What Are The Types Of Car Insurance In India?

You use a car to commute to work, go on trips with your family, do chores, and visit with friends. You keep your automobile in good condition, obey the law, and drive courteously if you’re a responsible car owner. You, therefore, want to be able to drive your car without thinking about anything. No matter how well you plan, your automobile may still run into unplanned road hazards like big or small accidents, breakdowns, tyre bursts, natural or man-made disasters, etc.

All forms of car insurance online, whether purchased online or in person, provide coverage for monetary losses brought on by tragic incidents affecting your vehicle, subject to your policy’s particular terms and conditions.

Let’s first discuss the five forms of auto insurance available in India:

  1. Third-Party Liability Only Cover

Take a look at the advantages listed below that come with this kind of auto insurance:

  • The price to fix or replace a car that a third party damaged
  • The price of hospitalisation and outside medical assistance
  • liabilities brought on by a third party’s passing
  • The Motor Vehicles Act mandates third party car insurance coverage before allowing you to drive on public roads. The sum assured must be adequate for the road conditions and sufficiently large to cover your out-of-pocket costs.
  1. Own Damage (OD) or Collision Damage (CD) Cover

The price of fixing your damaged car is covered when you pick collision damage auto insurance. The age of the vehicle and the insured declared value are factors that are taken into account when determining the collision coverage premium. The IDV is based on the market value of the vehicle. *

The IDV less accumulated depreciation establishes the maximum amount payable under the policy in the event that a claim for collision coverage insurance is lodged. You need to get collision insurance if you financed your car. *

  1. Personal Accident Insurance

When you want to protect yourself, that is, the owner-driver of the car, you choose personal accident auto insurance coverage, which pays for your medical expenses after an accident. You can add supplementary coverage to the legally needed liability car insurance online to reduce particular risks. The costs resulting from the accident will be covered by personal injury protection. Medical bills for the driver and other passengers will be covered by personal injury protection. *

  1. Vehicle insurance with zero depreciation

This kind of protection is often provided as an add-on to an automobile insurance policy in India. Imagine that you need to fix the parts since your car was damaged. The insurance will factor in the parts’ depreciated value when settling claims. You will be given the full amount of your claim with a Zero Depreciation Vehicle Insurance Policy because cost depreciation will not be taken into consideration. *

  1. Complete Auto Insurance

It covers third-party liability, harm to one’s own vehicle, personal accident coverage, and all non-collision damage like storm, flood, fire, and theft, this type of motor insurance offers the most protection. *

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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Finding Success & Innovation With Keter CEO, Alejandro Pena

Thanks to the international nature of the internet and the way that it makes it easy for brands to build popularity, there is always something new to pay attention to in the commercial space. Keter Group has existed for 75+ years as a purveyor of recyclable products built for indoor/outdoor home and garden spaces. Utilizing recyclable resin and a broad catalog of affordable products, Keter Group has reached the depths of 100 different countries, all under the leadership of CEO Alejandro Pena.

Pena was brought on board in 2017 to help the business as it expanded into international regions. With material manufacturing plants in North America, Israel, and throughout Europe, the company continues to grow even after the pandemic.

Recyclable materials may make Keter Group’s products last longer, but it isn’t the primary reason that people are purchasing from the brand. Instead, it is due to Keter’s change in approach to its clientele.

Pena says of Keter, “We see Keter becoming more of a consumer-centric company where our brands will play an even bigger role in our business model.”

Omnimarketing and Digital Evolution

Understanding the stance of the global digital economy, Alejandro Pena has worked with Pasquale Iannone (Keter’s CFO) to develop an omnichannel marketing plan that ingratiates the brand in its different regions. From visuals and messages to auditory experiences, the team of marketers at Keter can create the seamless experience that their clients are looking for. Creating a seamless marketing plan from one channel to the next makes it easier for potential Keter guests to make their purchases.

Pena says his goal is to develop Keter into a company that can serve customers wherever they are, whenever they want, in any way possible. Pena added, “This might be in a physical store, digital store, delivered, picked up – whichever way customers want to engage, we will be there.”

Growth in the Global Market

Originally developed as a family-owned brand and business in Israel, Keter brought on Alejandro Pena to help turn the business into a more international one. Since 2017, Pena has been working with Keter to better transform its branding into one that fits the global platform. Pena says of his goal, “The intent is to build a consumer-centric, branded, innovative business out of the foundational business.”

Looking at its roots, Keter has already enjoyed prosperity throughout the United Kingdom, Israel, and the United States. The goal of the company is to continue expanding so that its brand recognition can grow. Pena added in an interview, “Keter will continue to be the most innovative company in the industry.”

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What are the best time frames for options trading?

Do you have an interest in trading options? What are the best time frames for options trading? If so, look no further. In this article, we will dive into the ins and outs of options trading and help you determine which time frame is optimal for your goals.

Whether you’re just getting started or an experienced trader looking to review your strategies, understanding the basics of good timing regarding options can provide considerable benefits when planning a successful investing plan. Learn more about how different time frames influence option prices and may improve your chances of success when options trading.

What are the different types of options, and how are they priced?

When it comes to pricing options, a wide variety of choices are available. Those looking for a suitable option should be aware that there are both put options and call options, with the former granting the right to sell an asset at a specific price, whereas the latter granting the right to buy an asset at a specific price. Also present in the world of options pricing is the variable known as time decay, which works against those holding an option with each passing day.

To maximize returns, one must consider all factors, including strike prices and expiration dates. Fortunately for those looking for option trading opportunities, brokers like Saxo Bank provide market-leading assistance and support for getting your ducks in a row financially.

Which type of option best suits your trading goals?

For novice traders, there are two main options to consider when putting together a portfolio: short-term and long-term.

Short-term options contracts tend to involve expiration dates of one week or less, and this time frame is best suited for those looking to maximize potential profits in the shortest period possible. At the same time, however, these strategies require considerable market research and analysis; otherwise, it can be easy for inexperienced investors to get burned quickly and sustain substantial losses.

On the other hand, long-term options contracts can provide stability within an overall investing strategy. These generally reach expiration dates anywhere from several months up to a year or more — depending on your choice. Here, the aim is to maximize gains over a more extended period while benefiting from the advantages of options trading as they relate to potential profits and losses.

How to analyse the markets to determine which times offer the best opportunities

Once you’ve decided on the type of options contract you intend to pursue, it’s essential to take a hard look at the markets and analyse which periods are most favourable for trading. In general, investors should look for moments when stock prices hit bottom and make a significant rebound. Analysing these patterns can provide an opportunity to buy low and sell high over a short period — resulting in substantial potential profits.

It’s also advantageous to pay attention to news cycles as this can help inform decisions regarding the best time to enter or exit a position. Knowing what’s taking place in the broader markets — from trade wars and political unrest to natural disasters — is vital in determining how stocks are likely to react and can affect the overall profitability of your trades.

Finally, investors must know when to avoid investing in managing risk levels effectively. Monitor the markets carefully and pay attention to any developing trends that could challenge your short-term strategy or long-term goals; this will help you make informed decisions related to your options trading plan.

Look at historical data to find trends in market movements and trends in specific options

Looking at past data is essential for those looking to maximize their options trading returns. It involves analysing various factors, including pricing fluctuations and overall market trends. Using this research as a foundation, one can then begin to look at specific options trades over time — noting which ones have seen more success than others in terms of profitability. Doing so will help you better understand what works best when it comes to your investing strategy.

In addition to historical data, investors should also pay attention to any news impacting the markets or particular stocks they’re considering buying. Keeping up-to-date on industry developments and economic news will provide further insight into how prices may move — helping you decide when is best to take a position or close one out.

By considering all of these factors, investors can better understand the right moment to enter or exit an options trade — ultimately giving them a better chance of maximizing their returns.

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Waiver Of Premium Rider Or Critical Illness Rider? Which Is Better?

The Critical Illness Rider: What is it?

An uncommon occurrence, critical illness blocks our fantasies and depletes our reserve funds. The number of common and dangerous illnesses is rising as a result of lifestyle changes, adding to the burden of expensive treatment. For some people, a basic medical clinic’s ability to treat critical illnesses moderately causes serious concern. Also, a basic illness may result in a pay cut and a change in lifestyle. If a person is found to have a basic illness, he may lose his work, which directly affects the family’s income. Financial hardships brought on by expensive clinical expenses combined with wage loss are difficult to adjust to.

Critical Illness Rider Benefits

  • “Critical Illness Rider” coverage is an added benefit where the insurer agrees to make a one-time payment if the policyholder is found to have a certain condition on a predetermined list as part of a protection plan. Even if there is a financial benefit provided against the Critical Illness rider (which covers 11 common illnesses), the fundamental plan is still in effect.
  • People ought to think about taking Critical Illness since they are bound to encounter a Critical Illness than kick the bucket before retirement. A variety of people will require such a cover for a variety of reasons. If a person is single, she may require a plan to ensure that her mortgage is paid. If a person is married, they may need to make arrangements for their family in the event that they are unable to work due to illness.
  • In many ways, a Critical Illness rider added to a life insurance plan is preferable to a standalone Critical Illness health plan. The financial burden caused by a severe illness will undoubtedly exceed what an indemnity health plan would pay for.
  • Hence, the best way to overcome the Critical Illness deficiency is to buy a simple sickness Rider as an extra security plan. Simply, critical illness serves as a buffer against financial hardship. Following the implementation of new types of Rider benefits, the “Waiver of Premium” rider now offers the benefit of deferring premium on the primary finding of a Critical Illness in addition to providing the advantage of waiving all future disaster protection expenses in the event of unfavourable passing or unplanned long-term total incapacity.

A life insurance calculator is a tool you may use online to determine the amount of coverage required based on your needs.

What is the Premium Rider Waiver?

The Waiver of Premium rider protects disaster protection customers against an unexpected illness or handicap that makes it difficult to pay fees. The benefit against riders with Critical Illness is provided upon the initial diagnosis of any of the predefined 11 basic disorders. It is much more difficult to cover the costs of catastrophe protection when an individual has a true disability or illness that will unquestionably reduce their salary. When people are struggling, they typically quickly terminate their extra security as a way to save spending.

Also, the effects may be very severe for their families. People with disabilities perform below average due to clinical challenges. Their family is in a serious financial crisis as a result of the cost of their doctor’s appointments. If they pass away without further security, the family may not receive critical financial assistance, or the mate may not receive retirement benefits. The real benefit of the Waiver of Premium rider is that it avoids the need for an additional security contract when one would otherwise be necessary. A Waiver of Premium rider prevents the life insurance policy from expiring in addition to relieving the burden of paying extra security fees associated with a critical illness.

So, investing in a life insurance plan that combines a Critical Illness Rider and a Waiver of Premium Rider protects a person from unexpected financial burdens. Yet, both riders are excellent, and which one is best depends entirely on your needs.

The decision to choose between the waiver of the premium rider or the critical illness rider depends on the individual’s personal circumstances, financial goals, and risk tolerance. The waiver of premium rider provides financial protection by waiving the policy premiums in the event of the policyholder’s disability, while the critical illness rider offers a lump sum benefit to cover medical expenses in case of a specified illness.

Both riders have their own advantages and limitations, and it is important for policyholders to carefully evaluate their options before making a decision. Factors such as age, health, family medical history, and financial stability should be taken into consideration when choosing a rider.

A life insurance calculator is an easy-to-use tool to check the amount of premium you would have to pay.


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Understanding the role of ELSS in managing investment risk for conservative investors

Investing in the stock market can be a daunting task, especially for conservative investors who are looking for stability and security in their investments. However, the potential for higher returns often makes investing in equities a necessity. One way to manage investment risk while investing in equities is by investing in Equity Linked Savings Schemes (ELSS). In this blog, we will discuss the role of ELSS in managing investment risk for conservative investors.

What is ELSS?

ELSS is a mutual fund scheme that invests in equity-related instruments, offering tax benefits under Section 80C of the Income Tax Act, 1961. ELSS has a lock-in period of three years, which means investors cannot redeem their units before three years. ELSS funds have the potential to deliver higher returns than traditional fixed-income investments, making them an attractive option for conservative investors who are willing to take some risk.

Let’s understand how ELSS can help conservative investors manage investment risk

  • Diversification

Diversification is an essential strategy for managing investment risk. ELSS funds invest in a diversified portfolio of equities, which spreads the risk across multiple companies and sectors. This diversification helps to reduce the impact of any adverse events on individual companies or sectors.

  • Professional management

ELSS funds are managed by experienced fund managers who have a team of analysts to research the market and identify potential investment opportunities. Conservative investors who are not well-versed in the stock market can benefit from the expertise of these professionals.

  • Long-term investment horizon

ELSS funds have a lock-in period of three years, which means investors cannot redeem their units before three years. This lock-in period encourages investors to stay invested for the long term, which is essential for equity investments. The long-term investment horizon helps to smoothen out short-term market fluctuations and provides a stable return over the long term.

  • Tax benefits

ELSS funds offer tax benefits under Section 80C of the Income Tax Act, 1961, which allows investors to claim a deduction up to INR 1.5 lakh in a financial year. This tax benefit helps to reduce the overall tax liability of investors and improves their post-tax returns.

  • SIP option

ELSS funds also offer the Systematic Investment Plan (SIP) option, which allows investors to invest small amounts at regular intervals. This option helps to average out the cost of investments and reduce the impact of market volatility.

In a nutshell

In conclusion, ELSS funds can be an effective tool for conservative investors to manage investment risk while investing in equities. ELSS funds offer diversification, professional management, a long-term investment horizon, tax benefits, and the SIP option, which can help to reduce the impact of market fluctuations and provide stable returns over the long term. However, investors should evaluate their risk appetite and investment objectives before investing in ELSS funds and consult with a financial advisor if required.

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French Commercial Exemption for Superyachts

The French Commercial Exemption is a set of regulations that apply to superyachts operating in French waters. This exemption requires that any yacht that spends more than 70% of its time in French waters must be registered for commercial use in France, regardless of its size or ownership status.

The French Commercial Exemption was introduced to ensure that superyachts operating in French waters comply with French labor laws and regulations, and to level the playing field for French-based commercial yacht operators. By requiring that all yachts operating in French waters comply with French commercial regulations, the French government is able to ensure that French maritime workers are protected and that yacht operators are held to a consistent set of standards.

To comply with the French Commercial Exemption, yachts must be registered for commercial use in France and comply with various French commercial regulations. This includes hiring a French captain and crew, obtaining a French commercial yacht registration (FRPY), and ensuring that the yacht complies with French safety and environmental regulations. The process of registering a yacht for commercial use in France can be complex and time-consuming, and it is important to work with a knowledgeable and experienced superyacht rental company to ensure compliance.

While the French Commercial Exemption can be challenging for yacht operators, it also offers a number of benefits. By complying with French commercial regulations, yachts are able to operate legally in French waters and provide guests with a high level of service and safety. Additionally, the French coastline offers some of the most stunning cruising destinations in the world, from the glittering beaches of the French Riviera to the quaint fishing villages of Brittany.

Overall, the French Commercial Exemption is an important regulation that helps to ensure that superyachts operating in French waters are subject to consistent standards and regulations. While compliance can be challenging, it is essential for yacht operators to work with knowledgeable and experienced prof

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10 Reasons Why People Lose Money in Stocks

Buying stocks today can be a lucrative way to grow wealth over the long term. However, many people lose money in the stock market, often due to common mistakes that can be easily avoided. Here are 10 reasons why people lose money in stocks if they fail to use the how to open demat account:

1). Lack of Research: Many people jump into the stock market without doing their due diligence. They invest in companies without knowing much about them or their financials. This lack of research can lead to poor investment decisions, resulting in losses while buying stocks today.

2). Emotional Investing: People often make investment decisions based on their emotions rather than logic. They might buy stocks based on hype or fear of missing out (FOMO) rather than a rational assessment of the company’s prospects. This can result in buying stocks that are overpriced and likely to decline if they fail to use the best trading apps.

3). Lack of Diversification: Investing all your money in one stock or sector can be a recipe for disaster. Diversification is key to reducing risk in a portfolio. By spreading your investments across different stocks and sectors, you can reduce the impact of any one stock or sector on your overall portfolio.

4). Ignoring Market Trends: The stock market is dynamic, and trends can shift quickly. Ignoring market trends can result in buying or holding onto stocks that are declining in value. Staying up to date on market trends can help you make informed investment decisions while stock trading.

5). Overconfidence: Some investors become overconfident in their abilities and make risky investments. This can lead to overtrading, buying and selling stocks frequently, which can result in higher fees and taxes, ultimately reducing returns when they fail to use the best trading apps.

6). Timing the Market: Trying to time the market is a common mistake that can lead to losses. No one can predict the stock market’s movements with certainty, and attempting to do so can result in missed opportunities or buying and selling at the wrong time.

7). Following the Crowd: Investors often follow the crowd, buying stocks that everyone else is buying. This can lead to buying overvalued stocks or missing out on undervalued stocks while using the best trading apps.

8). High Fees and Commissions: High fees and commissions can eat away at investment returns. Be sure to understand the fees and commissions associated with your investments and seek lower-cost alternatives when possible.

9). Lack of Patience: Investing in stocks is a long-term strategy. Many investors lose money because they don’t have the patience to wait for their investments to grow. Trying to make a quick profit by buying and selling stocks frequently can result in losses while buying stocks today.

10). Not Having a Plan: Investing without a plan is a recipe for disaster. Before investing, you should have a clear plan that outlines your investment goals, risk tolerance, and investment strategy. This can help you make informed investment decisions and stay on track with your long-term goals while using buying stocks today.

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Biggest Cyber Breaches In India

The age of digital technology is here. Due to the expanded use of digital technology across industries, practically anything can now be accomplished through the internet. On the other hand, having a healthy digital presence brings the possibility of a security breach.  It is now critical to use all means and stay safe about your personal information.

According to research, India had 86 million cyber breaches in 2021, placing it third worldwide in terms of the number of cyber breaches. Hence it is essential to have cyber insurance in india. Following are some of India’s most significant data breaches during 2019 and 2021.

  1. Data breach (may 2020)

This particular website serves as an online education platform. It was established in 2015, and some of its earliest backers included some big names in tech. The corporation admitted that a security breach had occurred, which put the accounts of 22 million individuals registered on their website at risk.

The fact that sensitive information like usernames, email addresses, and passwords was placed up for sale on the dark web was brought to light by a cyber security company.

  1. Online Grocery Platform for sale on dark web (october 2020)

A company specialising in cyber intelligence claims that this particular online grocery shopping site had been placed for sale in a marketplace for online criminality.

The right authorities checked for the accuracy of the data that the company was offering for sale, and informed the company on November 1 that a security compromise had occurred. Names, personal identification numbers (PINs), mobile phone numbers, email addresses, dates of birth, IP addresses, and localities were among the data.

  1. On the dark web, you can buy an online payment platform(January 2021)

A web-based platform that was developed specifically for usage in connection with mobile phone-based financial transactions was the target of data breachers at one point. In January 2021, the company disclosed that a server had been breached, resulting in the theft of data that contained the disguised card data and card fingerprints of 35 million consumers.

An unused access key was utilised in the hacking of the data. According to the findings of a cybersecurity researcher, the information was sold on the dark web for five thousand dollars. You may see the relevance of cyber insurance in india when you consider that the data of such large corporations are not always secure.

The cyber insurance coverage covers online risks. It may not be possible to retrieve the data that was compromised; however, it will be possible to receive financial support and assistance if you become embroiled in a legal proceeding.


These were some of the most significant cyberattacks launched against India between 2019 and 2021.

Since cyber-attacks are unavoidable, purchasing cyber security insurance to secure online data is necessary. Ensure that your information is covered by insurance, so you do not have to shoulder the burden alone. With daily technological advancements, it is becoming challenging for the legal system to keep track of all data breaches, let alone bring justice.

In this scenario, the best strategy for businesses, government agencies, and individuals is to implement security measures to prevent these attacks.

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

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The ideal sports fishing yacht: the Viking 74

Those on the market for a sports fishing boat would do well to discover the Viking difference with the Viking 74. One of the most popular models from the family-owned Viking Yacht Company, the Viking 74 remains unique among luxury convertible yachts. Focusing on design, performance, and engineering, her beautiful lines and exceptional capabilities ensure she is the standard for convertible fishing yachts in her category.

Measuring 74 feet in length, she features a fiberglass hull with a beam of 19′ 9″ and a draft of 6′. Rest assured, no expense was spared when the team at Viking created her cockpit. Available in both an open and enclosed bridge configuration, the Viking 74 is a favorite among both recreational fishermen as well as tournament anglers. Offering 218 square feet of workable space, her open bridge configuration has plenty of room for live wells with hatch bottoms, food, and bait freezers, tackle and gear stowage, and an electric gearbox. The raised helm station offers unobstructed views of her stunning surroundings with three pedestal seats and remains easily maneuverable. 

Her enclosed bridge includes a raised lounge, complete with a state-of-the-art helm station, wet bar, entertainment system, and additional seating. A small space located aft includes live wells and food and bait freezers. A spiral staircase leads down to the main deck, which features a wide-open interior that is similar to larger Viking convertibles. A salon with L-shaped seating with a table is located aft, and the galley and dinette forward, with a day-head for convenience. The U-shaped galley completes the casual and formal dining area located opposite with wraparound seating. The galley features two refrigerator and freezer units and granite counters, and the salon includes a 50-inch pop-up TV.

Her lower deck is also configurable with either a four or five-stateroom layout, including crew quarters with direct engine room access. Each stateroom includes an ensuite bathroom, while the owner’s suite offers king size bed and L-shaped lounge as it takes full advantage of the Viking 74 19′ 9″ beam. 

Powered by twin MTU 16V2000 diesel engines, she has a cruising speed of 30 knots, with a top speed of close to 39 knots. 

Interested in learning more about Viking Yachts and the Viking 74 currently available on the market today with FGI Yacht Group? Contact our team of expert brokers and find your dream Viking 74 sports fishing yacht now.

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Evan Rubinson Describes the One Trait All Employers Should Look For in a New Hire

If you are an entrepreneur like Evan Rubinson, one of the hardest things that you have to do is hire new employees. You may find yourself contemplating everything that you are looking for in a new employee, and that can be overwhelming. As such, Mr. Rubinson wants to make things a little easier for you by explaining the one trait that all employers should be looking for in a new hire, and why this one trait is so important to consider when hiring.

Evan Rubinson knows how important hiring the right individual for your company is. He is the CEO of ERA Music Brands, and he too has been in the position where he has had to hire employees. Hiring the right employee can help increase productivity, boost the company’s morale, and help avoid the costly expense of having high employee turnover. While many companies look for things such as education and job experience, Mr. Rubinson implores you to consider when trait that may be more important than all of these things combined; emotional intelligence, also referred to as EQ.

Emotional intelligence allows an individual to understand human psychology and behavior. Having a high emotional intelligence allows your employees to recognize feelings within themselves and within others. It makes it easier for these people to understand what your customers are looking for and how they can deliver that to your customers. It also makes it easier for your employees to recognize how to get along with their managers and other employees, making for a better and more productive workplace environment. Mr. Rubinson explains that having the smartest guy on your team does you no good if they do not understand how customers are feeling, know how to relate to customers and know how to provide customers with the overall experience that they are looking for.

Evan Rubinson cautions companies to take their time and to really hone in on searching for employees who have high emotional intelligence. He states that one of the most common mistakes companies make is mistaking a smooth talker or a liar for someone who is highly intelligent. Trust your instincts and look for individuals you feel are trustworthy and honest. After all, if you feel that they are trustworthy and honest, there is a good chance your customers will also feel that same way.

Evan Rubinson states that his father taught him the importance of hiring individuals with a high emotional intelligence. He feels that this is a key to his success when it comes to hiring, and as such, he wants to share this tip with every other company out there. While there are many traits that you can focus on when hiring, looking for employees who have a high emotional intelligence can pay off in a big way for your company.

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