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How to evaluate best car insurance companies in India



Car insurance provides financial security to the car owners against any financial loss due to accidental damage or other unfortunate events like theft, fire, natural calamities, etc. 

It is also a mandatory requirement to have at least a 3 years third party car insurance for all new cars as per the IRDAI regulations in 2018. 

In India, people usually buy the car insurance from the dealer who sold them the car without doing much research. However, there are several drawbacks to it, some of which are listed below –

  1. You might be paying a higher premium on the car insurance.
  2. You may have a lower Insured Declared Value (IDV) on the car insurance.
  3. The car insurance company may not have many cashless garage networks.
  4. The car dealer might not provide information regarding add-on covers.
  5. The claim process is also not explained while purchasing a policy from the dealer.

To get the best car insurance in India, we recommend you to research the car insurance company first and then buy car insurance online. Following the below checklist should guide you in selecting the best car insurance in India: 

First, you should make sure that the car insurance company is registered with IRDA. Later, you can compare them on the basis of claim settlement ratio, incurred claim ratio, solvency ratio, claim settlement speed, cashless garage network, online customer reviews, IDV and premiums, 

  • Claim Settlement ratio (CSR):

Claim settlement ratio is one of the most important points of comparison. You can get the CSR figure of every car insurance company in India from the IRDAI annual reports, it denotes the percentage of claims settled by an insurance company against all claims received in a year.

It is recommended to select insurance companies having higher CSR before you buy car insurance online.

  • Incurred Claim ratio (ICR):

ICR indicates the financial ability of the car insurance companies to pay claims. ICR value is calculated using the value of claims paid against the total premiums received in a year. 

It is recommended to select insurance companies having higher ICR before you buy car insurance online.

  • Solvency ratio:

Solvency ratio indicates the financial stability of an insurance company as it compares all assets and inflows against the liabilities and outflows. 

It is recommended to select insurance companies having higher Solvency ratio before you buy car insurance online.

  • Claim settlement speed:

The claim settlement speed can also be checked for different car insurance companies.

It is recommended to select insurance companies having faster claim settlement speed before you buy car insurance online.

  • Cashless Garage Networks:

Cashless garage networks are garages approved by the insurance provider for cashless car repair.

 It is recommended to select insurance companies having a long list of cashless garage networks before you buy car insurance online.

  • Online customer reviews:

It’s difficult to evaluate the quality of customer service before you have purchased an insurance policy. You may view the ratings and read reviews of the customer service experience on the internet for any Insurance company, however that does not guarantee a good customer service.

Hence, it’s recommended that you buy a car insurance from an insurance agent or advisor who can be your point of contact for most of your customer service requirements and also guide you in choosing the best car insurance in India.

  • Compare Insured Declared value (IDV) and premiums online:

IDV is the maximum sum assured that the insurance provider shall pay on the car insurance policy. Premiums are paid by the policyholder to the insurance provider for getting their car insured.

You can evaluate the best car insurance in India by comparing the premiums for a certain sum assured of different car insurance companies online and then select the policy which offers a certain sum assured at lowest premium.

  • Buy any additional riders wisely:

Additional riders help in enhancing the scope of coverage of a car insurance policy. However, you should buy these add-ons only after reviewing the main policy documents as most often new buyers purchase add-ons which are already covered in their insurance policy. 

It is recommended to select insurance companies offering add-on riders such as Engine protection, zero depreciation, Roadside assistance, etc before you buy car insurance online.

  • Choose between Third party car insurance or Comprehensive car insurance: 

A third-party car insurance provides financial cover for any damage caused to the third party due to your car accident. The car insurer pays in case of bodily injuries, permanent disability, temporary disability or death of the third party due to car accident, also property damage is covered up to Rs. 7.5 lakhs. It is mandatory to have third-party car insurance in India.

A comprehensive car insurance pays for any financial liabilities incurred towards a third party as well as own-damages. These policies not only cover road accidents but also damages caused by events like natural calamities, man-made disasters, explosion, fire, theft, etc.

It is recommended to purchase a third-party car insurance if you don’t use your car for travelling too frequently. However, if you travel in your car frequently, it’s recommended to purchase comprehensive car insurance.

Best car insurance companies in India:

Sr. No. Insurance Company Network Garage CSR
1 Bajaj Allianz General Insurance 4000+ 88.83%
2 Bharti Axa General Insurance 5200+ 87.99%
3 HDFC Ergo General Insurance 6800+ 91.23%
4 ICICI Lombard General Insurance 8800+ 87.71%
5 IFFCO Tokio General Insurance 4300+ 95.30%
6 Kotak General Insurance 1300+ 82.81%
7 National General Insurance 3100+ 85.71%
8 New India General Insurance 3000+ 89.60%
9 Reliance General Insurance 6200+ 84.26%
10 SBI General Insurance 16000+ 89.51%
11 Tata AIG General Insurance 5000+ 90.49%
12 United India General Insurance 3100+ 82.93%
13 Universal Sampo General Insurance 3500+ 90.78%


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Top Ten Methods To Manufacture The Perfect Wholesale Gift Boxes




Instead of buying wholesale gift boxes, you can make them by yourself. For this purpose, here are some techniques and ways you can utilize them perfectly.Buying wholesale gift boxes can increase your product sales because of their reliable features. They can protect the qualities of your expensive gifts because of their durable nature during presentations and product deliveries. They are made from high-quality materials, which are kraft, cardboard, and corrugated. They are flexible packaging solutions that can be customized into various shapes, sizes, and designs. Brands are getting them printed with unique layouts, themes, and color schemes to attract their target audiences. They are also using them by getting them displayed with their brand logos, slogans, and marketing content.

Their manufacturing materials are common and available easily everywhere. That is the reason why the prices of these solutions are very affordable. You can find them at various packaging platforms such as online marketplaces, online vendor stores, and even in local markets. They are also very beneficial for the health of nature because of their recyclable and reusable nature.Gift manufacturing and selling brands are buying wholesale gift boxes due to their remarkable qualities. Gift items are usually expensive and have a lot of feelings for the customers and the people who receive them. The qualities of these solutions should be reliable so that your items can have attractive and amazing presentations. For this purpose, you need to get them manufactured in the perfect manner. There are a lot of things that you can consider for the perfect making of these packages. Given are some amazing tips that you can utilize in this regard.

Premium Quality Materials For Gift Boxes

Qualities of valuable gift items depend on the quality of gift boxes around them. Customers do not go with product presentations that do not have this factor. For that, the thing to do is to make your gift packages by using high-quality materials. Some of those materials are cardboard, kraft, bux board, and corrugated. Make sure to get the finest quality of these materials if you want to put positive impressions on the mind of customers regarding your items.

Having A Perfect Theme:

A gift box will look old and lack feeling if it does not have a proper theme printed on its surface. Customers always get attracted to box designs that have appealing themes and layouts when it comes to looking out for gift items. Look for a template or theme for your box that can increase the worth of your gift box packaging. Find the one that has interactive layouts, unique illustrations, and an appealing color scheme.

Durable Materials:

Without durability, the packaging is nothing but a covering around valuable items. The main goal of product packages is to protect valuable items so that customers can have their purchased items of the finest quality. In this regard, if you are making gift boxes in UK, make sure that you use durable and thick manufacturing materials. Increase additional paper layers inside the sides of the box if your gift product is more expensive.

Perfect Size:

Whether you are buying wholesale gift boxes or you are making them, always go for the right size. To present a gift product, perfect-sized packaging is mandatory as it can protect the form and appearance of products by holding them perfectly. A perfect-sized packaging will not have empty spaces inside it. Make sure to get your packages customized in a size that is fit for the dimensions of your products.

Selection Of The Right Shape:

Just like the factor of size, the factor of shape is also important when making packaging for gift products. A unique and distinctive box design will bring diversity to your product presentation. Go with the box design that meets the essence of your items. For instance, if you are presenting a product that is small and adorable, consider gable shaped box for it. Similarly, go with a design that can reflect your items perfectly.

Printing Brand Logo:

Using your product packaging as your marketing solution is quite an effective way to earn the attention of customers. While making your gift box, always put your brand logo on the top or any side of the box. Make sure to keep the logo clean and simple so that it would not look odd on your gift presentation. This will tell your audience about the authenticity of your brand.

Interactive Color Scheme:

In presentations of gift items, color schemes always matter a lot. It is among the key elements that can increase the decision-making process of the audience and increase your sales. Make sure to print engaging color pattern schemes on the surface of your boxes. Understand how different colors have different properties and choose the ones that have a connection with your target audience. Make sure to use the color that can present your items perfectly.

Additional Inserts:

Inserts are very important parts of a gift package. Some valuable gift items are very expensive, and you cannot take any risk on their quality. You have to get your boxes customized with inserts such as placeholders, sleeves, and padding dividers to keep your products protected. Make sure to leave space inside your packaging for these inserts while making them.

Laminations And Coatings:

Finishing technologies are important parts of enhancing your gift packages. They can increase the worth of your product packaging. Make sure to go for the finest coating and lamination options for your packages. They come in various types such as matte, velvet, smudge-free, gloss, spot UV, and foiling. Utilize any of these according to the packaging requirement of your gift product. You can even utilize embossing if you want to get reliable printing results out of your utilization of finishing.

Embellishments of Gift Box

Gift products and embellishments have a direct relation. Add-ons and embellishments can enhance the presentation of these products. Customize your gift packages with add-ons while making them. For instance, adding printed tags and labels of unique quotations is effective in this regard. You can also put ribbon or paper-made flowers on the top of the box. These add-ons add uniqueness to your packaging and help the audience to show your efforts in presenting your items.

All of these extraordinary tips will surely help you in getting the perfect qualities of wholesale gift boxes. Enhance your packages with amazing customization and personalization options to get the attention of your audience instantly from your presentations. Do not go with traditional generic packages and add flexibility in your packaging solutions to get more out of them. The amazing qualities of these solutions will surely deliver you the customer base that you are looking for in your business.


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Sourcing Rigid Boxes Wholesale Packaging Like a Pro – A Brief Guide



The rigid boxes wholesale have a much more affordable price, yet they are the best in quality. The nature of their manufacturing materials makes sure that they last longer and do not break. They are suitable for accommodating a vast range of products. The materials that are used in their manufacturing include Kraft, corrugated paper, Bux Board, and cardstock. They are quite flexible to use, and that makes them suitable for varying products. Customization techniques are used on them. They are usually available in many shapes, sizes, and dimensions which allows for multiple product accommodations. To get quality and attractive designs on them, different printing technologies are commonly used. These include offset, digital, and screen printing. Pictures, graphics, and images are common choices to add to them. The colouring schemes that are used on them are CMYK and PMS. They are safe for the environment and do not cause any harm.

In a world where everything is sold in the lowest quality possible, it is difficult to find a pure thing. Likewise, choosing a perfect box that is durable, strong, and resilient has become a difficult task. But you will find many options that can give you quality rigid boxes wholesale. The price will also be within your budget, and hence it is a win-win situation for you. It is better to turn to such sources to check for your boxes.

Check Best Online marketplaces of Rigid Boxes

One of the best ways to find authentic and durable rigid boxes is to look at online digitalized marketplaces. There are options that you can consider by visiting such places. You can look for any store that you want and can design rigid boxes in any way that you want. The multiple options for the designs of the boxes allow you to get a box relevant to the needs of your products. 

Look out for Sales 

Another way to get the boxes of your choice is to visit some sales and promotional events. During different events, many brands have ongoing sales and discounts. You can visit these sales to get the boxes for your products. The sales have a huge variety to offer, so you can get the look that you want. The sales are live during different times of the year, so it is easy to get quality boxes.

Visit Different Exhibitions 

The rigid boxes in the UK are best to get through different exhibitions. These exhibitions allow you to explore different options and a wide variety of boxes. From such options, it is a lot easy to get stylish and durable boxes. So, whenever there is an exhibition going on around you, make sure to check it out so that you can get the best boxes. 

Contact with Distributors 

Distributors are a convenient option when you do not have the time to look for boxes. Contacting them will make sure that you get perfect boxes for your products and save you a lot of hassle. You can tell them your requirements, and they then provide you with trustworthy sources. They can also provide quality boxes to your doorstep.

Local Vendors are the Best 

The local vendors around you provide you with many options that you can consider. The most prominent advantage of connecting with them is that you can reach out to them anytime you want. You can also get custom rigid boxes for your products that allow for a better presentation as well. The custom designing options also give you a competitive edge. 

Go to Wholesaler Markets 

Another best thing that you can consider to purchase boxes is to visit wholesale markets. The rigid boxes wholesale are comparatively less in price, and so they fall within your given budget. The quality that they provide is unmatchable, and they work for a vast range of products. They are durable and are made from quality products. There are some important things that you always need to look for while purchasing the boxes. You should never compromise on the quality as it will affect the quality of your products. Make sure to get the perfect boxes that are best in every aspect. For this, you should also check for the authenticity of your boxes. The rigid boxes wholesale have a bearable price that will work best for your brand as well.


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