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Two Wheeler Insurance Policy – Why Are Add On Covers Required?
Two Wheeler Insurance
Two wheelers are super convenient – cheap to purchase and operate, savings on fuel, ease of parking in even the tiniest spaces and make all riders look cool. However, before you get on your favorite two wheeler, it pays to understand certain details about owning and operating one while covering against the risks.
In India, the Indian Motor Vehicles Act makes it mandatory for all vehicles to have a valid insurance policy to cover various risks. Since two wheelers are by far the most widely used vehicles on Indian roads, it becomes useful to understand the nitty gritty of two wheeler insurance policies.
The basics
There are two primary sorts of two wheeler insurance policies currently in the market. These variants cover different risk and perform different functions:
Comprehensive insurance policy – The policy has two coverage areas. One, it covers the mandatory third party liability for any damages imposed on third parties or property. Two, it also covers any damage to the two wheeler and the rider. If your two wheeler is stolen or damaged due to manmade or natural causes, the policy pays for the repairs. In addition, there is also a personal accident cover for the two wheeler’s owner / driver and is therefore advantageous in case of accidental death.
Third party liability policy – As the name suggests, this policy covers you for third party liability only. This is mandatory. This policy covers you against any financial obligation you may incur if you cause damage to the person, or property of any third party, including their death as a direct result of operating your two wheeler. Third party can be taken to mean any person or property other than you and your two wheeler.
So why are add on covers available?
Comprehensive two-wheel insurance also has several additional optional cover functions. These are called additions and they extend the coverage to fill out any gaps. Most insurance companies offer certain additions to complement a comprehensive insurance policy to make it more useful and valuable to the buyer. Some popular covers such as cover as passenger cover, zero-charge cover, accessories for accessories, etc. are offered. Although these are few of the basic add-ons, others can be incorporated for extra premium. The additional premium amount depends on the type of cover chosen. Different add on covers are available at different cost.
Some popular add-ons include the following:
Zero depreciation cover – In case of a claim where the parts of the two wheeler are replaced, the insurance company pays the depreciated costs on the parts. The rest is paid by the policy holder. An add on cover for zero depreciation is useful as it removes the consideration of depreciation. If the cover is selected, the company pays the full cost of the repaired or replaced part regardless of depreciation.
No claim bonus cover – Every year, when you do not claim a claim in your insurance policy, you earn a premium discount called No Claim Bonus. This discount is applied to the renewal premium and can go up to fifty percent. But in any year, if you make a claim, you lose the accumulated discount. If you have No Claim Bonus add on cover, this discount is not lost even in the event of a claim.
Medical cover – More than anything else, medical care is of the utmost importance at the time of an accident. In most cases, medical expenses tend to skyrocket past any budgeted amounts. This is an important reason why a medical cover add on is crucial to a two wheeler insurance policy. This is an add on cover that helps cover the cost of a medical treatment caused by the accident.
Accessories cover – If you are proud of your two wheeled beast and love to accessorize your machine with expensive accoutrements, you should consider an accessories add on cover. This cover helps to shield against any theft or damage to your carefully chosen accessories. The insurance company reimburses you for them when you file a claim.
Passenger cover – This add on cover should be taken if you regularly carry pillion riders, since the personal accident cover in the main insurance policy covers for injuries or death to the two wheeler driver only. For passengers, this add one cover should be chosen. It can greatly help you in case your pillion rider is injured during the ride.
A final note
Regardless of your experience and the condition of your two wheeler, a two wheeler insurance policy is a must. Such a policy must be chosen with care keeping in mind all your personal requirements. Also, make sure you read the fine print in the insurance contract to be clear regarding policy terms and conditions. www.policies365.com can help you iron out any wrinkles in the process.
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Two Wheeler Insurance Online - Policies365
As the name suggests, two-wheeler insurance is an insurance policy that financially covers against any damage, theft or third party liability caused to your two-wheeler.
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Home Insurance - Policies365
Home insurance should be a top priority for every homeowner, landlord, and tenant. If you don’t have home insurance or you think you are underinsured, take quick action. We can help you find the correct home insurance policy and safeguard your dream home.
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As the name suggests, two-wheeler insurance is an insurance policy that financially covers against any damage, theft or third party liability caused to your two-wheeler.
When you buy your two-wheeler insurance online, you can: Compare policies from top-ranking providers. Choose one of the many plans that suit your needs the best. Save money with a side by side comparison of all plans offered. Get help from the site’s customer service.
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Policies365 offers you a wide range of options to choose from for your two-wheeler insurance. If you are looking for comprehensive two-wheeler insurance online, visitPolicies365 for a user-friendly and hassle-free experience!
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Going on a Bike Trip? Here’s your To-Do List!
There are few things in life as liberating as a bike trip across the vast expanse of this beautiful country we call home. Across all the terrains, and the blessed lands, the mesmerizing beauty of this diverse nation is best experienced on a bike!
Usually, bike trips are undertaken by professionals, or individuals who have relevant experience having ridden across larger areas. However, if you’re a first-time bike tripper, there are a list of things that you need to keep in mind to make sure that this journey is a memorable one for you and your friends.
a) Research your Route – A lot of the times, going off route and exploring other areas becomes a problem. Always research the entire route prior to your departure – a simple Google search will throw up the route to your destination. Find adequate pit stops, fuel pumps on the route, hotels/restrooms and restaurants that are open at specific travel times. Additionally, take screenshots of the directions and store them on your phone, in case you’re lost and need some help.
b) Plan your Travel – A long journey isn’t a race from start to finish. The idea is to enjoy yourself, soak in the beauty of the land and also to ensure that you’re well rested and in a condition to go the distance. We suggest planning the trip in such a way that you take a 10-minute break every 1 hour or 50 kilometres – that way, not only will you remain fresh, but you’ll also be on schedule.
c) Make sure you Remain Hydrated – The number 1 issue that bikers in long journeys face is dehydration. This is bound to happen when you’re moving quickly across regions that may have different humidity levels. You can avoid this by carrying a strap-on water bottle on your bike – this way, every time you take a small break, you can always hydrate yourself and your fellow bikers. The roads are treacherous, so always make sure that everyone is well hydrated and good to go.
d) Carry First-Aid – While nobody wants to think about the worst case scenario, you can always ensure that the damage is limited by being equally prepared. Carry a first-aid kit in your bag, or purchase a bike satchel that allows you to carry the kit on the bike. The first-aid kit should consist of band-aids, cotton wool, antiseptic liquid, crepe bandages, and OTC medicines for headaches, fever and common diseases.
e)Travelling Light – You can make the whole journey a lot easier for yourself by travelling light. This way, not only do you not have too many objects to take care of, but you can also effectively experience the best possible bike ride. Make sure to carry your essentials and your Government of India issued identification proofs and only a few items that you will need.
f) Plan Your Meals – It is always advisable to travel on a light or empty stomach and then having your meal on the way. A huge, heavy meal will make you lazy, drowsy and sleepy, none of which are conducive to bike riding. Find spots to eat that aren’t serving heavy food – in fact, eating fruits and drinking a lot of water is most recommended.
g) Get Your Safety On – A bike ride also comes with its set of rules and responsibilities. As a responsible biker, it is up to you to ensure your own safety and the safety of your co-riders and travellers. Always insist on proper helmets/headgear, knee and elbow guards and proper clothing that will allow you to remain completely safe as you travel and experience the joys of bike riding.
h) Have the Right Bike Insurance – Let’s face it – dangers exist everywhere, and even more so on bikes. We at Policies365 are adamant that all bikers, be it the ones riding across the cities or even going on bike trips like yourself, take adequate bike insurance so that in the event of any mishap, you and your beloved bike are covered financially. You can check out the best Bike Insurances here: https://www.policies365.com/bike/#/quote
Bike riding is one of those things that are best experienced first-hand. Follow these steps and make sure that yours is a journey to remember. Bon voyage!
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A Guide to Term Insurance Comparison
A term insurance is a type of insurance plan wherein the insured is given a cover in the event of an adversity during the term period or the coverage period. In the event of the insured’s death, the beneficiary receives the payout. The premium is usually less than the life insurance while the payout is higher. If the person does not die during the term, they can increase the term or the policy lapses. However, the premium in the case of an extended term is generally high.
Term Insurance Comparison
Term insurance comparison can be done through different online portals to ensure that you select the best option in the market according to your needs. Policies365gives you access to a host of plans, enabling you to compare term insurance on several parameters. It is advisable that you compare term insurance before zeroing in on a policy that best fits your requirement. Let’s take a look at the different term insurance plans offered by major companies in the market today.
Term insurance plan by LIC
Term life insurance or term assurance provides coverage for your loved ones at a fixed rate of payments for a limited period of time. If you stop paying premiums, the insurance stops. Term policies are beneficial only in a situation where you die during the period covered by the policy. Popular LIC term insurance– LIC Anmol Jeevan II Term Plan.
Term insurance by HDFC
HDFC offers a variety of term plans, namely HDFC Click2Protect 3D Plus, HDFC Click2Protect Plus, and CSC Suraksha Plan. The Click2Protect 3D Plus offers nine cover options with the terminal illness, accidents, and maturity benefits. Under theClick2Protect Plus Plan, which comes with four cover options, the death benefit offered is 125% higher than that in a single premium plan. The CSC Suraksha is a low-cost plan targeting rural populations. Popular HDFC term insurance – HDFC Click2Protect 3D Plus.
Term Insurance by ICICI
ICICI Life Insurance offers the option of either buying online or through intermediaries. A range of ICICI term insurance plans is available on various policy comparison sites and also through intermediaries like agents, brokers, etc. Among a total of three ICICI term insurance plans offered, two are online and one offline. Popular ICICI term insurance– ICICI Pru iprotect Smart.
Term Insurance by SBI
SBI Life Insurance Company offers a variety of term plans to customers and every plan is different in terms of both features and availability. Some SBI term insurance plans can be bought online at a lower premium, while other SBI term insurance plans are available offline and can be easily availed from agents, brokers, bank assurance channels, etc. Popular SBI term insurance– SBI Life Smart Shield.
Term Insurance by Max Life
The company offers a lot of variety and diversity in its plans. All Max Life term plans ensure that the customer gets attractive benefits at competitive rates. Popular Max Life term insurance– Max Online Term Basic Cover.
Term Insurance by Aegon
The customers are offered an amazing range of term insurance plans and every plan has a different set of features which makes it unique. The company thrives on providing a lot of sustainable options to their customers according to their distinct needs. Popular Aegon term insurance– Aegon Life iTerm Insurance Plan.
Given the variety of term insurance plans in the market, a thorough comparison is necessary to identify the right plan for one’s needs. At Policies365, you receive a comprehensive comparison and analysis for a wide pool of term plans. Visit Policies365 today to start your comparison journey and purchase the term plan that best suits your needs!
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A pension plan is the only lifeline that can ensure you maintain high standards of living along with fulfilling your desires. It also provides with financial safety by making sure you get fixed amount of income after retirement.
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Policies365 is an online insurance platform offering the best prices, convenience, comparison, and claims assistance service. Policies365 is owned by Navnit Insurance Broking Pvt. Ltd.
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Buying a new bike requires a lot of research in terms of which seller to approach, which brand to go with, how much mileage it provides and so on. It’s the same when it comes to buying a used 2-wheeler.
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Insurance Policy in India - Contact Policies365
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When you drive a car, there are chances of having a minor or major accident, which can cause injuries or sometimes, even be fatal to the person inside or outside the car.
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HDFC Term Insurance Plan - Contact Policies365
HDFC life gives you a flexible policy so you get a choice of flexibility and comprehensive security at an affordable price. Policies 365 is an online term policy that covers you from the 3Ds, i.e. Death, Disability and Disease, unlike other policy brands.
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Contact for Aegon Term Insurance - Aegon Life iterm insurance
Aegon Life iterm insurance is an online term insurance plan that gives you lucrative benefits like 25% term insurance sum assured as an advance, tax benefits, maturity benefits. Choose Aegon Life insurance to ensure a secured future for your family, so that they can sustain the comforts of life you’ve curated for them.
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What is third party liability in car insurance?
Buying a car is quite exciting but, do you know there are certain measures to keep in mind after you buy one? As we all know, life is unpredictable. When you drive a car, there are chances of having a minor or major accident, which can cause injuries or sometimes, even be fatal to the person inside or outside the car. To your advantage, however, this could be taken care of by purchasing, “Third Party Liability Car Insurance.”
Wondering what exactly is Third Party Liability Car Insurance? Well, it is basically a risk cover whereby in case of an accident, your insurer will compensate for all the damage caused to the third-party vehicle/property. As per the Indian Motor Vehicles Act, a third-party liability cover is a must and a basic requirement under a vehicle’s insurance policy.
How does it work?
To understand this policy better, let’s get to know more about the terminologies first. For instance, when you meet with an accident, the parties involved in this would be:
First Party: The insured person (You)
Second Party: The insurance company (Your Insurer)
Third Party: The person who claims for the damages caused by the first party (The other person involved in the accident)
If you do meet up with an accident, having Third Party Liability will work in your favour with the following benefits:
Covers the death or injuries to a third party
Covers damages caused to a third-party property
Easily acquired and renewed
Could be purchased or renewed online
Affordable
During an accident, the person with “Third Party Insurance Policy” is needed to immediately inform the insurance company about the incident.
If you were responsible for the accident or even if the other driver believes you were responsible, it’s almost certain that a claim will be made against you, which your insurance company will pay off. Hence, it is very important to make sure your insurance provider is aware of any accident you are involved in.
What does it not cover?
Cover for losses sustained if your car or belongings are stolen or destroyed
Coverage against damages to your own vehicle
Cover for injuries you suffer in an accident
Moreover, the “Third-Party Insurance Policy” can be bought and renewed easily. Also, if you cannot personally go and renew it or buy it, you can always do it online on www.policies365.com
How much does it cost?
Third Party Insurance Policy is way cheaper than Comprehensive Car Insurance. Also, remember to make sure that the claim settlement ratios for your selected insurer are well above 85% to 90%
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Women and Health Insurance
Health Insurance is important equally for both men and women. But, did you know that women have unique health problems that need to be accounted for when choosing a health insurance plan? Despite women having equal rights as men, many people in India are still reluctant when it comes to buying health insurance for women.
Women multitask a lot by trying to maintain a balance between their personal and professional lives. A recent survey revealed that women are more vulnerable to health issues especially after the age of 40. Women are prone to critical health problems like arthritis, irregular BP, diabetes, heart diseases, cancer, reproductive health issues, depression and so on. This is one of the main reasons why women in India need to opt for health insurance at the earliest, whether they are working or not.
Some of the major health issues that women face are as follows:
Heart disease
People always believed men to be more prone to heart diseases. But now, a lot of women are also facing this issue. Nearly two-thirds of the deaths from heart attacks in women occur amongst those who have no history of chest pain. Low levels of estrogen pose a significant risk factor for developing cardiovascular disease in the smaller blood vessels.
Cancer
This is the second most dangerous health problem that women face. Breast cancer and uterine cancer is hundred times more common amongst women than in men. Heredity also plays a role, because if any of your family members have cancer, your risk is doubled. Apart from these, women are also prone to lung cancer.
Reproductive health problems
Lack of nutrition, sex education, poverty, sanitation issues, contribute to reproductive health issues very common to rural and urban women alike. India’s maternal mortality ratio is the highest in South Asia; 540 deaths per 10,000 live births. Basically, a woman is dying roughly every 5 minutes. Pregnant women also go through a lot of health problems, during or after giving birth. Miscarriage again takes a huge toll on them, sometimes proving fatal.
Considering all these factors, it is only obvious that women need health insurance as much as men do for the same reason to create a financial backup. Nowadays, there are health insurance plans specially designed to cater to the needs of women.
How to solve these issues?
The intensity and speed at which health complications are increasing among women, it is high time they started taking care of their health better. A mindful effort towards adopting a healthy lifestyle along with an independent health policy can do wonders to women in the long run.
Things to consider while choosing a health insurance for women
1) Remember to check if the health insurance covers pre-existing diseases
2) Certain health insurance plans offer coverage for certain diseases only after a specified waiting period. Check if there is a similar clause in the health insurance plan.
3) Check if the insurance plan offers additional important riders.
4) Make sure to check if the insurance plan offers maternity cover.
As women have a longer life than men, there are special plans addressing this cause and it also gives motive to a lot of other women to get independent health policy. To buy the best health insurance plan visit www.policies365.com
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A list of top 10 car insurance companies in India and their respective features so that you can select one that suits your needs. We helps you to easily compare, evaluate and select the best car insurance company in India as per your needs and helps you with claims assistance like no other. Visit www.policies365.com to know more!
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