Tips to cope the curfew & irresistible #SocialDistancing. ඇඳිරි නීති කාල සීමාව ඵලදායීව ගත කරමු. Road to prevent COVID-19.

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Sri Lanka, is seeing its way through to a never-before-experienced change of pace within its routine activities, as the world in its entirety is being forced into #lockdown. As at the 25th of March, 2020, nearly a quarter of the 7.8 Billion humans (bbcnews.com) are giving in, having to live under restrictions to curb COVID-19. Nonetheless, let us without any hesitation recite the fact that, we do have the better half of hope left within us to cherish the pleasant wonderments that 2020 holds. A heartfelt thank you to the unsung heroes fighting this pandemic, as we dearly in our hearts and minds would not be able to pay our dues to them, anytime sooner.

However, at this viewpoint, we come to think that we are limiting ourselves to our households. But, on the contrary, we are revisiting the outer world powered by what is ‘digital’. Speaking of such, one might glue themselves to #Covid19, #LockDown or #SocialDistancing over Social Media, news sites and whatnot, keeping them together in one piece despite the lost freedom to walk out of their homes. As much as helpful this might be, keeping boredom at bay during the COVID-19 lockdown tends to arrive at its daunting boundaries forcing you towards uneasy turn of events.

Well we’ve got you covered! From revisiting the all-time favorite memory of reading a copy of ‘අඹ යහළුවෝ’, to learning Tamil so that you have an edge over the bilingual, here are a few simple and not so stressed out picks for the easement of your worries…

Read something long-lost in your shelves.

Amba Yahaluwo

It’s that moment of ‘walking down the memory lane’. Us Lankans got through our childhood well attached with the unforgettable read, ‘අඹ යහළුවෝ’ (Amba Yahaluwo). It’s no sci-fi, nor action-thriller, but, a pure blend of reality, Ceylonese spirit and nature that ultimately contributes to the making of one fine storyline giving us peace of mind about perspective. Keeping aside the transformation that we have undergone, running by the scented pages of ‘අඹ යහළුවෝ’ wouldn’t certainly cause you any regret. Indeed it would be wise of you to share this very taste of literature with your siblings, and perhaps, your children, as it is no wonder that at the rate we evolve such treasure would go hidden if it is not a done duty of ours to pass it on regardless of it being this particular book or any other book of olden days. Now is the time!

Watch something meaningful.

Keeping up with what was discussed above, there might occur a case of you not having a copy of ‘අඹ යහළුවෝ’ with you, or you being unable to find it in your house. You might as well turn to digital! ‘අඹ යහළුවෝ’ the tele, is available online, and the missing pieces are you, your family and a drink of coffee. If it interests you, there are more choices of good old teles such as ‘ගම්පෙරළිය’ (Gamperaliya) made available online at your convenience, given the growing 7.13 Million internet users in Lanka, a 34% share of the total population as at 2019 (Hootsuite).

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Grow something fruitful.

Curfew, is for the greater good. Authorities have taken responsible decisions for a worthy cause, and it is wrong of ourselves to judge. Since we all dearly hope to feed ourselves, and more importantly, our families, we tend to unknowingly create havoc attempting to do our shopping for groceries once the curfew is lifted. As we do need to steer clear of such cases and do our shopping responsibly, we also need to map out our plan for future scenarios that might be of similarity to this pandemic. In occasions as such, ‘perspective’ matters. Think ‘green’. Think ‘home-grown’. We could do our online research or turn to our parents or grandparents for further expertise on gardening. After all, gardening is no rocket science.

Learn something worthwhile.

Are you farsighted when it comes to your career? Or is it just about a LinkedIn account that says ‘Full professional proficiency’ in English and Sinhala? The United Nations Volunteers of Sri Lanka (UNVSL) is/was on the lookout for translators to aid the procedures pertaining to the prevailing situation of the country, and the globe. You might have taken lessons on languages in school or during any other academic courses, but in any case, if you discontinued to leverage the learning possibilities of such, it might have caused you the loss of an opportunity to help mankind taking up duty as a volunteer to  fight COVID-19. Regardless of your proficiency, there is no better time than now to allocate yourself some time to learn a language you are bad at. If it helps, perspective brings about the fact that, being able to speak and write multiple languages opens up the opportunity of gaining extra income, as companies tend to outsource work processes involving the duty of a translator. Learn Sinhala, learn English. Don’t stop… learn Tamil! Having born and raised in country with vast cultural differences, clinch the extra mile and earn yourself an add-on worthwhile.

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Practicing self-isolation, social distancing and adhering to all other guidelines to help prevent COVID-19 might be a bitter price of life’s hardships. But we’re in this together. And we will get through this. Know the circumstances. Do you duty. #TogetherWeCan.

Sithumina Jayasundara appointed as Chief Operating Officer of HNB General Insurance Ltd.

Image OneHNB General Insurance Limited (HNBGI), the fully owned subsidiary of HNB Assurance PLC (HNBA) announced the appointment of Sithumina Jayasundara to the position of Chief Operating Officer recently. With over 23 years of experience in different capacities, Sithumina holds a MBA from Cardiff Metropolitan University (UK), ACII (UK), ANZIF (Snr Assoc) as well as the status of a Chartered Insurer. Having Joined HNB General Insurance in July 2014, he was appointed to the Group Executive Committee in 2015 and subsequently promoted as the Chief Technical Officer of HNBGI.

He has obtained foreign exposure through different training programmes related to General Insurance and specialized in the field of Reinsurance. Sithumina is the Vice-President of the Sri Lanka Insurance Institute which is affiliated to the Chartered Insurance Institute of UK. He is also the founder Council Member of The Association of Chartered Insurance Professionals (ACIP) in Sri Lanka.

Sharing his comments, Managing Director/CEO of HNBA and HNBGI Mr. Deepthi Lokuarachchi stated, “Sithumina has contributed immensely to the growth and development of the Company, and I am sure he will excel in his new role in steering this company in the future. He has the benefit of a very strong reinsurance background apart from his business acumen and keen technical insight. I wish Sithumina all the very best in his new appointment”.

HNB General Insurance Limited (HNBGI) was created as a fully owned subsidiary of HNB Assurance PLC (HNBA) in January 2015, to give effect to the regulatory requirement of segregation of Life and General Insurance businesses. Thus, HNBGI effectively took over the General Insurance business, handled by HNBA prior to 2015. HNBGI specializes in motor and non-motor insurance solutions, and is presently one of the fastest growing General Insurance Companies in Sri Lanka, with a network of 56 branches. HNBA, the Parent Company specializing in Life Insurance solutions is ranked within the Top 100 Brands and Top 100 Companies in Sri Lanka and has won multiple accolades for Brand Excellence, Digital Marketing and HR Excellence and many awards for its Annual Reports at award ceremonies organized by the Institute of Chartered Accountants of Sri Lanka and the South Asian Federation of Accountants.

Covid-19, a.k.a. Coronavirus; one of many reasons to put Insurance under the microscope.

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Stepping into a new decade where it is an era we expect the ‘revolutionary’ to happen in our lives, or, holistically speaking, in our society, yet many of us tend to be adrift of the unfavorable consequences, that one might often anticipate and still take on assuming “all is well”.

Not to ruin the mood, but, Rule No. 01; ‘No escaping uncertainties’.

2020 started off with an uneasy topic, ‘Coronavirus’. As the general public are well aware about the disease, the dos and don’ts, what is left is to practice what is preached.

Is that it though? Sit back.

Worst comes to the worst, you, or your loved ones could be affected by this condition. This could be for the unavoidable reasons such as having to work in crowded offices or public places, or having urgent overseas travel plans and so on. Counting in all your efforts to fight off this epidemic, you might come short of ‘the essential’. Insurance!

Yet another addition to the rule book is to question where you stand when it comes to Insurance. If you do have a policy, a world health outrage as such would challenge you to review what the extent of your coverage is. These could be raising concerns on the cost you have to bear, such as hospitalization bills, and moreover, overseas hospitalization. Thus, it is your responsibility to have a strong hold on your fallback plan. Having an open mind regarding such unexpected circumstances, it is your duty get you and your loved ones insured and have 01 less problem out of a 101.

Know the circumstances. Do your duty, and keep safe.

For when it is not a hop, step and jump, Travel Insurance!

Picture yourself taking a drive to grab some groceries, having a car insurance, knowing you are covered, or perhaps coming home to sit for a finely laid out dinner with your family, having a home insurance, and rest assured! It is a most welcomed comfort, a relief. During one of these instances, you make high plans to set off on a trip long-overdue. Selfies, the shopping, the food and many more to look forward to. Amidst all happy thoughts and the hype of packing you come to think of what could go wrong. It is indeed a long way from home.

The one piece short of the puzzle, Travel Insurance! If you dare to question why you need it, then here are the whys.

#1: Say you or a member of your family falls ill at the last moment, and staying back to get some rest is what’s best. On top of all worries are the bookings and reservations made, since company policy is crystal clear that there are no refunds for cancellations within 14 days. You won’t be getting your money back.

With travel insurance comes trip cancellation benefits, reimbursement for prepaid, non-refundable trip costs when you have no other choice other than to cancel your plans. So, your investment in happiness is secured.

#2: Passport and ticket, check! You make it to the airport safe and sound, but your flight is cancelled. Or, your baggage goes missing. You don’t want to start off your vacation with such mishaps.

Having travel insurance, it offers travel delay benefits which could reimburse you for additional accommodation/travel expenses. Moreover, baggage delay benefits can reimburse you for a reasonable additional purchase of essential items, reason being a delay or misdirection of such. It’s simply a ‘say no to’ ruining your vacation.

#3: Having reached the desired travel destination, we are somewhat unlikely to be mindful of taking the extra measures of protecting ourselves from uncertainties, be it a sudden illness, an accident, so on and so forth. And the hard truth is that medical emergencies overseas are costly!

With emergency medical benefits that travel insurance offers, losses due to covered medical and dental emergencies that occur during your trip would be paid off. Its emergency medical transportation benefits can pay for medically necessary transportation as well.

Hence, if you are to wonder about or question the importance of travel insurance, leave no room for thinking twice. Should you get travel insurance? It’s an all-caps YES!

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Professional Indemnity Insurance, why you need it and why it matters.

You may excel in your profession, but deep down dwells the worry of uncertainty, no matter how affirmative you are in what you do.  As a professional in your line of work, you deserve to perform out of no fear in the event of such uncertainties that are likely to occur during the course of activity, be it:

  • Professional negligence
  • Breach of professional duty
  • Loss of documents
  • Loss of data
  • Unintended breach of copyright and/or confidentiality
  • Loss of goods
  • Loss of money

…so on and so forth.

This brings to attention that, what you seek is to carry out your work with greater confidence and peace of mind. Hence,

Professional Indemnity Insurance.

In a nutshell, this is an insurance product designed for professional entities and their people, which covers them in the event of certain errors made during the course of their business.

Why you need it?

Mistakes happen. Regardless of the number of years that your firm has been operating, regardless of the experience gained, there always stands a possibility that you or a colleague/team mate could make a mistake.

Why it matters?

Professional Indemnity Insurance covers a professional for their work. It covers the legal costs and expenses that might be incurred as a result of a legal case being made against a professional for their mistake. As an overall, it is important for a business as it brings out the freedom to offer services without having to build in the potential additional cost of any mistakes that the future holds.

So, Professional Indemnity Insurance matters. Be protected against the undesirable and unexpected business outcomes. Perform competitively. Perform professionally.

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Tips for driving safety in the rain.

Driving-Safety-In-the-Rain-3-e1551870149532The effect of soaring rain could often reach its crucial limits, and being mindful of such, it is also important that you conduct your on road chores abiding by the simplest, yet highly effective safety protocols for the one, and only one reason; Safety!  Safety, on this note implies to the end result of all necessary and recommended actions that you should take in order to avoid any cause of trouble on road due to adverse weather such as heavy rainfall. Here are a few tips for driving safety in the rain.

  1. Since you might be stepping out to attend to a duty that is unavoidable, it is wise to start off with checking the brakes of your vehicle.
  2. Also if your wiper blades are old or brittle you might need to consider replacing them so that there will be no cause of blurry vision.
  3. Your vehicle might have bad tires which significantly reduces traction on wet roadways. So keep an eye and do the needful of replacing them.
  4. As you set off on your journey, you should also keep in mind to drive slow on slippery roads.
  5. Applying brakes earlier and with less force might reduce the chance of skidding, which is also very crucial if your path meets cliffs and hills.
  6. It is very likely that hazy and foggy conditions might arise, therefore turning on headlights is beneficial and suggested to assist detection of other beings on road.
  7. As floods are most probable during such weather, you dare should not attempt crossing running water. Instead, find a safe place to park and remain until high water eases, as two feet of water can sweep away your vehicle.

Benefits of Home Insurance

Home insurance provides you with a financial protection in an event of disaster or an accident which involves your home.

  • Protects your most valuable assets

For many, the home they live in is a valuable asset. A home insurance policy can make it possible to pay for the needed repairs.  Damaged roofs, damaged walls or if you suffer a loss due to a fire, home insurance will provide you with financial protection.

  • Protects from natural disasters

This could be every homeowner’s biggest nightmare. Taking up the expenses of repairing a damaged house is not the kind of burden you want to put yourself and family through. Detailed home insurance plan covers you during natural disasters such as floods, landslide and earth quakes. Therefore in order to reduce uncertainty taking a home insurance plan is the best option.

  • Above all it proved a peace of mind

Getting your home insured will give you a luxury of peace of mind. Whether you own an apartment or a house, once you have selected your policy and paid your premium, protecting your property is no longer your responsibility but is the responsibility of the insurance company.

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05 Driving Tips for the Festive Season

The festive season is filled with happiness and celebration. Stay safe on the road and make this season more memorable. Here are some useful tips to keep in mind.

  • Don’t drink and drive – Drunk driving is a major contributory factor to road accidents and road deaths. Plan ahead alternative transportation modes to travel during the season.

 

  • Control the speed – Watch out for the speed on the road. Do not attempt to exceed the maximum speed limit on a given route.

 

  • Wear your seat belt – Always buckle up. Wearing your seat belt can reduce your risk during a crash. Make sure the passengers are buckled into appropriate safety seats.

 

  • Obey road rules –Always obey the rules of the road. Stay within the speed limits at all times.

 

  • Carry an Emergency Kit – An emergency kit should include items that would come in handy if you are stranded on the side of the road or involved in a vehicle accident.

 

Vehicle Battery Maintenance

Similar to toys, every vehicle has a battery and similar to every battery, the vehicle’s battery too drains out. The battery of the vehicle should be looked after and taken care of to avoid any unnecessary damages or any unfortunate situations. Here are some effective tips to take care of your vehicle’s battery:

  • Oil and oil filter

It is important to change the oil and oil filter regularly. The user manual of the vehicle will clearly specify the exact time frame this should be changed. However, it is recommended to change them every 3,000 – 4,000 miles. It this is done without professional help, ensure to dispose the used oil in a proper manner without harming the surrounding or the environment.

  • Fluids of the vehicle

It is important to understand the functions of each fluid type the vehicle needs to function. These could include; brake, power steering, transmission, transaxle, windshield washer and antifreeze fluids. The vehicle manual would specify on the usage of these fluids and their required quantities.

  • Air pressure levels

The air pressure level in tires is another important aspect to consider. This should be checked at least once a month to avoid any sudden road hazards and to minimize battery damage.

  • Lights and blades

These include headlights, turn signals, brake lights and taillights and ensure to replace the windshield if it has been damaged or torn.

  • Warnings Signs

Be cautious of any warning lights or signs. Such warnings could indicate an internal issue and should be taken care. Avoid using the vehicle without proper inspection when there are such warning signs.

Be safe at all times!

 

Heading Out? Some Useful Tips.

Taking out your fancy car for a spin could be fun. Going on a road trip with your loved ones could be exciting. Driving around for days could be trilling. But, how safe are you on that driver’s seat? Here are three simple yet useful tips to ensure a smooth journey.

  1. Clean Windshield:

An unclean windshield could be a safety hazard and a driving obstacle. It could even be a major road distraction. It is important to have a clear windshield especially during long road trips. After a couple of hours on the go or even after a drive on the highway, the windshield will have a blurry effect. It is important to make a stop and to clean the windshield with proper cleaning fluid. In addition to the windshield, make sure the headlights are well cleaned as well. This is important especially for long drives after sunset.

  1. Tire Pressure:

The tire pressure is very essential to ensure a smooth ride. Tire pressure will keep you safe on rough paths. It is mentioned that tires with the correct pressure has a longer life span as well as it helps in increasing fuel efficiency. In order to get an accurate reading, always check the tire pressure when the tires are ‘cold’. Find out the recommended pressure for your vehicle (this is mentioned in the owner’s manual or on a panel inside the driver’s side door). The tire pressure should be checked with the use of a pressure gauge.

  1. Oil Level:

Motor oil is considered to be something vital for the performance of your vehicle. This prevents the vehicle from dysfunctions as it lubricates all moving parts connected to the engine. In order to avoid any dysfunctions on the road, it is important to check the oil level regularly. Checking the oil level is simple and easy and every manual explains it in easy steps.

Bon Voyage! 

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