Travelling means different to different people. It can be for work, relaxation, rejuvenation, adventure, or just exploring the world. Whatever your motivation, after a stressful work-life balance, a trip to your favourite destination with your family could be all you need to come back all charged up.

Having said that, you cannot ignore the obvious risks and potential hassles related to travelling. For example, you may have to cancel your trip at the last minute due to unavoidable circumstances, or you may lose your baggage during transit. Also, you cannot overrule the possibility of falling sick during a trip. All such events can affect your travel budget significantly. This is where a robust travel insurance plan comes into play as it offers complete financial protection in the face of a mishap. 

However, just buying travel insurance is not enough. You must ensure you buy it from an insurer who will help you during a crisis. Your insurer must have a high claim settlement ratio and promise a smooth claim process.

ICICI Lombard travel insurance claim process

It is critical to understand whether your policy covers the unfortunate incident that occurred during your trip. Proceed with the next steps only after you have confirmed this:

• Notify the Assistant Service Provider (ASP) assigned to you soon after the incident that necessitated the claim filing. The service provider number will be provided to you at the time of policy purchase. You can also find this number on the ICICI Lombard travel insurance page. 
• Provide the required documents. For example, if the claim is for a trip extension, documents supporting the reason for the extension such as a medical report or certificate if the extension is due to illness are required.
• Fill out the claim form correctly.
• The ICICI Lombard claim team will review and verify your information before settling the claim. If the settlement is to be made in foreign currency, the exchange rate will be used.

The pandemic has altered many of our behaviours, especially how we travel. With the COVID-19 lockdown extending for nearly a year, most travellers found their options limited, which has changed their outlook on travel. People are more careful with travel, but they want to travel.

Now more than ever, travellers are researching their destinations before leaving and looking to the travel industry for directions. Where can they go? Is the current situation safe? Are the COVID protocols followed? In response, travel companies worldwide have found themselves emphasising cleaning protocols, allowing more flexibility in itineraries, waiving off cancelling/rescheduling fees, and keeping travellers updated on changing regulations. 

To find out more, ICICI Lombard, a leading travel insurance provider in India, recently conducted a survey to understand the mindset changes regarding travel post the pandemic. The reports show notable differences in travelling behaviour across age groups, demographics, the reasons for travel and travel destinations.

The survey also revealed that over half of respondents plan to travel post the pandemic, and over 94% will purchase travel insurance for their trip -giving rise to a new breed of 'safety-first' travellers.

As travel continues to evolve, here are the broad travel trends that we'd possibly witness in the post-corona era:

Most popular travel destinations post pandemic

USA, Canada and Europe most sought-after international travel destinations by Indians post Omicron



Older age groups are travelling closer to home as compared to youngsters

Most common reason for travel post pandemic

Travelling for business (1.2x) and medical (2x) reasons increased while dropped for education/ holiday trips



Younger age group mostly travelling for education while older age group for holiday and business

Emergence of 'safety-first' travellers

Indians become more self-conscious towards buying travel insurance

Before the pandemic, even though the awareness of travel insurance policies was 76%, only 50% purchased a travel insurance policy unless not mandatory. 

But this attitude has changed significantly since the outbreak of the virus. Today 90% of people are concerned about their health while travelling. This has increased the number of people purchasing travel insurance from 50% to 76%.

Awareness on availing travel insurance policy on international trip:

• Pre-pandemic - 76%  
• Post pandemic - 90%

Travel insurance purchase behaviour 

Post pandemic, 64% - travellers consciously searched for a travel insurance before their international trip vs 54% - travellers in the pre pandemic years. Only 22% bought as it was “mandatory with flight ticket”.

Since travellers are now aware of the risk of not being covered, travel insurance becomes as essential and, in some cases, as necessary as having a valid passport. The demand for pandemic coverage has also led the insurance industry to create new products to meet those needs.

Today an international travel insurance plan typically covers medical expenses for COVID-19, trip protection & baggage coverage, emergency medical care & evacuation. These policies also include coverage of trip interruption and delay coverage if the policyholder contracts COVID-19 while travelling.
As people resume travelling again, armed with vaccinations and travel insurance policies, Covid coverage is the key reason for buying travel insurance for most respondents.

Travel insurance as necessary as a valid passport

Post covid, medical expenses including Covid coverage no.1 reason to buy travel insurance 

In conclusion

People's outlook while travelling abroad have changed significantly post the Covid-19 virus outbreak. The pandemic has driven travel insurance from a commodity to a necessity. Customers have intentionally started seeking out travel insurance to remain covered in case of any unfortunate events during their trip. Both awareness and adoption to opt for travel insurance has increased significantly post-pandemic.

Covid coverage is the critical benefit travellers seek while looking for travel insurance – not just medical coverage but even for non-medical coverage such as hotel & trip extension. Post pandemic, the future of travel will include reassuring these ‘cautious’ travellers in many ways. Just as 9/11 changed air travel measures worldwide, the pandemic is making travellers more mindful of health & hygiene protocols during their trips abroad.

Traveling to new or unexplored places is both thrilling and expensive. Trips, especially those taken overseas, can be full of surprises—some pleasant while some could be nerve-wracking. This is why it is very important to secure your trip with travel insurance before you board that flight.

Today, many insurance companies offer customized travel insurance plans to suit your specific needs. Here's what you need to know about them.

About Travel Insurance

Travel insurance helps you cover unpleasant situations that may arise on an international trip by compensating you financially for your losses. These include passport loss, flight cancellation/delay, hotel extensions due to lockdown, medical emergencies, Covid emergencies, and more.

Different types of travel insurance

Based on your travel frequency, the insurer provides you with an option to choose between single-trip travel insurance and multi-trip insurance.

· Single trip travel insurance

A single trip policy is an international travel insurance policy that only covers one trip. The policy's coverage begins the day your flight takes off and ends when you return home from your trip.

· Multi-trip travel insurance

Multi-trip travel insurance is a type of international travel plan suited for frequent travelers. The policy covers multiple journeys to the same or different destinations up to a certain number of days.

Benefits of travel insurance

A travel insurance policy offers numerous advantages. A few of them are detailed below:

1. Coronavirus cover

It is practically impossible to find a country that has been spared from the COVID-19 pandemic. In light of the pandemic, whether you are traveling domestically or internationally, the risk of contracting the virus is high. Travel insurance that covers medical emergencies including Covid will help you take the financial burden that may arise due to coronavirus infection.

2. Baggage cover

Another great benefit of travel insurance is baggage cover. Imagine paying for items that you had already packed in your bags, lost due to someone else's error. In such situations, travel insurance comes into the picture. Here's how:

• If your luggage is misplaced or stolen, the policy will cover the cost of essentials such as toiletries, medicines, and clothing.

· In the event of delayed baggage, travel policies usually cover the costs of necessities until your luggage is returned.

3. Medical cover

Medical coverage in a travel insurance policy has a broad definition. Let's start with the most crucial thing first. If you are travelling outside of India, then your active medical insurance policy will be useless in case you fall sick. Why? Because most health insurance policies cover the cost of medical treatment only if it is taken within the country.

Now let's talk about the situations covered by your travel insurance.

If you meet with an accident or become ill due to a change in weather conditions on your trip abroad, the travel policy will cover the cost of the immediate treatment.

• Travel insurance also pays for emergency medical evacuation if your medical condition requires long-term therapy and local doctors recommend treatment in your home country.

· If you become unwell and are admitted to the hospital, the insurer will cover the cost of the compassionate visit. Make sure you check the clauses related to this point with the insurer before purchasing the policy.

If you're traveling abroad after the pandemic, it is best not to overlook the need for travel insurance. Some travelers believe that travel insurance is optional, but in fact, almost 34 countries need travelers to purchase travel insurance before entering their territories.

Owning travel insurance on your international trip, avoid difficult situations due to passport loss, flight cancellations, lockdowns, medical emergencies, baggage loss, etc.

Few countries where travel insurance policy is mandatory:

• Cuba
• The United States of America (USA)
• The United Arab of Emirates (UAE)
• Turkey
• Russia
• Qatar
• Antarctica
• Ecuador (including Galapagos Islands)
• Schengen countries (a group of 26 central European countries)

Top benefits of purchasing travel insurance when traveling abroad:

• Medical Assistance

The health benefit aspect of travel insurance is one of the key reasons it is essential for foreign trips. Medical emergencies are unforeseeable. If you don't plan for it beforehand, you can face financial turmoil. Travel insurance covers hospitalization and pharmacy bills. The policy further helps you if you are diagnosed with COVID-19 while on a trip. Travel insurance also covers prolonged international stays due to unavoidable circumstances.

Given the threat COVID-19 poses for the older age groups, you must take all precautions to safeguard your parents from any unpleasant conditions that could arise on their trip abroad. Here are the things to keep in mind while purchasing international travel insurance for your parent’s trip:

1. Check the list of coverage

There are various travel insurance products available in the market. Before you purchase travel insurance for your parents, thoroughly check the list of policy inclusions. Most importantly, check the maximum entry age with the insurer. Typically, travel insurance covers the following:

• Flight and/or hotel reservation cancellation:

If your parents wish to cancel or postpone their planned trip due to a medical condition, travel insurance will compensate for the losses incurred on the flight & hotel reservation.

• Trip cancellation:

Travel insurance also covers trip cancellation due to the sudden demise of a close family member.

• Trip extension:

As the world is still battling the COVID-19 pandemic, the possibility of a sudden lockdown at your destination is high. With travel insurance, the insurer assists you with policy extension in case you are stranded at your travel location.

• Medical coverage including COVID 19:

A travel insurance policy covers the expense of treatment if your father, mother, or both are diagnosed with COVID-19 during their trip abroad.

2. Check for medical coverage

Most health insurance policies are worthless if your parents fall ill and seek medical care outside India. Therefore, it's crucial to check with the insurer the scope of medical coverage included in the travel insurance. You must also read the policy's fine print to understand if there are any hidden clauses.

Yes, travel insurance these days does cover health emergencies due to coronavirus. Since the outbreak of the COVID-19 pandemic, many insurers have started including COVID-19 coverage in their travel insurance policies. If you are wondering what is exactly covered as part of the coronavirus cover, this article is for you. Keep reading.

1 . Medical treatment

 Because of how the virus has spread, one can't avoid the fact that they're always at risk of contracting the disease. The situation gets significantly worse if you develop COVID-19 while travelling abroad. The high cost of healthcare facilities and services worldwide can often be a source of anxiety for many travellers. However, with travel insurance, you need not worry about the COVID-19 treatment costs.

2. Unexpected lockdowns

Given the current situation, it is too early to say whether or not a lockdown will be implemented in the future. However, consider a case where you'd be left stranded on vacation abroad because the country declared a nationwide lockdown due to COVID-19. Under such circumstances, flight delays or cancellations are significantly risky. A travel insurance policy covers your trip extension and any losses incurred due to flight cancellation. 

When travelling abroad, make sure that medical travel insurance is among the first five things on your shopping list. In fact, many countries refuse entry to visitors who do not have it. Medical travel insurance policies come with a host of benefits such as:

1. Family emergency

There might arise a situation when you have to cancel your trip due to a medical emergency or a death in your family. In this scenario, the travel insurance will compensate for the losses incurred due to trip cancellation.

2. Repatriation costs

Imagine a situation where you fall sick and need continuous medical attention while on a trip. You may want to cut short your vacation and head home to pursue treatment in your home country, which means additional costs to buy an earlier return ticket. This is where a medical travel policy comes in handy. It covers the expense of repatriation, and the insurer will make the appropriate arrangements to assist you in returning to India.

3. Replacement to regular medical insurance

Even if you have health insurance with various add-ons, it will be of no use in a foreign country. Your medical plan is valid only in India. However, this is not the case with medical travel insurance. If you fall sick abroad due to changes in climatic conditions or some other reason, the insurer will cover the treatment costs.

Travelling is a refreshing experience, especially if you are visiting another country for a vacation. But, just like any change, travelling comes with its own set of inconveniences. A change of climate, food, or travel-related exhaustion can lead to common cough and cold, or you may even fall severely sick or be injured. During such trying times, getting hospitalised or availing of medical treatment in a foreign country can drain you off your funds. As a precaution get yourself travel medical insurance before you set out on your journey. This would help you to meet the healthcare expenses if required so that you can travel stress-free. Note, that travel medical insurance or health insurance for overseas travel differs from regular health insurance. Keep reading to know more about travel medical insurance in detail.

A travel medical insurance would cover the cost of emergency medical treatments or injury as per the limits of your policy. You will find that most of the domestic health insurance policies are not valid abroad, so you have to buy additional travel medical insurance. This insurance would be active only as long as you are travelling. With travel medical insurance, you will get foreign language help if you are not comfortable communicating in the country’s official language. Your insurance provider will facilitate it in case you have any problems related to communication. In certain countries, it is compulsory to show proof of travel medical insurance for entry permits.

Coverage under medical insurance for overseas travel

Travel medical insurance covers emergency medical treatments including:

• Bone fractures
• Heart attack
• Stroke
• Emergency dental procedures
• Medical evacuations
• Emergency transport
• Emergency repatriation
• Ambulance service
• Doctor consultation fees
• Hospital and operating room charges
• X-rays, examinations, treatments, lab tests and anaesthesia
• Drugs and medicines
• Emergency medical evacuation or arrangements for sending back the patient to the domestic country

There are two types of health insurance for travel abroad

• Stand-alone plan for health insurance for abroad

It covers emergency medical and dental expenses that you may have to pay for while travelling. It will not include any other expenses related to travel insurance. Travel medical insurance will cover medical emergencies while travelling such as a sprained ankle, fracture, injury etc. while sightseeing. It will not cover non-emergency issues or regular treatment procedures.

• Comprehensive travel insurance cover

In addition to emergency medical benefits, a comprehensive travel insurance package plan provides coverage for trip cancellation, trip delay, emergency medical evacuation, baggage loss etc.

You can buy travel medical insurance as primary or secondary coverage, depending on your requirements. If it is the primary coverage, it will pay for the expenses irrespective of any other health insurance that you have. If you have existing health insurance and buy travel medical insurance as secondary coverage, you have to claim from the primary health insurance first. You can claim the balance amount from the secondary cover.

If you travel to a country where your domestic or primary health insurance is not valid, then the secondary travel medical insurance will become the primary coverage due to lack of other insurance. Take care to know about the policy rules for evacuation in case of a medical emergency. Some policies may require a minimum period of hospitalisation abroad before you are evacuated.

Everything about a trip to the Kingdom of Saudi Arabia spells exotic and generous. And the cuisine of this land is no exception. A blend of wheat, rice, milk, chicken or lamb, dates, yoghurt and potatoes, delicately flavoured with rich aromatic spices, is typically what Saudi food consists of.

The cuisine varies from province to province, although some dishes such as the national dish of Saudi Arabia, are found across the Kingdom.  

The warmth, generosity and sense of sharing that are the hallmarks of Saudi Arabian culture are amply reflected in the food of the people here as well. And perhaps the best example of this culture is a dish called Kabsa. Any culinary trail to explore Saudi Arabia’s food culture would be incomplete without a proper mention of Kabsa which is considered as the national dish of the kingdom, and with good reason.

The Origin of Kabsa

The roots of Kabsa trace back to the Bedouin tribes of the Arabian Peninsula. These nomadic communities created the dish using accessible ingredients: rice, meat (commonly lamb or chicken), and a medley of spices. The term "Kabsa" is derived from the Arabic word 'kbs,' meaning 'press,' alluding to the traditional method of cooking where all components are combined in a single pot.

The Ingredients of Kabsa

To understand what makes Kabsa so special, let us see what goes into the making of this dish. At its heart, the traditional Kabsa is a simple preparation of wholesome, hearty Saudi food staples of rice and meat, cooked with potatoes and vegetables. All these main ingredients are brought together with the warmth of aromatic Arabian spices such as black pepper, cloves, cardamom, saffron, black lime, bay leaves, and nutmeg. This spice mix is what lends that beautiful distinctive flavour to the dish. One mouthful and you immediately get a feeling of immense satisfaction.

The secret of a really good Kabsa is selecting and using the finest of ingredients from fragrant long-grained basmati rice to the best of spices and the skill of cooking the dish to perfection so as to bring out its perfect rich flavours and texture.  

Significance of Kabsa in Saudi Culture

Kabsa is an intrinsic part of the region’s culinary heritage as it is arguably the best representation of traditional Arabic cuisine. Kabsa truly does justice to its popularity and pride of place as Saudi Arabia’s national dish.

Kabsa, for the Saudi people, is not just a dish but a symbol of hospitality and unity that they have inherited from their ancestors and culture. Traditionally prepared for special occasions, family gatherings, and festive celebrations, the dish is all about sharing goodness with one’s friends and family. This shared aspect of Kabsa is also underlined in the way it is served, with people forming a circle around a large plate to share meals and laughter.

Best Places to Try Kabsa in Saudi Arabia

As one of the most popular and traditional Arabic dishes and of course, being the national dish of Saudi Arabia, Kabsa is widely available across the country from Jeddah to Riyadh. You can definitely sample this dish at fine dining restaurants and food courts. However, the most authentic experience to try the traditional Kabsa would be at the home of a local. Make friends with your local guide and see if you are lucky enough to get invited to dine with his family.     

While in Saudi Arabia, you should also try out some of the other authentic Arabic dishes such as falafel, saleeg, hainini, and mutabbaq.

Conclusion

When you plan for your trip to Saudi Arabia, you should ensure that your travel checklist includes buying travel insurance. Having Travel Insurance for Saudi Arabia is as important and mandatory as having a valid passport and getting your Saudi Arabia Visa. Make sure you buy international travel insurance before you leave India because it is a necessary travel safeguard to protect your finances in times of unforeseen crisis.

Ensuring your overseas trip with single trip travel insurance will allow you to explore the sights and sounds of a foreign country with total peace of mind, knowing you are covered just in case any mishap occurs such as loss of luggage or even if your trip itself gets cancelled.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Brazil is a vibrant, full-of-life, sports-crazy nation, the largest in South America, and famous for its beaches, nightlife, samba, and the flamboyant Rio Carnival of course.

There is a lot that is well known and world-famous about Brazil but Brazil’s unique culture and traditions are not so widely known. In this blog, we will discuss some of the most intriguing facts about Brazil.

Interesting Facts About Culture in Brazil

Here are some quirky, fascinating, and lesser-known facts about Brazil, its culture and society so that you know exactly what to expect when you visit this vibrant country. Being aware of these facts is not only fun, it can also help you to appreciate the cultural nuances better when enjoying the various sights, attractions, and experiences in Brazil.

Fact #1: World’s Largest Portuguese-Speaking Nation

Brazil being a Latin American country, visitors quite often mistakenly assume that most people in Brazil speak Spanish. It is actually Portuguese and not Spanish, which is the country’s official and most widely spoken language. In fact, Brazil is the world’s largest Portuguese-speaking country, and this is because of its 300-year-long history with Portugal. Brazil was a Portuguese colony till the early 19^th century.  

Fact #2: Eclectic and Diverse Ethnic Culture

The population, culture, and cuisine of Brazil are truly a global melting pot since it is made up largely of immigrant cultures from countries as far apart and diverse as Japan, Italy, Syria, Germany, Korea, Lebanon, and China. In fact Sao Paulo is said to have the largest population of Japanese outside of Japan. Brazilians today are descendants of three main ethnic groups – Europeans, Africans and Amerindians. All of this comes together beautifully to lend a unique vibrancy to Brazil’s culture.

Fact #3: Brazilian Samba dates back to the 1800s

Music and dance are an integral part and a way of life for Brazilians young and old. The biggest proof of this is the world’s largest carnival hosted every year in March in one of Brazil’s largest cities, Rio de Janeiro. Brazil has given the world many popular music and dance styles, including the energetic samba developed in Brazil sometime in the 1800s.

Fact #4: Brazil is a Global Biodiversity Hotspot

Home to an estimated four million plant and animal species, Brazil is one of the most sensitive and important biodiversity hotspots in the world. A large part of this biodiversity is attributed to the Amazon Rainforest, 60% of which lies in Brazil.

Fact #5: 2.5 million Brazilians Live in the Middle of the Amazon Rainforest

Situated in the heart of one of the most dense rainforests on Earth, is the northwestern Brazilian city of Manaus on the banks of the Negro River. Amazon’s largest city and an important port, Manaus is a well-developed and bustling urban centre that is home to around 2.5 million people. But what makes its location unique is that the metropolis is completely surrounded by the Amazon Rainforest.

Fact#6: Carnivals are the Heartbeat of Brazil

Home to the Rio Carnivals, one of the grandest celebrations ever, Brazil is known for its extravagant galas. The streets of this country come alive every year with parades, samba dances, and colourfully dressed locals. Carnival is rooted in the history of Brazil and is a blend of African and Portuguese heritage that defines the essence of this country.

Fact#7: Soccer is a National Obsession

Soccer or football is more than a sport in Brazil. As the winner of a record 5 FIFA World Cup trophies, and the home of legends such as Pele, Zico, and Neymar, every street corner in the country is populated with soccer lovers, fans, and aspiring players.

Fact#8: Feijoada, the National Dish

Feijoada, a stew made with beans, pork, and beef, is a hearty blend of vegetables, meat, and spices and is the national dish of Brazil. It is served with rice, greens, and oranges.it represents a rich culinary heritage influenced by African and Portuguese cooking traditions.

Fact#9: Brazil’s Martial Arts and Dance

An unparalleled blend of martial arts and graceful dancing, Capoeira is a dance that originated in the African slave settlements in Brazil. The dance accompanies the music from traditional instruments such as berimbau and pandeiro. Capoeira embodies the spirit of Brazil that emphasises celebrating life irrespective of one’s condition.

Fact#10: Brazil is a Coffee Haven

Brazil is the largest producer of coffee beans. A cup of “cafezinho” or small coffee, is essential to Brazil’s hospitality. It is served to guests and tourists as a symbol of warmth and familiarity.

Fact#11: Brazil’s Religious Landscape is Incredibly Diverse

Home to Roman Catholics, the largest religious group in the country, Brazil also has indigenous spiritual traditions such as Umbanda, Candomble, and a blend of local and Christian beliefs. Many of these religions originated in the medieval period and showcase the syncretic heritage of Brazil.

Fact#12: Brazil Has a Vibrant Film Industry

Inspired by the social and cultural heritage, films in Brazil have powerful storytelling and are well-received worldwide for their balance of modern subjects and traditional elements. Movies like Limite, Cidade de Deus (City of God), and The End of Man are all-time classics that represent the experimental and creative spirit of the country.

Fact#13: Brazilian Literature is One of a Kind

Brazilian literary tradition is considered iconic, enriched by its complex history, and popularised by several national authors who have become global phenomena. Writers like Jorge Amado and Paulo Coelho are popular figures in the literary world.

Fact#14: Brazil Produces Acai, a Superfood

Acai, a purple-coloured berry growing in the Amazon rainforest, is a part of traditional Brazilian meals. It is considered a nutrient-rich natural food that has risen to popularity worldwide in recent years.

Fact#15: Barbequing is a National Passion in Brazil

Barbeque, known as “churrasco” in Brazil, is considered a leisurely activity and an art. Meat lovers enjoy beef, chicken, and pork grilled at home or rodizio-style steakhouses which are popular all over Brazil.

FAQs

1. What is Brazil famous for?

Brazil is famous for its carnivals, samba music and dance, soccer, traditional food, and natural wealth.

2. What is the most important festival in Brazil?

The Rio Carnival is one of Brazil's most important national festivals that attracts tourists from all over the world.

3. What is the best time to visit Brazil?

The best time to visit Brazil is during the dry weather- from May to September when the conditions are pleasant. For people planning to visit the carnival, February or March is the ideal time.

4. Is Brazil safe for tourists?

Though Brazil has a high crime rate, its tourist spots are considered safe. Visitors are advised to remain in populated areas and plan to ensure safety.

5. Is it easy to travel between cities in Brazil?

All major cities in Brazil are well-connected with several domestic flights and buses for long and short distances.

6. What are the best natural attractions in Brazil?

Amazon rainforest, Iguazu Falls, Chapada Diamantina, Fernando de Noronha archipelago, and Lencois Maranhenses National Park are some of the must-visit natural attractions of Brazil.

7. Is Brazil expensive for tourists?

Yes, a trip to Brazil can be costly as it is one of the most expensive countries in South America. It is advisable to plan trips well before time and buy travel insurance online to make your trip to Brazil affordable and safe.

Conclusion

When planning your trip to Brazil don’t forget to buy travel insurance. Having travel insurance is as important and mandatory as ensuring that you have a valid passport and a visa to visit Brazil. Make sure you buy travel insurance for Brazil before you leave India because it is a necessary travel safeguard to protect your finances in times of unforeseen crisis. Insuring your overseas trip will allow you to explore the sights and sounds of a foreign country with total peace of mind, knowing you are covered just in case any mishap occurs such as an accident, loss of luggage or even if your trip itself gets cancelled. 

While you visit all the amazing places in Brazil make it a point to try some of the authentic local dishes such as Feijoada, a delicious stew-like preparation of black beans cooked with meat and served with steamed rice, leafy greens, crisps, fried bananas and orange slices. Said to have been brought to Brazil by African slaves, Feijoada is widely considered as the national dish of Brazil and is definitely worth a try.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information. 

A little effort here and there is all that is required to maintain your Maruti Wagon R. With scheduled maintenance regimes, it ensures that the longevity of the car increases.

The owner’s manual of the Wagon R has clear instructions at timely intervals after which the car needs to be taken to the service centre for maintenance. However, apart from that, g buying a car insurance policy for your car is non negotiable. There are various tips that you can apply to help maintain your Wagon R too.

Tips to Maintain Your Wagon R

Here are the tips that you can follow to keep your Wagon R well maintained:

Battery: When the engine is turned off completely, you should take look at the battery of the car. The exterior of the battery must be checked for corrosion. If found corroded, mix baking soda with warm water to clean it off. Fill distilled water in the battery for it to last longer.

Engine: Engines are known as the driving force of the car. The smooth functioning of the mechanical parts of the engine depends on the engine oil. Therefore, the engine oil must be checked and changed at regular intervals. If not changed regularly, then it may cause friction between the parts which may result in it to wear out. The owner’s manual lists a set of lubricants that can be used. With this, the oil pressure and fan belt should also be examined.

Tyres and Wheel Alignment: It is a must to get the tyre pressure checked regularly. The best time to get it done is when you visit the gas station for refueling. Incorrect tyre pressure affects the mileage of the car. Wheel alignment is also equally important since it ensures a better grip on the road and improvement of the life of the tyres.

Seychelles is a beautiful island nation in the Indian Ocean, made up of 115 islands known for their stunning beaches and lush rainforests. As an island country, Seychelles does not have an extensive local public transport network, so travellers rely on boats, buses or flights to move between islands. However, the best way to explore the islands’ natural beauty is by hiring a car and driving around.

If you’re planning a trip to Seychelles, these driving tips will help make your journey safer, smoother and more enjoyable.

Driving conditions in Seychelles

Driving in Seychelles can be safe but differs from what you may be used to. Main roads on islands like Mahe and Praslin are narrow, winding and often hilly, especially near coastal and mountain areas. While most roads are in good condition, some rural roads have potholes. Limited street lighting means extra caution is needed when driving at night. Traffic is light, but adjusting to left-hand driving can be challenging. Stay alert for sharp bends, pedestrians, animals and parked vehicles.

Driving rules and road signs in Seychelles

In Seychelles, driving is on the left side of the road, and seat belts must be worn by all passengers. The minimum driving age is 18, and to rent a car, you need a valid driving licence along with an international driving permit (IDP). Speed limits are usually 40 km/h in towns and 65 km/h on open roads.

Road signs are displayed in English and follow international standards that include stop, yield, no entry, speed limits, pedestrian crossings, sharp bends and steep inclines. It is essential to obey all traffic rules, avoid using mobile phones while driving and never drive under the influence, as penalties for violations are strict.

Top tips for driving in Seychelles

Here are some tips to keep in mind before hiring a car in Seychelles:

1. Driving Permit

You do not need an international driving permit to drive in Seychelles; a valid driving licence issued by your home country is sufficient. The legal minimum age to drive in Seychelles is 18 years. However, most car rental companies require drivers to be at least 21 years old, and some may impose additional age restrictions or fees for drivers under 23. It’s important to check the specific rental company’s policies before booking to ensure you meet their requirements.

2. Keep Left

Similar to India, Seychelles also follows left-hand driving with vehicles having right-hand steering, so ensure you keep to the left side while driving. The roads of Seychelles are narrow and one-laned, so make sure you give first preference to vehicles on the right.

3. Keep the Speed limit in mind

The speed limit in Seychelles is 40 km/h in cities and areas with heavy pedestrian traffic, while it is 60 km/h on open roads and highways. Locals driving in Seychelles are rough and aggressive; they overtake suddenly and do not respect traffic laws, so it is important you stay vigilant while driving.

4. Avoiding Driving at night

The roads of Seychelles are narrow with steep hairpin curves and steep mountainous slopes. A lot of roads even lack street lights, which makes it difficult to drive post sunset. The cars available in Seychelles are also not equipped with GPS navigation, which is why it is not advisable to drive in Seychelles at night.

Role of travel insurance while driving in Seychelles

Before you plan your holiday, make sure you purchase an overseas travel insurance policy online along with your Seychelles visa. A Seychelles travel insurance will protect you against any accident or loss of passport, or luggage that may happen on your trip. Some policies also offer rental car coverage, helping you avoid significant out-of-pocket expenses in case of an accident.

To choose the best travel insurance, fill out the form on this page and receive expert recommendations tailored to your needs.

Conclusion

Driving in Seychelles offers a unique and memorable experience, but it also presents certain challenges. Having comprehensive travel insurance can ease your concerns and let you enjoy your trip fully. Whether you're embarking on a scenic coastal or mountain drive, or just a single trip, opting for single-trip travel insurance ensures you’re protected every step of the way.

FAQ

Is travel insurance required for Seychelles?

Travel insurance is not mandatory for entering Seychelles; however, it is highly recommended. It provides financial protection against unexpected events such as medical emergencies, trip cancellations or lost luggage, ensuring a safer and more worry-free journey.

Does travel insurance cover rental car damage?

Yes, many policies cover rental car damage, but it’s best to confirm the details with your insurance provider before you travel.

What is the minimum driving age in Seychelles?

The minimum driving age is 18 years.

Do I need an International Driving Permit (IDP) to drive in Seychelles?

If your licence is not in English or French, you should carry an IDP along with your national licence.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

One of the exciting things to look forward to when travelling to a new country is checking out local food and tasting new cuisine. It is interesting to experience what type of food people eat in different parts of the world.

So before you grab your bags, your Saudi Arabia travel insurance papers, and your passport duly stamped with the Saudi Arabia Visa and head to the airport, here’s a bit about the food culture you will find there.

Introduction to Saudi Arabian Cuisine

Saudi Arabian cuisine varies from province to province, although some dishes are found across the Kingdom. A typical Saudi meal is a blend of wheat, rice, milk, chicken or lamb, dates, yoghurt, and potatoes, delicately flavoured with rich aromatic spices. 

Take a look at some of the traditional Saudi dishes that are definitely worth a try when you’re visiting Saudi Arabia.

Popular Traditional Dishes in Saudi Arabia

Saudi Arabian cuisine is characterised by its aromatic spices, hearty ingredients, and traditional cooking methods. Eating together- with family and communal dining are important aspects of the food culture of Saudi Arabia. Here are some dishes you cannot miss on a tour of this country.

Traditional Breakfast in Saudi Arabia

Breakfast in Saudi Arabia is hearty, featuring dishes that provide energy for the whole day. Some traditional food items include:

• Foul Medames:

  A Savoury dish made from cooked fava beans seasoned with lemon juice, garlic, and olive oil. It is typically enjoyed with bread and is a staple in many households.

• Fatayer:

  Flaky pastries filled with ingredients such as spinach, meat, or cheese. These are popular for their convenience and flavour, making them a common choice for breakfast.

• Shakshouka:

  A flavourful dish consisting of eggs poached in a spiced tomato sauce, often enhanced with cumin and paprika. It is commonly served with pita bread for dipping.

Main Dishes in Saudi Arabian Cuisine

The main courses in Saudi cuisine are rich and aromatic, often centered around meat and rice. Notable dishes include:

• Mandi:

  Originating from Yemen but widely popular in Saudi Arabia, Mandi consists of meat (commonly lamb or chicken) cooked with rice and a mixture of spices. The meat is traditionally prepared in a tandoor, giving it a distinct flavour.

• Kabsa :

  This traditional dish is a wholesome combination of rice mixed with meat, vegetables, and potatoes, flavoured with spices like black pepper, cloves, cardamom, saffron, black lime, bay leaves, and nutmeg. Considered as the national dish of Saudi Arabia, Kabsa is an intrinsic part of the region’s culinary heritage. This surely makes it a must-try Saudi specialty!

• Saleeg:

  Saleeg is a delicate white rice-based dish cooked with broth and milk. It is usually served with a chili tomato sauce called ‘duggus’ along with pickled lemons. Saleeg is had as a winter comfort dish. While you will find many variations, it originally belonged to the Western Province of Hejaz.

Saudi Arabian Street Food

Street food in Saudi Arabia offers a variety of quick bites that are both satisfying and reflective of the country's culinary traditions. Popular street foods include:

• Mutabbaq:

  The Arabic name ‘Mutabbaq’ literally means folded. And that is exactly what this street food is – a folded, fried pancake stuffed with a lightly spiced mixture of minced meat, eggs, tomatoes, and onions. It looks something like a fluffy omelet folded and cut into squares. You will find this dish almost everywhere you go in Saudi Arabia. It is affordable, quick, and filling when you’re on the go.

• Sambusak:

  Another popular street food is sambusak or ‘samboosa’. This deep-fried snack will immediately remind you of our Indian favourite, the samosa! In Saudi, it is made with a variety of fillings such as minced meat, cheese and vegetables. If your taste buds are not feeling very adventurous towards foreign dishes, this is the perfect local snack to try out.

• Falafel:

  You may have tasted Falafel in India as this popular Arab street food is now available at many Middle-Eastern cafes and fast-food joints. But nothing like savouring the authentic Falafel right in Saudi Arabia. This deep-fried round snack is made of fava beans or ground chickpeas and served with pickled veggies. A great evening bite for the hungry tourist!

Traditional Desserts and Sweets in Saudi Arabia

Desserts in Saudi Arabia are rich and often have ingredients like dates, nuts, and aromatic spices. Some traditional sweets include:

• Ma’amoul:

  Delicate pastries filled with dates, pistachios, or walnuts. They are commonly enjoyed during family gatherings on traditional Saudi holidays and festivals.

• Luqaimat:

  Small, deep-fried dough balls soaked in sweet syrup, often flavoured with saffron or rose water. These are a popular dish during the celebrations of Ramadan.

• Kunafa:

  A dessert made with shredded phyllo dough layered with a creamy cheese filling, soaked in sweet syrup, and typically topped with pistachios. This is a loved sweet dish all over the Middle East.

• Hainini:

  Hainini is a delicious melt-in-the-mouth dessert made with world-famous Arabian dates. It is a preparation of flour, butter, and dates, mildly spiced with cardamom and saffron. Enjoy this sweet treat with a steaming cup of Arabic coffee. This is one combination you don’t want to miss during your food tour of Saudi Arabia.

Traditional Beverages in Saudi Arabia

Beverages are an important part of hospitality in Saudi culture, served with meals or separately during formal and casual gatherings. Traditional drinks include:

• Arabic Coffee (Qahwa):

  A lightly roasted coffee brewed with cardamom, often served without sugar and accompanied by dates. It is a symbol of hospitality and is integral to social rituals.

• Tea (Shai):

  Black tea, sometimes infused with mint or spices, is commonly consumed throughout the day and offered to guests as a sign of welcome.

Where to Try Traditional Food in Saudi Arabia

To experience authentic Saudi cuisine, you can visit the local restaurants and traditional markets and participate in cultural festivals where dishes from all over the country are served in one place. Cities like Riyadh, Jeddah, and Dammam offer various dining options in which you can taste the country's food heritage. Interacting with the locals and finding lesser-known regional specialties can also be a great way to truly appreciate the rich food culture of Saudi Arabia. 

 FAQs

Q: What is the national dish of Saudi Arabia?

A: Kabsa is widely regarded as the national dish, featuring spiced rice and meat.

Q: Are there vegetarian options in Saudi cuisine?

A: Yes, dishes like falafel, hummus, and various vegetable stews are popular vegetarian options.

Q: Is it common to eat with hands in Saudi Arabia?

A: Yes, traditionally, meals are enjoyed using the right hand, especially during communal dining.

Q: What is a typical Saudi dessert?

A: Ma’amoul, a pastry filled with dates or nuts, is a traditional and popular dessert.

Q: How important are dates in Saudi cuisine?

A: Dates are a staple in Saudi Arabia, often consumed daily and used in various dishes and desserts.

Conclusion

Whether you are a vegetarian or non-vegetarian, Saudi Arabia has a lot of delectable food options to offer tourists that will also fit easily into any budget. And while you calculate the expenses of a trip to Saudi, do not forget to buy travel insurance that will protect you in case of any unfortunate loss during your overseas travel. Go for international travel insurance that covers all your needs during a trip abroad, and get ready to indulge yourself in the flavourful culture of Saudi Arabia.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

updated on 28-03-2025

Over the past few years, South Korea has been a trending international travel destination. However, even though tourism has been on the rise and the country is welcoming more and more foreign visitors each year, there is a lot we still do not know or understand about South Korea’s cultural traditions and unique customs.

We did a bit of scouting around to come up with our own top 5 cool facts and quirks about South Korean culture, so you are better prepared on what to expect when you visit the country. Knowing these cultural facts is not only fun and fascinating, it can help you to better understand South Korea and conduct yourself in a socially acceptable manner during your visit.

15 Interesting Facts About South Korea

Here are 15 interesting facts that you should know before visiting South Korea-

Fact #1: A lot of South Korean Men Use Makeup Daily

Beauty and external appearance is a big deal in South Korean society. Both women and men are super conscious of their looks and go to great lengths to maintain what is considered a perfect appearance. Cosmetic surgery is quite common and some stats suggest that South Korea is the hub of cosmetic surgery in the world. It is also reported that eyelid surgery is the most common cosmetic procedure that most South Korean women go in for. As for many South Korean men, using makeup as part of their daily routine is not uncommon at all.    

 Fact #2: South Korea Has the Lowest Number of Overweight People in the World

Whether it is their healthy diet or genetics, South Korea along with Japan can be proud of the fact that the majority of its citizens are fit. These are the only two countries in the world with the least number of obese people.

Fact #3: Soju is South Korea’s National Drink

A clear drink that is somewhat similar to vodka, soju is the national drink of South Korea. Public consumption of alcohol is totally permitted in South Korea so don’t be surprised to find many South Koreans carrying cans of their favorite alcoholic drink and sipping it while on the go. 

Fact #4: Shops Remain Open Longer Than Restaurants and Cafes

South Koreans are crazy about shopping and it is something of a national past time. Testimony to this is the fact that the country has some of the largest shopping malls in the world. This also explains why bars, cafes, and restaurants in South Korea close by 11 pm whereas shops and stores stay open until 4 am for the convenience of die-hard shopaholics!

Fact #5: Taekwondo is South Korea’s Contribution to the Olympic Games

Taekwondo is a roughly 2000-year-old martial art that originated in South Korea and is even today the country’s most popular sport. In 2002 taekwondo was officially adopted and recognised as an Olympic sport. This martial art form is believed to have come about because of an ancient Korean warrior who developed a weapon-free style of combat using his bare hands and feet. Hence the name taekwondo which translates literally means “way of the fist and foot”. 

Fact#6: Kimchi is a National Treasure

Kimchi, the fermented vegetable dish popular worldwide, is integral to South Korean tradition. While in the country don’t forget to try some other authentic South Korean dishes such as tteokbokki which is a dish of red rice cakes, japchae or stir-fried glass noodles, gimbap or Korean-style sushi rolls, and South Korea’s famous iced desserts. A visit to South Korea will help you discover that there is so much more to traditional South Korean food than the national dish, kimchi.  

Fact#7: Korea Has a National Snack Day

Pepero Day, a festival that falls on 11^th November every year, is the National Snack Day of Korea. As 11/11 (November 11) looks like the Pepro sticks, a popular snack in the country, the day is dedicated to sharing Pepro among family, friends, and loved ones. Starting from 1997, the day is a warm celebration of food and personal bonds and is one of the most famous and unique festivals in Korea. 

Fact#8: Korea Has a Culture of Solitude

1 in every 3 people in Korea live alone. This cultural trend is on the rise and is labelled “honjok” (honja-solo, jok-people) and is embraced by youngsters and older people alike. People enjoy the isolation and indulge in solo trips, solo dining, and social media. Due to the popularity of single living, travel companies offer special packages known as “hon-cance” (solo vacation) to tourists travelling alone.

Fact#9: Korea is the Home to the Fastest Internet

South Korea is famous in the tech world for the blazing speed of its internet services, ranking at the top in the list of countries for best internet connectivity.  No wonder Korea is a haven for lovers of digital services and technology.

Fact#10: Education is a Priority

The education system in Korea is renowned for its competitiveness and rigour. Students are encouraged to take part in after-class academic activities known as hagwons. Academic excellence is a virtue instilled in children from an early age.

Fact#11: Cash is the Best Wedding Gift

Cash placed in envelopes is a traditional wedding gift in Korea. It is called chug-ui-geum or congratulatory money; the amount depends on how close the guest is to the bride or groom.

Fact#12: Tipping is Not Allowed

Do not be surprised if your after-meal tip gets you a cold shoulder in Korea. Tipping is not appreciated in the country as great service and hospitality are considered the minimum the consumer deserves, and the service provider offers them without additional charges.

Fact#13: Number 4 is Considered Inauspicious

Number 4 and “hanja” (death) in Korea have the same pronunciation, leading people to see the digit as unlucky. Buildings avoid using the figure for their floor, and houses with the number 4 in their address have a considerably low market value.

Fact#14: Electric Fan Death is a Common Fear

Many Koreans believe that sleeping under an electric fan can shorten their life. Due to this shared belief, fans in the country are often equipped with timers that automatically turn off the ceiling fan after a set time.

Fact#15: Bowing is Important

Bowing your upper body forward to greet the other person is a traditional part of Korean culture. The angel at which one bends signals whether you are greeting, thanking, or apologising. This is why the rules of bowing are taught at an early age and followed by Koreans in personal and formal interactions.

15 Other Fascinating Facts About South Korea

Some other interesting facts about South Korea are-

1. The DMZ is a buffer zone between North and South Korea. It is a protected region with heavy fortification, which has transformed into a tourist attraction due to its natural and historical richness.

1. Age is important in Korea and is a determining factor behind one’s role, responsibilities, and social status. It is important to be respectful to the elders, which is why Koreans always ask for your age before engaging in a conversation.
2. South Korea produces over 90% of the world’s total seaweed, which is an important part of the Korean diet.
3. The coffee culture in Korea is vibrant, with several beautiful and uniquely themed cafes serving specialised recipes and brews.
4. Using red ink to write someone’s name is considered unlucky in Korea.
5. South Korea has over 3000 volcanic islands resulting in its diversified ecology.
6. Despite its urban landscape, the country has 21 national parks that are home to a wide range of flora and fauna.
7. Karaoke or Noraebang is a popular element in South Korean culture and is one of the most common pastimes for the people.
8. The country experiences all four seasons- spring, autumn, summer, and winter separately, resulting in its varied natural beauty.
9. Confucianism, an ancient philosophical system, has had a huge impact on the social and cultural aspects of Korea and many traditional households still follow the teachings of Confucious.
10. Hanok, or the traditional houses of rural South Korea, are a wonderful part of the country’s scenic beauty. The buildings blend architectural skills and natural charm, making them a heritage site in many villages.
11. The country has stringent laws for garbage disposal and waste management. This has created clean streets and helped with the sustainable development of its high-tech cities.
12. The work ethics of South Koreans are commendable and the workforce in the country functions for considerably longer hours per week compared to the rest of the world.
13. Korea is famous as the nation of “morning calm,” describing its serene early mornings enjoyed by the residents.
14. Hanbok, or the traditional Korean outfit with its plain fit and rich colours, is a representation of the country’s culture, worn during special festivals and ceremonies.

FAQs

1. What is South Korea famous for?

South Korea is famous for K-pop, tasty foods such as Kimchi, high-tech innovations, and rich heritage.

2. What is the best time to visit South Korea?

Spring (April-May) and autumn (September-November) are the best seasons to visit South Korea due to the pleasant weather and beautiful landscape.

3. Is South Korea safe for tourists?

Yes, with its low crime rate and robust public transportation network, South Korea is considered a safe destination for tourists.

4. Do South Koreans speak English?

Koreans, especially the younger generation, are learning to speak English in urban areas.

5. What makes Korean food unique?

Korean food is popular all over the globe due to the richness and variety of flavours, traditional ingredients, and techniques that are rooted in the country’s heritage.

6. Can I buy travel insurance online for my trip to South Korea?

Yes, several trusted insurance providers offer travel insurance for South Korea on their websites to ensure a hassle-free trip.

Conclusion

Before you pack your bags and set off on your South Korean adventure, make sure that you  buy travel insurance. Having travel insurance for South Korea is essential. Overseas travel insurance is a necessary safeguard to protect you financially while travelling abroad. Just in case you find yourself in an emergency situation, such as being down with an illness, involved in an accident, or if your luggage or passport gets lost or misplaced or even if your trip itself gets cancelled, your travel insurance policy will kick in to cover the losses and cushion you from the financial impact.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Explore the unexplored wonders in our beautiful world

Our world is so full of wonders that new and amazing places are discovered every day, be that by professional photographers or amateurs. Different geographical locations, climatic conditions and even seasons offer the widest variety of natural wonders: pink lakes, stunning lavender or tulip fields, breath-taking canyons and mountains, and other places you can hardly believe actually exist! To visit these beautiful places you should buy travel insurance for protection against unforeseen circumstances and to have a tension free holiday!

Accidentally created during a well drilling, the Fly Geyser in Nevada, USA is a small geothermal geyser covered with thermophilic algae. These algae, which flourish in moist and hot environments, give the geyser its out-of-this-world appearance with hues of red and green.

Best known as “the eye candy of Zhangye”, the colourful formations of the the Zhangye Danxia landform area, sometimes smooth sometimes sharp, stand out against the greens and grays of the plains, looking grand and magnificent, vigorous and virile. Buy travel insurance for china to secure your trip.

A cave practically having a whole alternate universe, at least the nature part makes a trip to Vietnam's Hang Son Doong cave an adventure like no other. Having its own weather system with underground clouds, it has: daylight windows, stalagmites, rhinestone pools, excellent examples of giant cave pearls, and also, a newly discovered side passage full of fossils over 300 million years old!

Frozen in the depths of winter, the world’s largest salt flat is transformed into a giant sky-reflecting mirror during rainy season. The pools left over from this monumental prehistoric lake create a shimmering, illusory horizon and when it rains, the surface forms an incredible “mirror” which is used to calibrate satellites. If you are a frequent flyer, buy a multi trip travel insurance which covers you for multiple trip.

A must-see for any travel lover or Instagram addict, this Antelope Canyon of stunning cracks and corkscrews makes for a beautiful light show. The gushing rainwater, in the monsoons, rushes into the narrow passageways, making it one of the best places to visit in your holidays. Get the travel insurance for USA to secure your trip!

Known for its dense, evergreen forests and picturesque villages, the Black Forest is often associated with the Brothers Grimm fairy tales. The region’s largest town, Freiburg, is filled with Gothic buildings and surrounded by vineyards, making your holiday a memorable affair and get travel insurance for Germany which covers you for the entire trip.

Located in the city of Kitakyushu, Japan, Kawachi Fuji Garden is home to an incredible 150 Wisteria flowering plants spanning 20 different species. The garden’s main attraction is the Wisteria tunnel that allows visitors to walk down an enchanting tunnel exploding with colour and life. Choose a travel insurance for Japan and get all benefits of travel policy like coverage for baggage loss, flight cancellation, passport loss & more.

In few places can you experience every stage of the water cycle at once. Mendenhall Ice Caves is one such place. Here the water flows over rocks that are over a partially hollow glacier. Inside this hollowed-out glacier, you will find a blue ceiling and surreal views.

The IRDAI’s new guideline will ensure fair pricing of motor insurance products and will provide greater flexibility to the vehicle owners

A motor insurance policy consists of two parts - own damage (OD) cover and third party (TP) liability cover. While the OD part provides coverage for any damage caused to the insured vehicle, the TP part covers the policyholder’s legal liability arising due to damages inflicted to a third party individual or property due to his/her negligence driving.

Until recently, all car and bike owners had to buy an OD cover and TP insurance policy from the same insurer. However, on 21st June 2019, the Insurance Regulatory and Development Authority of India (IRDAI) declared via a circular that from September 2019 onwards, vehicle owners can choose to buy or renew a standalone OD cover from the insurer of their choice. All car and bike owners should buy a car insurance or a two wheeler insurance for their vehicle’s safety.

What was the previous industry norm?

In July 2018, the Supreme Court of India made it mandatory for all motor insurance companies to provide a comprehensive 3-year long TP insurance policy for cars and 5-year TP cover for two-wheelers. This was done to address the issue of non-renewal of policy by the vehicle owners after its lapse.

However, the Supreme Court’s mandate was applicable only for TP cover, and not for OD cover. Thus, vehicle insurance companies started selling bundled products that included a 3-year or 5-year TP coverage (as applicable) along with the 1-year OD coverage.

Since most insurers did not sell any standalone product, at the time of renewal, either the policyholder had to renew the OD cover from its existing insurer by paying the quoted premium or purchase another bundled plan – that will include a TP cover + OD cover – from any other insurer. Such a scenario created a misalignment in the motor insurance market. Let’s understand this with the help of an example.

Suppose while buying a new car, the dealer offers the customer a policy package of a 3-year TP and 1-year OD cover from insurer Z. A year later, at the time of OD renewal, the customer is bound to buy it from insurer Z as no other insurer will offer him/her a standalone OD policy.

This arrangement also meant that the customer has to stuck with insurer Z for 3 years, even if he/she does not get the coverage at a competitive price. This significantly compromised the bargaining power of consumers. The IRDAI’s new regulation aims to handle this issue.

What is IRDAI’s new arrangement?

In a circular dated 21st June 2019, the IRDAI stated that it is no longer compulsory for insurers to sell bundled TP and OD policies for cars and two-wheelers. It has also made it mandatory for the insurers to sell year-long standalone OD covers for both new and old vehicles.

Further, the regulatory body has given vehicle owners the flexibility of choosing their insurers, wherein the TP liability cover and OD cover can be purchased from the same or different insurance provider.

How to ensure your safety when you are walking on the road

According to the police data, 42% were pedestrians who died on Delhi roads in 2016. As per the Road Accidents in India-2016, 10.5% road users killed in road accidents were pedestrians. Though the fault has been attributed to mainly drivers, we need to take onus of our safety while walking on the roads. It is always a good idea to opt for Health insurance policy which keeps your medical & surgical costs covered after any accidents. Here are some walking safety rules to follow.

Walk on the Footpaths

Footpaths are meant for pedestrians - use them. You can use foot-over bridges or subways to avoid road congestion and fast moving traffic.

Walk Facing the Traffic

There could be places where footpaths are not available. When you walk on the side of the road, choose the side, so that you can face the traffic moving towards you. If there are two people who are walking past each other, the one facing the traffic should take the outer edge.

Cross at the Zebra When the Pedestrian Light is Green

Using a zebra crossing when the traffic light is green, keeps you safe. While crossing, look around and listen carefully to the traffic, so that you can rightly apprehend the moving vehicles.

Do Not Use Your Mobile When Walking on the Road

Using earphones, or mobiles, increases the incidences of road accidents, and the driver alone may not be responsible for it. While walking or crossing, keep the mobile phones at bay.