Saturday December 7, 2019
Home Business 10 Ways to Ge...

10 Ways to Get Best Offers On Two Wheelers Insurance Renewals This Diwali

So, if you are renewing your bike insurance policy this Diwali, don’t forget to avail the below-mentioned offers to reduce your premiu

0
//
BS-III
Bikes in a showroom. Image courtesy: Wikimedia commons

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:

  1. 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
  2. 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.
10 Ways to Get Best Offers On Two Wheelers Insurance Renewals This Diwali
This articles give you knowledge on ’10 Ways to Get Best Offers On Two Wheelers Insurance Renewals This Diwali’. Wikimedia Commons
  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
Insurance
Representational image.
  1. 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.
  2. 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.
  3. 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.

Next Story

Fireworks Might Extinguish the Flame of Laxmi Puja

We can have various kind of festival enjoyments on Festivals but without ever causing problem to others and the environment

0
Fireworks
There is no mention in any corners of the voluminous scriptures of Fireworks blasting during a PUJAS that “upset” the harmony of peace and tranquility of others. Pixabay

BY SALIL GEWALI

If one wants to connect Hindu culture with the senseless bursting of crackers and boisterous fun then he is absolutely wrong. There is no mention in any corners of the voluminous scriptures of Fireworks blasting during a PUJAS that “upset” the harmony of peace and tranquility of others. To disturb others’ tranquility falls under the heading of vices. Preserving the sanctity of the environment, and more importantly, inner purity of mind and heart is the “prime doctrine” of SANATAN DHARMA which is popularly known as Hinduism. This Hindu culture now seemingly run the risk of having been defined by other communities with what is not very pleasant to hear.

Fireworks
It should not be misunderstood ever that Hinduism disapproves of all kinds of fun and frolic. No, it is never so.  We can have various kind of festival enjoyments but without ever causing problem to others and the environment without Using Fireworks.

I’ve overheard many toxic comments against this blatant desecration of auspicious “puja celebrations”. During Holi festival, many people fear to move out of their homes, particularly in certain the plane areas in India. You might be blasted with a bucketful of dirty water by pranksters from the 5th floor of the building. Is this sadism the part of the puja and holi celebration? One is afraid, with each passing year, this festival of color of joy, though having strong spiritual significance, has only painted the very face of Hindu culture with vulgarity and depravity.

Fireworks
If one wants to connect Hindu culture with the senseless bursting of crackers, Fireworks and boisterous fun then he is absolutely wrong.

Matter of fact, peace in one’s life and his efforts to help bring peace in others’ lives is essentially the fundamental basis of Hindu culture and festivals. Practically speaking, there is no devotion to God without “peace”.  Therefore, “Shanti” (peace) is one of the most paramount peace mantras in Sanskrit, not “Ashanti” which, of late, is the hallmark of such Hindu puja celebrations. The profound objective behind this peace mantra, as propounded in Upanishads, inspired even one of the greatest poets of the 20th Century – TS Eliot who underlined it with the purpose of life which he brought out in his epic poem – The Waste Land. That poem finally ends with the same peace mantra — Shanti, Shanti, Shanti.

Fireworks
TS Eliot who underlined it with the purpose of life which he brought out in his epic poem – The Waste Land.

It should not be misunderstood ever that Hinduism disapproves of all kinds of fun and frolic. No, it is never so.  We can have various kind of festival enjoyments but without ever causing problem to others and the environment. There are sufficient mentions of fun and frolic, merrymaking even in the spiritual activities — like Krishna LilaRam Lila…; and there exist endless nritya shashtras for healthy recreation. But they all are within the “purview of Dharma”. Ancient sages in their meditation conceived and authored a number of treatises in which we find the elaborate approaches and procedures to evolve oneself spiritually through fun-filled dances and music. There are “ragas and layas” (musical modes and rhythm), which are meant to “recharge” the mind for the meditative concentrationThe objective behind being to climb up the ladders of realization of oneness and universal uniformity.

Fireworks
There are sufficient mentions of fun and frolic, merrymaking even in the spiritual activities — like Krishna Lila, Ram Lila…; and there exist endless nritya shashtras for healthy recreation and not Fireworks. But they all are within the “purview of Dharma”.

However, there is absolutely no scope or prescription for deriving pleasure or fun by causing pain and anxieties to others? How come bursting high decibel fireworks at 2 AM or 3 AM or 4 AM is puja? In fact, it is called “adharma” or irreligion leading to self-degeneration.

ALSO READ: How Automation Can Help Scale Continuous Testing in Agile?

Therefore, it is DIYA, as per Vedas, which symbolizes the LIGHT to dispel the darkness of ignorance, the darkness of vices, and bring forth the light of knowledge to awake the “inherent” divinity. Goddess Laxmi is the “flame” of feminine ENERGY in the infinite cosmic creation. So, indulging in earsplitting fireworks and causing continuous problem to HER creatures, and HER environment, is totally against the fundamental principle of the devotion in Hinduism. Very sadly, with the blasting of the fireworks in the name of Goddess Laxmi we have invariably set off the tank of vices alone.

Salil Gewali is a well-Known Writer and Author of ‘Great Minds on India’. Twitter: @SGewali