Wednesday, July 26, 2017

How to Lower Your Car Insurance Premium


Your car insurance premium is lower if you are a doctor or a CA. Know what else affects premiums


When you are rearing to buy a new car, insurance premium is a remote consideration in deciding the model. However, the premium can vary markedly depending on several factors, such as the car model, year of manufacture and fuel option, even unlikely ones like fuel tank, safety devices and accessories. The difference in premium can range from 2.5-15%.



Then there are cars that insurers are loath to covering. "Tata Sumo, Chevrolet Tavera and Toyota Qualis have higher premiums as these may be registered in individual names, but are often used for commercial purposes," says an insurance broker.

Here are some factors to consider before getting in the driver's seat.

Fuel option: The premium for cars that run on petrol is lesser than for those that run on diesel, compressed natural gas (CNG) or liquefied petroleum gas (LPG). The reasoning is that a person who opts for diesel engine has higher usage and wants to keep the fuel cost down. "A diesel car's premium is 10-15% higher than a petrol car's. The rates are similarly high for the cars running on CNG or LPG," says Vijay Kumar, president (motor insurance), Bajaj Allianz General Insurance. It's not just the fuel but also the fuel tank that can raise the premium. The cars where fuel tanks are made of fibre are charged 3-4% higher premiums.

How to Lower Your Car Insurance Premium


Safety devices: Insurers prefer gear and steering-wheel locks, air bags, sensors and other anti-theft or life-saving devices. These have to be approved by the Automotive Research Association of India. Lower premiums also kick in if cars have advanced anti-theft features. "There is a 10% discount on Maruti models because these have iCAT systems in place," says an insurance expert.

Insurers also look at other parameters such as resale value. Sports-utility vehicles (SUVs) are coveted by carlifters because of their high resale value. SUVs are used as public transport in many parts of the country. "If you own an SUV in north India, your premium goes up by nearly 20%," says Rahul Aggarwal, CEO, Optima Insurance Brokers.

Accessories: Many owners fit their cars with top-end audio systems and lights. These draw higher premiums.

Spare Parts: Some cars may be priced low but could invite a higher premium because of expensive spare parts. "The cost of repairs of some imported models is high. On the other hand, low-end cars have more 'local' content and so come with a 10-20% lower premium," says a dealer.


What insurers Prefer*

FOR CAR
  • Petrol engine.
  • Installed with anti-theft devices.
  • Safety features like air bags.
  • High-end models.
  • Non-commercial usage.
  • Models that are not accident-prone.
  • Driven in a non-metro.
  • Recent manufacturing.
  • Uses Indian spare parts.
FOR DRIVER
  • Doesn't wear spectacles.
  • Is a doctor or a chartered accountant.
  • Aged between 30-60 years.
*This may differ marginally with insurance provider.


Car Colour: Though internationally some insurers use colour as a factor in deciding premium, in India, the practice is still to catch on. So why should a person driving a red car pay more than one driving a white car? "The colour is just a proxy for buyer behaviour. So a red car is more prone to accidents than a white car as the person who likes red is considered an aggressive driver," says Sanjay Datta, head (customer service), ICICI Lombard General Insurance.

Profile of Owner: Even an owner's profession and lifestyle come into play. Insurers prefer owners in more 'respectable' professions and who those who are more cautious. Insurers think that if you attend safe-driving seminars organised by, say, Automobile Association of India (AAI), you are more likely to take better care of your car. "They offer a discount of 5% to car owners who are members of AAI. Similarly, professionals such as doctors and chartered accountants get a 5% discount," says Optima's Aggarwal.

Of late, companies have started considering age as well. Owners above 45 years old are considered careful drivers and, hence, pay a low premium, while those below 20 years pay a higher one.






Before you Bargain: "Lower premiums may mean reduced cover. For instance, some companies had discontinued the cover for damage caused by floods. Only when the floods hit Mumbai, did car owners realised that flood cover was not in the policy," says Mukti Adwani, a car insurance consultant.

So before you press the accelerator and drive off, read the fine print. Know how much insurance cover you have for your car. It's better to be safe than sorry.

Saturday, May 13, 2017

How to deal with Ransomware Malware

The malware used inside the huge NHS hack is now spreading across the world.

The problems are hitting human beings and organizations throughout Europe and Asia, in keeping with experts.

The ransomware – which locks down documents until cash is paid – is a new edition that is hastily spreading the world over. it is referred to as wanna decryptor.




although the trouble has turn out to be most well-known for the harm it has carried out to nhs structures, the outcomes have focused most specifically on spain and russia, according to professionals.

“this cyber attack is tons large than just the nhs," said travis farral, director of safety strategy for cyber safety firm anomali labs. "it seems to be a large marketing campaign that has hit spain and russia the hardest."

a few human beings are already paying to get their files returned, mr farral said.

wanna decryptor, the malware this is getting used, has been recognised to cyber security experts for weeks. however the model spreading throughout the internet has just been updated, according to reports.

"the ransomware used in this attack is particularly new - it became first visible in february 2017, and the latest variation emerged in advance today," said aatish pattni from cyber security company take a look at factor.

"however, it's spreading rapid, with companies throughout europe and asia being hit.
"it indicates just how negative ransomware may be - and the way quickly it can purpose disruption to important services.

"firms want on the way to prevent infections taking maintain inside the first region, through scanning for, blocking and filtering out suspicious files content material earlier than it reaches their networks.

"it's also vital that workforce are educated approximately the potential dangers of incoming emails from unknown parties, or suspicious-looking emails that seem to come back from regarded contacts.

you can eliminate many ransomware viruses without dropping your documents, however with a few variants that isn’t the case. inside the past i’ve mentioned trendy steps for doing away with malware and viruses, but you need to apply some unique pointers and hints for ransomware. the system varies and depends at the form of invader. a few approaches contain a easy virus scan, while others require offline scans and advanced recuperation of your documents. i categorize ransomware into three types: scareware, lock-display viruses, and the in reality nasty stuff.

Getting rid of ransomware


before you could loose your hostage computer, you need to dispose of the hostage taker.

if you have the simplest kind of ransomware, consisting of a fake antivirus application or a bogus clean-up device, you could commonly take away it by way of following the stairs in my previous malware elimination manual. this technique includes getting into home windows’ safe mode and going for walks an on-call for virus scanner inclusive of Malwarebytes.



if the ransomware prevents you from entering windows or jogging packages, as lock-screen viruses commonly do, you could try and use gadget repair to roll home windows again in time. doing so doesn’t affect your personal files, but it does go back system files and applications to the state they have been in at a sure time. the machine restore function need to be enabled in advance; windows allows it via default.


Stopping Ransomware and Malware Infections


fending off ransomware is much the same as keeping off other kinds of other malware.

continually run an amazing antivirus application and maintain home windows and browser-associated additives (java, adobe, and so forth) up to date. hold your browser smooth of junk toolbars and add-ons to save you adware invasions that might result in malware infections. usually, usually be wary of surprising electronic mail attachments and spam.

and just to overcome this dead horse one extra time: constantly have a great backup gadget in area, simply in case your laptop does turn out to be infected and you can’t get better your documents. yes, it’s that essential.



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