• Auto

    Ride Safe with Two Wheeler Insurance from ICICI Lombard

    Most two wheeler accidents are likely to result in death or some serious injury. It’s a shocker, but almost 28 two wheeler riders died daily on the Indian roads in the year 2016 and most of them for not wearing helmets. States like Uttar Pradesh, followed by Tamil Nadu and Maharashtra were found leading in this area. Off late, we have seen a lot of awareness campaigns on riding two wheelers safety. A Blogger named Helmet Girl Bandra, has created waves with her antics, wearing a helmet everywhere she goes, but for a cause – road safety. However, on the Insurance front, we have ICICI Lombard driving the charge. Along with safety, the only element that will save you from financial loss in case of an uncertain eventuality is the two wheeler insurance policy. Read on to know more.

    Features offered by ICICI Lombard Comprehensive Two Wheeler Insurance

    • Convenience of opting for Long Term Two Wheeler Insurance

    It becomes extremely difficult to remember insurance policy renewal date in our day-to-day life. However, the ICICI Lombard two wheeler insurance comes to rescue as it offers long term tenure insurance of 1, 2 or 3 years.

    • The ICICI Lombard Two Wheeler renewal is like a breeze

    ICICI Lombard states that their renewal process is one of the easiest and one can renew their two wheeler insurance in no time. Also, the expired policies does not require inspection. This, in turn, provides comfort to the bike owners especially to the ones who are hesitant to renew their two wheelers post-expiry.

    • Protects yourself and co-passengers

    With ICICI Lombard comprehensive two wheeler insurance, you get an inbuilt personal accident cover that will compensate in case of accidental death and bodily injuries to the owner and rider. In addition to this, it also offers an add-on passenger cover to secure your near and dear ones.

    • Additional add-on features can enhance your two wheeler coverage
      With the availability of latest technology, there is a wide range of two wheeler accessories available in the market. Both electrical and non-electrical accessories can burn a hole in your pocket. Therefore, with an add-on features like accessories cover, you can cover protect your expensive accessories.
    • You are ought to get a protection shield

    You can count on the list of network garages provided by ICICI Lombard. Their 2500 + network is extensive as compared to other two wheeler insurance companies. To top it, one can locate a nearby network garage irrespective of the place where the accident happens.

    Properties of an Ideal Insurance Policy

    There are two types of two wheeler plans available in the market i.e. Comprehensive/Package two wheeler insurance and Third party Liability Insurance. The Comprehensive two wheeler insurance will protect you against own damage as well as third party liability. And the Third Party Liability policy will protect you against third party damage only. Therefore, it is highly recommended that one opts for a Comprehensive plan. It offers the following features, which is generally expected from an ideal two wheeler insurance.

    • Protection against man-made and natural calamities

    This by default is a coverage offered by two wheeler comprehensive policies across all the insurance companies. It covers man-made calamities like theft, strike, riot, malicious acts etc. Natural calamities like fire, earthquake, lightning, flood, rockslide etc. are covered.

    • Personal Accident Cover

    The personal accident cover is an inbuilt feature of a comprehensive policy and is offered by most of the insurance companies. This cover will provide coverage of up to Rs. 1 lakh for an individual driver and/or owner of the bike.

    • Third Party Liability Cover

    The third party liability cover will provide coverage in case your two wheeler hits another vehicle and causes death/injury to the third party owner. Apart from that, it also covers third party property damage caused by your vehicle due to accident. Also, the third party liability policy is mandated by the Indian Motor Vehicles Act, 1988 for vehicles plying on the Indian roads.

    • Add-on covers

    To enhance your two wheeler insurance cover, it is essential to opt for add-on covers. But, one should choose these covers wisely. Not all add-ons covers will benefit you and moreover, you may end up paying a huge amount for your two wheeler insurance.

    • Peace of mind

    You are bound to state of tranquility when you know that you are financially protected against the bike accidental damage repair costs.

    Disadvantages of Not Having an Insurance Cover

    You must be prepared to face repercussions in case you do not have a two wheeler insurance policy like:

    • Penalty – As per the Indian Motor Vehicle Act, 1988 if you do not have an insurance policy you will incur a very heavy fine or face imprisonment of up to three months.
    • Legal Liabilities – Since you are not protected, any damage due to man-made and natural calamities will be single-handedly borne by you. And in case of an accident where the matter is of life and death of the third party you could also be blamed for not having your two-wheeler insurance policy. At times you may also end up paying compensation to the family of the deceased.
  • Business

    Why are the Third Party Verification Services good for your Business?

    In the world of contrastive business dimensions, the need to verify is a must. Every organization revolves around the aspects that are bound to be identified or cross-checked for a smoother flow of the business. The third party verification plays a vital role in all kinds of the business prospects. However, the third party verification is mandated by the law to be implemented in the business, especially in the telemarketing companies.

    The companies that provide the products/services overseas or at comparative long distance services that are mostly the telemarketing or energy-related businesses. If TPV is not implemented properly, then the organization might face substantial charges as per the rules and regulations of the country.

    To avoid cramming

    Has it ever occurred to you that you received the telephone bill worth more than what you actually used? Surprisingly, the cramming is a very common practice in which the telecom operator unlawfully increases the amount of the bill that the user is liable to pay. And the fraud doesn’t end here. Sometimes the operators also switch the services or plans being used by the customer.

    Hence, the government directed the industries, especially the telemarketing, retail energy, and financing ones, to lawfully implement a reliable TPV service with the company in order to ensure the trueness and authenticity of every consumer-related process.

    How does TPV help the companies?

    The third party verification services help the businesses to fight against the baseless allegations made by the customers, if any, by presenting the facts and data as a proof. Since TPV ensures that every single process whether it is the changing to telecom plans or delivery of a product is done prior the confirmation of the customer itself.

    The third party verification service providers also let the customers get the hang of the services they agree their mind upon to use or are already using. For example, there are millions of customers who order something that is to be delivered overseas by the telemarketing company.

    In that case, the ideal third party verification services would make the customers understand, in the easiest way possible, the terms and conditions and the contract that they will be voluntarily bound to if they use a specific kind of service.

    This way, both the company’s reputation, as well as the customer’s engagement towards the company’s services, remains intact. To prevent the customers from getting into any misleading, misguiding, or miscommunicated process, the third party verification is mandatory.

    Conclusion

    In the today’s world, most of the companies deliberately get engaged in something that is unfair to the customers but most importantly to the company’s rules and regulations. However, these complications could be easily avoided if a company integrates its services with a reliable third party verification service. If the customers would trust the brand and its honest service, then only the company’s sales, as well as customer’s loyalty, will increase in an effective manner.

  • Business

    Everything you need to know about packing and moving and tricks to get it right

    When to hire packers and movers?

    You should hire packers and movers for packing and moving of multiple items. Let’s say you are you are staying in a rented apartment and you have purchased a new flat which is ready for possession, then you should approach a packers and movers company for packing and moving of all of your household goods.

    This is known as local shifting and packers and movers would be happy to assist you. Right from cleaning to dismantling, loading, unloading, packing, transporting, and re-arranging.  Movers and Packers in Kolkata can take care of everything required to get your goods moved safely.

    Similarly, if there are few items that you don’t want to move or don’t think you need them in your new home, you can store such items in a warehousing facility. Some time people leave behind old furniture so that they can give it to a relative or for other purposes. Movers and packers offer storage service that you can avail for storage of household goods and articles.

    packers and movers in Kolkata

    Or let’s say you are working with a large corporate house or a bank and you have been transferred from Kolkata to Bangalore, then you can approach professional packers and movers in Kolkata to assist you with the shifting of all of the essential household materials such as

    • Cot, Mattress, and Bed
    • Television, Fridge, Washing Machine
    • Water filter and other kitchen utensils etc
    • Dining table, pc table, cupboard, sofa set

    Packers and movers companies will pack everything at your home and get it transported to the destination. They will deliver your goods at the destination and also help you with unpacking and re-arranging of goods. So that’s how they add value. End to end packing and shifting services which are comparatively safer and cost-effective.

    Now when you know when to hire packers and movers companies, you should know the right ways to find and hire packers and movers.

    Here’s how to hire packers and mover the right way

    As said earlier, packers and movers companies are widely available across all of the major cities and districts in India. The biggest challenge lies in finding the skilled and well-placed service provider who has the expertise and who can offer service at competitive price. I mean you would love to avail the packing and shifting services from a mover who is affordable and who can get it done the right way. After all, you are hiring a pro because your trust they have the expertise to handle it all safely.

    So here’s how to go about it.

    1. Talk to multiple movers and packers companies so that you understand the process well.
    2. Make a detailed and elaborated list of goods that are to be packed, moved or stored.
    3. Invite them to look at the goods physically so that they get a better understanding of the task and you get to meet them face to face and ask them questions.
    4. Check their credentials and compare prices from all of the movers and packers companies.
    5. Negotiate with them and work out a payment term and schedule the dates for packing and moving.

    Now you how it is done. We have made it a lot easier for you.