8 Ways to Drive in Wet Weather

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car

HOW TO: Buy a Vehicle. Step1- Assess Your Needs

So you’ve decided to purchase a vehicle, congratulations. If you’re stuck on how to proceed, not to worry. We’re here to help. Take a look at these factors which will help decide your future automobile.

Price

vehicle price, automobile price, car price
Image Credit: Automedia

First things first, focus on what you need and not what you want. For example, many drivers would love to have an expensive automobile such as a Ferrari, but that’s not what you need. Look at your finances realistically, as it will dictate what you can buy. Make an allowance for automobile insurance, vehicle servicing, registration and taxes as well.

Vehicle Size

If you have more than 3 or 4 people who will be using the car, its time you looked into a bigger vehicle. Otherwise, look into a smaller automobile. These are a lot cheaper and are very reliable. In addition, newer small vehicles provide excellent protection in the event of a crash. Furthermore, unless you plan to drive long distances off road, purchasing a 4WD is quite unnecessary, as you would be better off hiring it when you need to.

Automatic or Manual

stick gear shift, manual gear shift, automatic gear, manual gear
Image Credit:Youthvillage

This one could be based on your preference, but it actually come down to your license. Yes, an automatic is a lot easier to use than a manual, but make sure that your license says that you are allowed to drive one.

Used or New

This depends a lot on your preference as there are pros and cons for both. Buying a brand new automobile means that you will have more peace of mind as you purchase directly from a dealer, however you may be able to find a bargain buy if you were to purchase your automobile from a private seller if you look hard enough.

Fuel type

This is a tricky option here. As mentioned earlier, Sri Lankans are buying greener vehicles. Look at what matters to you: Using petrol is a cheaper option, but if you wish to make an eco-friendly purchase, you could look into a hybrid vehicle as well.

Next time we will make suggestions on how you can get information about your dream car. In the meantime, share your thoughts: what type of automobile do you really need?

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Disclaimer: The views shared in this blog are based on the macro economic conditions & industry status quo as per the time of publishing.

6 Ways to Stay Healthy During the Rainy Season

It’s that time of year again, when it’s constantly raining. Make it a point to stay healthy during this Christmas season by following these tips:

1. Keep your rainy weather gear ready

For most people, it would mean an umbrella. However, if you don’t have access to a car, a raincoat/waterproof jacket is something you should look into. The last thing you’d want to do is to start (or finish) your day soaked, as you could also end up catching a cold as well.

umbrella
Image Credit: TravelUmbrellas

2. Watch out for mosquito’s

During the rainy season, mosquito’s breed more due to plentiful amounts of stagnant water. Keep a close eye on water containers and replace them often. Given the fact that mosquito borne diseases like Dengue, Malaria and Chikungunya have caused many people to fall ill, its important to stay safe

3. Exercise

Exercising often allows you to get rid of the cold before the situation is exacerbated. This is because frequent exercise stimulates blood flow, thereby boosting our immune system. Having trouble exercising? Check out our 5 step guide to get started.

4 Eat Right

It’s always a good idea to drink hot beverages, especially green teas (detoxifying agent), or garlic/ginger tea as well as soups. Furthermore, try to eat hot foods as much as possible.

water
Image Credit: Dreamstime

5 Stay hydrated

It sounds obvious, but its worth repeating: stay hydrated. Make it a point to drink 2-3 litres of water on a daily basis. This is because water ensures that your body stays ‘fresh’ and water keeps you healthy.

6 Sleep

If you are getting less than 6  hours of sleep, you are more likely to be at risk of catching a cold. This is because your body does need to rest, so stay healthy and spend a little more time sleeping!

Now that you’re sorted, take a look at our checklist to ensure that your vehicle runs longer, and is ready to handle the wet roads.

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Disclaimer: The views shared in this blog are based on the macro economic conditions & industry status quo as per the time of publishing.

The Ultimate Travellers Checklist: Cold Climates

UPDATE: The blog post you are looking for has moved, you can read it here. Otherwise, if you plan to go somewhere hot instead, read our Ultimate Travellers Checklist for Cold Climates here

UPDATED: All Things Insurance: Answers to your Top FAQ’s

Like most insurance firms, the call center at HNB Assurance has a lot of questions. Sometimes, the same questions are asked often, such as “What is My Pension?”. We had a chat with our call center team/head of call center dept and have compiled your Frequently Asked Questions and decided to answer them for your convenience.

Updated: March 30th, 2015

Q: What’s your hotline/contact number for HNB Assurance & HNB General Insurance?

A: Since the Insurance industry  split from Jan 1st 2015, all our Life Insurance solutions are under HNB Assurance. You can call the number for HNB Assurance, which is 0114-384-384 for all your life insurance needs. On the other hand, call the HNB General Insurance number on 0114-883-883 for Motor insurance, Home Insurance, Travel insurance and business insurance solutions. 

Q: What should I do in case my vehicle meets with a motor accident?

A: Just dial our 24 hour hotline for HNB General Insurance on 0114-883-883 to report your accident to one of our customer service representatives. They will take your information and reassure you while an assessment officer arrives to inspect your damaged vehicle. After inspection, you will need to produce a repairer estimate (from your vehicle repairer) to go to the next step of your claim.

motor accident, road accident, vehicle accident
Image Credit: SundayObserver

Q: OK, I’ve got a Repairer Estimate, what do I do now?

A: Simply forward your repair estimate via e-mail, fax or hand it to your closest HNB General Insurance branch or our Motor Claims Department located at 51A, Dharmapala Mawatha Colombo 03 and we’ll take it from there.

Q: How do I report damage caused to my home, if I have a Home Insurance Policy with HNB General Insurance?

A: Call our hotline on 011 – 4 883-883 to report your loss. One of our team members will be there to help. Once you have provided your details of damages caused to your home, our representative will document this information and send an assessment officer to meet you and inspect the damages caused.

customer service, call center
Our amazing customer service team

Q:  I want to get a Motor Insurance Quotation, but I don’t have the time, can you help me?

A: Gone are the days when you had to run around and wait for insurance quotes. The HNB General Insurance ‘Motor Guard’ series gives you the convenience of getting the best vehicle insurance rates instantly by sending a SMS to your mobile phone. Simply Text MQR to 0720 200-200. Here are in depth-instructions in case you get stuck.

Got a question for us? Ask away in the comments section!

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Disclaimer: The views shared in this blog are based on the macro economic conditions & industry status quo as per the time of publishing.