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All You Need to Know About Two-Wheeler Insurance and What it Does

You cannot ride a two-wheeler without an insurance policy in India. Here’s looking at what the policy entails and covers.
By a staff writer | editor@themetrognome.in

If you own a bike in India, you cannot use it without having valid two wheeler insurance. And if you’re caught riding without two-wheeler insurance, you will attract substantial financial and legal penalties. As most Indians commute on busy and chaotic roads, the need to have bike insurance becomes all the more important.

As unfortunate road accidents are on the rise, many riders have been subjected to enormous financial obligations to the road accident victims, but luckily their insurance covered the expenses. Not investing in comprehensive two-wheeler insurance can prove to be a grave money mistake in the long run.

What is Two-Wheeler Insurance?

A two-wheeler insurance policy covers bike owners against potential financial losses due to accidents, natural calamities, and man-made disasters. It can also save you against financial claims made by a victim after a road accident.

Just like you plan and work on your financial health in advance to safeguard your senior years, you should also plan to protect your finances arising out of potential road accidents. If you are yet to get two-wheeler insurance for a bike, you’ll get to choose one between the two types of two-wheeler insurance discussed below:

  • Comprehensive Bike Insurance

Riders looking for complete protection should go ahead with this bike insurance. As the name suggests, comprehensive insurance offers full or comprehensive coverage to the vehicle.

Whether your two-wheeler met an accident, got stolen, was damaged due to man-made disasters like riots, or got damaged due to natural calamities, like flood or fire, your insurance provider will cover against financial losses arising from any of these instances.

Just like you invest in relationships to keep things going, you need comprehensive two-wheeler insurance to keep things going smoothly on the road.

  • Third-Party Insurance

Two-wheeler third-party insurance or limited liability insurance covers the insured against third-party liabilities developed due to a road accident. Even if your bike accidentally hit a person or damaged his vehicle, you can be sued for the damages caused.

If you have valid third-party insurance in place, you will be saved from huge financial strains, as the insurance company will pay off the expenses.

In the past, many people have been an eyewitness to road accidents, and things can take an ugly turn if the rider responsible for accident refuses to pay for the damages caused to the victim. If you want to keep your finances unaffected by third-party claims, go ahead with two-wheeler third-party insurance.

Benefits of Two-Wheeler Insurance

Whether you invest in comprehensive insurance or two-wheeler third-party insurance, both can save you from financial losses arising out of a potential road accident.

Though the two differ in terms of coverage, riders do get general benefits from both. If you don’t have two-wheeler insurance yet, you’re missing on the following benefits:

1 Cashless Repair at Network Garages

With so many known insurance providers in the market, it is not difficult to find bike insurance that offers cashless repair benefits at network garages. In case your two-wheeler got damaged due to accident, man-made disaster, or natural calamities; and it resulted in heavy repair expenses, you can get your vehicle repaired at zero or minimal out-of-pocket expenses (subject to exceptions) by taking your two-wheeler at a network garage.

2 Safety Against Third Party Obligations

Whether you’re living in one of India’s best cities or towns, the chances of road accidents cannot be overlooked. The road conditions at some places make you more vulnerable while riding, resulting in road accidents. If you end up damaging a person’s property or endangering his life, you will be liable to pay compensation for the same. Having insurance with maximum coverage can save you from such conditions.

3 Coverage for Own Damage

If you have to ride daily through narrow yet crowded lanes that make you prone to accidents, it is best to get yourself insured. Even if a minor accident can damage your vehicle and you may be subjected to physical damage too. Having insurance with the right coverage will pay for your bike repair expenses and your medical bills, saving you from significant out-of-pocket expenses which you wouldn’t be prepared for.

When you’re getting peace of mind and a worry-free riding experience against some premium, it is the best deal anyone can ask for.

(Featured image courtesy https://indiacsr.in/what-should-you-check-in-your-two-wheeler-insurance-policy/)

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Trends

Seven Best Indian Cities to Live in 2021

If you’re planning a move to kickstart your higher studies or career in 2021, you must check our list first.
by Team Metrognome | editor@themetrognome.in

Whether you’re looking for cultural diversity, delectable cuisines, beautiful heritage sights or festivities and fun, India is the place for you. With its potpourri of people, life in the country can be colourful, vibrant, even stressful but never boring. Across its 29 states are some of the best cities in the world to live and work in. With robust infrastructure, world-class amenities, and sustainable development efforts, these mega-cities have become economic growth centres, offering some of the best employment opportunities and residence facilities in India. So, if you’re planning a cross-country move to kickstart your higher studies or career in 2021, look no further than our list. Counting backward, here are the 7 best cities to live in India:

7: Hyderabad

We love travelling to Hyderabad to gaze at its magnificent monuments and get a taste of the famous Biryani. But the city is also a great place to take up permanent residence. A densely populated metropolis with people bustling in and out of cafes, offices, and even temples, Hyderabad is fast turning into the New York of South India. The city has built its credentials as an IT hub. It also boasts top-class infrastructure for commerce, residence, education, transportation and more. Ever heard of a place where the residential and business areas are evenly distributed across the city to provide a hassle-free life with less congestion and traffic? That’s Hyderabad for you – a thoughtfully-planned place to live and work.

6: Kolkata

The ‘City of Joy’, Kolkata is a city that brings the British Raj alive with its Victorian-style architecture, trams and rich cultural heritage. If you’re planning to settle somewhere cost-effective or prioritise a modest lifestyle, let Kolkata be your choice. You will be astonished to see the historical monuments, lavish food, unique culture and amazing people. In this city, everything is available at a reasonable price – from garments to transportation, accommodation to food. If you’re an art lover or a history buff, this is the place for you. So, if you’re planning to have a refreshing life, head to Kolkata.

5: Chennai

The fourth-largest city in India, Chennai is home to many temples, churches and beaches. The roads are always bustling with activity, and the city’s nightlife is what most of us dream of – exciting, accessible yet comfortable. The city was also recognised as the 9th best cosmopolitan city in the world by Lonely Planet. Although Chennai is a humid city and the weather can be a bummer, one can always head out to its popular beaches and explore the coastline for some respite at the end of a hard-working day. With a robust business landscape (did you know the city is home to 1/3rd of India’s automobile manufacturing plants?), Chennai is making its mark as one of the best cities to live and work in India.

4: Pune

With top-notch educational and IT facilities, Pune is usually the youngster’s pick for where to live in India. The city has a variety of excellent restaurants, historical sites and funky nightlife spots where you can often find its denizens living the good life. Even the weather here is enviable – with summer temperatures that stay below 35°C (not too hot, when compared to Mumbai and Delhi) and the perfect amount of drizzle and rain, all year-long. Wherever you may go and live, Pune is likely to be the most nostalgic place for you.

3: New Delhi

From historical monuments to crowded shopping malls, from Mughal gardens to the Delhi University campus, the capital city has multiple facets to explore. And it’s these different shades that make New Delhi one of the best places to live and work in India. Although it can seem quite crowded, you don’t want to miss out on its world-class edifices and mouth-watering traditional Indian street food. This is one addictively sociable, dynamic and vivacious city that will absorb you into its layers and never really let you go. Also, for the record, Delhi has the second most efficient and accessible metro service in the world. Now if that doesn’t get you everywhere conveniently, what can?

2: Mumbai

We already know Mumbai as the ‘Land of Bollywood’ and the ‘Financial Capital of India’, so it’s hardly a surprise that the city is one of the best places to live in India. Despite the relatively high cost of living, slums and heavy traffic, the citizens of Mumbai enjoy some of the country’s best educational institutes, healthcare facilities and business opportunities. Its fun shopping and hangout spots, lively beaches and exciting nightlife draw thousands of people to its shores every year.

1: Bangalore

The dream city for most Indians, Bangalore will never cease to mesmerise you. Considered one of the best places to work, the city is home to many of the country’s leading IT companies and start-ups. Great entertainment and shopping options, an eclectic art and culture scene, delectable cuisine options and pleasant weather – Bangalore really has it all. As a metropolis, the cost of living in Bangalore can be higher when compared to other popular southern Indian cities like Chennai or Hyderabad, especially if you’re looking at traditional housing options. But as India’s own Silicon Valley, it’s one of the most sought-after cities in the country. So even the cost of living in Bangalore can be evened out when you consider professionally managed operators like Stanza Living who offer accommodation coupled with the best amenities (delicious meals, high-speed Wi-Fi, laundry, housekeeping, maintenance and 24/7 security) at the most reasonable rates, making Bangalore accessible to a variety of budgets.

There you have it. Attracting thousands of young migrants each year, these seven Indian cities are ideal for young students and professionals looking to learn, grow and develop into ambitious and enterprising individuals with aspirations to change the world. All these cities offer great opportunities and could give you the big break you’ve been waiting for. So, update your resumes and pack your bags. It’s time for new and exciting beginnings in some of the best cities of India.

(Picture courtesy img.traveltriangle.com/blog/wp-content/uploads/2017/12/shutterstock_702408349.jpg)

Categories
Tips

Painting your house? Check out these finishes

The right paint finish on the wall is as important as the right paint colour. Read on to know more.
by Team Metrognome | editor@themetrognome.in

When you consider painting your house, paint color shouldn’t be the only focus point. Choosing the right paint finish is as important as selecting the right paint color for your space. If you ask painters in Pune, you will get to know that there are various paint finishes, each having its unique characteristics. To save your time, we’ve compiled an epic guide that will give you all the necessary information around paint finishes. So go ahead and go through the different paint finishes covered one-by-one below.

Flat Finish

A flat or matte finish offers a non-reflective, smooth appearance. Having more pigment, a flat finish soaks up light and perfectly hides any visible scratches or bumps. If you’re painting a space having lots of light, a matte finish would be ideal. The only downside of the flat finish is that it’s hard to clean. But if the paint is from a well-established brand, you won’t have to put in a lot of effort to clean the painted wall. While cleaning, always remember to use a damp sponge and not any cleanser.

Eggshell Finish

Slightly velvety in appearance, an eggshell finish is known for its soft and low sheen. An eggshell finish is among the few paint finishes that blend perfectly well in any space. Be it a bedroom, study room, living room, or kitchen, an eggshell finish will be perfect for all. It is a very popular finish that is not shiny, but it isn’t totally matte too. The best part of this finish is that it’s super easy to clean.

Pro Tip: No matter what finish you choose, if the walls are stained because of water leakage problems, no paint finish will last long. If your walls have a similar problem, be sure to first look for someone providing a reliable waterproofing service in Pune, and then go ahead with painting.

Satin Finish

If you’re looking for a finish that is more light-reflecting but isn’t very shiny at the same time, you’ll love the satin finish. A satin finish is often considered the most versatile one, and is ideal for both indoor and outdoor use. It is also long-lasting and relatively easy to clean. You should always choose a satin finish for humid spaces or spaces that don’t get a lot of natural light.   

Semi-Gloss Finish

Want your room to have a shiny and sleek appearance? If yes, the semi-gloss finish will help you achieve it. A semi-gloss finish is more reflective than a satin finish and has a smooth sheen. It has high moisture resistance properties and prevents the growth of mildew, mold, and the likes. The only downside is that a semi-gloss finish cannot successfully hide the blemishes on your wall or ceiling.

High-Gloss Finish

Being the most durable finish, a high-gloss finish offers the highest reflection. It is also the most durable and provides a glass-like finish. Owing to its glass-like effect, most interior designers consider it to be a specialty finish. Though it is easy to clean, this finish cannot entirely cover the wall’s imperfections or blemishes.

As every finish has its pros and cons, be sure to consider the room type you’re painting before choosing any final paint finish. If you’re still confused between the various paint finishes, it is best to consult professional designers and painters.

(Pictures courtesy https://www.houselogic.com/remodel/painting-lighting/paint-sheen-guide/, https://dubaipaintservice.files.wordpress.com/2018/08/house-painting.jpg)

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Kharcha paani

How to improve exports during COVID-19

Like every major disruption, COVID-19 is pushing the boundaries of reliance. We explain how to get your exports on track.
by Leo Shastri

The coronavirus pandemic is an unforeseen and unprecedented situation that has turned everything upside down. And like every major disruption, it is majorly pushing the boundaries of reliance.

Exporting is a vital source of economic growth for a country and small and medium enterprises account for a substantial amount of Indian exports. As the economy is slowly and steadily opening up, export companies need to start evaluating the whole scenario so that their products and services overseas grow faster and do better. Exporting in the COVID-19 era is not as difficult as you might think and there are many methods to improve and increase a business level of export sales.

It’s only the unknown that’s challenging, but you just have to go for it and do it. In any economy, new geographic markets offer businesses opportunities to create new revenue streams – and studies reveal businesses that export are more productive and employ more people. Expanding into international markets can seem daunting at this point of time so here’s a “how-to” which contains various tips and advice for reducing the risk and increasing the export opportunities.

How to improve export sales

1) Make exporting a part of your overall business strategy

Research is the key and our export strategy should be based on an assessment of your own position and research into promising opportunities. Forget the losses and start afresh. This time you need to think long term about how to reach new customers and finance your exports, as well as making sure you understand legal and tax issues.

2) Carefully assess each of the markets you are considering entering into

Expanding into new markets involves a great deal of market research in addition to targeting customers. When going into international markets, businesses need to be aware of different cultures. Clearly defining your market may seem like a simple step, but before you identify who you want to sell your product to you must understand their needs. You have to consider:

  • Demographics
  • Location
  • Common interests or needs of your target customers.
  • Market growth rates
  • Forecasted demand
  • Competitors
  • Potential barriers to entry

3) Visiting the country is a must when desk research is over

Be prepared to travel to know the scenario of the country in the post-COVID-19 era. Working with affiliates, partners, distributors, licensees or agents can help you get established in a new market. A great way to develop export sales overseas is to find partners by being there, in the marketplace and at a trade fair.

  • Talk to people buying similar products
  • Go and buy a similar product yourself
  • Go to trade fairs and seminars and talk to potential customers.
  • Learn local customs.
  • Overcoming issues such as cultural differences, language and health and safety regulations, levels of formality & business etiquette can help deliver vast improvement to your export sales.

4) Communicate with relevant shareholders

Clear, transparent and timely communications are necessary when creating a platform to reshape the business and to secure ongoing support from customers, employees, suppliers, creditors, investors and regulatory authorities.

5) Maximize the use of government support policies

There have been a plethora of policies that have been announced by the Governments in their respective countries. In China, central and local governments have released several financial, social insurance and tax-related policies to support companies. This includes the China Securities Regulatory Commission’s (CSRC) interim policy on listed companies refinancing. Recently the US, UK and many other developed nations have announced amendments to tax and financing policies.

The writer is Director – Operations & Strategy, Usha Exim Private Limited.

(Featured image courtesy fureurope.eu)

Categories
Tech

3 tips for a smooth video conference

We present 3 simple tips on acing your next video conferencing meeting – read on to know what they are.
by The Metrognome Team | editor@themetrognome.in

Technology has advanced so much in recent years that it has even made a significant impact on the way professionals operate. To a large extent, it has made things relatively easier for them; for instance, with AV equipment used in video conferencing. Apart from reducing the expenses and time required to travel for business meetings, video calling has also been said to propagate healthy relationships and communication between business partners.

Video calls with the use of AV equipment have now made it so that you can conduct your business in the privacy of your home conveniently.

Increase in efficiency and productivity can also be said to be a by-product and advantage of using AV equipment in this case. The time that would have been used to travel can be applied to doing more resourceful tasks.

Video conferencing is not foolproof, however. No matter what AV equipment used, video calls just like in face-to-face meetings can present some challenges that have to be curbed or checked to make sure the meeting runs well. Here are some tips to ensure that your video call goes smoothly.

#1 Make sure everything is in place before the video call starts

Double check and triple check your AV equipment, check the network connection, check the video conferencing software you plan on using during the meeting, test run the sound and audio prior to when the meeting starts. Check for lighting, check to make sure the conference room or wherever the meeting is holding speaks of professionalism, provide alternate measures in case something goes wrong. This would help you get adequately prepared and save a lot of time and potential embarrassment.

#2 Have an agenda or plan to follow during the meeting

A meeting done via video conferencing is not any different from face-to-face meetings and as such should not differ. You still have to plan well ahead and have an agenda that covers everything you would want to say. This would prevent awkward silences halfway through the meeting and save you the embarrassment of long pauses.

#3 Dress for the meeting

That it is a video conference doesn’t make it less of a professional meeting. Apart from making sure all the AV equipment is fully functional and are in good working condition, you also have to make sure that you and the other participants are dressed accordingly for the meeting. The impression you make during the course of the meeting is important and you should strive to make a very good one. Appear professional; be neat and coordinated.

Video calls are now the new rave; every organisation is making use of AV equipment and conducting their business via video conferencing. Making sure your workers or colleagues are well prepared for meetings and can handle the equipment in your absence would also go a long way in ensuring your video calls go smoothly. Keep the above-mentioned tips in mind and it is sure to help increase the efficiency of the conference meeting and also help to avoid any unpleasant situation.

Categories
Trends

Delhi Pollution: It’s all social media is talking about

Social media is abuzz with discussions and opinions on the New Delhi pollution issue, with Twitter chatter being the loudest.
by Meltwater India

Voted as one of the most populated cities in the world for several consecutive years, New Delhi, India’s bustling capital, is facing some serious health risks too. Due to over-population and severe pollution, the city’s atmosphere is often hazy with smoke and fog.

This month, though, the air pollution has reached a point of severity that is out of the ordinary. On Tuesday, The Indian Medical Association (IMA) declared a public health emergency. They have advised schools to be shut, and for the public to avoid walking or running outside, as the air pollution is said to be hazardous.

In November last year, one million school children were forced to stay home from school, thousands of workers reported sick and long queues formed outside shops selling face masks as the Indian capital struggled with its worst pollution level in two decades.

2017 is showing similar degrees of danger, with the Air Quality Index (AQI) sitting on an average level of 400 and reaching over 700 in the early morning and during most afternoons. To put it in perspective, anything over 100 is considered dangerous, and 500 is the maximum AQI level. This means that even healthy people are at a high risk of developing serious respiratory problems.

Meltwater, the global leader in media intelligence, took to the (virtual) streets to listen to what the public is saying on social media about the health emergency.

Mapping the chatter

In a week, since November 1, the terms “New Delhi” and “pollution” have appeared together 1,965 times on online editorial media in India alone, and has received 2, 339 mentions across social media.

92% of the mentions were from Twitter, where the sentiment was 50% negative (only 2% positive and the rest neutral). “Risk,” “dangerous” and “health” were among the most used words when discussing the New Delhi pollution problem. Some citizens spoke about having a “scratchy throat” and “sore eyes” specifically since Diwali, held this year on 19 October.

“Runners” was also a hot topic being spoken about across social media platforms with 177 mentions this week.

The India Medical Association urged the iconic New Delhi Half Marathon, due to take place on 19 November, to be called off in order to protect runners, marshals and spectators from exposure to the thin and low-quality air. With even healthy people being warned not to walk outdoors, it’s been advised that it would be too dangerous to allow the runners to over-exert themselves, and urged the race to be cancelled for the safety of all.

Today, social media is an opportunity to gauge public opinion and sentiment. Meltwater believes that companies and individuals can benefit from these insights to better understand needs, contextualise them and then to improve company strategy.

This refers to a wide range of possibilities. IMA is an example of how governments can use social insights as a guide to making more informed decisions. Event sponsorships is an example of how companies can use this data for better, more informed decisions to benefit the public.

Media intelligence lets companies, organisations or individuals use social insights to gather external data to make better internal decisions. There is an abundance of data out there, and millions of online conversations happening at any given minute. Meltwater helps you to make sense of it all.

(Picture courtesy The Weather Network)

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