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India has infinite travel destinations – from scenic mountainous ranges to panoramic beaches. There are so many travel destinations for every type of traveller. If you are looking for some of the best domestic travel destinations in India, here is a small list of some gorgeous places that won’t disappoint you for sure: Kashmir: Kashmir is one of the amazing places in India and aptly called the “Heaven on Earth” for its enthralling beauty. From picturesque lakes to thick forests filled with pines and deodars, there are many captivating natural things to appreciate in this region. Some famous places to visit here are Pir-Panjal ranges, Mughal Gardens, Dal Lake and its “Shikara boat ride” and more. Leh-Ladakh It is a majestic cold-dessert with snow-capped mountains, glacial lakes, ancient Buddhist monasteries and enchanting valleys. It is a must-visit destination for nature lovers seeking serenity and peace, away from their hectic city life. The serene trails and natural landscape ...

While car modification is a good way to personalise your wheels and improve its performance, the only downside is that it can bump up the cost of car insurance policy. What is a car modification? It is a change that can be made to a vehicle so that it appears different from the manufacturer’s actual factory specification. The changes to the vehicles can be made for improving its aesthetics, performance or any other functional modification.  How do car modifications change the price of car insurance? Your car insurance policy is based on risk factor and when quoted for cover, the insurers use all the factors before reaching the price. Car modifications can have a serious impact on how insurers assess any insurance policy in two major areas: Risk of Accident – The car modification can change the performance and look of a vehicle and it is assessed as a higher accidental risk by insurers. Some of these risk factors as per insurers are sports seats, engine changes, spoile...

One of the biggest problems with going out for vacations is leaving your house empty. The crime rates are increasing day by day, and if that worries you, it's only natural to do all you can to protect this important asset, even when you’re on holiday. Taking a cue from the same, below are some ways of home protection to safeguard your home from theft/ burglary while you are vacationing. 1. Prune your garden:   Unkempt bushes and tall plants make it easier for a thief to break into your house and perform the heist. Therefore, maintaining your lawn/ garden, if you have one, is the simplest step you can take to avoid theft in your absence.  2. Strengthen your door:   While wooden doors are classy and cost-effective, they are much easier to break. On the other hand, metal doors are one-time investment which would keep your home safe. 3. Use modern technology:   These days we have smart locks, anti-theft alarm systems etc. which make it easie...

The ‘Good News’ about the arrival of a newborn baby is an exciting and joyful moment for the married couples. The celebration comes along with the responsibility of parenthood, that starts with the planning for care during the pregnancy period and successful delivery of the baby. The happiness can, however, be marred by the ever-increasing costs of deliveries which can turn out to be in excess of Rs. 50000. It is thus more than essential to opt for a health insurance plan who covers the cost of maternity to the greatest possible extent. Some of the key terms and aspects which you must consider in maternity health insurance are as follows - Waiting Period Simply put, refers to the period for which the insured needs to wait before the benefits of the insurance plan kick-in. A majority of the health insurance policies have a waiting period of nine months to two years before you can claim the maternity expenses. Thus, you should make your plans of expanding your family accordi...

The recent records in terms of pollution index concerned, the country is facing great difficulty in staying healthy. Here are a few things that will help you in leading a great life: Use Indoor air purifiers for maintaining a healthy indoor environment Installing air conditioners with air purifiers and completely giving up the use of R22 refrigerant is a great move. You can get hold of a spate purifier too, to increase the quality of air within the room. Use more Indoor plants Plants and trees are a great source of Oxygen. Use indoor plants to maintain the good quality of air. Use Ginger more often The benefits of consuming Ginger is well known to all. Eat Ginger to stay fit, putting pieces of it in tea and other food dished is an excellent way to consume it daily. A clean house is great for a healthy lifestyle Make sure that you clean your house at regular intervals to stay away from any illness. Use pollution mask quite often Putting on an anti-pollution mas...

The Indian Railway Catering and Tourism Corporation (IRCTC) offers a travel insurance scheme to local train commuters in Mumbai. Through this insurance scheme, you can attain up to INR 1 lakh of insurance cover for just INR 410 per annum. All you need to do is apply for the Mumbai local train insurance policy by filling up the online application form and making an online payment. Why avail the insurance scheme for Mumbai local commuters? Here are some important reasons why you must avail this insurance cover: 1. Risky security measures You must be aware that Mumbai’s local railway system does not have proper security measures for the local commuters and it can be really harmful. There are no scanning gates or check posts for travellers. So, with the insurance cover, you can avail medical cover in case of any susceptible to injury while travelling through local trains. 2. Overcrowding Overcrowding is another risky situation in the Mumbai local trains. Due to the u...

If you own a vehicle, you need third party car insurance. It is mandatory as the law in India stipulate it. This insurance gives you peace of mind knowing that your policy will cover a pedestrian, passengers of another vehicle and property damage should your vehicle be involved in an accident. However, if you are looking to cover your property and life, you should opt for comprehensive car insurance. This insurance policy also covers third-party. Here are a few things that you should know about your car insurance: If you do not make any claim in a year, you will be eligible for No Claim Bonus. The bonus keeps increasing for each year that you do not make a claim. You can use the bonus to get a discount on your car insurance premium. There is a maximum limit to No Claim Bonus. It cannot exceed 50% of the premium amount. Did you know that it is possible to transfer the No Claim Bonus and other insurance benefits from one insurance provider to another, one car to another car a...

Traveling is crucial for busting stress, and you might invest your yearlong savings in it. But have you ever wondered what will happen if you experience any losses while traveling? Domestic travel insurance can cover you with the expenses incurred from such losses.  Benefits covered under the policy A reputable insurance provider gives you the following benefits: Immediate travel expense of up to Rs.50000. Financial assistance of about Rs.1 lakh if you Rae abroad. Avail roadside assistance if your car breaks down. Complimentary insurance cover of up to Rs.3 lakhs against losses such as cancellation of trips, home burglary, and loss of baggage. Blocks all the lost cards (like credit and debit card) if you lose them. Advantages of taking a 1-year travel safe membership  You can enjoy the benefits which are listed above with a 1-year travel safe membership at less than Rs.700. The advantages of this economic package in addition to the benefits mentioned ab...

Before you buy a motor insurance you should be well aware of the technical terms that are involved in the whole process. There are basic few things that you should remember before buying motor insurance. It includes the details of the plan, the tenure of it, the returns and the type and amount of quote involved. Certain terms to remember before you buy motor insurance: Type of the plan: It is always advisable to buy motor insurance that is a comprehensive motor insurance. Even though third party liabilities cover accidents but it is rather advisable that you buy a comprehensive motor insurance to ensure that the damage caused to your vehicle is covered as well in case of an accident. Add on features: In case of motor insurance go for policies like zero depreciation cover and the hydrostatic cover. Insured declared Value: It is the value of your insurance money and is the amount that is fixed by your motor insurance company according to the current market price. It comes to ...

The need of a life insurance is beyond words. It is a way to safeguard your family or loved ones from the hardships faced due to a financial crisis. To gain the best term insurance plan for you, there are a lot of factors to be weighted out and things to consider. It is and should be the priority of each individual. Research, comparison and observation are the keys to finding the right one for you.  It is essential to put in correct details when filling in an application for an insurance. Concealment of any major medical conditions or lifestyle habits may lead to the cancellation of your form.  To buy the best term insurance plan for you, think about the life stage you are in and the number of members in your family when determining the cover amount. Do not only look at the price alone and pay attention to the amount your family might have a comfortable lifestyle in. Insist on various medical tests to stay safe of any disputes later on. Make sure the cover ...