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What are IDV and NCB in Two-Wheeler Insurance?

Have you ever wondered how an insurance company compensates in the event that a bike is damaged beyond repair or stolen? You may have heard or come across the term IDV in bike insurance. Based on IDV, your insurer compensates you against such losses. Another crucial term in bike insurance is No Claim Bonus (NCB). It is a standard benefit for policyholders who raise no claims in a policy year. IDV and NCB are two important terminologies that every bike owner and policyholder should understand. In this guide, we will explain the details of IDV in bike insurance and NCB. Read on to understand these terms before purchasing a bike insurance policy.

Bike

What Documents Are Required for Filing a Bike Insurance Claim?

Investing in a robust insurance plan for your dream bike is both a legal requirement and a smart step to protect yourself from a financial crisis. Riding on Indian streets comes with a mix of surprises and uncertainties, making it essential for every bike owner to purchase reliable motor insurance that promises to offer financial protection. While it is essential to purchase a bike insurance plan, it is also important to be informed about the claim process. Let’s talk about the documents that are required to file a bike insurance claim.

Investment

Real Estate vs. Stock Market: Where Should You Invest for Better Returns?

“Brickbait or Clickbait?” Which allures you more? Even a seasoned investor would be left stumped if asked to choose. Imagine you have only two ways to choose from; one leads you to sprawling properties and real estate deals, and the other leads you to trades that can make you reach the sky if executed right. Which would ensure success and wealth, and which might lead you astray? Not an easy choice. What if we pit these two against each other in terms of return, risk, liability, liquidity and wealth creation? After all, investing is not just about choosing the right instrument, but also about aligning your risk appetite, financial goals, assessing your financial status and taking an informed decision considering your lifestyle and family requirements. The winning strategy depends on who you are rather than what you invest in.

Investment

How to Start Investing with a Small Budget and Grow Your Wealth

Navigating the world of personal finance mostly begins with baby steps. Lao Tzu's words, “ The journey of a thousand miles begins with a single step”, resonate strongly with those who are resilient and diligent in their journeys of wealth creation. You may find the world of finance to be daunting and think it is for the rich, famous or brilliant minds, but fortunately, it is far from the truth. All you need is a modest beginning, the right attitude, and a strategic and disciplined approach to lay a foundation for a financial future that is aligned with your life goals. Do not be intimidated to embark on a financial journey, especially with this guide, as it takes you through the various successful and strategic ways to take that first step forward. No matter how you are placed financially, whether cradling your nascent savings or simply eager to know more about wealth creation, a thoughtful insight is always welcome. Without much ado, let us delve a little deeper into it.

Term

Difference Between Term Insurance and Health Insurance

Insurance cover is an important financial tool to manage uncertainties. Having the right cover is also a crucial aspect of financial planning. Take the case of Amruta, a 38-year-old working professional and a single mother. She has purchased a term insurance to secure her son’s future (her top priority) even in her absence. Despite having a healthy lifestyle, regular yoga and a balanced diet, a road accident landed her in a hospital bed for a few days. Fortunately, she had a comprehensive family health insurance policy to cover her hospital bills. If she had only relied on term insurance for any uncertainties, she would have had to deplete her savings for emergency hospital expenses. This example reflects the necessity of both term insurance and health insurance coverage for any individual, and the need to understand the difference between the two to make an informed decision. Let us explore the term insurance and health insurance in detail, their benefits and differences.

Term

Why Entrepreneurs Should Have a Term Insurance Plan?

Building a successful business is not an easy task. Entrepreneurs dedicate their time and money to it, sometimes even at the cost of their financial security. Take the case of Siddharth, a passionate entrepreneur, running his tech startup. He even finished his first round of securing funding for his business. Fueled by ambition, Siddharth is at the top of his game, working tirelessly. With a packed schedule and business expansion plans on full swing, what he forgot to account for is life’s uncertainty. A sudden health scare of a serious health condition has put his family in deep shock now. Business being still in infancy, his family can’t sustain any financial difficulty in his absence. This is not just a story of Siddharth, but of many blooming entrepreneurs. In the hustle of building an empire, many overlook their own and their family’s financial security against uncertainties. Let us explore how availing a term insurance is extremely important for entrepreneurs.

Jio Insurance Broking Ltd

Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)

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