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.


Safety Tips: Driving in the Rain

Worried about driving in the heavy showers? Here are some useful road tips to ease your drive during the rainy season.

Know the Route: Make sure you’re aware of the proper route of your destination. Avoid suing any congested alternative routes or roads that are flooded.

Follow the Rules: Adhere to road rules and respect the fellow drivers. Following road rules reduce accidents rates during the rainy season.

Lights Matter: Make sure that your vehicle is visible to your fellow drivers and other pedestrians. Use appropriate lights to be seen during the heavy showers.

Slow Down: The roads are slippery. Slowing down will avoid many unpleasant situations on the road during thunder showers. Take extra care to slow down when rain first starts, as fresh rain will bring out the oils on the roadway and make roads more slippery.

Give Room: Make sure to give enough space to other vehicles and always main an appropriate distance between two vehicles. In case of a sudden breakdown, your vehicle wouldn’t be stuck in the middle.

Sudden Movements: Avoid sudden movements on the roads. Stick to your lane and adhere to the given speed limit.

Watch for Pedestrians: Watch out for pedestrians on the road and on pedestrian crossing lines. Pay attention to the road and leave distractions aside.


Road Safety Tips to Keep in Mind

Here are some quick driving tips to keep in mind!

  • Be safe on the road. Don’t let children to fight or climb around in the vehicle. Make sure children are always buckled up and the doors and shutter and closed and locked appropriately. One accidental bump or too much noise can easily distract you from concentrating on driving safely.
  • Avoid cell phones and other distracting devices. Cell phones can easily distract you from the task at hand. Keep all the devices aside and focus on the road.
  • Avoid driving when you’re tired or stressed out. Be aware that some medications can cause drowsiness and make operating a vehicle very dangerous. Get adequate sleep and make sure you’re physically and mentally fit enough to drive a vehicle.
  • Always use caution when changing lanes. Cutting in front of someone, changing lanes too fast or not using your signals may cause an accident or an unpleasant situation.



Parallel Parking Tips

The ‘S’ Way of Parking

Worried about parallel parking? Here are simple tips to help you out:

  • Always look out for incoming and back traffic
  • Make sure your foot is always on or near the brake pedal
  • Ensure the parking space is at least six feet longer than the vehicle
  • Flash the brake lights and put on your turn on signal lights before you park
  • Reduce the speed


The ‘S’ Method

  • Turn on your signal and pull up three feet away from the vehicle you want to park behind. Make sure to align your back tires with the other vehicle’s back bumper
  • Put your vehicle into reverse and turn your wheels all the way to the right
  • Very slowly back up until you are at a 45-degree angle, then stop
  • Turn the wheels all the way to the left
  • Back up very slowly until you are parallel with the curb

Road Rage and 05 Easy Ways to Stay Calm

Road rage is referred to the sudden anger provoked within a motorist. As we all know, road rage could lead to many unpleasant memories. Here are some simple steps to stay calm during road rage.

  • Control Your Rising Anger

It is important to identify the factors which lead to road rage. Some of these indicators may include angry thoughts, tension, muscle ache and headaches. Once you identify the factors which lead to road rage, it is important to look out for these factors.

  • Take Time to Calm Yourself

Its important to stay calm despite the angry/vengeful thoughts. Make sure your’re in a safe location on the road. If you find it difficult to calm your thoughts on the middle of the road make sure to move your vehicle aside safely. Be mindful of any road signage, pedestrians or incoming traffic. This would help you to collect fresh thoughts.

  1. Use Techniques to Stay Calm

Make sure to use breathing or meditating techniques to stay calm during a tensed situation. Deep breathing is a quick and an easy breathing technique that help individuals to stay calm. Given the situation, use simple meditating techniques to stay calm.

  1. Listen to Calming Music

A soft or a relaxing tune will help to keep calm during a tensed situation. Avoid listening to fast-paced, aggressive music during a tensed situation.

  1. Counting Helps

Counting during a tensed situation could help you to remain calm. Count upwards for about a minute and change the pattern and continue for another minute. Focus on the breathing pattern while you count. This will help you to stay calm and would surely cheer up your mood.

Steering Wheel: Protecting and Cleaning

Many tend to forget to clean the steering wheel which is an important interior element of your vehicle and  which is constantly held while driving. The steering wheel is a known place which gathers dust and other dirt particles, especially if the hands are too moist. Here are simple yet effective ways to clean the steering wheel.

  • As the initial step, a wet towel could be used on the steering wheel to soften the grime
  • A degreaser or any other solution could be used on a microfiber towel
  • Gently rub the towel on the steering wheel and circulate in small sections
  • Continue to wipe the steering wheel gently
  • Once you deice the steering wheel is fully cleaned, wipe the steering wheel in a 360 degree circle in order to make the cleaning even
  • Once the steering wheel is cleaned with a wet towel with a preferred solution, with another fresh slightly wet towel, gently clean off the steering wheel
  • To end the process, add a preferred protectant as necessary

Look Right, Left and Right Again

As you may have observed, traffic usually come from your right side when you’re waiting to cross the road. If you’re looking for a safer way to cross the road, here’s what you should keep in mind.

As traffic usually flows from the right direction, ensure that your right side is clear of traffic or any sudden vehicles. If the road is clear, check the left side for any sudden vehicles or traffic towards you. You should then check the right side again, as this will inform you of any sudden traffic before you reach the middle of the road. As you reach the middle of the road, you should look again to your left.

Keep in mind, although this is the known case, several roads may differ. Some roads could be one-way roads and some roads would give out specific directions for pedestrian crossing and movement of vehicles.

Stay focused and stay away from distractions. Leave mobile phones and other devices aside when you’re about to cross the road. Stay safe!

Places to Travel When You’re Adventurous, Young and Broke!

Surreal places for your bucket list when you’re young, broke and adventurous!

Sri Lanka:

A land like no other, with exotic beaches, breezy mountain ranges, breathtaking views, warmth smiles of and the collaboration of multi cultures and traditions. A country known for its special taste buds. The wildlife, the beaches, the waterfalls, the hill country, the tea estates, the paddy fields will make you fall in love with this blessed island.




Another cool city for your bucket list. Budapest, known for the Danube River which divides the city into two. A remarkable destination known for its spectacular views. Tourists often roam on the leafy Buda side during the day, and the party-goers on the Pest side in the evening.  A place to travel if you’re truly looking for adventure.



Rio de Janeiro:

The Marvelous City, some may call it, Rio de Janeiro is for those who are spiritual in the mind or searching in the soul. Many Christians around the world consider this city just as important a place to visit in their lifetime as Mecca or Jerusalem. Get ready for a mind blowing trip that will have you immersed in the culture of spirituality and faith.




The outer look of the city would look just like any other large. A single trip to the Grand Palace or a shopping-spree in Bangkok will make you understand what’s so special about this often overlooked city. Bangkok takes great pride in its’ royal family and royal grounds. The palace is completely indescribable unless you have seen it first hand and even then you can’t believe it.




If you’re looking for a surrounding with crystal clear beaches, this is it. Maldives, another beautiful destination for a relaxing vacation. What makes this place special is its breezy surrounding  and the welcoming culture. The crystal clear waters and the sandy shores will make you feel like you’re in paradise. This surely is a popular destination among many young travelers.


Travel with peace of mind. MyTravel, a special travel policy to suit the wanderer within you. Find out more on 011 4 883 883.


Cars talk to Cars! The Next Big Thing!

Ever wondered what the next big thing automobile would be? Well, wonder no more! We’ve got the answer right here for you. Car-to-car (C2C) or vehicle-to-vehicle (V2V) communication is said to be another ground breaking advanced innovation which would eventually help in reducing the number of roadside accidents. As reported, this allows vehicles to broadcast their position, speed, steering-wheel position, brake status, and other data to other vehicles within a few hundred meters. Cars will talk to other cars, exchanging data and alerting drivers to potential collisions. They’ll talk to sensors on signs on stoplights, bus stops, even ones embedded in the roads to get traffic updates and rerouting alerts. And they’ll communicate with your house, office, and smart devices, acting as an digital assistant, gathering information you need to go about your day.

The other cars can use such information to build a detailed picture of what’s unfolding around them, revealing trouble that even the most careful and alert driver, or the best sensor system, would miss or fail to anticipate. C2C communication should also have a bigger impact than the advanced vehicle automation technologies that have been more widely heralded. V2V warnings might come to the driver as an alert, perhaps a red light that flashes in the instrument panel, or an amber then red alert for escalating problems.

Marine Insurance – A Whole New Meaning

Over the past decade the demand for Marine Insurance has increased by a significant percentage. This is mainly due to the commercial activities of various trades. Here’s what you need to know about Marine Insurance.

  1. Benefits for Businessmen

The main threat faced by individuals in the trade of transporting goods from a country which is located either side of the sea is the economic cost and loss due to the damage or sinking of the ship. This reason is often associated as a discouragement to engage in such trade. In this sense, a marine insurance would provide necessary compensation and the property owner or the businessman will not have to incur the loss on damage of goods.

  1. Benefits for Ship-Owners

Ship may be destroyed due to different types of risks on the marine venture and ship-owners may have to incur larger amounts of loss due to the destruction of the ship. A Marine Insurance policy provides compensation of loss to the ship-owner, considering the amount of loss.

Know More about HNB General Insurance (HNBGI) Marine Insurance Solutions

With peace of mind and security, HNBGI offers range of Marine Insurance solutions.

  • Cargo Insurance

Cargo Insurance provides cover for goods that are transported by sea, rail and airfreight, or by post which encompasses imports, exports and inland transit shipments globally. Our Cargo Insurance provides cover that can be tailored to suit the unique characteristics of the commodities being transported. Other types of Cargo Policies can be issued for more complex types of risk.

  • Marine Cargo (Imports and Exports)

General Cargo which is generally shipped in containers (where standard and comprehensive covers usually apply) Specialized Cargo such as perishable commodities and Bulk Cargo (where specific cover is put in place). Policies required an appropriate wider cover during the entire import or export, whether by sea, land or air from the seller’s to the buyer’s premises – including storage incidental to the shipment.

  • Goods in Transit

If you regularly transport goods, we can arrange: Marine Cargo Open Policy covering all types of goods on rates and conditions agreed upon. This type of policy remains open until cancelled by either party. Shipments are declared on a monthly basis and premium is calculated on each every declaration submitted. As an option, we can also arrange an annual policy where premiums is calculated annually and charged once to cover the total shipments during the policy year.

  • Inland Transit

This covers local transit of goods within the boundaries of Sri Lanka (not associated with an import or export) which are generally conveyed by independent carriers.

  • Stock Throughput

A specialized policy which embraces the cargo risk, inland transit risk and risks associated with the storage of stock. Goods are usually insured from the supplier or manufacturer until placed in the hands of the end customer.

  • Hull Insurance

Provides cover for commercial vessels used for commercial purposes, such as those used for charter. We provide a wide variety of cover – from All Risks through to Total Loss cover only, including machinery breakdown, special equipment and collision liability cover. Mainly for: Cargo Vessels, Pleasure Crafts and Jet Skis

  • Liability Insurance

Mainly cover liability arising out of Freight forwarding operations and P&I cover.


If you need more information and assistance, get in touch with HNBGI on: 0114 883 883