The insurance company may choose

 An agent or a broker can help the customer make a better choice. However, one has to ensure that the information provided by the aggregator sites or the broker sites are genuine.Utilising online payment gateway and transacting through credit, debit or net banking also eliminates the uncertainty and delay around sending cheques or cash through the agent. Technically, this should help customers get their claim amount easily.

There are less chances of customisation," said Pande.However, buying an insurance product without a human interface can also lead to a wrong purchase. But while doing away with agents one will have to examine all aspects of the product and the company, like insurance cover, term, exclusions, riders, credibility of the insurer and claim settlement record – all on his own. The payment is done fast and the policy document also arrives in your mailbox faster. Mostly insurance companies have simple products for the online channel and these are easy to understand even without the help of a third party. For someone who prefers to make purchases as per his convenience, there are health plans, life cover. Doing an online research on your own and making an informed choice can lower the chances of misselling. Many companies have come out with simpler health products for the online channel.

The customer acquisition costs are low in the online channel. But for others, it may not work.Convenience is the greatest advantage customers have while buying a product online. So, it won't be possible to customise a plan to suit your special requirements or negotiate your premium with the insurer. Claim processing is the most crucial aspect of any insurance policy. Several gaps still exist in the way the claims are being handled," said Pande. Reviews are crucial to understand which company has hassle-free claim processing systems.Pricing is another advantage the online channel provides. Chennai: Buying insurance online is an easy, convenient and cheaper as well. This can go up to 10 per cent. If the agent withholds some information about the product, it may result in misselling. The sites also provide reviews by customers who have already bought the product and made claims. These are vanilla products with not many riders. Arriving at the right sum insured and tenure is a difficulty most buyers face while buying a term plan online. The product should be bought only from an authentic site.In case of life cover, term plans are in great demand among online buyers. Home insurance too is available online. So, there is total cost advantage of 20-25 per cent for online product," said Sanjay Pande, executive director, Finsall Networks. In the absence of a professional to judge the requirement and paying capacity, the customer may end up taking a bigger or a smaller cover.. Many insurance companies allow online customers to make their insurance claims also online.

"In such cases usually messages pop up saying that a customer executive will get in touch with the customer," said Pande.Health insurance is comparatively more complex and buying it online would be a difficult thing to attempt for many.As the online channel gets larger for insurance companies with time, they will have to put the best systems in place for their customers to provide the same convenience in claims settlement as well. "Technically, online product should be cheaper than the one bought through a broker or an agent. The insurance plans available on the net are mostly pre-set. Once the customer has decided on the product, he can also check the insurer’s website for better pricing. If the claims do not get settled within the stipulated time, the customer can push his case through the agents. There is also the benefit of monetisation of operational efficiencies by cutting cost of delivery of the policy in its physical form. One also has to find out details such as hospital network and exclusion clauses.

The insurance company may choose to pass on the advantage of lower cost either in the form of lower premium or higher sum insured.A person, who does not need a medical check and is in the low to normal risk category, may not find much problem with the online products."But when it comes to processing of online claims, much needs to be done. Further, the commission for the broker or the agent, which can even go up to 15 per cent, can be eliminated.The customer can go to aggregator sites and compare the products of different companies before taking a decision.Finally, the taste of the pudding is in its eating.Insurance companies see a higher portion of motor insurance renewals and travel insurance coming through online channels. "These are pre-underwritten products and mostly all-encompassing. A human interface is very important at the time electric bicycle gearless dc motors for sale of claims processing. Online insurance is catching up fast among the net-savvy younger population. All individuals are not acquainted with the technical terms used by the insurance companies and much depends upon the comprehending capability of the buyer.However, there is a flipside to it as well. Insurance companies see a higher portion of motor insurance renewals and travel insurance coming through online channels. Agents may also try to push products, which provide them higher commission.While theoretically, the online facility looks good, there are a few drawbacks of the e-distribution channel. He may also opt for a longer term or a shorter term

Mr Raote had also made it compulsory

 "The decision has been taken after the Bombay high court’s directive given to the state government regarding the safety of pillion riders," said transport minister Diwakar Raote. A government resolution (GR) to this effect was issued by the transport department on Saturday.The already existing law under the Motor Vehicle Act’s Section 129, 1988 and 250 states that any rider caught without a helmet will have to face a fine of Rs 100. The transport commissioner on Saturday brought out a notification reinforcing the rule that both two-wheeler riders and pillion riders must wear China Drive Brushless Geared E-bike Motors helmets.

Mr Raote had also made it compulsory to issue indemnity bonds while issuing licenses a year ago.

This will be checked by the RTO, which will collect documentary evidence from the dealers with the customer’s signatures stating that they have received two helmets. A press release sent out by the department on Saturday said, "Severity of the accidents get reduced if both the rider and the pillion wear helmets and hence the department has decided to implement the high court order.

"The department has not only made helmets mandatory for riders and pillion riders, it has demanded that all dealers who sell two-wheelers must provide two helmets when making the sale. A rule was already in existence under the Motor Vehicle Act, but it was not implemented with seriousness.The state government has now made it mandatory for pillion riders on two-wheelers to wear helmets. However, after the issuance of this GR, travelling on two-wheelers without helmets will get tougher.

Delhi witnessed an increase of almost

 71 per cent. "Analysis also suggests that 60-65 per cent of women victims are between 15-30 years old.".Records also revealed that almost 39 per cent of the rapes were committed by friends Inches Mountain Bike Motors and family members’ friends."Police records revealed that 2,095 cases of rape, 5,192 molestations and 1,444 cases of eve-teasing were reported till December 15, 2015, compared to 2,085 rapes, 4,182 molestations and 1,282 eve-teasing cases in the corresponding period previous year. Some 12,208 burglary cases were reported in 2015 against 9,653 marking a rise of 26. While nearly 16.On steep rise in the crime rate, Mr Bassi said: "I know that crime rate has increased, but I can say that we have achieved the target of allowing every citizen in filing an FIR.45 per cent with 7,192 cases reported in 2015 as against 6,176 last year. Robberies also saw an increase of 16.Admitting that crime figures have increased in the city, Delhi police commissioner Bhim Sain Bassi took refuge in the fact that at least, now, more cases are reported unlike earlier when even women hesitated to file FIRs. But I can assure you now that the police works on absolute truth and will continue to do so.""I admit that earlier some police officers may have gotten away with their responsibilities on false grounds.

Delhi witnessed an increase of almost 25 per cent in total crimes registered under IPC in 2015, with motor vehicle thefts and snatching increasing by over 35 per cent as compared to 2014, the Delhi police annual review data revealed.50 per cent rapes were committed by neighbours of the victims and around 14 per cent by relatives, around 2 per cent of the offenders were co-workers and 25 per cent cases pertained to other known persons.

Their self-defence expertise shall be a sure counter to sick mindset men," Mr Bassi said.He also said that women need to be trained in self-defence, which can help in tackling the steep rise in the instances of crime against women." he added and used two rape cases in which the victims were two months old and 80 years respectively as examples.47 per cent.According to the annual review figures, there was over 40 per cent increase in motor vehicle theft cases in 2015 and cases of snatching increased up by 35.Sharing points from his analysis of crime against women in the national capital, Mr Bassi said 70 per cent of the perpetrators in rape cases belong to the age group 21-35 years.Rape cases also saw a marginal spurt — 2,095 rape cases were reported in 2015 as against 2,085 cases reported in 2014 for the corresponding period. "Crime-mapping analysis of the city suggested that any woman in a locality is surrounded by anything between 250-400 men who would not think twice before assaulting a woman."I have often been criticised for my views on self-defence, mostly by groups who know how to shed crocodile tears

Hyundai will add four more models including

 

Hyundai hired Luc Donckerwolke, a former designer at Bentley and Lamborghini, to oversee design.South Korea's largest automaker said Wednesday that the Genesis brand will begin with two sedans, including the namesake upscale car launched two years ago and a large flagship sedan slated for release next month.In South Korea, the company faced competition from German and Japanese cars.

Hyundai will add four more models including a sports coupe and sports utility vehicles by 2020 Seoul: Hyundai Motor Co.It will add four more models including a sports coupe and sports utility vehicles by 2020. said Wednesday it has launched a premium car brand named after its Genesis sedan to boost profitability and its share of the fast-growing global market for luxury Impeller type permanent magnet variable frequency aerator host vehicles.

Its sales in China dropped sharply this year due to heightened competition from Chinese carmakers. The automaker's underestimation of strong demand for SUVs and a cheap Japanese yen that boosted rivals Toyota and Honda also contributed to its weak performance. Hyundai already had two models in the premium car market, but is better known for mid-range cars such as the Sonata and Avante..The move comes after Hyundai's latest quarterly profit slid to the lowest in five years.

The company had planned to launch the stand-alone brand when it released the first Genesis sedan in 2008 but postponed because the global financial crisis dented sales of luxury cars

The MG Hector will be priced between

 

MG’s plan to also offer a petrol will help the carmaker cater to potential demand once BSVI norms kick in next year.Source: ZigWheels. That is because diesel cars are expected to cost way higher than their petrol counterparts once gearless dc motors BSVI norms are implemented as the modifications required to make them BSVI-compliant are extensive.

The MG Hector will be priced between Rs 15 lakh and Rs 20 lakh. This is the same engine that powers the Jeep Compass and is expected to develop the same performance figures as on the Jeep - 173PS and 350Nm. The MG Hector petrol AT variant could also be offered with paddle shifters behind the steering wheel and a ‘Sport’ mode to make it feel sportier.

It will take on the likes of the Tata Harrier, Mahindra XUV500 and the Jeep Compass.com.Reports suggest that the petrol motor will be a 1. The diesel engine will be a 2. One of the unique details about the new MG is that it will be offered with a subscription plan.5-litre, turbocharged unit and will be paired to a 6-speed dual-clutch transmission that will power the front wheels.If these reports are accurate, here’s how the MG Hector petrol will compare to its rivals:The diesel variants of MGs first SUV in India will be powered by a Fiat-sourced 2.0-litre unit sourced from Fiat.According to the latest spy shots, MG’s first SUV in India, the Hector will be offered with both petrol and a diesel engine options.We have an exclusive photograph of the Hector’s instrument cluster which shows its informative 7-inch driver information screen.0-litre, 4-cylinder turbocharged motor. Even the Tata Harrier is powered by the same engine, albeit in a lower state of tune. This motor reportedly develops 143PS of maximum power and 250Nm of peak torque