impact your financial condition.

The recovery is time-consuming, beginning from the detection phase to a myriad of medical tests to surgery and then gradually returning to normalcy. All this will cost us much more than any normal health insurance coverage. This creates the need to have dedicated insurance cover for critical illnesses that are affordable and provide robust protection.

Let us look at the best tips for affordable health insurance plans for critical illness.

1. Comprehensive critical illness insurance policy:
A comprehensive critical illness insurance policy gives us a lump sum amount after we submit the required documents to the insurance company. You can use this sum to pay for the treatment cost, including diagnosis, hospitalisation, any surgery in the process, and the doctor's fees. The sum assured under such policy is fixed. Hence, you can plan your insurance coverage as per your specific needs.

2. Buy it as a rider:
You can buy a critical illness insurance policy as a rider to your existing health insurance policy. Hence you will not need to buy a new insurance policy to get this cover. Also, try to get this additional coverage in the health insurance policy provided by your employer to save money.

3. Low cost:
A critical illness insurance policy does not cost us a very high premium. The premium for such policies is much less than that for your regular health insurance. However, these covers provide us protection only for specific situations. Hence, they should never be used as a substitute for your regular health insurance policies.

4. Compare the premium charged:
Always compare the premium charged for critical illness insurance policies of different companies and select the most affordable one. You can do a detailed online search instead of visiting every insurance company's offices individually.

5. Check for the exact inclusions:
Always check the features and the exact inclusions of the policy because they may vary with every insurance company. Do thorough research and list what the policy does not cover. For example, your policy may state that it covers cancer. But it may also be mentioned in the fine print that it will provide a cover for cancer only after it reaches a certain level of severity.

6. Waiting period:
Look for a policy with the least waiting period. Usually, you can raise a claim for a critical illness after 90 days from the date of commencement of your policy. If you have a pre-existing major disease, the cover may start as late as 48 months from the commencement of the policy.

7. Age limit and benefits:
Always ensure the age limit until your policy provides you with insurance coverage. This will be helpful to you when you cross 60 years of age. There are some companies that provide a lifelong cover. Hence, it is advisable to choose such plans. Also, you should assess the benefits of your policy, such as NCB (No-claim bonus), in case you do not make any claim in a year.

Critical illnesses can result in the loss of your job, partial or permanent disability, and leave you with no source of income. The high cost of treatment can result in draining your pockets as the coverage provided by standard health insurance policies is insufficient for such misfortunes. The solution is to go for the best critical illness insurance policy available. The above tips can help you to choose the most affordable health insurance plans for critical illness upon which you can rely in times of actual need.

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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.