Things to Remember while Buying Car Insurance

by ExpertBlogger 2. July 2018 09:53

Buying a car is a big decision considering it as a depreciative asset and also the changing technology is the prime reason for investing rightly in a brand. After buying the car the most important decision an owner has to take is getting the asset covered with proper motor insurance in order to safeguard the vehicle from all types of unforeseen damages that may happen to, it once it gets launched on the road. There are many factors both varying and unvarying that determine a good insurance for an automobile. 

In a state like there are multiple factors taken into consideration before zeroing on a good insurance plan. To start with following are the checks to be borne in mind:

a. The credit score of the insurance buyer matters as the insurer would be interested in selling the policy to the party who has a clean credit card history and more responsible in clearing their bills.

b. A good driving history with fewer penalties and tickets for over speeding or driving under the influence of alcohol makes a driver being perceived as more prone to accidents and hence would be charged the premium accordingly.

c. A person’s gender also contributes to an extent in the insurance premium as male drivers are considered to be more hazardous than the female ones.

d. The age factor of the buyer is also an important aspect for an insurance company. Driver below the age of 25 are considered as rash drivers and irrespective of one’s driving pattern a person has to pay the premium higher because of his/her age.

e. The taxi or the cab drivers are liable for a higher premium because the chances of a damage to the vehicle are far more than a private car.

f. A vehicle’s cost, its make, and model also contributes in the insurance that needs to be bought for it. A low range car like a hatchback does not require a costly policy but a trendy sports car or multi-utility vehicle with advanced features would call for a higher premium to be paid.

g. Many insurance companies also decide the premium based on the location of the buyer, because people who drive on mountains or hills or plateaus are more likely to meet with an accident than the people who drive on plains.

The above-mentioned points were considered by an insurer while selling the policy to the buyer. There are certain checks to be performed by the buyers too on the insurer:

a. A buyer should evaluate his/her state’s minimum requirements for the insurance.

b. A buyer should perform a comprehensive market research by comparing the quotes from various insurers before zeroing on one.

c. A buyer should review the insurer’s standing in the market in terms of reliability and also in terms of discounts before finalizing a deal. One should always pick a top-rated insurer irrespective of the cost.

d. Setting up a higher deductible which will ensure a good cut in the premium cost.

e. Usage-based insurance is something where the insurer would track the buyer’s mileage covered and give away discount on the basis of miles driven in a year.

There are few types of covers that should be included in a car insurance:

Liability cover: This is a third party insurance wherein the damage done by the car owner to the other person or person’s vehicle should be covered by the car policy.

No-Fault insurance: It is the cover given by the insurance company to the buyer in case he/she met with an accident that is not the car owner’s fault.

Personal injury Protection: It is the type of cover provided to anyone who travels in the car owner’s vehicle and happens to meet with an accident.

Uninsured motorist insurance: this is a type of cover that gives a protection to the car owner against those who do not have an insured vehicle.

Bottom line is While finalizing the insurance policy a buyer must ensure complete transparency to the insurer by providing all the history of accidents, drink and drive cases etc. else this may lead to denial of the claim by the insurer at the time of mishappening.  

Entertainment for Children, Are we doing enough?

by ExpertBlogger 11. July 2016 09:44

The children of 21st century are not generation X they are now generation Z or may be generation Y. They are a step ahead of generation X kids who somehow did not live into the world of internet completely but lived in the real world too. However the generations to come will witness everything at the click of their smartphone and every feeling in the form of virtual reality. Internet is the ocean of information from all around the world, but the challenge is how to search relevant content for children. It is like they are sunk into this ocean and there is no respite from it as Google is the answer for all the questions under the sun. As a result Google exposes the kids to numerous other content which are not meant for them. Entertainment industry especially outside US too does not offer a wholesome relevant entertaining package to children due to lack of audience in this segment. The animation and action both the forms lack a quality for children and they are largely dependent on foreign channels and movies for their entertainment needs. They like Avengers, Pokemon, Superman and many such animated and action heroes.

In India children have a scarceness of the animated films. Some shows being a class apart from its counterparts and most adored by Indian or other kids is the only such movie of our times which has changed the definition of kids’ entertainment. The monetary investment are high and returns are marginally lower. The producers and directors like to make commercially successful projects whereas the children want something of high quality visual and audio, they are exposed to the world of PS and internet and they like some really good high dimensional experience. The kids know exactly to maneuver most of the devices like smartphones, iPad, play stations and they are into high grade entertainment and amidst this if they are given a ham-fisted piece of art or animation they will not lap it and will slowly move to the world of virtual reality which is through gaming consoles which give them more liberty and enthusiasm. We lack the type of entertainment which Minions or Ice Age or Harry Potter yields to the children and it is because in Bollywood children’s film are not a category. Some movies hit the theatre once in years, and filmmakers are not at all motivated to make such films which cater to the children’s psyche. Children’s films may not give them enough profits which they sure to get when they launch a superstar in their movie. However the dearth is of engaging content for children, which could make them relate to their lives and things around them. Children have productive minds. Their inquisitiveness proportion is much higher than that of adults. They want to discover, know further, and unleash their fancy. Stories, songs and visuals partially fulfill this curiosity and leave them to want for more. 

 

Films help shape children’s artistic receptivity, polish their quizzical skill, and finely help to baseline their value systems. India is the largest producer of feature films in the world (over 1000 films a year), the number of children’s films it produces annually is appallingly low – just about a handful or so per year which is not an encouraging number. Though India does not have a scarcity of stories, there is a dearth of good screenplay writers and directors for sure who could render the stories into entertaining films. On commercial grounds the producers do not plunge into children’s meaningful cinema as they believe in the fact that there is a little take away for everyone in their mainstream films. The film fraternity should step up for the making of films meant for children and display a different sensibility in terms of art which can provide the needs of children entertainment and they should not resort to the unlimited and uncensored content on the Internet and indulge themselves in the films which are made for them, making them responsible as well prevent their mind to wander in the unbounded source of content available on internet.

Does Internet is Winning Race against Television and Radio?

by ExpertBlogger 24. March 2016 11:01

In the year 2005 when popular video hosting site was launched by three ex-employees of PayPal little did they know that their concept would revolutionized the world of entertainment and will make them the millionaires by the millennials. The concept of video sharing over the internet has not only changed the face of media but has created a boom in many businesses. You Tube is one such medium that has taken the viewers with a storm and sending a strong blow to the television industry. The television is unable to come at par with such internet discoveries. The free of cost nature of internet makes it so accessible and preferable by the viewers. The loads of long forgotten videos and clippings just get so easy to access, whereas the absence of time capsule in a television makes it less popular. There are enough evidences that reveal the fact that video streaming is the Gen Z thing and is enjoyed by them more than the static entertainment medium like television. They can watch anything under the sun over the internet at any time and any place they want. Anyone can share the videos which they have and in this way internet gets richer in its content.

The CDs have lost their sheen ever since videos on internet has plunge into the market. Like the television many video hosting websites also has channels for the artists and performers from any field and they can upload their videos and become famous as well as earn as much money as a budding entrepreneur can. There are channels for cookery, make – up artistry, standup comedy, arts and design etc. on internet. The channel owners are the common people from amongst ourselves who exhibit their talents on this free medium and get numerous fans who subscribe to their You Tube channel and hence increasing the viewership. You Tube also help in running the small businesses of the up-and-coming entrepreneurs by giving them the compensation for as many subscribers they could have for their channel. The study on You Tube’s popularity revealed that the viewers of You Tube channels find the content that is published on it as more authentic and they could relate to it more easily as compare to the content that is telecasted over the television.

Internet videos are the most accessible application and most popular one in the smartphones. It is a personalized television where the viewer has full autonomy to decide what to watch and when to watch. You Tube can be watched from any device including smart TV., smart phones, I pad etc. The speed of streaming and the quality of videos that are uploaded on You Tube are the two areas where an improvement is needed in order to transform it into new age television. Alone YouTube attracts tons of viewers and billions of videos are pulled daily by the internet users. You Tube has successfully enchanted the Millennials as the content it offers is far wider in scope and varied than compare to a television.

Internet videos and other digital media has risen in popularity because of the advent of the much handy devices that can be developed on a chip. With all the technological advancements that lead to the fading of traditional methods of entertainment, TV still holds 70 % of viewership because of the high budgets and bigger canvas on which it plays and also because of its mass pervasiveness. However TV is just not about anything whereas You Tube is all about anything which we want to see anywhere.

Video streaming has also diversified into advertising world. It plays the ad just before a video clip and may be between the clips, however the good thing is viewer has the full control to skip the ad while it is playing whereas television does not authorize a viewer with this. The feature which is remarkably distinguishing is the ‘share‘, you can share the content you are watching with anyone be it on WhatsApp, Facebook or Twitter. The war of television and Internet video streaming will be won by the potential contender which can create such engaging channels that could cling onto the minds of the audience and are more relatable. The way digital media is diversifying both Television and YouTube would re vamp their look and accessibility and will reach the widest audience. 

Considering all this above do you think that Internet is winning race against Television?