I was very pleased with how quickly and easily ShiftRisk was able to assist me in finding the best insurance quote for my car. The sales agent was very courteous and professional and helped get an auto quote lined up for me during Diwali - it was my first car. I highly recommend ShiftRisk to anyone looking for help in finding the best home, auto, and life insurance.
ShiftRisk is not your typical insurance company with limited policies and options to choose from. It’s a company that goes the extra mile to be sure you have the right amount of coverage for your situation. And that you get a solid insurance policy at an affordable price. I highly recommend ShiftRisk to all my friends.
ShiftRisk’s dedicated RM and Portfolio management team have excellent knowledge and experience, and after extensive research, all my assets were insured. I’m completely satisfied with ShiftRisk and have suggested their policies to all my friends, family and colleagues.
Two wheelers or bikes are the most convenient modes of transport these days. But, due to road conditions and rising traffic, it becomes necessary to protect your bikes from damages suffered in case of any unfortunate events. Having a two wheeler insurance helps cover you against any damage that may occur during a mishap like an accident, natural disaster or due to theft. A two-wheeler insurance policy also protects the financial liability which arises when the two-wheeler injures or kills any individual other than the owner of the vehicle. Moreover, if the two-wheeler damages any third party property, the policy also covers the financial loss incurred and payable by the policyholder. Also, carrying a two-wheeler insurance policy is mandatory as required by the Motor Vehicles Act, 1988.
There are various types of two-wheeler insurance plans. These include the following –
Following are some of the advantages of having an insurance policy for your bike:
It is always recommended to compare first and then buy bike insurance policy. Following are some of the reasons to do so:
Following losses are covered in a comprehensive two wheeler insurance policy:
The following losses are excluded in a two wheeler insurance policy:
In a comprehensive bike insurance policy, there are various add-on covers which help increase the scope of protection offered by the policy. Add-on covers are additional coverage options which come at an additional premium. The following are the various add-ons available for you:
A car insurance policy covers the financial liability which arises in case the insured car injures any third party life or damages any third party property. Moreover, if the coverage of the policy is comprehensive, coverage is also given for the damages suffered by the car due to accidents or any other calamities. A car insurance policy is mandatory as per the rules of the Motor Vehicles Act, 1988. Only if the car has a valid insurance cover, it is allowed to run on Indian roads. The car owner is the policyholder who is required to pay the premium on an annual basis.
A car insurance policy is mandatory as per the rules of the Motor Vehicles Act, 1988. Thus, to legally drive your car in India, you need to have at least a third party car insurance policy. Moreover, the policy will provide financial assistance in case of third party propertydamages caused by your car in case of accidents. In case an individual suffers an injury or dies due to the car, you can face a considerable financial liability for the loss caused. The policy also covers this liability and gives you financial relief. Moreover, opting for a comprehensive car insurance policywill also help cover the damages suffered by your car in case of accidents or theft. Such policies pay for the repair of the car or compensate your financially in case of thefts.
Following are some of the advantages of having an insurance policy for your car:
Car insurance policies come in the following two types –
It is always recommended to compare car insurance policy before making a purchase. Following are some of the reasons to do so:
Coverage under a comprehensive car insurance policy is given for the following contingencies –
In a comprehensive car insurance policy, there are various add-on covers which help increase the scope of protection offered by the policy. Add-on covers are additional coverage options which come at an additional premium. The following are the various add-ons available for you:
To choose the best car insurance policy, you should compare the different plans available in the market. The online mode has eased the entire comparison process. While comparing, you should look at the following parameters to choose the best policy -
The process of comparing car insurance policies on Shift Risk is quick and easy. You need to follow the below-mentioned steps:
A Health Insurance policy is not a financial priority anymore, it has become a necessity in today’s age due to the continuous rise in healthcare risks and prices inflation. Any unplanned hospitalisation would lead to numerous expenses such as medicinal treatment or surgery costs, diagnostics test charges, pharmacy, doctor’s visits, room rents, ambulance transportation charges etc. These costs can easily cripple a family’s financial health in a flash. But with the right health insurance cover, you can protect yourself and your family from these medical expenses without causing much dent in your savings. Do not let the massive costs of treatment become a hindrance in seeking the right care for a loved one. Get a health insurance for your family now.
Following are some of the key coverages and benefits you get when you buy a health insurance policy:
It is important to realize that inclusions will vary from one provider to the next and from plan to plan.
Some of the exclusions under a health insurance policy are as follows:
There are two types of health insurance plans available today. They are as follows:
Choosing the right health insurance plan is the most important step while purchasing a policy. Following are some of the factors that should be kept in mind while looking for a health insurance:
There are numerous health insurance plans available in the market. Each plan has its own inclusions and exclusions list, benefits and features, cashless hospital network, sub limits, waiting periods for certain illnesses etc. Hence it becomes imperative to compare these plans first and then choose the one which suits your requirements the most. Fynix helps you choose the right plan by showing a detailed comparison of all the health insurance policies available based on the data provided and hence assists you in making an informed choice.
You can compare and buy health insurance online in a few easy steps. Visit Fynix website and select health insurance. Then you will be asked to enter few basic details like age, sum insured amount, area of residence, number of members to be insured etc. Based on the details submitted, quotes from various health insurance companies will be displayed. You can select multiple plans and compare the benefits and coverages provided along with the premium. After you have decided on a particular policy that fulfils your requirements, you can select the plan and proceed to the proposal form stage. You have to provide accurate and correct information in the proposal form. After the form is filled, you can review all thedetails shared till now in the summary page. After reviewing, you can proceed to make the payment online through various modes like credit/debit cards, internet banking, wallets etc. Post successful payment, health insurance policy will be generated and emailed to you instantly.
If you want higher sum assured in lower premiums and create sufficient financial corpus for your family in your absence, then Term Insurance plan is the best type of life insurance policy for you. The term insurance plan is the most economical way to insure the most important years of your life. Some insurance companies also provide accidental death benefit rider under which, additional amount is paid by the insurer in case of death due to accident. Moreover, you can avail tax exemptions on the premium paid under the Income Tax Act.
Premium of a term insurance plan depends on the age at which the policy is bought by the insured person. If you buy a term plan at an early age, the premium would be lower. Moreover, you would be able to avail coverage from an early age and create financial security for your family without any delay. Since you are buying the plan young, you would be free from medical complications and thus the policy would be issued instantly and at affordable premiums. Lastly, you would also be able to lower your tax liability as the premiums that you pay would be allowed as a tax-free deduction from your income.
There are numerous life insurance companies and each have a variety of term insurance plans available with them. Hence it becomes necessary to first compare all the products available in the market and select the one that best suits your requirements. This is where Shift Risk comes into picture. You just have to enter few details about yourself and the amount of coverage you need and Shift Risk will show you a list of quotes from the leading insurers. You can browse through all the plans, compare benefits and features, add riders available from the insurer and then shortlist the one which you think fulfils your needs the most. You can then fill up the proposal form, submit relevant documents and make payment. Your policy will be generated post medical tests if necessary and the policy copy will be sent to your registered email.
Buying a term insurance policy online is a very simple and easy process as shown below:
Following are some of the required documents for buying a term insurance policy online. For complete list, you can refer the insurer’s website.
The inclusions are generally mentioned in the copy of the term insurance policy. You should go through the fine print of the policy copy before buying the policy to check the major Inclusions in the policy. Major Inclusions in Term Insurance Plan are stated below.
There are certain exclusions in term insurance plan as not all situations are covered in an insurance policy. The insurance provider would investigate in case the policyholder’s unnatural death. The sum assured in the term insurance policy is not paid if the death of the policyholder occurs due to any of the following reasons:
Following are some of the benefits of buying a travel insurance for your overseas trip.
Buyingtravel Insurance online is a simple and easy process. Just fill in details about your trip to generate a quick quote, select your plan according to your needs and the premium that suits you, proceed to buy and pay online through net banking, credit and debit card.Your overseas travel insurance policy would be generated instantly and a confirmation mail would be sentto your registered email address. Details such as your name, policy number, coverage and deductible information and toll-free number to address your claims would be included in the policy schedule.
In case you have cancelled your trip, you have to submit proof in form of passport copy to show that you did not undertake the journey. A request for cancellation of policy is generally considered within 14 days after commencement of policy or as give in the policy schedule. A nominal fee would be charged for cancellation of the policy.
A travel insurance premium is calculated based on the following factors:
Travel insurance plans come in different variants depending on the trip taken, the destination, the type of trip, etc. Here are the different types of travel insurance policies available in the market –