What is Third Party Insurance? Why Should You Buy it?
Buying third party insurance is a necessity rather than just a matter of choice. It is made mandatory by law under Motor Vehicle Insurance Act, 1988. It is also known as act only or liability protection cover as it protects the third party against any damage, injury or death in collision. This type does not cover any damage sustained by the vehicle of policy holder or his bodily injuries etc.
What is Third-party Insurance?
Third party insurance or act only or liability insurance is a statutory need under Motor Vehicle Act. It is known as ‘Third party’ cover since the beneficiary of the policy is neither the insurer (the insurance company from which you buy the insurance) nor the insured (the policy holder). Yes! This insurance policy does not have any benefit to the insured but it covers all the financial and legal liability for death and disability of the third party.
Description:
Owing to its mandatory nature, it is an obligation for all non-life insurance companies to provide this cover. In India, it is an obligation for all the automobile dealers to provide this insurance to the customers along with the registration of their vehicle. The comprehensive cover is an add-on to the mandatory 3rd party liability cover that protects the car owner from the financial losses caused due to the damage or theft of the vehicle.
3rd party cover is the stand alone insurance cover which costs nothing in comparison to the comprehensive insurance policy. In the comprehensive insurance policy the damage claim is more frequent hence it costs several times. Till now the premium rate for the third party liability cover used to be calculated on the basis of scheduled rates provided by the Tariff Advisory Committee which is an arm of IRDA (an insurance regulator). But, now the insurance regulator has done away with the motor tariff and the compensation given to the victim depends largely on his earning capacity.
Why Should You Buy This Insurance Policy?
This is a mandatory requirement for all the vehicle owners of the country as it safeguards and protects the owners from road accidents and other such perils linked with the accidents. Bike collision can mean that you may have to shell out a fortune for the treatment of the third party or in case if it sues you, you will need to run from pillar to post. If you are insured, your insurance company bears all the expenses and takes care of your legal liabilities.
Having third party insurance is mandatory by law and hence it is not the matter of choice. However, you need to that this insurance policy is not valid if collision occurs outside the geographical limits as mentioned in the policy document. There are certain other conditions under which policy is not valid like if you are driving without license or in the intoxicated state or if your vehicle is being driven by some other person at the time of accident.
DHFL Insurance – A digital transformation on the cards
DHFL Insurance is not a new name as far as the insurance sector is concerned. They have their unique products servicing a sizeable chunk of the market. In their quest for improving customer service, they are launching their digital presence in April 2018. This digital transformation was always on the cards for a long time. The time has now come where DHFL Insurance will initiate this digital launch with their product, Third Party Insurance for cars and bikes.
When you speak of vehicle insurance, the only insurance policy that comes to mind is the comprehensive motor insurance policy. Of course, this policy has an embedded third-party insurance clause. You have other features and add-on covers like Zero Depreciation, Road-side Assistance and so on. As the name suggests, this is a comprehensive insurance policy in all ways. On the other hand, a TP Insurance policy is a simple policy having a very simple agenda. This policy does not complicate things too much.
To put things in proper perspective, the third-party insurance cover takes care of damages caused to third party individuals and their properties. It does not cover the cost of damages to your vehicle. However, the addition of a Personal Accident cover can provide relief to the owner of the vehicle as it covers the compensation payable because of death/disability of the owner/driver of the vehicle. DHFL Insurance believes in spreading this awareness among people.
One of the greatest benefits of having a third-party insurance policy is that it is the cheapest form of insurance. Buying a third-party insurance policy is hassle-free as well. DHFL Insurance wishes to highlight these advantages when they launch their Third Liability Insurance. Available for both cars and bikes, the greatest advantage of having TP insurance online is that you can buy from anywhere and at any time. DHFL Insurance endeavours to make this policy available digitally all over India. The issuance of the TP insurance online obviates the need for carrying physical copies of the insurance policy on your person. Scanning a simple QR code can enable the enforcement authorities to verify their genuineness.
In line with its traditions, DHFL Insurance aims to keep it simple by using special algorithms for understanding the pulse of the customer. In doing so, they will be able to provide the customer what he needs rather than what he wants. DHFL Insurance has only one ambition and that is the customer should have it easy. The digital launch is a monumental step in that direction. Buying and renewing your policies becomes easy. At the same time, lodging your claims is easy when you do it online.
The digital incarnation of DHFL Insurance ensures the highest degree of satisfaction to the customers because they will be able to interact with the company directly instead of routing their requirements through agents and brokers. This is a convenience factor that saves a lot of time and money for the customer. It is therefore in your best interests to join DHFL Insurance in this digital transformation campaign.
Reasons For Muscle Builders To Incorporate More Fish In Their Diets
You may believe that it takes years of hard gym hours to get muscles. The good news is that weight training is not only concerned with physical exercise. It’s about knowing how the muscles work and how to build them so you can select smart techniques to get the body you want in a quick amount of time. These tips will help you learn how to gain muscle for skinny guys at home
Neither speed NOR weight is more important than technique! Regardless of the exercise performed, the repetitions should be slower while you focus on the technique. You are sure to get better results using this approach as opposed to churning out an equal number of repetitions quickly. Go slowly and make sure you use correct form.
TIP! Three exercises you should do on a regular basis are bench presses, squats, and dead lifts. All of these exercises are considered staples in the bodybuilding community because they have proven themselves effective.
Your top three exercises will be a squat, deadlift and bench press. Those three make up the foundation of any good exercise routine. These exercises are proven to increase bulk, build strength, and increase overall conditioning. Try to work these crucial exercises into your workout routine.
Remember the “big three,” and include these exercises in your routine. These body-building exercises include dead-lifts, bench presses and squats. These will not only add some bulk to your body, but they will also help to condition you as well as improve your strength. It’s important to tailor your exercises to include variations of these regularly.
When working to build muscle, make sure you are consuming plenty of protein. Protein is a basic ingredient from which muscles are constructed. If your body isn’t properly fueled with protein, then you can’t build muscle mass. Try to eat healthy, lean proteins in two of the three major meals and one or two of your snacks every day.
TIP! The “big three” should form the core of your exercise routine. Bench presses, squats and dead lifts help build bulk.
Rewards for setting and achieving short-term goals are a great way to maintain your focus and motivation. You will need motivation in order to be able to keep going with this because it takes time. You might also choose rewards that will further your muscle-building efforts. For instance, you may get a massage since they can boost your blood flow and further your recovery on days off.
Consider all the potential problems of the long-term use of creatine in your muscle building regimen. If you have any kidney conditions, do NOT use creatine! Creatine can also lead to heart arrhythmia, cramps or muscle compartment syndrome. Adolescents face a higher risk of these complications. These supplements should only be taken in the correct manner.
You need to watch your diet, especially on those days that you intend to work out. Eat more calories an hour before your workout. This doesn’t mean you should overeat on workout days; you should, however, eat more on days that you work out than on days that you don’t.
TIP! Mix up your routine. If you aren’t excited by your routine, then you will be more reluctant to work out.
If you want to make sure that you have the very best muscle growth you can, it is vital you perform compound exercises. These moves incorporate many muscle groups at once, so they are efficient and effective. For example, bench presses exercise your triceps, chest and shoulders all at once.
Muscle Mass
Protein is a necessity for adding muscle mass to your body. One of the essential building blocks of new muscle mass is protein, so consuming too little might actually degrade your existing tissue. This is the opposite of what you are trying to achieve. A good benchmark is to eat a gram of protein daily for each pound of your body weight.
TIP! Include an effective number of repetitions in your training session sets. You should include a minimum of 15 lifts with breaks that are no longer than one minute.
Hydration is a vital component in muscle building. If you are not properly hydrating yourself, then your muscles will experience fatigue easier and you just might face injury. Muscles which lack hydration will also appear smaller, will make it less likely to build mass, and keep you from your goals.
Set limits, but don’t end a workout until you’ve used every resource. When doing your sets, keep going until you literally cannot go any further. If you have to, shorten you sets when you start to become tired.
Having a strict schedule for your workouts will prevent injuries and help you gain muscle. Individuals who are just starting out with building muscle should curtail their tough workout to just two times a week, while someone with more experience should workout roughly three times each week.
TIP! Try to look bigger than you really are. Increase the size of the muscles around your chest and legs.
You might have had the willingness towards working hard when it comes to building muscles prior to reading this article. With any luck, you are now also equipped with some insight as to how you can do so effectively and rapidly. Use the tips you just read to help you reach your muscle-building goals
Homemade Beauty Tips for Glowing Skin
There are thousands of ladies all around that are concerned about their skin issues. A glow on the face is the wish of everyone, but not all are blessed with beautiful skin. However, with the help of certain homemade beauty tips and tricks, blemishes on the face can be done away with. The beauty of your skin is robbed by tons of external factors: stress, direct exposure to the sun and pollutants are the major causes. Let us have a quick look at the best things you can do to enhance your beauty naturally.
Goodness of Almonds:
Being rich in proteins, Omega-3 fatty acids, antioxidants and Vitamin E, almonds are no lesser than a boon for your skin. These can be used to bring a natural glow on the face. A regular application of the almond +milk face pack improves skin tone.
How to Prepare Almond Face Mask?
Soak 4-5 almonds in milk for a day and then mash them to a smooth paste. Add raw milk to enhance the texture of this mixture. Apply thoroughly over face and neck. Leave it for 15-20 minutes. Wash off when dried.
Banana Face Mask:
Banana is a natural skin whitener. Being rich in Vitamin C, E and potassium, it can prove to be highly beneficial for your skin. It has anti-aging effects, and keep your skin well nourished.
How to Prepare Banana Face Mask?
To prepare banana face mask, you need half banana and mash it thoroughly. Now, add 1 egg white and 1 tbsp of curd in this mixture. You can also mix a tbsp of honey in place of egg white or curd. Applying this mixture at least twice a week will give you naturally glowing skin in a couple of weeks.
Aloe-Vera Face Mask:
Aloe-Vera contains as many as 75 potentially active constitutes that benefit your skin. Being rich in antioxidants, beta carotene, Vitamin E and Vitamin C, it is immensely beneficial for your skin.
How to Prepare Aloe-Vera Face Mask?
To prepare Aloe-Vera Face mask, you need to squeeze the gel out of the succulent leaves and put it in a bowl. Mix a tbsp of freshly squeezed lemon juice and stir. Mix a few drops of rose water. This face mask will heal, soothe and tone your skin.
There are tons of such homemade beauty tips for your skin and hair that can boost your naturally, effectively and safely.
The Little Black Dress: A Must Have
Vogue once described the little black dress, or the LBD as it is lovingly called, as, “Minimal, versatile, affordable and elegant: the Little Black Dress has been a timeless staple in every woman’s wardrobe for almost a century as well as paving the way for the fashion philosophy that believes in the "less is more" motto.”
From the time it was first designed by Coco Chanel in the 1920s, this has been a wardrobe staple for women in the Western world. And now, Indian women are catching on to the allure of the LBD, looking with growing frequency for this one piece dress online. However, before you start shopping, here are some thing you should know.
The LBD Suits All Body Types
The key to carrying off this outfit with style is to understand how to choose a one piece dress online that complements your body type. The best part about the outfit being black is that it helps give a sleeker look to heavier built women, while adding height to petite ones. All you need after that is some red hot lipstick and you are all set to turn heads! Here’s a guide at choosing the right sized LBD:
- If your shoulders are narrower than your hips, you need a trapeze dress similar to the cut that was popular in the 1960s. During this period, Mary Quant was a great proponent of the “experiment-for-uniqueness,” which became quite popular during the era. Avoid a straight cut dress that could accentuate the hips.
- For those with broad shoulders and narrower hips, choose an open collar LBD, since it would put better focus on your neckline. You can go all out with different types of necklines, as long as they aren’t close collared. Consider accessorising with long, thin necklaces and chains.
- When the hips and shoulders are of almost the same dimensions, a straight cut would be a good option while shopping for a one piece dress online. If you wish to highlight your smaller waist, consider adding a bright coloured, broad belt.
- For women who have a heavier bustline, choose an LBD with a square neck. This will draw attention to your waist and make it seem smaller. This is not the best body type for off shoulder or strapless dresses.
While shorter women could choose a set of stilettos, maybe in red or any other bright colour, to add height, women blessed with long legs could opt for shorter dresses.
Accessorising the LBD
Given that this is the quintessential all-black outfit, you can dress it up or down with just the right accessories. In fact, you could buy your accessories while you are shopping for this one piece dress online to make sure you are all set to wear the outfit as soon as it arrives.
The important thing to remember here is that if the dress itself has some bling, in the form of sequins or lace, you could tone down the accessories and just carry a contrasting handbag for a burst of colour. The other option could be to stick to one statement piece, such as a necklace or a pair of earrings.
One very important aspect of carrying off the LBD just right is to pair it with the right shoes. Again, a burst of colour here would be a great idea. However, make sure that you match the colours on your shoes, handbag and jewellery or you might just end up looking like a rainbow gone bad!
How to Shop Online the Smart Way
Online shoppers are expected to increase from 20 million in 2013 to 40 million in 2016, as an additional 200 million Indians will access the Internet in the next three years, with majority of them coming online through smartphones, indicates a new joint study by Assocham and Grant Thornton, says an article published in Gadgets 360Degree in August 2015. With the rise in online shoppers it becomes difficult to get hold of an item that you have been eying for months as it may run out of stock when you finally decide to purchase it.
Tips and Tricks
Online shopping has it own set of advantages over offline but you might not be able to make the most of it if you do not shop the smart way. Here are some simple tricks that can help to get the most profitable deal on online shopping sites in India
- Shop on Weekends – Most online shopping sites in India offer heavy discounts on weekends to attract office goers. Make the most of it.
- Avail Discount Coupons – Also websites offer discounts as well as various offers such as buy one, get one free. Explore the website and look for discounted products.
- Go through the Entire Range of the Product – Do not decide to buy a product by just looking at few items. Customize your search. Look under a big range of price to decide what is the most suitable according to your requirement.
- Club Orders to Get Free of Shipping Cost – If you plan to buy two or three item then it is advisable to club items as you are exempted from shipping charges once you surpass a certain price value.
- Secured Payment Gateway – If you are paying through net banking or your credit card/ debit card, then make sure that the website offers a secured payment gateway. You can check this by selecting any item and proceed to pay. If a site has a secured payment gateway then the URL begins with https://… rather than http://.
- Cash on Delivery – If you apprehensive about paying through credit card/debit card or net banking that requires your banking details then you can opt for the Cash on Delivery option. Most online shopping sites in India offer COD.
2015 Laptop Buying Guide
Before smart phones took everyone by storm, the market trend for consumer electronics was dominated by computers and laptops. In mid 2013, the Indian PC market saw a growth of 7.9% to reach 3.24 million units driven by large government orders and increased number of sales. This is as per the report published by Live Mint. While in 2015 the demand for laptops has clearly been overshadowed by smartphones, there is no denying that laptops continue to remain an integral part of consumer electronics for homes and offices. If you are planning to buy a laptop in 2015, here is a guide to aid you in deciding.
Size and Weight
First you must decide whether you need an ultra thin laptop, or a studier model. Most thin products are great for portable usage but may often lack a few essential functions. On the other hand, proper desktop replacement laptops have equivalent power to your home PC, but may be bulky and difficult to carry around. You will require a portable laptop table to comfortably use this alternative.
The CPU
In 2015 it is essential that you do not settle for anything less than a quad core processor, since older technology is already getting obsolete fast. If you require extensive multitasking on your system, then it is a great idea to settle for an octa-core processor. This processor will aid both high end gaming and essential business tasks. Keep in mind that the more powerful and faster the processor, the faster will be battery drain on your system.
The Memory
The RAM of laptops will define the responsiveness, speed and memory storage capacity of your device. Products with lower RAM aren't able to handle several applications at a single time and may cause the system to react slowly or freeze altogether. In 2015, the least amount of memory to settle on is 4GB. The ideal memory you need to look for is 8GB or higher to not only keep the performance of your system zippy, but also to ensure that it lasts for a longer time. However higher RAM can account for faster heating of a device. To keep it cool ensure you keep your product in a cool, air conditioned room, free of dust on the laptop table. If you prefer to use your device lying down rather than on a desk, get a laptop table for bed to comfortably use this device.
The Warranty Plan
Do not ignore the warranty coverage of your device. Most products including budget devices from reputed companies will come with at least a single year's warranty. The higher the prices go, the warranty coverage also increases. Certain companies even offer 3 to 5 years of manufacturer warranty. It is always a better idea to go for comprehensive coverage since your product is prone to several breakdowns if you are a heavy user. Also buy a laptop table online, and make sure to use it exclusively for your device rather than for food and beverages, since they can be hazardous to its health.
Display and Resolution
Budget devices will come with traditional LCD or LED screens that can handle most tasks done by the average user. However if you wish to stream in high definition, then the display and resolution per pixel density will need to be accounted for. If you are on a limited budget a HD display will suit you well since it can play good quality videos, aid basic gaming and may even support external peripherals. For high end gaming, and to support VR technology and 3D integration, you will require at least a FHD display that is 1080 in pixel density.
Apart from the above you need to take into consideration your networking requirement, the proximity sensors you require and a few other social features.
