Travel Insurance in Pakistan

Travel Bucket List For 2023

Posted by Admin on 09 Jan 2023

The new year comes with new plans and you should make some new plans and new travel resolutions for 2023! We have compiled a travel bucket list for you to follow while you travel. Let’s look at a few things you can do to make your travels amazing. 

Make More Time For Travel

We get it, time isn't the issue here. Money is! With ever-increasing inflation, it is hard to take out the budget to travel. To set aside the budget, you need to plan your trips ahead of time and budget accordingly. Search up the hotels you’ll be staying at, or better yet if you have a willing relative who can let you stay at their place, that can financially help with it. You can help them out with groceries and other services so as to not be a burden on them. This is how you can save up and have more time for travel. Having a travel insurance policy can also help significantly in saving up money!

Learn A New Language

Whether you travel or not, learning a new language will never go in vain. Learn a new language and hold hope to travel to the relevant country. Have you ever wondered why people of a specific region are experts in specific things? Like Chinese are generally good at math and Australians are good at directions. That’s because their conversation consists of those terms which help them have an upper hand. So learning a new language may unlock your hidden skill and make you a pro at that!

Stop Overpacking!

While traveling to and from the destination, make a pact to not overpack. Only pack the essentials and while coming back don’t stuff yourself with unnecessary items. Make a list of items that you can find back home and try not to spend your money on those. This is essential because sometimes when you overpack and the fortune is not on your side, you might end up spending money for nothing because they will ask you to unload many of your precious items resulting in the loss. 

Have Some Street Food!

When vacationing, we want to try new things in new places with some extra experience. Which is how we end up spending extra unnecessary money. Especially on food! If you are looking for something truly authentic and on a budget, you must promise to try street food. Street food in an area is the most authentic cuisine one can try, made from local ingredients. It is also not expensive, so it’s a win-win!

Travel To Help And Volunteer

One of the reasons you can travel is to help those in need. You can volunteer in refugee camps or be a sitter for the elderly while you travel. And since no labor goes unpaid for the most part so you may gain some experience or someone who is kind enough may even give you a few quick bucks! You can choose to do this if you are an empath and are enthusiastic about helping others in their time of need. 

Be A Responsible Traveler

Being a responsible traveler does not mean you should be ready to jump into a combative situation to help others at all times! As the popular saying goes, “Everyone wants to save the world but no one wants to help their mom do the dishes!” you are way less likely to run into an accident than to fall sick. So why not get yourself protected against all odds along with your loved ones than waiting for a life-changing event to be a superhero? So get insured before you decide to travel. Get travel insurance quotes online now!

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Car Insurance in Pakistan

What Is Commercial Vehicle Insurance

Posted by Admin on 26 Jan 2023

Car insurance is one of the most popular insurance types sold in the insurance industry. Cars are considered the ultimate assets which is why they are valued much more than other possessions. Most people are passionate and take car care personally, which is why they do all they can in order to ensure the safety of their cars. Ever since there has been a hike in inflation, people have started using their vehicles for commercial purposes to make some extra money on the side. A common misconception shared by people trying to use their vehicle for commercial use is that their vehicle is insured under the standard insurance policy also known as personal car insurance. However, this is not the case. So let’s take a look at how you can cover your vehicle for commercial use. Why Is My Vehicle Not Covered For Commercial Use?Your vehicle is not covered under commercial use because using your vehicle commercially involves risk higher than regular use. It puts you and your vehicle at an increased risk hence it requires additional coverage. You use your vehicle a lot more than work and wandering. Oftentimes the risk is higher due to your hands being tied and you not being able to decline due to unfamiliar areas putting your vehicle at a greater risk of theft or damages and putting your life on the line. What Is Commercial Car Insurance?Commercial car insurance is an extended cover for your car when you intend to use your vehicle for earning. It is different from personal car insurance because it has cover options. Personal car insurance is designed to cater to your personal needs while commercial car insurance caters to all kinds of risks involved in your industry. What Can I Do With My Car Covered Commercially?There are a lot of concerns that need to be addressed when you are using your car commercially. You have little to no choice but to decline when expecting a paid service so it can cause a lot of damage to your vehicle and might put it at a greater risk of being damaged in any way. Following are the things commercial vehicles are most commonly used for.Offering pick and drop to clients.Delivering goods.Towing vehicles.Delivering intercity.Haul heavy loads.All of these tasks can put you and your vehicle at a greater risk of getting damaged. This is why it is important to have your vehicle commercially protected if you are using it for paid services.Who Is Covered Under Commercial Auto Insurance?Commercial auto insurance covers the driver and the passengers for personal injury under the bodily injury cover. It also has property damage cover for when you are at fault. In conclusion, commercial auto insurance is a must if you use your personal or business car for commercial use. It provides extended coverage than private car insurance so the premium may be higher depending on the insurer. This is due to a higher risk of vehicle damage or bodily injury.So get insured, and have safe driving!

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Fire Insurance in Pakistan

Fire Insurance And Its Features In Pakistan

Posted by Admin on 24 Jan 2023

Insurance protects you and your assets in case of an accident. Everything can be insured against all kinds of threats. Fire insurance works similarly, it protects you and covers your assets in the event of unexpected fires. Fire insurance has many features that we will discuss in today’s blog. Let’s take a look at them now!What Is Fire Insurance?Fire insurance reimburses the cost of repair, reconstruction, or replacement of any property damaged during the incident of fire. It also covers the damage caused by smoke and water while firefighters put away the fire. Hence it covers all kinds of property damage caused during the fire. What Are The Features Of A Fire Insurance Policy?There are many features of a fire insurance policy. Some of them are discussed below!Insurable Interest In PropertyThis condition implies that the survival of the item getting insured should be beneficial for the policyholder and if the item is lost during the fire, the policyholder can suffer a loss. This is applicable both at the time of buying policy and at the time of claim.Principal Of Utmost Good FaithThis states that at the time of buying the policy, the insured must spill all the details of whatever is being insured. The risk of the building catching fire, environment, construction of the house/shop, and other related queries. This is important because the insurer needs to calculate the risk and issue the policy accordingly. During any time when the insurer finds out that the vital information was hidden from them, they have all the rights to terminate the policy. The insurer is also responsible for telling you all the details about the policy and suggesting you the best one that suits your requirements.  Contract Of IndemnityThis states that the policyholder must only claim up to the limit settled at the time of buying a policy. In case there was no damage, the claim is no longer acceptable. These were some features of the fire insurance policy. Now, look at who can get fire insurance.Who Is Eligible For Fire Insurance?Anyone who wants to protect their assets is eligible for fire insurance. It benefits the shopkeepers or business owners the most. For example, if you own a business of furniture or clothes and in case of a fire, these two things will get affected the most and will cause huge financial damage. So a shopkeeper or business owner must have fire insurance for such instances.  In conclusion, if you have any asset that you want to protect from fire whether it be your whole house or your business you must get fire insurance. This will reimburse the damages done by fire, smoke, and water while putting out the fire. Some policies may even offer the temporary residence for the ones who lose their houses and living spaces to fire. It also has emergency medical cover in case of burns and damage to one’s own health. So get insured now!