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What happens to your car's engine if you drive it without coolant for long
Much like oil, the coolant in your car is a special fluid that can't be overlooked. Although, in comparison to oil, the coolant needs less attention. Car owners often tend to neglect it, which can severely damage the vehicle and potentially be life-threatening.
This post will give you a clear idea about what will happen if you drive with low or no coolant.
What is coolant?
Coolant is a combination of water and antifreeze. It has a greater boiling point than water, and works at higher temperatures and pressures to regulate the heat generated in the engine. It takes heat from the engine and radiates it back into the atmosphere via your radiator.
Here are the effects of driving with insufficient coolant.
1. Overheating:
The main function of a coolant is to extract heat from the engine. A shortage of coolant may cause your car engine to overheat. If you continue to run an overheated engine, there could be irreversible damage, such as pistons welding to the cylinders.
2. Engine cutoff:
Modern vehicles feature a safety mechanism that will turn off the engine if it suffers considerable damage due to a lack of coolant. Although this function can help you save on engine repairs, it can leave you stranded on the road.
3. Damage to the water pump:
The water pump’s function is to circulate coolant throughout the engine. The pump will continue to run dry if there is insufficient coolant. If the pump goes dry, racks and pockets of air will form in the coolant channel. This increases the pump’s burden and can destroy it permanently.
4. Damage to engine:
The engine blocks are not the only sections that can be damaged by overheating. Many other components can become exposed to heat.
Below is the overview of parts that may suffer the wrath of an overheated engine:
• Head gaskets
• Cams and pulleys
• Warped or bent connector rods
• Crankshaft
• Piston timing
• Connecting rod
5. Decreased mileage:
Your car's engine will be less efficient if you don't have enough coolant. Friction generates more heat, which means more energy is spent. As a result, the fuel efficiency is dismal.
How to identify low coolant levels?
1. Dashboard Warning:
The coolant warning light will light up on your dashboard when car sensors detect a low level of coolant. Keep an eye on your dashboard; it is essential to note that not all cars, especially the older ones, have this feature. Therefore, consider manual checking of the level periodically.
2. A.C. blows hot air:
If your AC unit starts blowing hot air, it is a sign of a lack of coolant.
3. Lower mileage:
Your car starts to consume more fuel per km and shows reduced engine performance.
4. Temperature gauge rise:
The temperature levels of internal components start showing an unexpected spike due to the low level of coolant.
It is vital to make regular coolant checks a habit. If your car's coolant runs out, pull over immediately. Let the engine cool to a safe operating temperature before going to the nearest garage.
If you're unable to drive to a garage, have your car towed to avoid the risk of further damages. Car insurance proves to be a valuable investment in such situations. So, purchase a car insurance policy that provides you with your desired benefits and adds value to your four-wheeler.
Click HERE to invest in ideal car insurance that meets all your requirements.
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.

Here are a few security regulations that the next-generation cars need to adapt
Technological advancements are visible in a country like India, where economic developments are happening rapidly. These changes are accelerating the growth in all sectors, including the automobile sector. The car industry is an essential growth driver of the Indian economy, and a lot is yet to be done in this field.
Additionally, the Indian economy is set to grow by 7.4% in the coming years. This will significantly impact the automotive industry as well. Car sales in the country have grown by 50% in the last few years, and it is set to record more in the coming years. Automobile ownership will take a giant leap and be a convenient option for most commuters.
However, with such growth, the risks also increase. This also leads many fraudsters to take different ways and means to hack and steal. As the existing state of motor security in India is inadequate, every motor insurance company in India is trying to protect people against such crimes.
All next-generation cars must follow more security regulations to address these challenges. Let's have a detailed look at them.
What is the current scenario of vehicle security in India?
Like everything else, the car security statistics of India are not satisfactory. Every year, more advanced means of theft are discovered. Car theft, hijacking, and robbery are common matters these days. The cars are also more prone to theft because there aren't enough safe parking spaces, which makes them easy targets for carjackers.
What is car hacking?
The automotive industry is under the radar of cyber criminals every day. As the technology is being developed, the risk increases. Vehicles are more connected and automated than ever. This allows cybercriminals to hack into the system and steal valuable data.
They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.
They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.
What can be done to prevent it?
After the car theft crime rate is increasing rapidly, the Indian government initiated various guidelines for the automobile industry. These security regulations need to be thoroughly followed by all future vehicles. These rules will keep drivers safe and expect to reduce the crime rate. These are
1. Security standards:
The government is trying hard to elevate the safety standards of vehicles. This means that all vehicles need to be equipped with GPS trackers in the future. Additionally, an anti-theft device should be placed too.
2. Using a High-Security Regulation plate:
HSRPs come with a non-removable snap-on lock which is irreplaceable. All the vehicle details, like chassis and engine numbers, can be collected and stored in a secure database using HSRP. These unique number plates will bring uniformity by eliminating the use of fancy plates. This can also aid authorities in easily tracking your vehicle's registration number.
3. Update all software:
It is crucial to regularly update all security patches of your vehicle's firmware and other IoT software to eliminate any possibility of hacking or breaches. Another advanced solution for connected vehicles includes public-key infrastructure (PKI) that ensures a superior level of security.
4. Awareness:
Regular awareness drives and car security campaigns are mapped out for all car owners so that they can be prevented from theft. This also includes educating them about tracking devices, hacking, etc.
5. Accessible public transportation:
The government is creating a massive public transportation infrastructure for the general public's convenience. Buses and metros are being developed every day, and more cities are being included in the list of metros. This will reduce the dependence on private vehicles.
The future of next-generation cars relies on technology. GPS trackers, Bluetooth connectivity, and anti-theft devices are the future of the automotive industry. They will be mandatory in the future. Every motor insurance company is considering them while planning out their insurance policies.
Click HERE to buy a policy from the best motor insurance company.
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.

When should you switch to comprehensive car insurance from third-party insurance
For many years, owning a car has been looked at as a show of wealth. But in recent years, a vehicle has become more of a need than a luxury or leisure. Yet purchasing a four-wheeler is still recognised as one of life's significant achievements and investments.
As an impact of the pandemic, people are more likely to travel by car than public transport. Whilst the value of owning a vehicle has grown over time, ensuring its security and safety is essential. Therefore, do not overlook your car's insurance and get car insurance renewal on time.
What is comprehensive car insurance?
As the name suggests, comprehensive car insurance is broad insurance coverage that provides security against various concerns. Comprehensive car insurance is so far the most commonly adopted kind of automobile insurance since it covers both parties in the event of an accident. It protects you in a crisis, accident, robbery, fire, or explosion, among many other situations. Including extras or add-ons to comprehensive insurance, such as depreciation cover, emergency assistance, engine protection, and so on, makes it a more customisable and desired kind of auto insurance coverage.
What is third-party car insurance?
The Motor Vehicles Act of 1988 states that third-party car insurance is the most basic and necessary insurance to possess and is required for all car owners. Third-party insurance, as a contrast to comprehensive insurance, provides limited coverage. It protects you against losses made by your vehicle to a third party. The damages done to a third party's car, property, or the individual themselves will be covered under this policy. This sort of motor insurance covers any third-party damages, injuries, or losses caused by the policyholder's misconduct.
When to switch from third-party car insurance to comprehensive car insurance?
Following are a few reasons to switch to comprehensive insurance from third-party insurance:
1. Covers your losses:
With the exception of basic third-party car insurance, comprehensive car insurance covers your vehicle for losses caused by a range of factors.
2. Customisable add-ons:
One of the chief factors for switching to comprehensive car insurance is customising the coverage depending on the various add-ons offered by the insurer. Customising the plans gives the policyholder the independence to get better coverage and benefits.
3. Personal accident coverage:
In addition to injuries caused to a third party, comprehensive car insurance involves personal accident coverage for your treatment in the event of an accident. This feature is crucial for all policyholders and can be extremely helpful during unexpected situations.
Getting the proper car insurance coverage is as crucial as getting the perfect vehicle. While the law requires you to have motor insurance, do not limit yourself to the bare minimum. A comprehensive auto insurance coverage protects you against the expense of hospital and auto repair fees. It provides all-around protection, making it a must-have in your inventory.
Similarly, remember the importance of purchasing ideal car insurance and even timely car insurance renewal to avoid interruption in the benefits.
To get a car insurance renewal, click HERE .
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 ignored benefits of wearing your biking gloves on long rides
Are you a long-ride motorbike enthusiast? Fun is always the best part of such experiences. But what about the rider's security? Safety gear like gloves is a matter of debate, with some viewing them as a fashion statement rather than a necessity. However, gloves can help you maintain a firmer hold on the handlebars, absorb shock better, and protect your hands in the event of a spill. Every rider should have a helmet and gloves for protection.
Investing in a good pair of biking gloves will make you look like a pro and make your rides safer and more comfortable.
The benefits of wearing your biking gloves on long rides.
Your head requires protection while biking so does the rest of your body. If you're in a collision, your legs, arms, and hands are also at risk. Investing in appropriate protective gear for these body parts is a good idea to ensure your safety on the road.
In the event of an accident, your natural reaction is to grab hold of the handlebars as tightly as possible. Most of the impact on the ground will be absorbed by your hands. If you're not using gloves or other protective gear, your hands are at risk of serious injury. To protect against harm, gloves are essential. A cushioning layer prevents damage from falling to the ground's grit, rocks, or gravel.
1. Concern for the riders' well-being:
Some gloves for bike riders feature a cutting-edge design that boosts user protection. To indicate a turn, urban bikers frequently don LED turn signal gloves. The gloves have a futuristic design and are illuminated to send a clear message at night. Most bikers agree these gloves are ideal for using hand signals while riding. Their longevity and solid build quality are additional selling points.
Comfortable gloves are great for long rides because they keep your hands warm and dry. And this is the main reason why bikers always wear gloves. It's normal to get sweaty palms after a long time spent on a bike. Because gloves can soak up moisture from your hands, they significantly improve your comfort level. A tight grip on the handlebars can cause discomfort from pressure and friction. You can reduce this if you wear gloves or other hand protection.
2. A firmer hold:
The temperature and humidity where you are biking can cause your hands to become damp and sweaty, resulting in a compromised grip. High-quality biking gloves allow air to circulate so your hands stay dry and comfortable.
3. It can reduce the impact of a fall:
If you enjoy riding over rough and rugged terrain, you should get accustomed to constant pressure. Gel pads or padding are commonly found in gloves for just this purpose. The gloves' palm padding helps absorb impact and distribute pressure more evenly, protecting your hands from injury.
4. Riding comfort:
Winter weather is a constant obstacle for bikers in northern latitudes. The cold will be especially noticeable on your hands. Good gloves help you ride comfortably to places in cold weather.
In conclusion, biking gloves are vital yet overlooked safety gear. Numerous situations call for the riders to always opt for protective gloves. The level of comfort and security it provides while you ride a bike is elevated to new heights. In addition, a bike insurance online plan protects the policyholder against losses resulting from theft, natural disasters, man-made calamities, etc., making for the perfect protection provider to accompany you on your long-distance adventures!
Click HERE to buy bike 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.

Things to remember while making endorsements that can save your car claim from rejection
Applying for a car insurance claim may be a stressful procedure, regardless of how well you may have painted the picture for yourself. However, not all insurance companies are trying to steal your hard-earned money. You can cope with any problems with car insurance claim settlement that may arise by just being informed of the specifics involved in the procedure.
Having a car insurance claim denied is common, though. There's a good chance that someone you know has experienced it. Additionally, it frequently occurs that the policyholder cannot understand why their car insurance claim was denied, which only heightens their frustration.
However, you need to know a few things concerning the rejection of a car insurance claim.
Reasons for denial of car insurance claims:
A typical car insurance coverage will often cover loss or damage brought on by theft, accidents, or other people. However, it would be absurd to assume that your car insurance company will pay for any losses or damages that result from the normal wear and tear the car experiences over time and with use.
What should you keep in mind to avoid your claim from getting denied?
1. Give accurate documentation, even when applying online:
Refrain from giving false or inaccurate documentation for insurance purposes, even if you are applying for a claim online. If you submit a claim and the insurer discovers that the supporting documents are incorrect, misleading, or even phony, your claim may be denied.
2. Read the policy document in its entirety:
Because they are more knowledgeable about the policy's terms and conditions, insurers can better find a point you ignored and use it to support their decision to deny your claim. To avoid this, policyholders are encouraged to carefully read their policy contracts to be informed of what will be covered and what won't. Feel free to seek assistance from someone knowledgeable in insurance jargon to clarify the policy and assist you if you are unsure of what it says.
3. Save every invoice and receipt:
It would be a good idea to have such accessories covered under an add-on cover if your car is equipped with anti-theft gadgets, an expensive radio system, or anything else that is not included in the car's standard equipment. The bills or receipts for purchasing those accessories must be presented, though, if you ever need to claim for the damage or loss of those items. The related invoices and receipts must be available. In every other case, the assertion is likely to be disproven.
4. Remain within the claim intimation time window:
Insurance companies typically stipulate that policyholders have 48 to 72 hours to notify the insurer of any incident or accident after it has happened. Always do so. However, this may only sometimes result in your claim being denied.
5. If a car is stolen, file an FIR right away:
You would be quite stressed if your car got stolen. To register a claim, particularly in the event of a theft, you must first file an FIR at your local police station. Take notice of this step. A claim's submission or approval could be complex without an FIR.
6. For co-passenger protection, take a separate cover:
Co-passenger insurance must be purchased separately for each passenger if you want to provide coverage for them while riding in your car. If you do not have adequate coverage for your fellow passengers, the insurance company may deny your claim for their injuries in the event of an accident.
You can conveniently buy online motor insurance policy, but getting a car insurance claim granted might be challenging. Nothing in this is set in stone, and you may always contact your insurance provider to figure out how to resolve a denied claim or learn the reasons for the denial of your claim. Invite those with knowledge of insurance issues to assist you.
Click HERE to buy online motor 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.

Why are annual health checkups required for adults above 50
As we get older, our body becomes subject to more wear and tear. Several adults develop comorbidities and illnesses as they hit the milestone of 50. At this stage, getting medical tests and screenings is crucial to maintaining a healthy lifestyle and habits.
While maintaining overall wellness is important at any age, adults are more prone to discovering their underlying health issues at this age. This is when it becomes imperative to get well-rounded annual health checkups to ascertain any medical worries and improve their quality of life.
Unfortunately, along with a sense of wisdom, getting older also brings a list of health complications. While investing in health insurance in India can secure your parents' medical worries, conducting annual health checkups is paramount.
Benefits of annual health checkups for adults above 50.
1. Discover health issues early on:
Getting health checkups involves various scans and blood tests. There are several things you can learn from these tests. When shown to your physician, they can point out any deficiencies and more extensive problems that your tests may reflect. Knowing about these health problems as soon as possible is key to controlling and managing them effectively. You may not be suffering from any symptoms early on. However, it's better to learn about these issues by running tests before matters get out of hand.
2. Know about a disease you're at risk for:
Your tests can also help your doctors find any problems leading to more severe diseases or illnesses in the future. Knowing your family's health history and comparing it with your own can help draw parallels and understand what condition to prepare for.
3. Manage chronic diseases effectively:
With every annual checkup, you can learn how many changes your body goes through. You can also know when you may develop long-term comorbidities like diabetes, hypertension, thyroid, asthma, arthritis, etc., that need hands-on treatment.
4. Save time, effort, and money:
Precaution is always better than cure. Regular checkups can help you prevent illnesses and save you from dealing with severe symptoms later on. Even though you may have secured the retirement life of your parents by investing in health insurance in India for parents, it is always better to know about the upcoming challenges you need to cope with. This saves the amount of time, effort, and money that needs to be spent controlling the health complications that get worse with time.
5. Make better lifestyle choices:
Health issues do not arise simply due to hereditary or genetic makeup. They can also occur due to unhealthy and toxic lifestyle choices. A regular habit of indulging in unhealthy food, liquor, and other narcotics can adversely affect your health.
Unhealthy habits like smoking can cause respiratory and blood toxicity. Getting annual health checkups can help you understand what physical issues these unhealthy habits are causing and how to fix them.
To sum it up, adults need to understand the importance of getting annual health checkups once they turn 50. Ignoring your health will only lead to more problems in the future. Encourage the elders in the family to get yearly checkups on time to avoid undue stress and health concerns. Remember to consider health insurance in India for parents to cover the medical needs of your parents and loved ones.
Click HERE to buy the best health insurance in India for parents.
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 coverage extent of commercial general liability insurance
Running a business is seen as a highly lucrative earning opportunity. However, the efforts, resources, and time required to envision, set up, and grow a business are not discussed enough. While the process is challenging, the true extent of an entrepreneur's sacrifices and the venture's uncertainties go unnoticed.
Considering the volatile settings in which a business must find foundation and prosper, insurance services are a boon that entrepreneurs must benefit from to protect their vision from risks, third-party lawsuits, and compensation claims. One such perk is commercial general liability insurance that provides an enterprise of any size belonging to any industry with the combined benefits of a product and public liability insurance policy.
If you own a business or plan to run one in the future, here's all you should know about commercial general liability insurance.
Defining commercial general liability insurance.
An insurance offering for companies and businesses, a commercial general liability insurance policy is a comprehensive protection from financial losses due to legal claims of bodily injury or property damage arising from business operations. Applicable for accidents caused by the non-negligence of the proprietor, it helps in risk management and ultimately protects the reputation and finances of a business in the long run.
The unique offering is an inclusive product and public liability insurance policy, making it a dual-benefit financial coverage for manufacturers of physical and intangible products and protecting them against claims that may be raised by third-party stakeholders like suppliers, customers, etc.
Coverage extent.
Often considered a comprehensive business insurance cover despite specific exclusions, commercial general liability insurance covers the following risks –
1. Third-party damages and injuries:
Any unintentional accidents that result in bodily injuries or losses for third parties while on business premises are covered under the policy. Therefore, the business can raise a claim in case of any reimbursement of medical bills of the injured or the cost of replacing or repairing any damaged property of third parties. It also includes accidents that cannot be traced back as wilful mischiefs, like accidental fires.
2. Advertising lawsuits:
Amid the highly-competitive environment with unclear and relatively lax laws relating to advertising protocol, it is common for businesses to battle in court over intangible assets like ideas, campaigns, strategies, and patented copyrights or trademarks.
While such issues may arise without ill intent and a genuine lack of awareness, a lawsuit may result in slander, public discontent, or even loss of business due to a change in public sentiments. While the issue and compensation for the party at fault is a judicial matter, the legal expenses borne by the business owner can be reclaimed, as legal and settlement costs are covered under the policy.
3. Product quality discrepancies:
The effective use of a product is highly dependent on its quality, which makes it a significant factor to maintain on the manufacturer's checklist. In case of any issues with the final quality of the product marketed, the consumer is entitled to sue the business for the product quality issues, which may result in end-user harm. This is a serious allegation that can jeopardise the future earning capacity and perpetual continuity of the firm.
While manufacturers must ensure that such serious issues do not surface, commercial general liability insurance protects the business from lawsuits and reimbursement costs.
4. Privacy invasion:
To set your product apart, endorsements may do wonders for increasing its reach and enticing consumers to purchase. But you must always have the legal provisions to use such material directly. Without such an express agreement, the commercial general liability policy can help settle with the aggrieved party outside the court and reimburse you for the compensation.
The above extent of coverage offers a general guideline of the inclusions of the two-in-one product and public liability insurance policy. We encourage business owners to do due diligence before purchasing business insurance to ensure their organisation enjoys comprehensive protection!
Click HERE to buy the best public liability 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.

Is single insurance for multiple cars an excellent investment
Many people are passionate about cars and love to add them to their collections with multiple vehicles of different classes and brands. Are you someone who owns multiple cars? If yes, your primary concern would be maintaining the insurance documentation of individual vehicles
What's the solution? If you own more than one car, you can have a single insurance policy covering all your vehicles. Yes, you read it right. The IRDAI offers a provision of paying a single premium for your multiple cars under a multi-vehicle policy or motor floater policy.
Let's understand in depth about this motor floater policy.
Merits of a multi-vehicle policy:
● It can cover up to 05 personal cars registered under a single owner.
● Helps in reducing the hassle of paying and managing multiple premiums and remembering the renewal dates of different policies for different cars.
● Customisation flexibility is offered to the insured to add or remove the cars covered in the policy.
● When you insure more than one car with the same insurance policy, you can be sure that you will save money and get better deals. The likelihood of long-term benefits is assured.
● A hassle-free process will result in less paperwork, and both the insurance provider and car owners may find the process convenient. The management and renewal of the insurance will be simpler for car owners since there will eventually be a single due date for all cars.
● The premium will be calculated and charged based on the usage of the cars, which is a crucial advantage for the insured.
Limitations you must be aware of.
There are a few restrictions you should be aware of before choosing to purchase multi-car insurance.
● Policy premium burden:
With a single renewal date, payments would typically be in substantial sums. Compared to allocating funds for various programs in an equitable manner, this significant money may put a strain on your finances.
● High-risk driving:
If the owner-driver is considered under the high-risk category, the policy's total cost may go up. Thus, it is important to have disciplined driving behaviour and a good record to avoid paying hefty premiums.
● Failure to renew on time:
Failing to renew your car insurance before expiry could cause all the cars covered by the policy to expire. This will happen because there will be a single renewal date for all the cars. If you forget to renew the policy on time, all the cars could become uninsured. Furthermore, you risk losing the NCB on all the cars if you go past the 90-day grace period following the renewal date.
Even though there are a few significant restrictions, insurance companies are working on solutions that could eliminate them, such as simple payment choices and extended grace periods so that you can have best car insurance in India.
*Imp:
The multi-car or motor floater policy is in its initial stage of formulation in India. It has some clauses and is applicable for selective services. Make sure to check further details with your insurance company for a better understanding and get the best out of your car insurance plan.
Click HERE to buy the best car 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.

Should you purchase multiple personal accident policies
A personal accident policy covers the loss or damage to the policyholder due to accidents. Considering that unforeseen accidents may happen at any time, one must always be prudent and purchase the best personal accident policy in India for complete coverage. However, does purchasing multiple personal accident policies result in payouts from various insurers? Read on if you need clarification about whether you can claim insurance from multiple insurers for a single accident.
Types of personal accident policy.
An insurance company provides several personal accident plans with differing inclusions, conditions, etc. Here are some of the best plans you can consider opting for, including –
● Individual personal accident insurance plan:
This personal accident plan covers death, and short and long-term disability for individuals due to an accident.
● Group personal accident insurance plan:
This personal accident plan offers primary coverage for more than one person. Usually, employers provide this policy for their employees as an additional perk.
What does a personal accident policy cover?
Under the personal accident policy, you can get coverage for the following damage or loss, including –
● Permanent disability cover: Under this cover, the insurer will pay a pre-agreed amount to the nominee if an accident leads to permanent disability.
● Accidental death cover: In this cover, the nominee will receive the sum assured of the policy if the policyholder dies.
● Temporary total disability cover: In this cover, the policyholder will get the pre-agreed amount if the accident makes them bedridden for some time.
● Permanent partial disability cover: In this cover, the policyholder will receive 100% of the benefit of the sum assured if the accident inflicts permanent partial damage to them.
Standard exclusions from a personal accident policy.
Let’s take a look at the list of exclusions under the personal accident insurance policy:
● Pre-existing disability or injuries
● Intentional suicide attempt
● Childbirth or pregnancy
● Accidents caused due to intoxication
● Non-allopathic treatments
● Taking part in dangerous sports
● Committing a criminal act
● Suffering from a mental disorder
Can you claim from multiple personal accident policies?
It is perfectly legal to purchase and hold multiple personal accident policies. The policyholder can claim from all the individual accident policies for an accident if the damage falls under the section inclusion.
Having multiple personal accident policies is beneficial as they provide extra layers, and the family of policyholders receives more money from different insurers during an emergency. However, if you claim insurance from multiple personal accident policies in a year, the premium will be increased when you renew the policy.
How to claim personal accident insurance from multiple insurers?
Follow these steps to claim insurance from more than one personal accident policy.
● You can make cashless claims from the hospital that your insurance company is in contact with.
● You can also use reimbursement claims when not treated at in-network hospitals. In this method, you pay the hospital bill first, and the insurer reimburses you. You need a few documents to make a reimbursement claim, such as bill receipts, claim forms, discharge summaries, prescriptions, and claim settlement summaries (if you claim from multiple insurers).
While choosing a personal accident plan, check its features, benefits, inclusions, and exclusions. The best personal accident policy in India covers various damages and losses and provides additional perks. Also, when claiming for a personal accident plan, keep a copy of your documents handy for a fast claim process.
Click HERE to purchase 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.

Checklist to change your 2 wheeler insurance online
Having two-wheeler insurance helps you during unprecedented financial situations such as accidents, natural disasters, theft etc. A comprehensive plan covers the damages and repairs you might require in the future for your vehicle.
Over time, with new insurers coming to market and new insurance plans taking centre stage, we find ourselves wanting to make a switch. You might be tempted to change your insurance provider or simply want an upgrade.
This article will help you better understand things you need to look out for before changing your two-wheeler insurance.
1. Sometimes, due to a lack of attentiveness from your previous insurance provider, you might want to make a switch. You can look up the renewal process of the 2 wheeler insurance online. Insurance companies provide a hassle-free renewal process.
2. Instead of switching your insurance provider, you can simply upgrade your plans. At the time of renewal, ask your insurance provider to brief you on all the best and updated insurance plans. You can also check online and find the kind of upgrades the company provides.
3. If you need to switch services during your current policy, you can conveniently do that. First, you will have to close your existing policy. Most insurers will refund you with a few deductions. The switching process is generally hassle-free. You are required to submit documents to cancel your old one once the new insurance provider has given you cover.
4. If cost is the primary reason for you to switch, you should first compare the 2 wheeler insurance available online. Sometimes an insurance company may provide you with more cover for a few extra hundred bucks. If that’s the case, you might want to stick with your existing provider.
5. Look into factors like customer service, efficiency, claim settlement ratios etc. This gives you a better understanding of the company and their market ratings. This plays a massive role in choosing the best insurance provider for you.
6. The following documents are to be kept handy in case of a change of insurance provider:
• Identity Proof
• Address Proof
• Registration certificate
• The previous insurance policy document
• Passport size photo
7. While making the switch, don’t forget to look into the add-ons that the new policy provides. Add-ons such as roadside assistance, engine cover, etc., might increase the premium of your insurance, but it also assures prompt and easy service.
This is a comprehensive list of things you should keep in mind while changing your insurance plans. Remember that the insurance providers are there to help. Asking the right questions and understanding all the services your insurance provider is willing to provide can go a long way. With easy access to technology, you can go onto the internet, analyse various options, and choose the 2 wheeler insurance online that suits you the best.
Another thing to keep in mind is that you need to make these decisions before renewing your policy. Since riding a vehicle with no insurance is a punishable offence. Hence researching beforehand should be your priority.
Click HERE to take a look at 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.

The great reform: These customer-centric trends are the new hope for the insurance industry
Since Covid-19 hit the world, nothing has been the same. From individuals to industries, every aspect has undergone a massive transformation—changes that are leading to a disruption beyond the bounds of the economy and the global market. We saw extreme survival, lockdowns, economies tanking, corporates trying to run businesses with work-from-home options, and much more.
During lockdowns, businesses, start-up founders, analysts, and corporate professionals across the industries began to figure out the patterns of changing consumer behaviour and the solutions to address their demands.
We, too, believe that the insurance industry is experiencing profound change. The ecosystem is evolving rapidly, and insurers can no longer lean on old standard practices. With people being worried for themselves and their loved ones, investing in insurance meant investing in a healthy life. This has responded to the change in the insurance sector and marked the start of a revolution!
The following are the few emerging trends I believe will change the insurance industry landscape.
Insurance is not about products anymore.
It is almost weird to think about how the insurance sector is not "product-led" anymore. Safeguarding one's assets, health, life, homes, vehicles, and other aspects highlights the severity of having insurance. For example, you can consider health insurance a consumer product, but it is no longer about the "product" game.
The insurance sector is gaining recognition as a "service-oriented" industry. Constituting the perfect experience, right from being the potential customers' first choice to educating them about how their needs are going to be met, helping them throughout the process and beyond, addressing their grievances and providing solutions, and easing up the entire redemption process in the times of need is how you foster and strengthen your customer relationships. With so much focus on instant gratification, insurance companies need to curate an indispensable "service" – something that is hard to replace. We at Magma HDI endeavour to bring these practices into practicality.
Taking efforts to push digital transformation initiatives forward.
The Indian insurance market is encountering a massive technological shift. Digital-first business models are replacing traditional insurance practices. Gone are the days when insurance agencies relied on the older patterns of customer management, applying outdated systems and business thinking. The rise of state-of-the-art technologies has given new hope to age-old insurance practices, which we are the "modern legacy" powered by digital technologies. Digital-first insurers can offer relentless support, ensure transparency, and entrust their customers with realistic and practical solutions.
With these digital initiatives in place, the insurance sector can defy all stereotypes of being considered "conservative". This shift will push insurance companies to collaborate with different technologies developed by the IT sector and keep improving their services to ensure a seamless customer experience. Digitisation is the new cool. And the insurance sector is happily jumping on the bandwagon.
Personalisation is key.
Insurance companies need to admit that the habits and mindsets of consumers have changed with time. Personalisation is the new way of interaction that insurance companies need to adapt to volunteer the special interest of their customers. Tweaking your benefits and providing opportunities in a way that speaks "your" language, something unique to "you", is how we have been challenging the existing conventional work approach.
Data is the greatest resource in personalisation. This data includes the basic information, location, behavioural data of customers, etc. Making the right use of the collected data, the customers expect a personalised experience that can improve the relationship the company has built with them.
Delivering personalised services helps you strengthen your equations with your customers and prove that you, as an organisation, value their loyalty and contribution to the company's growth. It assures them that the company is standing strong with them. The other benefits of personalisation include an increase in sales, a boost in company’s reputation and the number of converts, customer retention, insights into consumer behaviour, and much more!
The transition of the insurance industry from traditional to digital, is making headlines and grabbing everyone's attention. The innovative-first approach and efficient technological solutions are leading the way to more promising insurance transactions and trusted customer relations. Your products might be one in a million but curating a perfect customer experience takes you to the top.
The industry is at a pivotal moment in developing forward-thinking insurance services, as the market is grappling with change at an exceptional speed. These are exciting times to take a step ahead and build deeper relationships with customers throughout the customer journey.

Running your own business? Here are some insurances you should consider purchasing
Being an entrepreneur brings a lot of risk to the table. Insuring your business against liabilities and risks is a wise consideration. Business insurance can help a company protect itself from unforeseen circumstances, such as natural disasters, theft, unintentional injuries, etc. It is of utmost importance for a business owner to be able to assess the risks involved with their line of work. They should consider the needs of their business so that one mishap does not wipe out their entire life's work.
Irrespective of whether you are just setting up or are an established player in your niche, specific policies like public liability insurance in India are essential to cover your business from lawsuits and compensations.
Here are some kinds of insurance that can help cushion the liabilities your business may face in uncertain conditions.
1. Property insurance policies:
For your small start-up business, you spend most of its capital on inventory. In the case of damage to the property, it is tough for businesses to replace or repair damaged property. Some companies never recover from this. So, it is paramount to insure the physical location, tools, and other industry-specific equipment against damages.
However, most property insurance policies don't protect businesses from natural disasters like cyclones and floods, so it's best to talk to your insurance company about all the policy clauses beforehand.
2. General liability insurance:
This insurance helps you bear the costs of legal fees and other liability claims arising from third-party injuries due to your product or business. The entire cost of any legal proceedings that arise from a lawsuit against the company has to be paid by the owner. Whether working in an office setting or remotely, you should be insured against this possibility as it can significantly impact your finances. Research public liability insurance in India before choosing the best policy for your needs.
3. Worker's compensation insurance:
Worker's compensation insurance is mandatory in most cases. This policy is necessary in case of employee injury, death, or illness. It also covers the legal fees if the deceased's family decides to sue the business. Slip and fall injuries may also happen within your premises, and you might have to incur considerable hits to your business by paying off medical costs.
4. Professional liability insurance:
Professional liability comes under the same realm as general liability insurance but has a different use. This insurance is solely for errors or lack of proper service and is also called errors and omissions insurance. It covers the financial repercussions of negligence on your part in rendering any services. However, this policy is usually industry-specific, so it is wise to take expert advice from your insurance company for your specific profession.
5. Business interruption insurance:
In the event of any natural disaster or other unforeseen situations like a riot or a strike in the work area, a business cannot continue uninterrupted. This results in a loss of income due to the stoppage of the ordinary course of a business. In this case, business interruption insurance comes in handy, as it compensates the company for its lack of income in the time it takes for them to get back on its feet again.
6. Commercial vehicle insurance:
Any company that uses vehicles for commercial purposes should insure their vehicles against any damage caused by unforeseen accidents, fire, or theft. This is mandatory in India, but you should research your options to get more comprehensive coverage.
Buying insurance, especially public liability insurance in India, is an essential step in any business owner's journey. Research all your options thoroughly and make an informed decision. Take account of all the risks and accordingly prepare a strategy to mitigate them without sustaining any loss. The growth and security of your business rely on your alertness and preparedness to avoid falling prey to financial loss due to unexpected mishaps.
Click HERE to know more about public liability 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.

Ways to detect natural gas leaks at home
Natural gas is commonly used at homes for cooking and heating purposes. It is a fantastic fuel and is highly convenient for domestic purposes. However, since the gas is combustible, a leakage in large amounts can cause suffocation and death.
As natural gas is colourless and odour-free, it is always difficult to find any gas leak signs in your home. Also, remember that it might not have physical indications or smells. So, how can you identify natural gas leaks? Let's look at everything you need to know.
Detectors for Natural Gas leaks.
1. Propane & Natural Gas Detector:
The goal of these sensors is to notify about grills or stoves being switched on. Many homes use sensors to detect whether the youngsters in the family are tampering with the grill or stove. These sensors come in both connected and wireless forms. If you have a hardwired sensor, you can use a wireless transmitter to connect to it.
2. Carbon Monoxide Detector:
When these detectors sense a particular level of carbon monoxide in the air, they go off and sound an alert. It has a combination of different sensors that help it function, such as
• A biomimetic sensor changes colour as it absorbs carbon monoxide, and this colour shift activates the alert.
• The silica chip's circuitry system detects carbon monoxide, which reduces the electrical resistance and causes the alarm to sound.
• If the electrodes in a chemical solution present in the detector come into touch with carbon monoxide, they detect variations in electrical currents, triggering the alarm.
Traditional ways to detect a gas leak.
1. The smell of a rotten egg or sulfur:
Natural gas and propane have unique odours for a particular reason. Gas processing companies employ mercaptan as a safety additive because it gives the colourless and odourless gas a distinct odour. Most people associate this odour with rotting eggs or sulfur. So if you smell anything of such nature, investigate for a gas leak.
2. Dead vegetation:
Although you can't see the gas pipelines beneath the soil, a visible patch of dead vegetation can signify a leaky gas pipeline underneath.
3. Hissing sound:
You may hear a mild hissing sound coming from your gas line if there is a leak. This is a solid sign to get the line diagnosed immediately.
4. The bubble test:
Combine a teaspoon of detergent with a cup of water. Apply this solution to the area you believe is leaking and watch for bubbles to form. This signifies that gas is leaking from that location.
The possibility of a gas leak can be frightening, but understanding how to recognise danger and what precautions to take can help you relax. When it comes to gas leak detection, using the methods outlined above can assist you in determining whether your family and house are in danger.
One more step in maximising safety is to get insurance for you, the loved ones and your valuable assets. Browse through different plans of general insurance companies in India and analyse your requirements. Buy the plan that meets all your needs and safeguard your home against these risks.
Click HERE to explore insurance plans from one of the best general insurance companies 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.

Signs of hairline fractures and tips to heal them effectively
Bone injuries are severe and painful. They make your life miserable, and everyday chores become a huge task. The post-fracture recovery takes a long time to heal the bone. It requires the patient to undergo complex procedures to ensure that the bone heals appropriately and that normal body functions are not obstructed. Although your body has exceptional capabilities to heal itself, you must still take extra care while doing daily tasks.
We all have fallen at least a couple of times in our lives. We bruise, get cut, bleed, sprain, pull a muscle, or break a bone. There is always a risk of a hairline fracture. You must be aware of the term and how risky it can be. If you are somebody who is a stranger to the concept of a hairline fracture, do not fret. This blog discusses what it is, the signs of hairline fractures, and tips for healing them effectively. Let’s begin!
1. What is a hairline fracture:
Hairline fractures are also known as stress fractures. These fractures occur when small cracks appear and grow on the bones of your foot, lower leg, and hands. Hairline fractures are often observed in the bodies of people with a lot of footwork, like jumping, running, hardcore workouts, and other athletic activities in their routine. Moreover, in other cases, hairline fractures result from accidents and collisions against hard surfaces, during which the bones in your body bear an impact and get fractured.
2. Causes of hairline fractures:
As discussed above, excessive and heavy footwork involves activities that put a lot of continuous strain on your foot and ankles. Bones are very rigid parts of our body and can bend only to an extent to maintain the smooth functioning of the ball and socket joints. Persistent pressure on the bones also affects their elasticity and can develop minor stress or hairline fractures.
3. People at risk:
Apart from those who play challenging and heavy-impact sports and the ones who work out a lot might be affected by these hairline fractures with no warning. Genetic and biological factors like gender can influence a high risk of hairline fractures. These fractures are usually common among females.
Physical abnormalities (arched foot, etc.) or using the wrong footwear could also put your bones under stress, even while doing menial chores. Osteoporosis, or weak bones, a history of fractures, and dietary insufficiency (lack of nutrient-rich food items that help strengthen the bones) are other factors that can cause hairline fractures.
4. Signs and tips to heal:
Shooting or sharp pain, inhibition of movement, swelling, inflammation, tenderness, and bruised patches indicate hairline fractures in your bones. You can consult a doctor and get an MRI or X-ray done to confirm their diagnosis in case you have a hairline fracture.
The first and foremost tip for healing the fracture is to rest completely and avoid doing any heavy tasks. Secondly, in the first one or two days, you need to ice the area using ice packs frequently. This will help in reducing the swelling. With the decrease in swelling and lower pain, you can slowly resume your daily routine with extreme caution. Consult a doctor who might recommend crutches, protective shoes (footwear), or a splint to help avoid putting the damaged part under stress and provide maximum support.
That’s all for the signs of hairline fractures and tips to heal them effectively. You must ensure to stay in good health as much as possible. Take the best precautions and remain vigilant. Another wise decision would be to purchase a personal accident insurance policy to avoid monetary stress during mishaps and protect yourself and your family. Explore your options and buy the best personal accident insurance policy that provides optimum protection.
Click HERE to learn more about 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.

Personal accident insurance plans: Does your insurance provide full protection against contingencies
The recent Economic Survey for the year 2022-23 presented by the Government of India indicates a positive growth outlook for the Indian insurance sector. With the general insurance policy penetration rates at par with the global level, one may assume that all insurance policies are equally preferred in the country.
However, upon careful inspection, it is easy to realise that personal accident insurance plans do not enjoy such high penetration as popular insurance like health insurance, which is considered necessary. While many may think the formerly mentioned plan is sufficient to cover every contingency, the coverage against disabilities and personal accidents is often left out of the scope of consideration.
Defining personal accident insurance plans.
Personal accident insurance plans are a type of insurance that provides coverage in the event of an accidental injury or death. It offers financial support to help cover medical expenses, lost income, and other expenses that may arise from an unforeseen injury or death. Apart from monetary compensation, it also offers peace of mind to policyholders without worrying about the financial consequences of an unexpected accident.
The need for personal accident insurance plans with other insurance.
Buying health insurance only provides limited coverage for the illnesses and conditions included in the policy, leading many to believe it is enough to provide comprehensive protection against adverse events affecting one's well-being. However, this assumption is flawed, as can be understood from the definition above. Hospitalisation due to the policyholder's illness is a prerequisite for raising a successful claim. In case of only accidents or injuries, the policyholder is left unprotected, making purchasing personal accident insurance plans essential.
1. Coverage extent:
Health insurance only provides compensation in case of the policyholder's death or hospitalisation due to specified illnesses. It offers no specific coverage or payouts for accidental death or injury. Personal accident insurance plans supplement such cases by covering accidents caused during travel, work, commute, etc.
2. Financial compensation:
One of the benefits of personal accident insurance is that it provides financial support to help cover medical expenses and loss of productive capacity due to an accidental injury or death. This way, hospitalised policyholders who cannot return to work for a stipulated period are offered a daily cash allowance and additional benefits for their dependents, like children's education and transportation allowance.
3. A broad scope of disability coverage:
Most personal accident insurance plans offer coverage for accidental death, permanent partial or total disability, or temporary total disability. This provides incidental disability or death coverage regardless of the cause, unlike health insurance. Therefore, personal accident insurance plans offer peace of mind to policyholders about the financial consequences of an unexpected accident.
4. Flexibility of coverage:
Personal accident insurance plans are generally more affordable than other insurance types. They are also flexible, allowing policyholders to choose the ideal coverage for their needs and budget, making it accessible to a broad range of potential policy purchasers.
Standard exclusions to keep in mind.
Like every insurance product, personal accident insurance plans exclude certain factors such as natural death, high-risk work environments, childbirth or pregnancy, suicide, and self-inflicted injuries. Accidents caused while participating in extreme sports, under the influence of intoxicants, or while engaging in criminal activities are other reasons that most insurers do not provide coverage.
Despite their exclusions, personal accident insurance plans are excellent supplements to health insurance and provide relatively comprehensive protection against the financial impact of accidental injury or death. We urge you to consider purchasing personal accident insurance plans to protect against unforeseen accidents.
Click HERE to browse through different personal accident insurance plans.
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.

Lost your car keys? Here’s what you should do
Losing your traditional car keys is a minor concern as you can quickly get a duplicate key made by the car service centre. However, as vehicles have become more technologically sophisticated, getting new keys can be more technical and expensive than ever.
It can take several steps and leave a dent in your wallet to replace a lost or stolen key, depending on the type and model of the car you drive. Fortunately, when comparing new car insurance rates, you can purchase an add-on coverage to protect your car keys.
While the add-on cover can limit your expense, here's what you should do if you lose your car keys.
1. Verify carefully:
Before deciding, conduct a comprehensive search for the keys everywhere. Retrace your steps and cover all the spaces you may have placed your keys.
2. Inform your insurance provider:
When you lose your key, the first thing is to write to the insurance provider and tell them what happened. With a misplaced key, there is a considerable risk of vehicle theft. Additionally, they may require the submission of an FIR filed with the nearest police station.
3. Reach out to a franchised dealer:
Contacting a manufacturer's dealer for your car is recommended if you need an OEM replacement key. It frequently costs money and takes time to obtain. If your original key offered features like a hands-free boot release, you will receive a new key identical to it in addition to programming for those features.
4. Decide on your car's essential type:
If you lose the existing key and have no spare, consider switching your key type. Traditional transponder, FOB, and intelligent keys are options to choose from.
How to recover different kinds of keys.
1. Traditional key:
You must put a conventional car key into the ignition cylinder to start your vehicle mechanically. If you misplace your car keys, you can phone an auto locksmith, who can immediately make you a new key. You might need a new ignition lock cylinder and key from the dealer or another repair facility.
2. Transponder key:
These keys are more advanced and detected by the Electronic Control Unit that starts the engine. A skilled electronic locksmith can help as they have spare keys equipped with the same tuning chips as your car. But they bill you more than they would have for a regular car key.
3. Smart key:
Modern vehicles almost universally include push-button start and keyless entry. However, we advise keeping a spare in your glove compartment for emergencies. If you lose your keyless entry FOB, you can buy a spare key or have your car towed to the closest brand dealership, where they will program a new FOB to pair with your vehicle. Smart keys are the most expensive set of keys among all types, and you should only get them from your authorised car dealer.
Losing your car key is not a significant concern as there are several ways to recover a new one or attain a spare key. Also, consider purchasing key protection coverage while evaluating new car insurance rates for comprehensive coverage of your car and its key. It's always a safe option to watch out for your car keys and keep them safely in your pocket and avoid leaving them unattended.
Click HERE to buy comprehensive 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.

Should you opt zero depreciation add-on for your bike that can increase your settlement amount
When looking to purchase bike insurance coverage, there are a variety of options available. A comprehensive policy with zero depreciation add-on coverage is among the most used motor insurance policies.
This post will discuss the advantages of purchasing the zero depreciation add-on, how it improves coverage, and most importantly, whether the higher price is justified. To learn more, keep reading.
What is zero depreciation on bike insurance?
As a policyholder, you must be informed of the numerous crucial provisions of bike insurance. The depreciation component is one of them. Depreciation is nothing more than a loss in value that occurs over time. The bike and its components experience normal wear and tear over time. The result is depreciation.
When you file a bike insurance claim, the depreciation factor comes into play, and your claim amount is reduced. This is why you want to think about acquiring zero-depreciation two-wheeler insurance. You can purchase this add-on coverage along with the complete bike insurance plan. No matter how old or the bike has depreciated, the insurance company will pay out the entire claim amount when you have a zero depreciation cover.
The benefits of bike insurance with zero depreciation.
● More compensation: With a zero depreciation add-on, the cost of repairing your bike is covered without accounting for the bike's diminished worth. Consequently, you are reimbursed for the entire coverage.
● Saving money: You pay a higher cost with a zero depreciation add-on. But it's also true that your insurer will pay you more when you file a claim. Additionally, if you get insurance from an insurer that permits limitless zero depreciation, you can save money each time you file a claim for your motorcycle.
● Abundant coverage: Every bike owner can benefit from a zero depreciation add-on cover, valid for inexperienced and seasoned drivers. This acts as additional insurance to handle any financial problems arising from any catastrophe with your bike.
● Restrictions on out-of-pocket charges: With this add-on coverage, you can limit any additional costs that an insured person would otherwise be required to pay as depreciation charges. The depreciation value will not be considered when settling your claim, though, if you already have this add-on coverage.
● Reduces mental stress: The zero depreciation add-on cover provides a second layer of protection, which gives you more peace of mind by reducing your financial stress to a large extent.
When is a zero depreciation add-on cover required?
1. If you've only just started riding:
Compared to seasoned bike riders, new riders are more likely to make mistakes that result in collisions and bumps. Therefore, a zero depreciation cover would benefit you if you have just started riding two wheels.
2. If you purchased a new bike:
Since new bikes are so expensive, you should cover them as much as possible with protection. You may aid yourself at this point and preserve your bike in excellent shape for longer by getting a decent zero depreciation cover.
3. If you drive a pricey automobile:
If you possess an expensive bike, you should purchase the zero depreciation rider. A costly motorcycle requires a lot of money for repair and maintenance. Thus, you should be reimbursed for the total cost of each repair each time.
4. If your neighbourhood is dangerous:
Some neighbourhoods are crowded or prone to accidents. Acquiring zero depreciation insurance will benefit you if you live in such a location.
Reminders regarding the zero depreciation add-on cover.
Keeping the zero depreciation add-on cover in mind will help you recall the following:
● It is offered for new bikes up to two years old
● This addition does not waive the required deductibles
● Most insurance companies permit claims with no depreciation addition twice per year
A comprehensive bike insurance policy provides additional financial security if the bike sustains damage. Furthermore, a zero depreciation add-on to comprehensive insurance strengthens and adds more security when you file a claim. The most incredible thing about this addition is that by avoiding depreciation reductions, it can raise the amount of your claim. If the zero depreciation add-on is offered when you renew the bike insurance plan, you should consider opting in.
Click HERE to buy the best bike insurance plan 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.

Read the insurance fine print if your bike has a high engine capacity
Over the years, there has been a significant and gradual increase in the demand for luxury goods globally. In the automotive industry, superbikes are an excellent example of the shift from only necessities to splurging on comforts and luxuries. Once considered only for racing enthusiasts, high-capacity motorcycles with an engine capacity of over 150cc are now being used for recreational purposes and commuting.
However, the recent cases of rejected claims by motor insurance companies for accidents involving superbikes have raised concerns over the technicalities of insurance contracts and their effectiveness in shouldering financial losses.
Read on to find out about one such case, the aftermath, and some tips to ensure that your policy covers all such damages if your bike has a high engine capacity.
Case study:
This claim settlement case involved a bike with an engine capacity of over 340cc, which faced an accident, resulting in the rider's demise. The motor insurance company denied the claim since the bike insurance policy included a clause that stated that it should not cover personal accident claims involving bikes or scooters with over 150cc engines.
While the claim was initially denied, the motor insurance company later released the sum to the insured's family and clarified the issue. The insured was covered under an outdated policy that they had since updated to include personal accident cover.
This brings us to our question, is a high-engine capacity bike not covered under bike insurance?
While the case in question may make you believe that superbikes are not included under the provisions of bike insurance policies, it is not the case! The legal requirements of an insurance contract are constantly tweaked to provide maximum benefit to the insured while ensuring that the motor insurance company is aware of all the facts regarding its client to ensure that no insurance fraud occurs. While the old insurance clause excludes personal accident covers, potential policy buyers should read the fine print of their insurance documents to ensure that they are provided with the most recent version of the insurance policy that maximises inclusions.
General engine capacity and usage inclusions as per the old rule:
The old rule prevents the insured from lodging personal accident claims for motorcycles with an engine capacity greater than 150cc. Generally, 2-wheelers with an engine capacity of less than 150cc are used for commuting purposes only. They are, therefore, less risky and more profitable for the insurer since accidents are relatively fewer when compared to bikes with high engine capacity. High cc bikes are expensive, have lower mileage, higher premiums, and have less fuel efficiency.
Tips to ensure that all relevant damages are included in your policy.
As a prudent mechanism, insurance protects the insured in most cases as long as the circumstances are not stated as exclusions from the policy.
1. Read the fine print:It may seem tedious to go through the minute details of your insurance, but it is the safest way to ensure that your motor insurance company is providing you with the latest version of the policy with the most inclusions.
2. Consider purchasing an add-on: Despite close inspection, if specific clauses restrict the scope of potential claims, it is advisable to buy add-on facilities such as zero depreciation cover to keep your expensive possession safe.
3. Compare your alternatives: Before committing to an insurance provider, it is highly advised to compare the existing options and choose a plan with the most inclusions and justified premium with a high claim settlement rate.
4. Renew your policy on time: Delayed renewals and outdated coverage plans are significant issues that potential policy buyers must avoid.
Bikes with higher cubic capacity deliver a powerful performance, making it a worthwhile investment for motorcycle and speed enthusiasts to get their adrenaline rush. Since their cost and insurance premium is more significant than lower cc engine bikes, it is necessary to check the specifications your motor insurance company provides thoroughly. Read all the terms and conditions before making a final decision.
Click HERE to buy insurance from the best motor insurance company.
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.

Is it compulsory to purchase public liability insurance
Public liability insurance shields policyholders from lawsuits brought by third parties for their injuries, damaged property, or other damages due to the insured's negligence. Many people, particularly owners of small businesses, are still determining whether getting public liability insurance is required. We'll look into the answer to that question in this blog post.
General liability insurance may, however, be mandated by law as part of the licensing or registration requirements for specific businesses or professions. Let's dive deeper and understand why purchasing public liability insurance would be better for you.
Reason 1:
It is strongly advised that you consider getting public liability insurance even if your profession or industry does not mandate it. This is because accidents can occur at any time and can be highly expensive to handle. For instance, you can be responsible for paying a customer's medical bills, lost earnings, and other damages if they slip and fall on your property. You would have to cover these expenses out of your pocket if you didn't have public liability insurance, which might be extremely expensive.
Reason 2:
Public liability insurance helps shield your and your brand's reputation. If a client or a public member is hurt or loses something due to your company's negligence, it could hurt your reputation and generate bad press. By having public liability insurance, you can show your clients that you care about their security and well-being and that you have the resources necessary to cope with any mishaps that might happen.
What should be considered while purchasing public liability insurance?
1. The amount of coverage you require should be carefully considered before buying public liability insurance. The level of risk involved and the kind and size of your organisation will determine how much coverage is necessary. For instance, a tiny home-based firm would need essential protection. In contrast, a larger company with many employees and risky operations might need higher security.
2. To make sure you know what is and isn't covered, it is also crucial to carefully read the terms and conditions of your public liability insurance policy. Before acquiring insurance, it's critical to be informed of any exclusions or coverage restrictions that might apply. Although you will depend on the insurance provider to cover any potential claims, ensuring they have a solid reputation and sound financial position is also crucial. Therefore, when buying public liability insurance, it's vital to carefully examine the degree of protection you require, review the policy's terms and conditions, and select a reputed and financially sound insurance provider.
3. Cost should be considered when selecting public liability insurance. The price of public liability insurance will change depending on the level of protection needed, the size and type of your business, and the insurance provider you select. Even if cost is a crucial element, it shouldn't be the only factor you consider. In addition to the protection, comparing the insurance cost to the possible costs of a claim or litigation is crucial.
In conclusion, even though many businesses do not think about acquiring public liability insurance, it is strongly advised that you consider doing so. Accidents can occur at any time, and if you don't have public liability insurance, you may be responsible for significant losses and costs.
Also, by acquiring public liability insurance India, you can show your clients that you care about their security and well-being and that you have the necessary resources to cope with any mishaps that may happen. Therefore, explore your options and purchase the best public liability insurance, which would cater to your organisation's and your client's needs in the best way and add the layer of security as required.
Click HERE to learn more about the benefits of purchasing public liability 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.

Let's decode the BH series number plates in India
We have seen cars with various types of number plates. Usually, the number plates of vehicles include the vehicle's registration and the state in which it was registered. There are VIP number plates too, which have digits in a unique combination and cost much more than the regular number plates.
In this blog, let's decode the BH series number plates that have been quite talked about recently in India.
1. What are BH series number plates?
In layman's terms, a car with a BH series number plate will not have to get a new registration card upon moving to a new state. These BH or Bharat series number plates were brought into execution in 2021 by the central government of India. It allows the vehicle owners of non-cargo automobiles to shift from one state to another without worrying about getting a new registration for their cars, two-wheelers, etc.
2. How are these BH series number plates useful?
The BH or Bharat series number plates have proven helpful for people in the government sector who frequently have transferable jobs, for people in the defence sector, or the private sector who regularly have to change their location to cater to the demand of their work and the companies they are employed in. These number plates allow them to avoid the hassle of exhausting themselves by running to the RTOs (Regional Transport Office) and getting a new registration for their non-cargo four-wheelers and two-wheelers.
3. Some information about number plates is essential.
The regular registration of a non-cargo vehicle involves limiting it to one state. The initial two letters of the number plates denote the state the car was registered in. For example, GJ for Gujarat, BR for Bihar, TN for Tamil Nadu, DL for Delhi, MH for Maharashtra, etc. The two digits next to the letters depict the district of the state of registration.
However, for regular registration, when a vehicle is shifted from one state in India to another, it is permitted to use its old registration and number plate for up to twelve months. After this period of one year, the vehicle needs to get a new registration at the RTO of that particular location. This new registration includes a NOC certificate, additional charges, and taxes, which will be informed upon your visit and consultation. The vehicle owner will be fined according to the costs of the new state if they fail to complete this process in time.
However, the registration process for BH series number plates began on the 15th of September 2021, and is entirely digital. Therefore, all your application work has to be done online. This avoids the struggle of commuting to the assigned government office and getting in line for your work to be completed.
A BH or Bharat series number plate will look something like this:
XY BH $$$$ XX
XY is the registration year, BH is the Bharat series code, $$$$ is the registration number of the vehicle (ranges from 0000 to 9999), and XX are alphabets from AA to ZZ indicating the category of the car.
The introduction of BH or Bharat series number plates provides a huge relief against this tiring and lengthy process for the people who have to move their families and house setup from one state to another quite often.
We hope this blog gives you insights into something new that benefits you or clarifies the BH series number plates. And while we are on the subject of cars, you must already be aware of the necessity of getting car insurance to safeguard your car during unfortunate circumstances which might lead to hefty damages. To choose which car insurance to buy, one of the most critical factors is to look at the standard car insurance price in India and compare different plans and their coverages accordingly.
Click HERE to learn more about the average car insurance price in India and which insurance would be beneficial for you.
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.