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.

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.

Get a Motor Insurance Quote via SMS in 3 Steps

Motor Insurance.

This is usually the first thought by any vehicle owner. If you are a parent, this would be the first thing you would mention to your son/daughter who decides to get a car: ‘Make sure you have motor insurance!’. That being said, some of us have no idea about the cost of motor insurance. If this is you, and  you want a more convenient method to get a quote, we have one! You can get a quote from HNB General Insurance via SMS in 3 steps:

 Step 1: Text MQR to 072 020 0200 (Standard SMS Charges Apply)

mqr

Step 2: Select from the options provided

As you can see, its a lot of information.

First Photo-pick your Vehicle type, usage and value

It doesn’t stop there. Here is the second part of the message:

photo 2Step 3: Text us for your premium

Thankfully, the SMS prompts give you an example on how you should respond. Lets say you have a car (1-vehicle type), which you intend to use for yourself (A-private usage), plan to purchase MotorGuard (M-product) and have your car valued at Rs. 2,000,000/-, send your text in the following manner (see below), and the premium will follow.

ONE more

And there you have it! An obligation free motor insurance quote directly to your mobile in 3 simple steps.

Found this useful? Subscribe to our blog for more helpful tips and tricks!

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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.

Going Drinking? Here are 3 Painfully Easy Steps to get Home Safe

This week is a pretty good week to be Sri Lankan: Two holidays in the same week!! During these holidays, people choose to relax. For all you adults out there, this usually involves going to a friend’s place for a glass of alcohol (sometimes more!). Here are 3 steps to ensure that you have fun, and still get home safe and sound.

If you are throwing a party

Offer non-alcoholic beverages: The best hosts never push their guests to drink. Be a good host and offer non-alcoholic beverages: juice, water, soft drinks. Chances are some of your guests may not seek to over indulge.

Have some food: A well filled stomach slows the rate of alcohol absorption. Make it a point to serve many appetizers (everybody loves chinese rolls) or even a good meal, if your budget allows it.

Keep an eye on your friends: The funny thing about alcohol is, you know when somebody has had too much. If your guests show any signs of being overly tipsy, ensure that you arrange a cab or pair them up with a sober friend. Hiding their keys is a good option if they are a really close friend. After all, you wouldn’t  want your friend to get hurt… do you?

DO NOT drink and drive

If you are going out to drink

Be responsible: You are a consenting adult and should know your limits. By all means, have fun. However, the last thing you want to do is to be that person who drinks too much and is the embarrassment of the party or worse, get involved in a nasty accident.

Choose a designated driver: If you are going out with some friends, decide who will be dropping you off, and ensure your driver doesn’t drink any alcoholic beverages.

Call a cab: If nobody in your group is sober, take another way home. The cab may get delayed on popular holidays, but its better getting home late by 30mins than not getting there at all. Make it a point to have enough money to call a cab/tuk when you are going drinking. It gives you and your loved ones peace of mind knowing that you will be back home alive.

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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.