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A new car is more than just another purchase. For many, it is an asset to be bought which they were planning for years. A good deal of one’s income has to be spent on a new car and why not? In India, a car is not just a vehicle or a personal medium to travel but also a status of luxury.
However, purchasing a car is not everything. There are certain compulsions as well as necessities, which you need to ensure before taking the car on the streets. One such thing is car insurance. According to the Motor Tariff 2002, every Indian vehicle is required to have a legitimate insurance cover. As important as it is to have a driving license, so it is to have an insurance cover. Finding the best car insurance in India may be a tricky thing.
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If you happened to have bought a new car, it is likely that the dealer you bought it from will go through in availing the insurance policy of the car. If this is the case, you will do well to keep in mind to double-check some important things before leaving the showroom with your new car. On the other hand, if you have not purchased an insurance policy yet, get the best car insurance in India by Turtlemint.
Things To Keep In Mind
Whether you have taken the initiative of having the insurance cover by yourself or whether the dealer has done it for you, either way, you should keep in mind the following suggestions:
Insurance Regulatory and Development Authority
Before subscribing to the car insurance policy, try learning more about the insurance company you are buying the policy from. Learning about the background of the company along with its working status and the year since which it is operating can suggest a lot about the policy you are taking. The most important thing to correspond is to see if the insurance company is licensed with IRDA. Insurance Regulatory and Development Authority is an autonomous statutory body which has been given the task of promoting and regulating insurance companies in India. All insurance companies are bound to be licensed with the IRDA. The IRDA authorized insurance companies are considered to be genuine.
Authenticating The Details
It is highly recommended to correspond the policy details with the car you have bought. The car’s model number, registration number, year of registration etc. should be matched so as to avoid any error. This will establish the fact that the policy is specifically for your car. In addition to this, double-check the policy wordings so as to know the coverage extent properly. If you are facing any issue, just do not purchase the insurance right there. Drive your car home and do a fair bit of research before finalising an insurance policy for your newly purchased car.
Talk To The Insurance Company
After having subscribed to the policy which the dealer handed over to you, crosscheck it by calling the insurance company. This will double-sure you about your car policy. Also, you can learn more about your insurance cover by talking to the insurance executive.
Use Payment Link
The best way of paying the premium for your insurance would be through the payment link which is sent to you by the insurance company. Clicking on it would open the portal of payment and you can directly log in to the official insurance company profile and thereby process the payment. This will also help you in learning more about your insurance from the website.
Check The Email
The insurance company will send you an email regarding your car insurance cover. This soft copy document will serve as a durable proof. Before leaving the showroom, make sure you have received the mail. If you have not received the mail, contact the insurance company and ask for the mail to be sent as soon as possible.
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Following these suggestions will help you in getting a thorough idea about the insurance cover of your car. The details about the insurance premium will also be given in the car insurance policy document.
Premium For Insurance
With every insurance comes the necessity of paying premiums. There are certain factors which affect the insurance premium. Let us look at them:
- Where you are purchasing the car from affects the rates of insurance and therefore the premium as well.
- Insured Declared Value or IDV is the maximum amount you can get from your insurance company for the loss or theft of your car. This also determines the insurance premium.
- Cars with rare motor parts will have a higher premium than those whose parts are manufactured in a larger number.
- Geographical location, engine capacity, type of insurance cover and add-ons also affect the premium amount.
Keeping these factors in mind will help you assess various insurance policies in picking the best one for your car.
What Else To Look For?
Apart from the insurance-related aspects, it is also advised to look at the physical aspects of the car. You should thoroughly look at these things at least once before taking your purchased car out of the showroom:
- The exterior of the car should be checked thoroughly. If you find any scratch or dent or any part is even a bit out of proportion, tell your dealer to fix it. If everything is alright, you can go for an insurance cover for your car.
- Generally, the car insurance policy does not cover the seats or their covers. So once you have bought it, you may have a hard time getting them fixed without payment. Therefore, it is recommended to check the seat properly.
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- Same is the case with floor carpets. You do not generally get the insurance cover for floor carpets. So better check them before buying the car.
- Check the lights of the car. If the light is defective, it may create a mishap. An accident caused due to defective lights may or may not come under insurance cover. So it is better not to take the risk. Inspect the lights properly before leaving the showroom.
- Ignition of the car is the most important thing to be checked thoroughly. Try looking if there is an odd sound coming from the vehicle. If not, you are free to drive your car home.
As it turns out, buying a new car also means having a good deal of familiarity with car insurance. Since buying a car is equal to fulfilling one of your dreams, it is important for you to take the step regarding the security of your investment in it.
[ Disclaimer: The pictures used in the article are supplied by the author, NewsGram has no intention of infringing copyrights. ]
The Supreme Court on Monday sought response from the Centre, within three days, on a plea challenging a notification for change in land use, which would deprive residents of Delhi a vast chunk of green space in the Central Vista area.
Solicitor General Tushar Mehta submitted before a bench headed by Justice A.M. Khanwilkar that he will seek instructions from the government. He added since the Prime Minister and Vice President's house is coming up there, therefore it would not be possible to have a recreational area in the vicinity.
After hearing arguments, the bench, also comprising Justice C.T. Ravikumar, posted the matter for further hearing on Friday.
The plea, filed by social activist Rajeev Suri, who had earlier challenged the project earlier citing an illegal change in land use and absence of environmental clearance, through advocate Shikhil Suri, contended that the Centre did, mala fide, issue a notification dated October 28, 2020, notifying the change in land use, which will deprive residents of Delhi a vast chunk of highly treasured open and green space in Central Vista area available for social and recreational activity.
The plea argued that this notification stands against Article 21 (Right to Life) in the right to the enjoyment of wholesome life. "Since the subject plot no 1 takes over spaces of a children's recreational park and bus terminal for public transport, heightened judicial scrutiny is required to cut through the well-disguised illegalities and infirmities to reach the violations of statutory laws," said the plea.
The plea sought the top court to issue directions to call records and quash the notification concerned issued by the Centre, through the Ministry of Housing and Urban Affairs, and, also to prevent loss equities by staying activities such demolition of buildings, cutting of trees, excavation of land and other actions which may be irreversible.
The Central Vista redevelopment project, which covers a three-km stretch from Rashtrapati Bhavan to India Gate in Lutyens' Delhi, at the cost of Rs 20,000 crore, where several government buildings -- including the Parliament House and ministry offices, will be rebuilt.
In January, this year, the Supreme Court had cleared the decks for the Central Vista project by upholding the environmental clearance and the notification for change in land use. (IANS/JB)
Keywords: India, Government, Central Vista, Supreme court of India.
Health Care Without Harm, the official Race to Zero healthcare partner, on Monday announced that over 50 healthcare institutions collectively representing more than 11,500 healthcare facilities in 21 countries including India's Kerala, are part of the UN-backed Race to Zero campaign.
In joining the Race to Zero, these organizations commit to achieving net-zero emissions by 2050. They become part of the largest ever alliance outside of national governments committed to delivering a zero-carbon world in line with the Paris Agreement.
The healthcare organizations in Race to Zero include institutions ranging from individual, public and private hospitals and health systems to entire provincial or state government health departments. In recent weeks several large health systems have signed on to this vital commitment.
These systems include the Directorate of Health Services in Kerala, the international private healthcare and insurance system, Bupa, and CommonSpirit Health in the US.
They demonstrate global leadership in the healthcare sector by committing to net zero emissions and taking immediate climate action.
"It's exciting to see the momentum of healthcare organizations worldwide join the Race to Zero. All health organizations, large and small, can accelerate the transition to a healthier, sustainable, and more equitable world," said UN High-Level Climate Champion Gonzalo Muoz.
"At a time when Kerala is facing unprecedented climate events, the state Health Department has shown its commitment to climate resilience and pledged to achieve net-zero healthcare by signing up to the Race to Zero program. This initiative brings health facilities of the state on track to being low carbon and climate-resilient," said Kerala Minister of Health and Family Welfare Veena George.
"As a global healthcare company, we are very conscious that people's health depends on a healthy planet and we believe we can continue to deliver high-quality healthcare while mitigating our impact on the environment. We can't do this alone, that's why we are so incredibly proud to join the Race to Zero campaign with Health Care Without Harm, setting our ambition to become a net-zero business by 2040 and joining leading healthcare companies that are also committed to driving change for a healthy people and healthy planet," said Nigel Sullivan, Chief Sustainability and People Officer, Bupa.
In the lead-up to COP26, Race to Zero healthcare leadership is part of a diverse and growing global health sector movement for climate action.
National government ministries are making high-level commitments to healthcare decarbonization and resilience, while more than 45 million health professionals have called for aggressive action to protect people's health from climate change.
Health sector decarbonization is critical to reducing global emissions.
Health Care Without Harm's 2019 report shows the sector's climate footprint is equivalent to 4.4 per cent of global net emissions, with the majority originating from fossil fuels used across facility operations, the supply chain, and the broader economy.
To guide the sector's decarbonization, Health Care Without Harm's Global Road Map demonstrates how implementing seven high-impact actions can reduce global emissions by 44 gigatons over 36 years, equivalent to keeping more than 2.7 billion barrels of oil in the ground each year, and potentially saving more than five million lives by the end of the century. (IANS/JB)
Keywords: United Nations, Health, Kerala Population, Global emissions, a global healthcare company
With Diwali comes the yearly ritual of disinfectingand deep-cleaning our homes. However, your basic cleaning ritual might not be sufficient to the changing needs of the environment we live in. If the deadly viruses around us have taught anything, disinfection should be as much a goal in our regular cleaning, rather than just the basic visible cleanliness. Therefore, it becomes necessary to know the right way of cleaning and disinfectinghomes that lends itself to a responsible celebration. While we plan to welcome Goddess Lakshmi by cleaning and decorating our living spaces inside out, we should be aware of those corners that are prone to infections, diseases and require our special attention.
The R&D team at ITC Savlon, shares some tips to maximize hygiene and ensure germ-free cleaning this Diwali:
Clean your Kitchen
As the excitement builds for us to be able to open our houses to guests and have the kitchen work overtime to put out scrumptious meals, do spend a moment on considering thorough kitchen disinfection. Bear in mind that the multiple ways in which we use our home kitchen carry with it the burden of microbes that can cause infections.
A disinfection ritual will ensure that any chances of microbial contamination to your person or to the food being cooked gets eliminated. Be it organizing shelves and arranging jars, wiping the crockery cabinet, or cleaning the refrigerator, all you need is a multipurpose disinfectant and cleaner by your side. A Spray & Wipe Multipurpose disinfectant cleaner that is readily available makes the task of cleaning convenient with its dual action of cleaning and disinfection together. The added feature of a citrus fragrance also helps keep the space smelling fresh.
Spray & Wipe Multipurpose disinfectant cleaner that is readily available makes the task of cleaning convenient with its dual action of cleaning and disinfection together. | Photo by CDC on Unsplash
Refresh your Bathroom
When we spruce up our homes around Diwali, we often forget to place our bathroom hygiene on the priority list. Bathrooms are breeding corners for germs and harmful microorganisms. As we accommodate our guests for a get-together or a game of cards, let's also keep in mind that bathrooms are the second most used space by guests. It becomes crucial, therefore, to effectively clean our restrooms and keep them dry. Make sure you buy a multipurpose disinfectant to clean the floor, wipe the washbasin, and faucets, or other frequently touched areas. Add a scented candle of a fragrance diffuser with some essential oil poured in to uplift the space and leave it smelling fragrant.
When we spruce up our homes around Diwali, we often forget to place our bathroom hygiene on the priority list. | Photo by Nino Maghradze on Unsplash
Style your Living room
We often indulge in renovating your living areas just before Diwali, but there are other comparatively smaller purchases that might help you bypass an overhaul. One can brighten up living spaces with new drapes and bright-coloured cushions giving a cozy look to your favourite couch. At times, buying new furniture, sofas, etc. gets beyond budget, so indulge in fabric covers instead. They give your existing furniture a great face-lift. You could also look at rearranging the furniture placement and adding new wall art. Simple additions like this often give the entire space a new look. While you move around the furniture or add new drapes, make sure you spray them down with a surface disinfectant spray regularly since they are not washed as frequently. Spray Surface Disinfectant Spray post dusting to kill 99.9 per cent of germs. This helps you, welcome guests, to a safe environment and a quick spray after the party winds down, ensures you and your family also stay protected.
Spray Surface Disinfectant Spray post dusting to kill 99.9 per cent of germs. | Photo by Katie Pearse on Unsplash
According to WHO -- if hand hygiene is done properly this can be over 90 per cent effective in preventing the spread of harmful germs and HCAIs. So, let's ensure to keep our hand hygiene at par by washing hands regularly and wiping down doorknobs, spraying playing cards, or serviette holders with a disinfectant from time to time.
As we get excited to meet our friends, families this festive season we must be cautious while doing handshakes, exchanging high-fives etc. to control the germ transmission. | Photo by Kaffeebart on Unsplash
As we get excited to meet our friends, families this festive season we must be cautious while doing handshakes, exchanging high-fives etc. to control the germ transmission. This can be done by replacing towels with tissue papers in the guest bathroom so that no two people use the same towel. Another way is by placing hand sanitizer bottles that could be accessible for guests enabling them to use it as and when required.
(Article originally published on IANSlife) (IANS/ MBI)
Keywords: Diwali, cleaning, checklist, living room, bathroom, kitchen, covid