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Diwali is a festival to celebrate with your family and friends. You also make major purchases this time of the year. However, with festivities and celebrations, expenses increase and so you look for savings and offers. Luckily, Diwali is a time when many sellers allow attractive discounts and offers, to lure customers. Even when it comes to bike insurance renewals, you get offers if you look for them. But before you go looking for offers, you should know how to renew your two wheeler insurance online. So, here’s the renewal process in brief:
- Choose a plan based on your requirements
- Provide your existing policy details and bike details
- Pay the renewal premium online and the policy would be renewed instantly
If, however, the due date has expired and the policy has lapsed, renewal would be allowed only after inspection of the bike. After choosing an insurer, you should ask the company to arrange for the inspection of your bike so that you can renew your two wheeler insurance online.
Now that you know the bike insurance renewal process, here are 10 best ways in which you can get the best offers on renewals:
- Choose to renew online:The online marketplace allows you to renew two wheeler insurance online. The online medium is not only simple, but it also helps in saving the premium outgo when you compare
- Compare before renewing: There are various bike insurance plans available in the market and at the time of renewal, you can choose another plan if you like. Different plans have different coverage and premium rates. When you compare you might get a low premium rate and save on your bike insurance plan.
- Choose the type of policy which is most suitable for you: Comprehensive plans provide the widest coverage but the premiums are high. Third party insurance plans are cheaper with a restrictive coverage benefit. If your bike is very old or you don’t use it very often, you can switch to third-party insurance and save premium on renewing the policy.
- Renew the policy on time: If you want to get the best offer on your two-wheeler insurance policy you should always renew the policy in time. In time renewals give you the best offers on premiums and you can save money.
- Go for a voluntary deductible: Voluntary deductibles involves you paying a part of your claim and reducing the insurance company’s claim liability. When you choose a voluntary deductible you can earn premium discounts.
- Look for other discounts: There are other discounts on your two wheeler insurance policy as well. For instance, you can get a discount for installing safety devices, for becoming a member of recognized automobile associations, etc. Look for these discounts to get good offers on the premium rate of your policy.
- Use your policy’s no claim bonus: If you have not made any claim in your policy in the existing year and also previous years you have a no claim bonus in your policy. You can use the accumulated no claim bonus to get a discount on the renewal premium. You can get a discount of 20% to 50% depending on the bonus you have in your policy.
- Get rid of unnecessary add-ons: Add-ons help in increasing the scope of your policy but they incur an additional premium. When renewing your bike insurance plan see if your existing plan has unnecessary add-ons which are driving up your premium. Get rid of those add-ons which are not required and reduce your premium outgo.
- Know the IDV of your bike insurance policy: You should be careful in picking the Insured Declared Value (IDV) of your insurance plan. Different companies offer different IDVs and you should choose the IDV which would be most suitable for your bike after considering the bike’s age.
- Look for value-added services offered by the company: The insurance company also offers various value-added services with its two-wheeler insurance policies. Look for these value-added services to get something extra with your two wheeler insurance plan.
So, if you are renewing your bike insurance policy this Diwali, don’t forget to avail the above-mentioned offers to reduce your premium.
The US researchers have discovered a class of immune cells that plays a role in miscarriage, which affects about a quarter of pregnancies.
Researchers at the University of California-San Francisco found that the recently discovered subset of cells known as extrathymic Aire-expressing cells in the immune system may prevent the mother's immune system from attacking the placenta and fetus.
The researchers showed that pregnant mice who did not have this subset of cells were twice as likely to miscarry, and in many of these pregnancies fetal growth was severely restricted.
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"When you're pregnant, the immune system is seeing the placenta for the first time in decades -- not since the mother made a placenta when she herself was a fetus," said Eva Gillis-Buck, from UCSF.
"Our research suggests that this subset of immune cells is carrying out a sort of 'secondary education' -- sometimes many years after the better-known population of the educator cells have carried out the primary education in the thymus -- teaching T cells not to attack the fetus, the placenta and other tissues involved in pregnancy," she added. The findings are published in the journal Science Immunology.
The immune system has to be educated not to attack one's own tissues and organs to prevent autoimmune disease. But pregnancy presents a unique challenge since the fetus expresses proteins found in the placenta as well as proteins whose genetics are distinct from the mother.
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"It was a conceptual leap to link Aire-expressing cells, which are critical for preventing autoimmune disease, to pregnancy," said Tippi Mackenzie, Professor of Surgery at UCSF's Center for Maternal Foetal Precision Medicine.
In the thymus, Aire-expressing cells begin interacting with other immune cells very early in life to teach them what not to attack. The thymus begins to shrink and is nearly gone by adulthood, by which time most immune cells have been educated. But as the thymus shrinks, the population of eTACs in lymph nodes and the spleen expands, the researchers explained.
The study suggests a healthy pregnancy may depend on having these cells around, they added. (IANS/KB)
The tiny emojis being shared on billions of devices worldwide can play a major role in digital communication, with most people saying that emoji compels them to feel more empathy towards others, according to an Adobe report.
Adobe's global emoji study found that emoji even helps people overcome language barriers and form connections that would otherwise be difficult to do.
"We were surprised and delighted by the discoveries made in the survey, most notably how enthusiastic respondents were for emoji as a means to express themselves," the company said in a statement.
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Emojis sometimes get criticized for being overly saccharine, but this sweetness is key when it comes to diffusing some of the heaviness of online communication.
"Many of the emoji are focused on positive emotions, so it's easy to insert them into our conversations and lighten the mood," the Adobe study said.
It's not surprising that over half of those surveyed feel more comfortable using emojis than talking on the phone or in person.
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This applies to less intense situations too. Dating, for example, can be tricky — especially when it's online or via digital apps, as it often is now.
The study also found that emoji even helps people overcome language barriers and form connections that would otherwise be difficult to do.
In celebration of World Emoji Day on Saturday, Adobe's '2021 Global Emoji Trend Report' surveyed 7,000 people in the US, the UK, Germany, France, Japan, Australia, and South Korea. (IANS/KB)
Following the grand Richard Branson show where he carried Andhra Pradesh-born Sirisha Bandla and fellow space travelers on his shoulders after successfully flying to the edge of space, it is time for Amazon Founder Jeff Bezos to applaud Sanjal Gavande, one of the key engineers who designed the New Shephard rocket set to take Bezos and the crew to space on July 20.
Billionaire Bezos is set to fly to the edge of space aboard what is touted as the world's first unpiloted suborbital flight. Born in Kalyan, Maharashtra, Gavande is a systems engineer at Blue Origin who always dreamt of designing aerospace rockets.
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After completing Bachelor's in mechanical engineering from the University of Mumbai, she flew to the US in 2011 to pursue a Master's in mechanical engineering from the Michigan Technological University. She also applied for an engineering job at the US space agency NASA but finally landed her dream job at Blue Origin
Sirisha flew to the US in 2011 to pursue a Master's in mechanical engineering from the Michigan Technological University.IANS
Bezos, his brother Mark, aviation pioneer Mary Wallace 'Wally' Funk, and other passengers are set to liftoff from west Texas and travel just beyond the edge of space on July 20. Blue Origin announced this week that Oliver Daemen, an 18-year-old high school graduate from the Netherlands, would join the crew.
Oliver is the son of millionaire Joe Daemen, Founder, and CEO of the Dutch investment company Somerset Capital Partners. Blue Origin, however, did not reveal how much Daemen paid for his son's trip to space. Bezos chose July 20 as the launch date to honor the 52nd anniversary of the Apollo 11 moon landing.
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The launch site for Blue Origin's first human flight will be in a remote location north of Van Horn, Texas, from where the firm had launched New Shepard for previous flights. Blue Origin has received final approval from the Federal Aviation Administration (FAA) to carry humans on the New Shepard rocket into space.
On July 12, Bandla touched the edge of space with three others, including Virgin Galactic's billionaire CEO Richard Branson. Bandla vaulted into space onboard VSS Unity 22. After the successful spaceflight, Branson carried the Indian-American on his shoulders while celebrating their flight to space, at Spaceport America in New Mexico. (IANS/KB)