Categories
Finance

Getting Coverage Against Side Effects of the COVID-19 Vaccine

2021 is off to a good start as the COVID-19 vaccine is being rolled out across many countries. In Singapore, healthcare workers have already begun receiving their doses as the rest of the masses await their turn. While the availability of a vaccine is indeed a positive development, there have been reports of people experiencing side effects. In response to this, the Life Insurance Association (LIA), Singapore has announced that all seven leading insurers in the country will cover these side effects in their Integrated Shield Plans. Apart from this, insurers in the country have also launched unique COVID-19 vaccine insurance products for added coverage too. 

What are the side effects of the COVID-19 vaccine?

Some of the reported side effects of the COVID-19 vaccine include fever, chills, headache, pain in the joints, and swelling in the lymph nodes. In most cases, the symptoms tend to lessen on their own. In some cases, side effects may require hospitalization. Fortunately, you can now stay financially protected against the possibility of complications arising upon receiving your vaccination. Let’s find out more about COVID-19 vaccine coverage.

COVID-19 vaccine coverage

Even though the side effects of the COVID-19 vaccine are covered under your Integrated Shield Plan, you may also opt to buy additional COVID-19 vaccine coverage. COVID-19 vaccine insurance covers you for hospitalization expenses that may arise if you suffer from any side effects due to your vaccine. As part of your coverage, you will usually get a daily cash allowance if the side effects lead to hospitalization. This amount might be around S$100 per day for a fixed number of days. 

COVID-19 vaccine coverage can be purchased by anyone aged 18 years or above. Singaporean citizens, Permanent Residents (PR), and Foreigners holding valid passes are all eligible for coverage. 

Most importantly, some insurers are offering their COVID-19 vaccine insurance plans free of cost the first initial sign-ups. This is added incentive to get your protection as soon as possible. Once you sign up, your coverage should be valid until January 2022. 

How to buy COVID-19 vaccine coverage?

These days, the entire process of buying insurance has been simplified to a great extent. In Singapore, you can buy coverage from insurance websites or even on health and wellness apps. You can also get your COVID-19 vaccine insurance from these apps. All you need to do is download the app, register yourself, and fill up your details to secure yourself with a policy. COVID-19 vaccine insurance coverage does not even require any underwriting to be done. 

While it is not mandatory to take the vaccine, ensuring that you get your dose can be considered to be good practice. The vaccine can help keep you and those you love safe from infection. If each one does their part in staying safe, it will help keep infection rates low in the community at large. That, in turn, will reduce the burden on healthcare systems and lessen the risks faced by vulnerable groups of the population (such as the elderly and those with existing medical conditions). 

We hope that this article has improved your understanding of getting insurance coverage for the side effects of the COVID-19 vaccine. Do speak to your healthcare provider for further information on getting your vaccination. Take care. 

Categories
Fashion

Ripped jeans for women that would look extremely great on them

A good pair of jeans can really be a big blessing to your wardrobe. If you are someone who really wants to look good and style themselves well then it is very important for you to pick up the right pieces so that you are able to style things in a good manner. If you are passionate about the kind of clothes that you are wearing and you want to look stylish and classy then it is very important for you to choose the right kind of clothes for yourself. What is meant by this is that if you really want to stand out in the way that you look you need to be very conscious about your fashion choices.

Nowadays ripped jeans for women are really in fashion and if you are someone who wants to look good and actually look very smart then it is important for you to make the right choices. What is meant by this is that if you want to look create it is best that you choose the kind of things that would actually suit you.

Here are some of the ways in which you can look great in your ripped jeans: 

  • Nowadays tie dye tops are really in fashion if you want to take your whole look to the next level then it is very important for you to choose some pair of ripped jeans with tie dye top. The whole look would be ravishing and you would actually thank yourself for making the choice to wear it like that.
  • White button up is also a great choice when it comes to choosing what to wear with ripped jeans. If you’re really passionate about wearing ripped jeans then you should definitely choose this. A white button up would actually make your whole look great.
  • Another way to style ripped jeans is if you wear it with a fun blouse because it looks great. If you want to look really fashionable you can always choose to wear a fun blouse. It’s a very big thing now To style your ripped jeans with a blouses and it actually looks great as well so you can definitely try this time.

Another great way to style ripped jeans is if you wear it with a leather top. Wearing it with a leather top will give you the class that it needs. Wearing it with the leather top is great if you are going for a party or for a formal dinner as it would look great on anyone who wears. 

Another way to style your ripped jeans is if you wear it with a certain scarf. Wearing it with the Saturn scarf around your neck along with the top that you are wearing with actually look great and this is a very nice way to style your jeans  if you really want to style your jeans then this is the best way to do it.

It is important to style your jeans in a proper only if you want them to look great on up with having a lot of jeans would not help if you do not know how to style it well.

Categories
Finance

Planning To Buy a Life Insurance Policy? Here’S What You Need to Know

Are you thinking of buying a life insurance policy but don’t know where to get started? Don’t worry; this article will help you understand everything you need to know before you make the decision of buying one. Keep reading.

The demand for life insurance has increased a lot in the past few years. For most policyholders, it is a step in the direction of securing their family’s future and well-being. Most importantly, it gives them peace of mind to know that their family always has a strong Plan B to fall back upon.

While many people are getting interested in buying a life insurance plan, they often face trouble getting started. With so many companies offering so many types of plans and so many advertorials promising the best plan, it can become overwhelming to make a decision. Let’s look at a few key things people need to know before buying a life insurance plan.

What is a Life Insurance Policy?

A life insurance policy is a contract between the insured or the policyholder and the insurer. The insurer promises to pay a certain sum or give some specific benefits to the policyholder’s family in case of death or upon maturity of the policy as per pre-set terms and conditions. The insured, in return, pays a premium either in a lump sum or at periodical intervals such as monthly, quarterly, or annually. 

The Coverage of the Policy

When buying a life insurance policy, it is essential to choose the right coverage. This is the amount the insurance company pays to the family of the insured in case of death or maturity of the policy. While selecting the right coverage, it is essential to ask yourself a few key questions-

  • How financially dependent is your family on you? 
  • Monthly expenditure your family will need to maintain their lifestyle?
  • Do you have any retirement savings or emergency funds that can support your family? 
  • Any upcoming big expenditure, such as your child’s higher education, marriage, etc.?
  • Your current liabilities such as home loan, car loan, etc.?

Types of Life Insurance Policies 

There are many types of life insurance policies that you can buy based on your specific needs. Some of the most popular types of plans are-

  • Term Plans
  • Whole Life Insurance Plans
  • Endowment Plans
  • ULIPs
  • Child Insurance Plans
  • Retirement Insurance Plans

It is important to choose the right plan based on your needs and other factors. While some plans only come with a death benefit, others offer both death and maturity benefit. However, the more the benefits, the higher will be the premium. Some plans, such as ULIPs, also offer the dual benefit of insurance and investment in one plan. Choose one after ascertaining your needs and budget.

Paying the Premiums

While buying an insurance plan, you can select the premium frequency as per your budget. You can choose between-

  1. Lump-Sum Payment
  2. Annual Premiums
  3. Quarterly Premiums
  4. Monthly Premiums

Inclusions and Exclusions of the Policy

While buying a plan, it is essential to deep dive into the inclusions and exclusions of the policy. The list of inclusions will explain when the insurance company will have to honor the contract with the insured. On the other hand, some events are defined as exclusions in the policy, and the insurance company can deny claims to the insured’s family. Some of the popular types of exclusions are-

  1. Death caused due to consumption of alcohol or illegal drugs and other such abusive substances.
  2. Death caused by suicide.
  3. Death caused due to a pre-existing illness.
  4. Death caused by any habit that was concealed at the time of buying the policy, such as smoking. 
  5. Death caused due to committing a criminal activity.

It is essential to understand the policy document carefully before signing up for one. While some exclusions can be covered by purchasing an add-on, a few such as suicide or the use of abusive substances can’t be covered.

Lastly, Choose the Right Company

One of the most important things to keep in mind while buying life insurance is the quality of the insurance provider. A company with a strong track record, a high claim settlement ratio, good reviews is more likely to honor the policy when the time comes.

Categories
Education

Tips to Prepare For CBSE Class 11 Exam

Class 11 is considered to be a crucial year in the life of a student. Students go through a transformation in this phase as they have to deal with the vast syllabus, textbooks, and subjects specific to the stream. So, to prepare effectively for Class 11, students should maintain a proper study schedule to distribute equal timings to all subjects. Class 11 is divided into three streams – Science, Commerce, and Arts. Each stream has its subjects respectively, and students should give equal importance to all subjects.

Exam preparation is always stressful and more challenging, which causes anxiety among students. To make the process less stressful, they should begin their exam preparation by going through the syllabus. CBSE Board provides syllabus of all the subjects such as CBSE syllabus for Class 11 Physics, Chemistry, Maths, etc. To help students, here we have provided some tips to prepare better for their exams. By going through these tips, they will understand how they should prepare effectively for the exam.

How Should Students Prepare For their Class 11 Exam?

  • To score well in their Class 11 exam, they should be well-versed with their respective syllabus. By having a thorough knowledge of the syllabus, students can attempt all the exam questions. All the necessary study materials are prepared according to the syllabus prescribed by the Board.
  • Once they complete the syllabus, they should start practicing the previous year question papers and sample papers. Sample papers are designed according to the question paper pattern. Previous year question papers give an idea of the question paper pattern, weightage of marks, essential topics, etc. So, students should solve sample papers as well as previous year papers to evaluate their preparation level.
  • CBSE students should refer to NCERT textbooks to understand the important topics and concepts thoroughly. It will also help them clear their doubts, and even teachers also take help from the books inside the classroom to teach students.
  • Students should prepare their own respective CBSE notes of all the chapters. These notes come in handy and cover all important topics and subtopics of all the chapters. Creating notes also helps in last-minute revision so that they don’t skip any essential topic from an exam perspective.
  • Students should prepare a proper study plan as Class 11 consists of a vast syllabus. Strategizing an appropriate method of study will help them allocate time according to their interest. By doing so, they can give more time to the subjects they find difficult to understand.
  • On a daily basis, students should make it a habit of revising the respective subject wise syllabus. They should make sure that they don’t miss out on any crucial topic. Revision makes students more confident while solving the exam question paper.

The tips mentioned above will help students to excel in their Class 11 exam. The marks obtained in Class 11 are crucial to getting promoted to the next class. Students can understand all the subjects’ marking scheme by referring to the CBSE marking scheme provided on the official website. The marking method will give an overview of essential topics so that they can prepare accordingly.

Categories
Home Improvement

Best Paint Colours for Your Bedroom in 2020

Colour shades for a room shouldn’t be chosen spontaneously. The normal individual goes through around 33 years of their life in bed, and keeping in mind that one paint work won’t take you through that whole range, odds are that your next paint occupation will stay for some time. What’s more, with the many, numerous hours you’ll spend in your room, that space will impact how you nod off around evening time, how you communicate with your accomplice, the disposition where you wake up, thus considerably more. 

Probably the best hues we’ve seen are excessive, extravagant, and in a split second emotional. For the best in main room paint hues, you can always rely on Dallas Paints, click to learn more – https://www.dallaspaints.com/finding-the-best-painting-contractors-near-me

For master bedroom, make your room a spot that re-establishes you in the few hours you spend there, as opposed to a spot that channels you. Pick paint hues that will suit the state of mind and feel you need. A master bedroom is everyone’s favourite spot-on.

With regards to reconsidering your stay with new room hues, where do you start? To get you out, here’s a snappy intensive lesson to refresh your room hues effortlessly:

Life Balancing Colours:

Green is flexible shading for the room, carrying with it both a sentiment of vitality and unwinding. It’s a wonderful shading for adjusting the remainder of your room — paying little mind to your style. It works similarly well in customary to current structure styles. Summoning sentiments of nature, green is additionally establishing, which is ideal for rest.

Pop-up the Yellow:

A profound yellow in a split second feels novel and sudden and will include a shock of vigorous splendor in your room. It’s amazing and certain as room hues go, and it will become animated matched with white furnishings. 

Try not to spare a moment to adorn with other lavish hues, for a really extreme room. What’s more, since with regards to lavish room hues that aren’t for the modest, kick it up an indent with a maximalist heading that will just work to feature the strengthening soul of an intense shade like mustard yellow.

Cool and Soothing Blue:

While cuddling into a heap of covers is comfortable and agreeable, it turns out to be less agreeable when the room is excessively hot. Truth be told, rest cleanliness specialists suggest keeping the room cool — somewhere in the range of 60 and 67 degrees — for ideal rest. Picking a cool shading tone will supplement the cool temperatures, helping set your psyche up for a loosening up night of rest.

Intensify Your Little Space:

It appears to be unreasonable to put dark on your room divider, yet dull hues can really make littler spaces look bigger — and can assist in case you’re deficient in common light sources. Try not to suffocate yourself in dim, however. Offset a dim divider with light sheet material and extras.

Purple for the Royal:

There is nothing grander than a rich purple. It can look dazzling close by related shades and fit being decorated with metallics and dim wood easily. 

The rich shade of a profound purple like this will infuse your room into a hit of lavishness, making it perhaps the best shading for a room a touch on the exciting side.

At Dallas Paints, we love to see our clients grin when they perceive how the correct shading paint can change their room. Let us assist you with making the desert spring you long for. Get in touch with us for a free or customized quote.

Categories
Lifestyle

HOW TO CHOOSE THE BEST ECO-FRIENDLY TEXTILE PROMOTIONAL ITEM

When you organize an event or a promotion you always think about the gift with the brand logo for your customers. Choosing is not that easy: they must be useful, original but not too eccentric, linked to the event’s topic or to the Company you are promoting. But today it’s not enough. To convey an excellent opinion of your brand you must show sensitivity to the most discussed issues of the moment, first of all the protection of the environment that surrounds us. Plastic and disposable items, for example, could hurt the sensitivity of those who receive your gift.

For this reason, eco-friendly promotional items have the absolute priority of choice for the vast majority of Companies.

The world of ecological promotional items is huge but if you want to give a wide visibility to the logo and your goal is to ensure that the object can be used an infinite number of times, the choice is reduced to shoppers, pouches and backpacks.

From here, the search for new fabrics, shapes and types of printing is essential to always propose something original and trendy. Here are some tips on how to orient yourself in choosing the most popular fabrics, among natural and recycled ones.

NATURAL FABRICS

The demand for items made of biodegradable and recyclable natural fabrics is increasing. In addition to the ecological element, they have other advantages: they can be kept in their natural shade or can be colored, they are resistant and reusable for a long time. Then the ability to print with water-based inks, allows you to create an accessory that really loves the environment. Playing with the sizes and/or weights of the fabric, also adding some accessories like studs or pom poms, you can get an original solution for any type of promotion.

According to their peculiarities, you can choose between different natural fabrics, among the followings:

Canvas: generally made up of cotton fiber, but also hemp or linen, is a strong and ductile material, maybe the most used for the realization of promotional shopping bags. Allows an all over print on the entire surface. It is very beautiful even if left unfinished, so as to bring out its natural color.

Jute: wide knitted fabric with rough, rigid and very resistant yarn. Allows logo printing with one or two colors, but not an all over print. There is the possibility to work on the thickness of the yarn, to obtain a very rigid or softer object, depending on the needs.

Juco: textile fiber obtained from a mix of jute and cotton for greater resistance than cotton but with a less rough weft than jute. Smooth surface to the touch allows a more defined print, impossible to obtain with the jute.

Bamboo: natural fiber obtained from the bamboo plant, soft to the touch and resistant. As canvas material, it can be customized at will.

RECYCLED AND RECYCLABLE FABRICS

Then there are items entirely made up of recycled plastic.

Those that since some times ago were mineral water bottles can be transformed into something new that, in an infinite virtuous re-cycle, can become beautiful eco-friendly shopping bags. It is the recycled PET, commonly shortened as RPET.

The RPET shopping bags, for example, can be of different types and can be adapted to many requests, depends on the print you have to do and the structure you want, if you prefer a soft or rigid bag.

You can therefore choose between:

  • RPET non-woven and non-laminated: allows a full color printing with a matt effect and it is soft to touch. The bag built with this type of RPET won’t have a rigid structure. 
  • RPET fabric with matt or glossy laminate: allows any type of high quality printing. The bag you get will have a rigid structure.
  • RPET Polyester: it has the same consistency as normal PET polyester. The structure of the bag remains in this case inconsistent and lends itself to be folded becoming pocket.

The other material used for a long time but still very much in demand is the NON-WOVEN.

NON-WOVEN is a recycled and recyclable material like RPET (both are obtained from polypropylene through a thermoplastic pressing process) and like this, it can be subjected to a process of “lamination” glossy or matt, to obtain a more elegant product with brighter colors.

Both fabrics are washable, affordable and have a considerable resistance to weight, making it ideal for their use in the non-woven shopping bags production.

Now it’s up to you, make the best choice for your brand! The best web site to be visited for this kind of solutions is HiGift: it contains over 5.000 promotional items ready to be customized. And if you need instead a tailor-made product you can contact GadgetLab that is dedicated exclusively to big production and import of promotional items from South-East Asia. Just take a look! 

Categories
Health

Maeng Da Kratom

Maeng Da Kratom is one of the strongest and long-lasting derivatives of the Mitragyna Speciosa. This kratom originated from Thailand, but now it is also found in Indonesia and Malaysia. 

Maeng Da is available in three different colours that are green, white, and red. All the Kratom Strains vary in terms of concentration. So, you will have to regulate the dosage of the consumption accordingly. 

Most of the people find it as the most useful natural ingredient that induces the feeling of well-being as well as controls pain. If a person suffers from depression or anxiety, Maeng Da Kratom is helpful for the improvement of mental health too.

Maeng Da Kratom; a Hybrid Variation of Mitragyna Speciosa:

Maeng Da Kratom is not a natural tree that is grown in the jungles, but a result of controlled farming by Southeast Asian Farmers. The farmers have a history of producing the highest quality of Kratom. 

The farmers are continuously in the process of planting, reaping, and processing the Kratom Trees. The result we get from such farming is unmatched. 

The Maeng Da Kratom Powder consists of the below-mentioned properties. 

  • 100% original and pure extract
  • The traditional farmers know its properties and ensure the high-quality end product. 
  • One can expect the output from such trees throughout the year, without any impact from any season
  • The product is standard in all aspects
  • Quality and quantity of a particular batch of Maeng Da Kratom can be matched with another batch

You can find the product all across the countries. As the farmers sell it to the businessperson and they take the responsibility to deliver it across the world. 

The best part is most of the sellers are selling the product online. In the parts of the US, where the use of Maeng Da Kratom is legal, you can expect the delivery within 24 hours. 

Be Careful While Ordering Maeng Da Kratom:

When Red Maeng Da Kratom is a result of controlled and hybrid farming, you can find the different variations of it across the web. So, whenever you purchase Maeng Da Kratom, make sure to buy from a reliable source and not randomly from anywhere. 

A low-quality product might have a higher concentration of kratom strains having adverse effects on the body. Also, some of the brands sell a mixture of red, green, and white Maeng Da Kratom, which is not at all soothing. 

Neither it tastes good, nor is it helpful against depression or anxiety. 

So, check for the reviews, prices, and more when you order the Kratom. 

Final Words:

The recognition of genuine brands is their services for a long time and a list of satisfied customers. Even if they are into the online business of Maeng Da Kratom, they have years of experience for a long time. 

So, to buy the right product, you shall choose a reliable source for you. Make sure the product specifies its origin. You should buy it from the traditional farmers only, who know the ways to grow the Kratom organically. 

Categories
Tech

Keep Your Team Happy with Employee Scheduling Software

If you think investing in employee scheduling software for your company is a good move for you, you are quite right. A great employee scheduling tool can help you eliminate wasted labor hours caused by over scheduling. It also gives you a dependable means of budgeting for projects as it gives you the means to project future workforce costs.

Finally, of course, it is also an excellent way to make sure your employees work when they are scheduled and can prevent them from coming in late or leaving early. What might not be as obvious is how effective employee scheduling software can keep your team happy as well.

Employee Happiness

One crucial aspect of a healthy team is a sense of fairness and equity. There are few things more morale damaging than one person on the team arriving late every day or leaving early. It can be disheartening to others to see one of the teams getting away with that. But it also presents a problem for management.

You’re forced to decide when to intervene and have a talk with the employee or when doing so could make matters worse. Will you be perceived as fair for doing so? Employees can get aggressively defensive when confronted about things like their schedule and being on time.

An employee scheduling tool gives you a distinct advantage. After all, it’s not you that the employee has run afoul of, it’s software that has found them in violation. You can even sound sympathetic while the system issues a correction about them. This is a more subtle way for you to correct employee behavior without confrontation. More importantly, an automated system will seem fairer to all your employees. Simply put, machines don’t play favorites, and they’ll recognize this.

Better Schedule Planning

Another advantage, both for management and employees, is that employee scheduling software makes for better team time tracking and planning. A common issue for management is employee burnout. This occurs when you rely on your best team members, excessively. It’s easy always to deploy your best people to work because you’re guaranteed a higher level of performance and consistency. However, you need to avoid working them too much, or you can destroy their performance levels and, worse, work them to the point where they might want to leave. An employee scheduling system helps you recognize when you’re over-utilizing someone.

Proper employee work schedule software will also help you identify when you’re not scheduling hours fairly between all employees. You’ll be able to see at a glance what everyone’s hours are to make sure they are assigned fairly.

Lastly, you can identify issues of burnout related to swing shifts. It is sometimes necessary to work people on a swing shift, having them work late one day and early the next. However, if it becomes a pattern, you risk wearing out your people and can actually jeopardize their health. 

Scheduling and time clock software lets you identify when you’re doing this excessively.

Vacation Management

Lastly, you’ll find you can improve morale with a shared scheduling system that allows for vacation day reservations. A common issue is employees trying to schedule vacations far in advance. It can be challenging for management to track these requests and make sure they’re fulfilled.

Having software to manage a schedule means you can block out days that employees request far in advance to ensure they have the time they’ve requested while letting you know they’re going to be unavailable and schedule coverage while they are gone.

An Investment in Your Employees

As can be seen, employee scheduling software is more than an investment in your business; it’s an investment in your employees as well. Having a sophisticated system in place means fewer talks with employees about their hours’ commitment, less confusion when scheduling a vacation, and an improved sense of fairness to your whole team.

Categories
Education

What Motivates You to Complete Higher Studies?

In 2018/19 there were 2.4 million students in higher education institutions. It is a popular choice for many school leavers, many believe their education does not stop after high school. From family influence, to the prospect of higher paid jobs, there are many reasons to complete it. Higher education can include universities, colleges and online courses via distance learning. The facilities and resources to undertake education have been expanding. Here are some of the reasons you may be motivated to complete higher education. 

Entry into Higher Paid Jobs

Many students go into higher education to access higher paid jobs. Qualifications of a high level and standard are respected by employees and some professions require you to have completed a course or a degree. Qualifications show that people have skills relevant to particular jobs, it indicates a person has academic knowledge which is especially useful for professions like lawyers, business managers, economists and accountants. Other qualifications provide proof of an appropriate level of skill for professions in the construction industry and medical professions. 

A quantity surveyor salary is averaged £34k but can rise to £55k in the UK. In order to enter this profession, you could take an Advanced Diploma in Quantity Surveying. Not only does this course provide you into a field of work which is in high demand, the salaries and rewards are motivating. 

The Ability to Study Online Courses

One motivating factor of higher study is the ability to take distance learning courses. This means that you can complete education without having to spend 3 years in an institution like university. You can add to your skill set, increase your job prospects and remain in your home environment. In addition, many online courses like those offered by The College of Contract Management are offered part-time. This allows you to work whilst learning. 

The Experience

Many are motivated to complete higher studies due to the whole range of experiences you can have from it. Many individuals who attend universities find their lifelong friends. Others find connections for future jobs from lecturers and other professionals.

Professional Development Opportunities

After undertaking higher education such as university or distance learning courses, you can progress to more courses to develop your skills even further. Some entry requirements to particular courses require you to have already had experience. 

Not only this, attending higher studies provides you with an insight to the chosen industry and whether or not you want to progress further. It can also open up new opportunities in areas you may not have thought about before. 

Family Figures?

Very often individuals are motivated to start higher studies from their family members. They may present the benefits to them or expect them to continue with education. This may not always be the best motivator because individuals should decide whether or not they want to continue with higher studies themselves, but it can push individuals in the right direction if they are interested in whether to do so.

Conclusion

In conclusion, there are a number of influences and motivators for continuing higher education. This can include the availability of online courses, entry into higher paid jobs (e.g. quantity surveyor salary), experience, professional opportunities, and family figures. These are not the only motivators for higher education, there are so many reasons they can be beneficial for your health and wellbeing, and your life in general. 

Categories
Finance

PUC is now mandatory for renewal of car/bike insurance?

Just like your car or bike insurance policy document, PUC (Pollution Under Control) certificate is another very important paper you should have in your vehicle at all times. You need to get a PUC certificate and renew it regularly in order to legally ride/drive your vehicle on Indian roads. If you are caught without a valid PUC certificate for your car or bike, then you could have to pay fines up to Rs. 10,000 and/or even face jail time of up to 3 months.

Despite this legal mandate and the repercussions of not abiding by it, many motorists still ply they’re without a valid PUC certificate. You would think that cost could be a major reason behind this – people are not getting their PUC done because they cannot afford to do so! However, this is not true – getting your PUC will cost you less than Rs. 100! Even with such a nominal fee several individuals fail to meet their PUC requirements.

What can be done to change this?

PUC is carried out to ensure motorists are in compliance with the air pollution norms in place. However, if everyone does not keep their PUC up to date, we could have a lot of vehicles that are not within the pollution norms. This could lead to deteriorating air quality levels.

Keeping this in mind, the Insurance Regulatory and Development Authority of India (IRDAI) has passed a mandate via a circular issued in August of 2020 stating that one cannot buy or renew bike or car insurance without a valid PUC certificate. Along with this, the circular also states that damages will not be covered if the car does not have a valid PUC certificate when the accident occurs.

What does this do for PUC?

If you do not have PUC, when you cannot buy or renew your car/bike insurance plan. If you get caught riding or driving without a PUC and a valid motor insurance policy, the combined fines could set you back as much as Rs. 12,000 – even more if you are caught a subsequent time. Not only that, in case of an accident, you might have to pay the fines and also cover substantial repair costs. In case you injure or damage someone else’s property as well, then you will have to provide compensate out of your pocket! 

All this highlights the importance of having a good bike/car insurance plan. Without it, the perils of the road could bring you a huge financial setback. And, in order to get insurance coverage, you now need to have a valid PUC certificate. It’s a move that will hopefully increase compliance with road regulation to make our roads safer and less polluted as well. Remember, the cost of PUC and motor insurance is very nominal as compared to the fines & potential expenses of not having these two important documents.

We hope this has been helpful for you, good luck and remember to ride/drive safely!