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Over the next week, super heavy showers are set to hit the Indian subcontinent, especially in the states of Tamil Nadu, Kerala, South Interior Karnataka, Konkan and Goa, Madhya Pradesh, Maharashtra, Arunachal Pradesh, and Gujarat, the IMD (<keyword id="19963725" type="General" weightage="20" keywordseo="Indian-Meteorological-Department" source="keywords" meta.keywordsubtype="org" meta.entityname="Indian Meteorological Department" meta.hostid="261" meta.entityid="Indian Meteorological Department">Indian Meteorological Department</keyword>) has predicted. Yesterday, India's financial capital, Mumbai was hit by a surprise, albeit hefty deluge of rain. Consequently, a yellow alert was issued for Thane, Pune, Palghar and other areas near to Mumbai. Between October 13-16, very heavy rainfalls are also expected in Kerala, Tamil Nadu, Andaman and Nicobar Islands, Gujarat and Andhra Pradesh. It's no secret that incessant rains also bring about significant economic damages. As seen very often in the past, a constant barrage of torrential rains can also quickly create a flood-like situation, which can wipe away houses, vehicles and everything that comes in its way. Per media reports, the average economic impact on India due to <keyword id="19912527" type="General" weightage="20" keywordseo="floods" source="keywords">floods</keyword> between 2011 and 2021 has been a staggering Rs 25,805 crore. Imagine this-your entire se is flooded. Water has seeped into everything—your walls, furniture, and even the plumbing. Without a <keyword id="22058670" type="General" weightage="100" keywordseo="home-insurance" source="keywords">home insurance</keyword>, you'll have to spend a hefty amount towards repairs and to get your life and home back on track. <h2>Getting your home insured</h2>So, if you are wondering how to protect your hard earned material but immovable assets like house, the answer is right in front of you- Home Insurance. Says Dilip Baba, Head of Commercial and Speciality Underwriting, Go Digit General Insurance, "People usually spend their entire life savings on purchasing a home. However, people rarely think about how to protect their investment. By investing in the safety of home insurance, you can enjoy peace of mind knowing that your property is covered in case of unforeseen events. With home insurance, you can opt for three types of coverage-structure, content and comprehensive. While structure simply insures the physical, immovable formation of your house (walls, roofs), content coverage goes a step ahead and takes care of damage caused to your movable items like furniture, electronics and other items due to natural calamities, theft and more, up to a certain limit. This can also include any valuable artwork or antiques, or additional installation like solar panels you might have at your home. A comprehensive home insurance brings together both structure and contents in its insurance ambit. Having a home insurance can not just protect you from natural calamities like floods, but also from unforeseen events like theft, fire and more. The annual premium of a home insurance policy can range between Rs 2,000 to Rs 10,000 depending on the type and extent of coverage taken. Before buying a policy, be sure to clarify whether it offers actual cash value, which considers depreciation, or replacement/reinstatement cost, which covers the full replacement without depreciation deductions. To be on the safe side, you can also choose additional covers like accidental death insurance, or rent coverage, if you lose out on rental income due to damage caused to your property. You can use the carpet area of your house to get a sense of your home insurance requirements. Other covers you can opt for include valuable contents (on agreed value basis under home contents cover), additional living expense cover, tenant liability insurance, among others. Says Amit Bhandari, Chief Technical Officer at Magma HDI General Insurance, "When selecting a policy, it’s crucial to assess the unique risks that your home may face, particularly if you live in an area susceptible to <keyword id="19922196" type="General" weightage="20" keywordseo="natural-disasters" source="keywords">natural disasters</keyword>. You should tailor your coverage to address these risks while considering premium reduction strategies, such as excluding unnecessary coverages".

Heavy rains to lash across the country between Oct 12-16, here's how you can insure your home from rain's fury

In 2007, <keyword id="21532126" type="General" weightage="20" keywordseo="brian-chesky" source="keywords">Brian Chesky</keyword> and Joe Gebbia, two hustlers in San Francisco, were struggling to pay their rent. To make ends meet, they devised a creative solution: renting out air mattresses in their living room to travellers. This simple yet innovative idea, dubbed "Air Bed &amp; Breakfast," aimed to offer affordable lodging options by leveraging the unused space in people's homes. It created a new industry in itself and made <keyword id="19900375" type="General" weightage="20" keywordseo="AirBnB" source="keywords" meta.keywordsubtype="org" meta.entityname="AirBnB" meta.hostid="261" meta.entityid="AirBnB">AirBnB</keyword> a startup worth dozens of Billions. But it did create a dilemma for travellers! As the service quality tends to vary quite a lot based on the location and the host, how can you be sure that your stay will be comfortable? <h2>A monsoon staycation in <keyword id="19895061" type="General" weightage="20" keywordseo="goa" source="keywords">Goa</keyword></h2>In mid-August, my friend and I planned a week-long budget staycation in Goa to relish the monsoons and enjoy the hospitality of this tourist paradise of India. But the very first day, the long and arduous bus travel from Goa’s Dabolim airport to our AirBnB in Palolem wringed out every bit of our zeal for adventure from our bodies. It was dark, raining cats and dogs and we could not see a thing on our two-wheeler journey from the bus stop to our AirBnB. Only our strong desire to find a mattress (hopefully dry) to rest our weary backs on got us to our destination. It was 10 PM when we reached our homestay and it was still raining, giving us a real taste of the Goan monsoon we were so eager to experience. The caretaker was nowhere to be found, but our host assured us via WhatsApp that all had been taken care of and that we just needed to get the keys from the security guard stationed outside the gated community. <div type="Article" hostid="261" msid="112809655" title="Hosts have ruined Airbnb with excessive fees, high demands, and bad customer service, travel experts say" mstype="2" mssubtype="0"></div> <h2>Struggles at the Goa AirBnB </h2>Soaked to our bones and shivering, we were quick to follow his bidding. As the key turned in the door, I was already thrumming with excitement at the prospect of a hot bath and warm blankets. However, as we stepped inside, the musty scents of mould and rotting wood hit our nostrils. Still optimistic, we warily ventured inside, reassuring each other that the room just needed a little bit of airing out. Peak monsoon was still in its last vestiges and the place had been closed for a long time, it was only normal for the place to smell musty, we comforted each other. But once we’d taken care of our sodden selves and equally sodden luggage, we got a closer look at our accommodation — the one we had booked after much deliberation and thoroughly going through the reviews. The place didn’t just reek of mould, the black stuff was everywhere and the smell wasn’t going anywhere. One asthmatic looked to the other, knowing that staying here for the entire duration of our trip was out of the question. Amongst them, the socially awkward one told the people-pleasey one to speak with the host and inform him of what was going on. When we texted our “superhost”, he offered to shift us to another property he owned in the same building. But lo and behold, that flat was just as bad, if not worse. We finally made the tough call of possibly upsetting our host and asking for a refund so we could find another property. Simultaneously speaking with him and AirBnB <keyword id="19925749" type="General" weightage="20" keywordseo="customer-support" source="keywords">customer support</keyword>, we shared why we couldn’t continue our stay there and attached a bunch of pictures — clearly displaying the mould and dust. The response was pleasantly surprising! <h2>Experience with the customer service</h2>The customer service executive immediately agreed to cancel our reservation and our host agreed to refund all of our money as well. In the meantime, we were panicking about finding another accommodation in the short window of time we had. Every passing moment felt like we were inching closer to a night stranded in the storm. Our refund was guaranteed, but there was a twist! The hosting platform said that it would need about 2 weeks to process our refund. And since we were overly confident about our meticulous planning, we didn’t have enough cash to book a whole other property without the refund. We communicated the same to our hosting partner’s customer service and they turned out to be empathetic to our situation. After much back and forth, mostly to get a better understanding of our situation, and which location we wanted to shift to, we finally went to bed at the same property, hoping for amicable resolution in the morning. Within a few hours, the AirBnB asked for our preferences for relocation. We also spoke with our potential new host to make sure their place was mould-free. Soon, customer service got back to us saying that they had reserved the new accommodation for the rest of our week-long trip and also gave us a “one-time courtesy” coupon for the same amount that the new place would cost us. It slowly dawned on us that this meant that our stay would be practically free! All the hopelessness from starting the trip full of rain and rot turned into glee and we wasted no time packing up our bags and riding off to our new destination — which turned out to be much cleaner, mould-free and in a much better location! <h2>Takeaway</h2>Our main takeaway from the whole experience was that you cannot research a place enough! When looking at reviews, firstly make sure that there are enough of them, and then ensure that they’re recent. Read between the lines and ask your potential host very specific questions. Most importantly, document any issues that you’re having immediately because Airbnb generally sides with the guest if there’s clear evidence, as per reports. Have a few alternative listings saved in case something goes wrong, especially during peak travel times or in popular locations and keep some extra funds handy for emergencies, like needing to book a hotel for a night while sorting out an issue with Airbnb or the host. This way, you can possibly skirt past the problems we faced during our stay and increase your chances of having a positive homestay experience! <div type="Article" hostid="261" msid="112495578" title="Airbnb&amp;#39;s struggles go beyond people spending less. They&amp;#39;re losing some travelers to hotels." mstype="2" mssubtype="0"></div>

An AirBnB property almost ruined our Goa staycation, but customer support saved the day with another free accommodation!

8 essential food tips you must follow during monsoon in India

The <keyword id="23021375" type="General" weightage="20" keywordseo="domestic-passenger-vehicle-industry" source="keywords">domestic passenger vehicle industry</keyword> volumes declined by low single digit in August 2024 as compared with August 2023, because of weak retail demand trends and higher <keyword id="21396778" type="General" weightage="20" keywordseo="inventory-levels" source="keywords">inventory levels</keyword> at the dealerships according to Kotak Institutional Equities. The report suggests that the major reason for the sluggishness in sales of tractors is the uneven spatial distribution of rainfall, particularly in northern and eastern regions. It also highlights that growth will pick up in the coming months on the back of <keyword id="23021373" type="General" weightage="20" keywordseo="improved-monsoon" source="keywords">improved monsoon</keyword> conditions. The upcoming festive season will also improve the situation as traditionally it is a peak period for auto sales. Strong festive demand could help offset some of the losses experienced in the first half of the fiscal year. The weak wholesale figures in August were driven by private vehicles (PV), commercial vehicles (CV) and tractor original equipment manufacturers (OEM). Retail sales declined in single digits (yoy) for most of the companies. The PV segment saw a low single-digit decline in domestic wholesale volumes year-on-year (YoY) in August 2024, driven by weak retail demand and elevated inventory levels at dealerships, which stood at approximately 70 days. The retail sales fell by mid-single digits YoY during the month. Maruti Suzuki India Limited (MSIL), the largest player in the segment, reported a 4 per cent YoY drop in total volumes, including a 5 per cent decline in domestic sales but it was partially offset by a 6 per cent rise in the export volumes. MSIL's wholesale market share is estimated to have slipped by 250 basis points YoY to approximately 40.5-4 per cent says the report. Other major players also faced challenges in sales. Tata Motors recorded a 3 per cent YoY decrease in PV volumes, while Hyundai Motors reported an 8 per cent drop. However, Mahindra &amp; Mahindra (M&amp;M) bucked the trend with a 16 per cent YoY increase in PV volumes, and Toyota India posted a significant 37 per cent YoY growth on low volumes. Kia and MG Motors also experienced an uptick in sales. The two-wheeler (2W) segment showed resilience with high single-digit YoY growth in domestic wholesale volumes, largely driven by channel filling ahead of the festive season. Retail sales of the internal combustion engine (ICE) two-wheelers grew by mid-single digits YoY, while electric two-wheeler (EV 2W) sales surged by 41 per cent YoY, propelled by new mass-market EV launches and attractive discounts. Among the key players, Hero MotoCorp (HMCL) saw a 5 per cent YoY rise in volumes, and TVS Motor reported a robust 14 per cent YoY increase, with growth in both domestic and export segments. Bajaj Auto's volumes grew by 18 per cent YoY, driven primarily by domestic sales. However, Royal Enfield faced a 5 per cent YoY decline in volumes. Going forward, the report highlighted that the Commercial Vehicle (CV) segment underperformed during the month, with domestic volumes declining by low double digits YoY, primarily due to weakness in the Medium and Heavy Commercial Vehicle (MHCV) truck and Light Commercial Vehicle (LCV) segments. Tata Motors experienced a 15 per cent YoY drop in domestic CV volumes, with sharp declines in Small Commercial Vehicle (SCV) cargo (down 23 per cent) and MHCV trucks (down 15 per cent). Ashok Leyland also reported a 7 per cent YoY decline in CV volumes, while VE Commercial Vehicles (VECV) managed a modest 1 per cent YoY increase. In August, the domestic tractor segment remained flat YoY with volumes coming in 5-6 per cent. During this period, M&amp;M's tractor volumes grew by 1 per cent YoY, while Escort Kubota's volumes remained unchanged compared to the same period last year. The report says that strong festive demand could help offset some of the losses experienced in the first half of the fiscal year, particularly if economic conditions and consumer sentiment improve.

Auto Industry sales to surge on the back of improved monsoon, festive season demands: Report

You Searched For "monsoons" and got 4 results

Heavy rains to lash across the country between Oct 12-16, here's how you can insure your home from rain's fury

Ira Alok Puranik

An AirBnB property almost ruined our Goa staycation, but customer support saved the day with another free accommodation!

Ashmita Gupta

8 essential food tips you must follow during monsoon in India

Ayush Mehrotra

Auto Industry sales to surge on the back of improved monsoon, festive season demands: Report

ANI

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