March 2023


Without a doubt, having internet access has made life easier. Today, information of every kind may be found on the internet. Shopping online is something that most people prefer these days because not only is it convenient, but it also helps you save a significant amount of time. ##

Similarly, insurance policies for two-wheelers can also be easily purchased through the internet. When you shop online, you can evaluate many bike insurance options, such as the Bajaj Allianz Bike Insurance, among others, before making any purchases.

You could easily find the ideal policy by doing a quick bike insurance check online and comparing a few different ones. Here’s how:

  • Find a dependable insurance provider.

Your choice of an insurance provider is by far the most significant consideration. The process of filing claims should also be uncomplicated and straightforward. However, filing a claim with certain insurance providers can take time and effort. When you compare different policies ahead of time, it makes your work much more straightforward. For any information, you may need about the insurance company you’re considering, read the reviews that are available online. When making comparisons, you should consider the company’s after-sale support, any exceptional services they provide, how customer-oriented they are, and a variety of other factors.

  • Choose a plan that best addresses your concerns and requirements.

Every single person is going to have unique necessities. When comparing different firms and their policies, it is imperative to keep this fact in mind. It is essential to get bike insurance coverage that is tailored to your specific needs. Try to avoid spending your money on a plan that may be of less value to you in the coming years by making a hasty purchase. Numerous insurance firms offer you the same coverage at varying premium prices. You have to use your discretion and choose the best plan for your bike.

  • Choose the kind of protection you need from the available options.

Make sure that you pick an insurance plan that meets your needs. It is mandatory to carry two-wheeler insurance that covers third-party liability; however, this insurance solely protects the policyholder. On the other hand, all-inclusive coverage will cover your damages and any obligations you may incur toward third parties. Consequently, write down your requirements and shop for insurance based on those notes. *

Choose the second option for your insurance coverage if you live in a region with a high incidence of accidents. Additionally, it protects the insured bike if it is stolen. In addition, the insurance policy will pay for repairs to your vehicle if a natural or manufactured disaster causes damage. In addition to this, you have the option of selecting add-on covers, which could help enhance your current plan. If you choose third-party coverage, you may not have access to this choice.

In the modern world, everyone expects their task to be completed easily and uncomplicated. Always keep an eye out for the websites of general insurance providers while making comparisons so that you can receive correct policy data.

Last but not least, if you think the quantity of the premium that needs to be paid is too much for your budget, you may even change the coverage by taking away the protections that you do not need.

Your estimate will be ready in just a few clicks once you provide the relevant information, which includes the production year of your bike, its brand and model, the number of your vehicle, and so on. Be sure to use the online two-wheeler insurance premium calculator before you forget to calculate the premium for your policy. It assists in calculating the amount of the premium for a variety of policies.

Explore your options, including the Bajaj Allianz Bike Insurance and make informed, smart decisions regarding your two-wheeler.

* Standard T&C Apply

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. 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.‘

Subscribe to Bajaj Allianz General Insurance YouTube Channel here!

The timely decrease in an asset’s value is known as depreciation. Your cars also fit into this category. The value of a vehicle and its components reduces over a period of time. Depreciation in the context of auto insurance is this: An automobile that is six months old costs less than one that is brand new and is the same make and model. Materials including metal, glass, steel, rubber, copper, specific fibres and plastic are all utilised to construct cars, and each of these materials depreciates at a different rate.

The depreciation rate on these parts is a factor in deciding your car insurance. Thus, the Insurance Regulatory and Development Authority of India (IRDAI) has established some standards to determine it. #

It goes like this:

Types of components Rate of Depreciation
Parts made of plastic, nylon, and rubber; tyres and tubes, batteries, and airbags 50%
Parts made of Fibreglass 30%
Glass 0
Parts made of Wooden & Metallic make

Source: IRDAI #

The depreciation is computed using the vehicle’s age as listed in the table below:

Age of the Car Rate of Depreciation
< 6 Months 0
Between 6 months to 1 year 5%
More than 1 year but not 2 years 10%
More than 2 years but not 3 years 15%
More than 3 years but not 4 years 25%
More than 4 years but not 5 years 35%
More than 5 year but not 10 years 40%
More than 10 years 50%

Source: IRDAI #

Your car is likely to collide with another vehicle, given the chaotic traffic on Indian roadways. As a result, Repair costs are bound to be incurred, which will increase your financial liability even more. If it were ever to happen that you need to replace parts of your car, the insurance company would only pay out for the depreciated value of the parts, leaving you to foot the bill for the balance. As a result, you should go ahead and add a Zero Depreciation cover to your comprehensive car insurance policy so that you may benefit from it. In the event that you’ll need to file an insurance claim, this will assist you in getting the most extensive payment possible. *

But what is Zero Depreciation Cover?

The insurance company will pay for your car’s damages if you have an accident. The amount you receive, however, is less than the average rate at which the car’s components depreciate.

If you choose the Zero Depreciation add-on, however, the insurance provider will pay you the entire worth of the car’s parts without taking depreciation into account. Typically, you can only get this coverage if your vehicle is brand new. You can add the Zero Depreciation cover if you still need it when you have to go for a car insurance policy renewal. *

What’s the difference between standard auto insurance coverage and zero depreciation cover, you ask?

Zero-Depreciation Cover Standard Auto Insurance Coverage
There is an added premium fee. The premium may be less since you have not included the rider.
If your car is new, you should buy this protection. This coverage is available for both new and used vehicles.
The insurance is responsible for the total cost of damaged auto parts. The insurer is only responsible for the depreciated value of the damaged auto parts.
You obtain a complete reimbursement, and the claim settlement is unaffected. You receive your claim amount after standard depreciation deductions have been made.

Benefits of opting for a Zero Depreciation Insurance *:

  • The addition of Zero Depreciation Cover to your current Auto Insurance Policy can help you Save Money.
  • Your costs are virtually completely eliminated.
  • It provides financial protection against damages or losses caused as a result of an accident.
  • Zero depreciation coverage is advantageous to both – novice and experienced drivers.
  • Without taking depreciation into account, the cost of replacing the insured parts is reimbursed.

You might be able to get Zero Depreciation Cover from many insurers. However, be careful to only buy it from reputed insurance companies. It is advisable to do a car insurance check online, look up the insurance provider’s evaluations on the internet or ask for personal recommendations. Additionally, prior to making a purchase, use an online vehicle insurance calculator to estimate premiums in order to acquire the best price possible.

* Standard T&C Apply

# Visit the official website of IRDAI for further details.

‘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.‘

Subscribe to Bajaj Allianz General Insurance YouTube Channel here!

As businesses increasingly move their operations online, the traditional process of signing physical documents has become outdated and inefficient. Enter online document signing tools, which offer a digital solution to this age-old problem. In a world where speed and convenience are key, electronic signatures have become the norm for businesses looking to streamline their processes and improve efficiency.

By adopting online document signing tools, businesses can save time, reduce costs, and increase productivity. Electronic signatures allow businesses to complete transactions faster and with greater accuracy, eliminating the need for physical signatures and paper documents. Additionally, online document signing tools offer improved collaboration across teams, providing a secure and efficient way to share and sign documents regardless of location or time zone.

Online signing tools have become a game-changer for businesses looking to streamline their operations and enhance their overall performance.

One of the key benefits of online signing tools is the significant time savings they offer. In the past, signing a document required printing, scanning, and emailing, or even physical delivery by courier. This process could take days or even weeks to complete, delaying important transactions and causing unnecessary stress. Online signing tools eliminate the need for physical signatures and make the process of signing documents fast and easy. With just a few clicks, businesses can sign and send documents, and receive signed documents back in a matter of minutes.

Moreover, online signing tools offer enhanced security for businesses, reducing the risk of fraud and unauthorized access to sensitive data. Digital signatures are tamper-proof and provide an audit trail that tracks every action related to the document, including who signed it and when. This provides businesses with greater control over their documents, making it easier to manage their legal and compliance requirements.

Another significant benefit of online signing tools is the improved collaboration and communication they offer. With online signing tools, businesses can share and sign documents in real-time, from any location, and on any device. This feature streamlines business processes, allowing teams to work together more effectively. Moreover, online signing tools allow multiple people to sign the same document, reducing the need for back-and-forth emails and expediting the signing process.

Integrations with online signing tools can further enhance their usefulness for businesses. Online signing tools can integrate with a range of business applications, including Microsoft Office, GSuite, Salesforce, CRM systems, project management software, and document management systems, making it easier to manage documents and streamline workflows.

For example, integrations with a CRM system can enable businesses to send contracts for signature directly from the system, reducing the need for manual data entry and expediting the signing process. Similarly, integrations with project management software can help businesses keep track of signed documents and deadlines, reducing the risk of missing important milestones.

Moreover, integrations with document management systems can make it easier to store and manage signed documents, ensuring that they are easily accessible to authorized parties while maintaining security and compliance. Overall, integrations with online signing tools can help businesses improve their efficiency and productivity, allowing them to focus on their core activities and achieve their business objectives.

In conclusion, online document signing tools have transformed the way businesses sign and manage documents. By eliminating the need for physical signatures and reducing the time required to complete transactions, they have streamlined business processes, improving efficiency and productivity. The enhanced security and collaboration features of online signing tools have further enhanced their usefulness, enabling businesses to work together more effectively and securely.

As more businesses move their operations online, the use of online document signing tools is likely to become even more widespread. With their ability to seamlessly integrate with existing workflows and applications, they offer a flexible and scalable solution to the challenges of document signing and management.

Whether it’s reducing costs, improving efficiency, or enhancing security and collaboration, online document signing tools offer a range of benefits that can help businesses achieve their goals and stay ahead of the competition. In short, they are a valuable addition to any modern business looking to streamline its operations and achieve success in today’s fast-paced and dynamic business environment.

Before opening a zero brokerage trading account, it is important to choose the best demat account provider. A demat account is a mandatory requirement for trading in stocks and other securities in India. There are several demat account providers in the market, and each one has different charges, fees, and features associated with their services. In this article, we will discuss how to choose the best demat account provider before opening a zero brokerage trading account using the right investing indices.


The first step in choosing the best demat account provider is to conduct thorough research. You should compare the charges and fees associated with different providers, and look for one that offers transparent and competitive pricing. You should also look at the provider’s track record in terms of reliability, security, and customer service. This can be done by reading reviews and feedback from other users of the provider and then knowing about how to open demat account.


The charges associated with the demat account are an important consideration when choosing a provider. Look for a provider who offers low account opening charges, annual maintenance charges (AMC), and transaction charges. It is also important to be aware of any hidden charges that may be associated with the account while opting for the investing indices.


Ensure that the demat account provider is registered with the Securities and Exchange Board of India (SEBI), and has a good track record in terms of security and reliability. Look for a provider who offers two-factor authentication, SSL encryption, and other security features to protect your account.

Customer Service

Look for a provider who offers good customer service and support. The provider should be easily accessible and responsive to customer queries and concerns. Look for a provider who offers multiple channels of customer support, such as phone, email, chat, and social media to check what is demat account.

Trading Platforms

Look for a demat account provider who offers a user-friendly and reliable trading platform. The platform should be easy to navigate, with clear instructions for opening and maintaining the account. Look for a provider who offers a mobile app, web-based platform, and desktop application for trading.

Additional Services

Consider the additional services offered by the demat account provider. Look for a provider who offers research reports, investment advice, and other value-added services. These services can help you make informed investment decisions and maximize your returns with the help of understanding stock trading.

User Experience

Consider the user experience of the demat account provider. Look for a provider who offers a seamless and intuitive user experience, with clear and concise instructions. The provider should also offer a robust FAQ section and educational resources to help users navigate the platform and understand the investment process.


In conclusion, choosing the best demat account provider is an important step in opening a zero brokerage trading account. It is important to conduct thorough research, compare the charges and fees associated with different providers, and look for one that offers transparent and competitive pricing.