GENERAL INSURANCE BLOG

All of us are preparing for the rainy season with our umbrellas and raincoats in place. While we are getting ready for the heavy rains, let us not forget to prepare our cars for the same.

Wondering why your car needs a bit extra care? It’s because the heavy rains have a terrible effect on your vehicle’s body. The dirt, mud, waterlogging, and massive jams are all bad for your car’s health. The water during the rain sticks to your vehicle resulting in rusting and electrical issues and has a corrosive effect on the car in the long run.

Many car owners miss out on essential tips necessary to take care of their vehicles during the monsoon weather.

Here are some useful tips for maintaining the good health of your car during the monsoon.

Tip 1:

• Make sure that you have perfectly running tyres on the road to have a safe ride.
• The right amount of tread is crucial for your care during monsoon.
• Shallow tread in tyres during monsoon can be risky and can lead to road accidents. Get your car insured from the best car insurance company in India for your safety.
• Also, keep a check on the tyres’ inflation regularly as low pressure will make it difficult for you to drive your car.

Tip 2:

• Get the brakes of your vehicle checked.
• Their proper functioning during monsoon is much more essential due to slippery roads and waterlogged streets.
• To maintain the excellent condition of brakes, make sure you regularly clean and, if required, replace the brake pads.
• Make sure they have required friction material, especially during the rainy season.

Tip 3:

• Maintenance of wipers and washers during monsoon season is of prime importance.
• Check and make sure that the wiper blades of your car do not leave behind any lines or smudges.
• Wiper blades tend to wear out fast. Get them checked before the monsoon season sets in.
• The rubber blades tend to crack during the summer season, making them ineffective during the monsoon season.
• Check the washer’s reservoir level and top it when the level is low or as and when required.

Tip 4:

• Water and electricity don’t go together, and we all are well aware of this fact.
• Patch up any exposed wiring beforehand to ensure that your car’s electrical is in good working condition.
• The life of your car’s battery too tends to decline if you are living in an area that receives heavy or regular rains. Get the battery replaced if required so that all the electrical components like headlights, wipers, etc., function properly.

Tip 5:

• Working headlights, tail-lamps, and indicators or turn signals are vital regardless of the weather.
• During monsoon, visibility is hampered, which requires your car’s lights to function well, making it easier for you to notice other road users.
• Test your vehicle’s lights by running them together. If you notice that they are getting dimmer or are inconsistent, get them replaced with new bulbs.
• Make sure they have required friction material, especially during the rainy season.
• Note that flickering lights are also an indication of a weak battery.

Tip 6:

• Do not allow water to sit on the body of your car, as this can harm its paint.
• You can use a thin layer of wax polish to prevent the body of your car. Alternatively, you can also use anti-corrosion sprays.

Make sure to keep these tips in mind to have a safe ride. Chances of accidents during monsoon are high due to slippery roads and reduced visibility. Get car insurance from the Best Car Insurance Company In India at the best possible price and enjoy your ride with your loved ones.

Two-wheeler insurance provides coverage to two-wheeler vehicles and bikes. It primarily covers any losses incurred from road accidents, natural disasters, or theft. The motor vehicle act of 1988 also makes it mandatory for owners of vehicles to have valid motor insurance. You are liable to pay hefty penalties otherwise.

But what type of covers should you choose? Are there any exclusions? What benefits do these covers entail? All of these are recurring questions that will annoy you before you settle for a plan of your choice. So, read along to have these queries answered.

What are the types of two-wheeler insurance policy?

The two variants of two-wheeler insurance policies available in the market are third party and comprehensive cover. But before you choose from these two, you need your insurance expectations fulfilled without having to exceed your budget.

• A third party cover is the cheapest option you can avail as of yet. This cover will save you from any legal liabilities if and when your vehicle is involved in accidents or has caused third-party damage. However, this doesn’t entail cover for damages incurred to your vehicle.
• A comprehensive cover has a broader spread of coverage which includes damages to your vehicle along with third-party damages. This, perhaps, is reliably the best option for those who have bought a new bike.

Inclusion and Exclusions

Third-Party Two-Wheeler Insurance

The 2018 Supreme Court order mandates that it is compulsory to have a 5-year Third-Party Policy for two-wheeler owners. The cover will save you from liabilities associated with any third-party claim as well as personal injuries. However, there is no coverage provided for damage incurring on the vehicle or theft of the same.

Inclusions of Third Party Two-Wheeler Insurance

• If your vehicle has caused bodily injuries to any third-party, the legal liabilities concerning the cost of treatment will be covered under this policy.
• Similarly, damages incurred to any third party property will be fulfilled, and you will be compensated for the victim’s claim.
• The compensation amount forwarded to the victim will be subjective and settled by the Motor Tribunal Court.

Exclusions of Third Party Two-Wheeler Insurance

• Damage incurred due to non-collision is not covered under third-party bike insurance, for which the expenses are to be carried by you.
• Damages on your vehicle won’t be covered as well
• Damages impacting your bike due to any natural disaster or theft won’t be covered under this policy.

Note: Be thorough while going through your policy documents.

Comprehensive Bike Insurance

This insurance policy provides comprehensive coverage to your own and third-party damages. Comprehensive bike insurance makes it more bearable for the owners to recover from an accident.

Inclusions of Comprehensive Bike Insurance

• Includes damages caused to your vehicle due to lightning, explosion, fire.
• Includes damages caused due to any natural disaster, including storms, floods, inundations, earthquakes.
• Includes recovery for vehicles stolen or damaged during strikes, or any malicious acts.
• Includes cover for accidents due to accidents by external elements like, for instance, terror activity.
• Includes cover for damages done during vehicle transit by waterway, lift, elevators, road and rail.

Exclusions of Comprehensive Bike Insurance

• Damages occurring when the policy has expired won’t be covered.
• Vehicular ageing causing vehicular wear and tear won’t be included.
• Damages due to any electrical or mechanical breakdown are not covered.
• If your vehicle is damaged when you are driving under the influence of any substance, no coverage is offered.
• Two-wheelers used for any commercial activity won’t benefit any coverage from this policy when damaged.

Verdict

Now since you are well aware of the nuances of these policy variants, all you need to do is check up on a Two-Wheeler Insurance Rate , read through the policy documents, compare insurance service products across insurers and choose a plan that fits your insurance requirement.

The festival of lights seems to be around the corner and preparations seem to be at the same pace as the previous years. Considering the fact at how the other festivals have been celebrated around the year with a different twist, courtesy of the Novel coronavirus, even the festival of lights will be something different.
Diwali 2020 is here, but so is the global pandemic. Thankfully, there are ways where we can have a vibe and energy of the festival, but with precautions at a limit. The good news is you can keep your excitements intact besides still enjoying them and cherishing the moments with your family with these few guidelines.

Healthcare Tips For Diwali 2020 To ensure proper safety and security and an environment where people can enjoy the festivities, the government has laid out essential guidelines to help the common public enjoy the festivities with ease. While the large gatherings and events are crucial, here are the other procedures to help you enjoy a safe and prosperous Diwali amidst the COVID-19 outbreak and social distancing norms.

● Refrain from using sanitisers before lighting Diya/candles

Refrain It is always advisable that you don’t use sanitiser before lighting up crackers. The nature of hand sanitiser makes them based on alcohol; therefore, it might risk exposure to burns when you decide to burn a cracker or light diyas due to its explosive nature.
However, to enjoy a safe Diwali while saving yourself from the virus, we recommend you wash your hands with soap and water before doing anything which involves lighting fire.

● Keep sanitiser away from fire

Just like you should keep crackers away from gas stoves, similar is the situation with sanitiser bottles.
While they are essential, it is crucial to understand the hazards that might come involved with the same. Their flammable nature might lead to an explosion when it comes in contact with a spark. Therefore, it is always advisable to keep your sanitiser bottles away from the scene where crackers are being lit.

● Keep water handy

Rather than carrying sanitisers with you everywhere, consider keeping water in close contact with the place where you are celebrating Diwali or merely lighting up the Diyas.
This way, you not only save yourself from the chances of spreading infection but also prevent injuries that can happen while you are opting for fireworks. Instead of carrying sanitisers everywhere, you can consider bringing water and paper soap instead. Since they are safer and you can easily wash your hands anywhere without the danger of catching fire.

● Maintain physical distancing

We understand the festivities need you to come closer to your family and spend quality time around. Remember, even Covid is around us, and we need to keep a note of the same.
We suggest you follow the government norms even while enjoying Diwali with your family and maintain the norms of social distancing. This way, you can not only enjoy the festivities at peace but also be sure that your close ones are safe. Besides trying to stay indoors, we also suggest that you prefer greeting your loved ones over video calls rather than meeting them. However, even if you meet them, do not opt for shaking hands and try welcoming the Indian way of namaste.

● Don't forget your mask

Mask is a must, while it is okay to celebrate all your festivities at your pace. Remember, there’s a reason that masks are suggested to you.
Do not forget to put on your mask even when you are stepping out or, better; you can also put it on while you are bursting crackers as this way, it will not only save you from the virus but also help you stay away from the pollution caused by the same.

● Follow all precautions

While it has been a familiar scene for people to be not following precautions and taking the pandemic lightly, we advise you to keep an account of all the precautions that are suggested and try to keep yourself and your family safe.

Owning a brand new car is a dream that most of us have had when growing up. But with age, the practicality of finance dawned upon us. While it’s not something we wish to go for, buying a used car is often ruled out of the possibilities. The most common conception surrounding buying used cars is that they are old and have lost the charm of the new car, especially the already used engine, the brand new parts and the quality assurance from the car company is lost. We tend to miss out on the most important thing, used cars are themselves a proof of how good they are. They have undergone the trial and tests of time.
Still unsure of what to look for when thinking about buying a used car?

● The budget-

Before every large expenditure, one needs to keep aside a budget. The budget helps in cutting the corners and ensures we do not go overboard when spending our valuable and hard earned money. Do your research and homework on how to buy a used car and read all the important things that come as a procedure for the same.

● Car insurance-

Before buying a used car, always make sure to check the Car Insurance that covers the car. The reason behind it is tricky yet very simple. The history of car insurance claims shows you a brief data of how much repair it went through in the span of its running. The more the claims, the more did the car go through repairing and availed maintenance.

Always remember you can buy the best insurance online, if your car ever needs one.

● Any required changes or modifications after checking the car’s condition

Make sure to take a test drive before you buy any car- whether new or used. Taking a test ride makes you sure about the working condition of the major parts of the car. Whilst taking the ride you can ensure whether the lights work fine or have problems when lighting up, whether the stereo system is faulty. Also make sure you do a proper inspection of the car before finalising it. Check out for how old the car is, usually the prices of the cars depreciate after the first three years and also keep an eye for the wear and tear, if any that might cost you a bomb if gone unnoticed.

● Make required documentation-

Before buying a car, the first thing to keep in mind is the paperwork. Important documents like road tax receipt, the certificate of registration, insurance, pollution certificate, to name some, needs to be done carefully. If the aforesaid documents are not maintained in proper order, you would land yourself in a gruelling battle when transferring ownership.
Apart from these important pointers, as a buyer you need to do a thorough homework on whom to approach and when to buy. There are two types of sellers- the dealer and the direct seller. It is often advisable to go for the latter which removes any chances of you keeping yourself out from any kind of theft and fraud. There are many times when the middlemen tamper with the odometers of the cars and sell you the false information, which the direct owner would not. The direct owner would provide you with detailed and honest information of the service history, the original RC and the usage of the car.
Not only are the sellers important for understanding and getting an idea how the car was used, they also help you remove any kind of communication gaps that usually occur in the presence of a middleman.

With extended lockdown being the most current happening around the country, we aren’t expecting things to get normal anytime soon. However, what stays intact even during this pandemic is the fact that we need to stay healthy by ourselves.
Being healthy is not only a part of fighting Covid-19 but is also necessary for us to come out with healthy habits and improved versions of ourselves. For once, where the entire country is searching for General Insurance Online Quote , staying healthy, both mentally & physically is the only free alternative for saving ourselves from the disease.
Yes, we understand that you are not used to staying at home for undefined periods, be it on your own or with family members or flatmates. Staying indoors for several weeks can be a daunting task.
However, what if we told you that even this could be too sportingly if you carry a lifestyle that is a mix of planning, understanding and a bit of healthy eating. Remember, this is certainly not the time to be gathering or moving out; now is the time to stay isolated for a better future.

Listed below are our five tips for stay healthy at home during the lockdown:

1. Maintain a proper schedule:

While this might seem to be something weird for you to be staying home and maintaining schedules, it is essential. We advise you to devise a plan and stick to a routine.
When you live by a schedule, it gives structure to your entire day and gives you an account of the whole day, besides a sense of stability and peace of mind.
However, your schedule should be an equal composition of relaxation, exercise, sleep and healthy eating. Remember, too much of anything is not good!

2. Revitalise your lungs:

Being in constant touch with the feel of moving breeze is also necessary. Fresh air not only cleanses you on the inside, but it also helps uplift your mood.
We suggest you move to the terrace pf your building or apartment or reach out the garden and lawns to have a quick walk as it is excellent and helpful for your natural well being.
While moving out of your house once in a while is a good idea, keep a note of the restrictions regarding the lockdowns and contaminated areas in your locality. `

3. Keep a healthy intake of foods:

Now that you are staying home, eating healthy foods and a well-balanced diet. Having a balanced diet keeps you fit on the inside as well. To ensure that you are living a healthy life on the inside as well, make sure that you are consuming over five meals a day.
Fruits and vegetables are your best bets at staying healthy without having to worry about coronavirus. We advise you to avoid unnecessary intake of snacks and add vitamins, minerals and zinc in your diet. Moreover, you should also keep an eye on your alcohol intake and find other ways to relieve stress.

4. Exercise inside your house:

Besides relaxing your mind, it is always advisable to exercise regularly inside your house. Take out some time, each day of the week to keep yourself in shape and be in shape.
You could consider doing a wide range of exercises like yoga, dancing, weight lifting or other similar forms of exercises.
Interestingly, these days, many websites and applications offer free virtual exercise classes. You could easily follow the lessons to keep yourself in great shape and keep your mental peace intact.

5. Have some ‘Me’ time:

Now seems to be the perfect time to get in touch with your ‘to-do list’. You could lookout for that one hobby that you have shelved out for long and work around the same. You could also try your hands on gardening or hone your skills.
Besides that, enhancing your skill set is also a good thing to do during this lockdown phase.

With a striking increase in the number of vehicles on the road, traffic safety has become a crucial matter in the modern world. As drivers and as pedestrians both, you need to be extremely careful about yourself as well as your fellow citizens.

Yes, no doubt a lot of medical facilities are widely available nowadays. Many multi-speciality hospitals provide emergency services to the needy ones. Many companies offer individual health insurance in India. A variety of measures can be undertaken after an accident. But would you want to go through all of it? Better safe than sorry, right? That's why we present the importance of maintaining road safety.

The given article describes the importance of being careful while crossing the roads as well as discusses a few measures of how you can avoid any misfortune while doing so.

• To avoid accidents - The first and foremost reason why you should be careful while crossing roads is to prevent collision with any vehicle. If you walk across haphazardly, you might end up getting hit by any driver who was not very careful with his driving. You cannot take control of what the fellow driver is doing, but you surely have the responsibility for your safety.
• To avoid injury - Of course, an accident will result in severe injuries. If the force stays quite high during the collision, the pedestrian might lose his life as well! To avoid such circumstances, taking precautions is necessary.
• To avoid a collision when someone is driving too fast - People are often seen to be in some sort of hurry while going somewhere as they operate at an unusually high speed. First things first, the speedily approaching vehicle has the potential to injure you severely if you get into its way. Moreover, applying brakes at high speed can be difficult and it provides absolutely no assurance that no collision will occur.
• To avoid injury to the driver - If you somehow end up lucky enough to avoid being rammed into by a vehicle, thank your stars. But the case might not be the same with the driver of the car. There are chances that someone might have applied brakes all of a sudden to avoid colliding into someone and his head banged on the steering wheel. He might suffer injuries as well.
• To avoid slipping on the road - Not just by accident, you can injure yourself by not maintaining balance while crossing the road and falling. You might end up hitting your head on the concrete. Worst case scenario, the driver of a random vehicle does not notice your fall and collides into you! You surely wouldn't want that to happen.
• Measures that can be taken
• Always cross from zebra crossing - All of you must have read about a zebra crossing in your school days. Those same instructions are what you need to follow. Nowadays, generally, zebra crossings are painted in the front area of traffic signals.
• Look on both sides - As people tend to drive on the wrong side of the road, no guarantee looking at the opposite side of the way before crossing will keep you safe. To ensure maximum safety, always look on both sides and cross only when it's feasible.
• Never run across roads - This is a crucial fact yet often goes unnoticed by people, never run while crossing a street. That doesn't mean you should walk extremely slow either. Always walk at a moderate speed so that you can cross calmly and can stop when any fast vehicle approaches.
• Avoid crossing when incoming traffic is substantial - If you want to cross the road, but the number of vehicles coming in from the opposite end is large, try and wait for a while and let the rush reduce. You can cross when the road seems a bit or more empty. This eliminates the possibility of sudden collisions.
• Having Individual Health Insurance In India only help you with the hospitalization related expenses but to stay safe and sound, you must follow the traffic rules diligently.

Driving around in a new car is an exciting feeling. But with owning a car, comes the responsibility of keeping it safe on the roads. In case of an event involving accident, theft, or fire, you may need compensation for damages sustained. Weather is also one of the primary factors due to which your car may suffer damage. Getting car insurance is a great way to provide a cover for your financial losses, especially during the monsoon season.

Why should you get Car Insurance In India?

Remember that a car is made up of a complex system of mechanical components and accessories. With comprehensive car insurance, you can easily get coverage for:

• Damage after a road accident, fire, or vandalism
• Damages that take place due to a natural disaster such as floods
• If the vehicle is stolen
• Unforeseen circumstances such as waterlogging

Accidents happen, but when you’re covered for the financial losses, it helps reduce your stress and brings you peace of mind.

Why do you need car insurance for the monsoons?

During the monsoon season, its even more important to consider securing your vehicle with a proper car insurance policy. Natural disasters like cyclones and flash floods can cause severe damages to property, including your car.

During monsoon water also collects in low lands and potholes making it really difficult to tell their presence. This often leads one to drive into potholes or park their cars in waterlogged areas. While the first one can cause damage to the body of the car, the latter can cause the engine to seize. But with the right insurance and the right add-on, both can be covered.

What would your car insurance policy cover during monsoons?

In the rainy season, no matter how cautious you are, there is always a risk of accidents due to poor visibility and slippery roads. Moreover, water damage like rusting, engine water-logging etc. are also quite common during heavy rains. Waterlogging happens if you drive through or start your car in deep water and the water gets into the engine. This leads to damage to the engine as well as electrical components. Sometimes, car insurers may exclude damage to the engine, but an engine protect add-on can offer you the required coverage. Similarly, roadside assistance add-on can be vital in ensuring you have help even during heavy rains.

While you have no control over the weather and road conditions, you can always be prepared to face them without any worries. Choose a good auto insurance policy such as Magma HDI's Private Car insurance and drive through monsoon worry-free.

Two-wheelers have changed the landscape of transportation forever, ever since the invention of the bicycle world has adapted and moved forward with the revolutions two-wheelers brought in the world. Motorized two-wheelers have brought about the most significant change. They have better mileage than cars and are not as bulky as they are. Also, they are compact, and it is easier to tackle the traffic on a two-wheeler than in a car. They have made the world a smaller place. Now you can reach any destination you desire without tiring yourself. Two-wheelers have also empowered women. Women are generally nimbler than men. Now they can travel long distances and carry luggage on their two-wheeler without breaking a sweat.

Indeed, the invention of bikes has forever changed the transportation industry for the better. Most of the individuals and couples opt for purchasing a two-wheeler while families still rely on cars. Bikes have lower maintenance costs than vehicles, and also their cost per distance travelled is less than that of cars. Their compact size allows them to fit in most homes without the need for a garage. Though, you must never drive a bike without a helmet, nor should you ever drive it without insurance. If your bike is not insured, then now you can conveniently buy bike insurance online. As science progresses, there have been many revolutionary changes in bikes from how they look to their performance. The two-wheeler industry has also seen many economic changes over the years. Here is an overview of how the two-wheeler industry is expected to look in the next ten years: -

• Currently, most of the two-wheeler market is dominated by mid-range two-wheelers. Id the current trend continues, we will witness an increase in high-range and low-range two-wheelers. This may lead to better technology in low-range bikes as well as high-range motorcycles to have more premium features and out of the box designs.
• A.I. technology may make the bike riding experience better for everyone. We may witness automatic gear adjustments, terrain adjustments, fuel consumption adjustments, and much more. If A.I. technology grows at the current pace, the future is not too far when we will see it being installed on bikes.
• We should hope for much better mileage and alternative fuel options. Currently, we have electric motorcycles, but they take a long time to charge and do not provide that much coverage. Electricity consumption is also high in bikes. In another decade we shall see much better bikes on the market that will run on electricity.
• There has been recent news on bikes that utilize water as fuel and provide incredible mileage. There are no mass production variants yet. In another decade, we may have a range of motorcycles that use water as fuel and are environment friendly.

The future of the two-wheeler industry looks excellent. We have some significant advances in store for us within a decade. One thing will never change, though, that is safety guidelines and insurance policies. It is and will always be dangerous to drive recklessly. There is no hope of bikes that will allow you to drive without a helmet, either. Insurance policies will change slightly and will add more features and guidelines as technology progresses. They will more or less remain the same. It is essential to have your bike insured at all times. Right now, you can buy Bike Insurance online; maybe the future will be even more convenient.