6 Tips for Driving in the Rain

Here are six useful tips for driving in the rain.

Slow down: Always drive at a slower speed when the roads are wet. The faster you drive in a rainstorm, the more likely you are to have an accident.

Maintain a reasonable distance with your front vehicle: Slick, wet roads and reduced visibility can lead to crash or accident. Give other vehicles plenty of space and brake early with reduced force.

Don’t brake while hydroplane: Pushing breaks may cause your vehicle to go into a skid or spin. Take your foot off the gas pedal and keep the wheel straight until your car reclaims.

Don’t use your cell phone while driving: Especially in the rainy days you need to give your full attention to your driving and keep your eyes on the road.

Clear your windshield: Heavy rain can cause your windshield to quickly fog up. clear your windshield to maximize your visibility.

Avoid big puddles: If you see a big puddle drive around or take a different route.

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HNB Assurance Group Ends Financial Year 2017 with a Superlative Growth

HNB Assurance PLC (HNBA) and its fully owned subsidiary HNB General Insurance Limited (HNBGI) posted a Profit After Tax (PAT) of Rs. 910 Mn for the year ended 31st December 2017, depicting a steady growth of 41% in comparison with the PAT of Rs.647 Mn recorded in 2016. The Group recorded a Gross Written Premium (GWP) of Rs 7.82 Bn, signifying a growth of 17% as contrasted with the GWP of Rs. 6.65 Bn recorded in the financial year 2016. The Parent Company, HNB Assurance PLC recorded a GWP of Rs 3.96 Bn and the subsidiary, HNB General Insurance Limited recorded a GWP of Rs. 3.86 BN.

The Group was able to yield an Interest and Dividend Income of Rs. 1,693 Mn, showcasing a growth of 43% against an Interest and Dividend Income of Rs. 1,180 Mn achieved during the previous year. Total Assets of the Group reached a mark of Rs. 18.65 Bn and Investments in Financial Instruments reached a value of Rs 15.05 Bn. During the course of 2017, the Life Insurance Fund reached a value of Rs. 10.9 Bn and the General Insurance Fund reached a value of Rs 2.38 Bn.

Expressing her views on the solid financial performance during the year under review, Chairperson of HNB Assurance Group, Mrs. Rose Cooray stated “the Group delivered a superlative financial performance during the course of 2017, depicting a steady flow of revenue generation and accelerating progress towards achieving our corporate goals during 2017. The Management guided by the Board has meticulously executed a well-crafted plan that focused on creating value to all stakeholders. Not only have we been able to fulfil the aspirations of the shareholders, the Group paid out Rs 2.29 Bn in claims and have focused on rewarding its employees, while contributing towards society through various corporate stewardship initiatives and we are confident that this growth we’ve embarked on will continue during 2018”.

Sharing his thoughts on the Group’s financial performance, Managing Director/CEO of HNBA and HNBGI Mr. Deepthi Lokuarachchi stated “the strategies deployed during the course of 2017 led the Group capture emerging and dynamic markets. The Group was able to maintain its solid industry position throughout the course of 2017, despite the volatile macro-economic conditions and heightened competition.  The financial growth of HNBA Group in 2017 has been consistent throughout the year. The positive growth momentum of these financial results was triggered by the strategic investments of the Group and the dynamic policies followed in underwriting risk. The General Insurance business showcased an exponential growth during the course of 2017, surpassing the growth rates of the industry. HNBGI was able to achieve this outstanding growth as a result of its well-focused risk selection, effective management of claims settlement as well as its pricing strategy. It is noteworthy, that both the Life and General Insurance businesses took great measures in settling claims, especially claims pertaining to catastrophes such as floods and epidemics such as Dengue. The Management of HNBA Group remains confident of its future outlook and in seizing every opportunity to further consolidate the Group’s financial standing”.

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05 Best Job Interview Tips

Here are some effective interview tips to face a job interview successfully.

  • Know your employer:

Carry out a background study and conduct an in-depth research about the employer. Know about the industry, the macro and mic conditions acting upon the industry. The more research you conduct, the more you’ll understand the employer, and the better you’ll be able to answer interview questions

  • Prepare effective responses for common interview question:

This is another effective way to prepare for an interview. Identify common questions related tot he job as well as the industry. Prepare for questions from and individual interviewer as well as a panel.

  • Dress code matter:

The first impression matter. Select a dress code which reflects your personality. Be mindful of the colors, designs and other elements of the dress code

  • Arrive on time:

Be at the given location at least 15 minutes prior to the allocated time. This will help you to relax and be ready for the interview.

  • Be authentic and confident:

Be focused on the questions and answer with confidence. The key to success is the quality and delivery of your responses. Provide solid examples of your accomplishments and your strengths.

HNB General Insurance Appoints Jude Benjamin as its Chief Business Officer for Personal Lines and Branch Network

HNB General Insurance Limited (HNBGI) a fully owned subsidiary of HNB Assurance PLC (HNBA) announced the appointment of Jude Benjamin as its Chief Business Officer for Personal Lines and Branch Network.

A professional with a charismatic and a dynamic personality and a product of St. Thomas’ College, Mount Lavinia, Jude holds expertise of over two decades in Marketing including, brand building, marketing communications, business development, event management as well as broker development.

Prior to the appointment of HNBGI, Jude has held many Senior Managerial positions. At his last position, Jude served Orient Insurance Limited as the Senior Vice President for Distribution and Marketing for a span of five years, prior to which he functioned as the Assistant Vice President, Marketing of American International Group (AIG). He has led many initiatives in developing distribution initiatives as well as strategizing operations and setting up and monitoring distributions channels. In addition, Jude has served Asian Alliance Insurance as the Head of Marketing for a period of two years and Union Assurance PLC as the Manager for Broker Networking for a period of six years.

All About Road Safety

Walk safe, drive safe and be safe!

Walk safe:

  • Make sure to study about pedestrian rules and regulations
  • Be alert to reckless driver behaviors
  • Avoid walking in areas where you cannot be easily seen
  • Cross only at designated pedestrian-crossings
  • Watch for signals and lights on the road
  • Walk on the sidewalk (pavements). If there is none, walk on the side of the road, facing oncoming vehicles

Drive safe:

  • Familiarize yourself with controls in the car before driving
  • Move driver and front passenger seats back as far as possible
  • Whenever possible, begin your trip in daylight
  • Avoid the usage of cell phones and other distracting equipment while driving
  • Follow road rules and road signs
  • Know about the condition of your vehicle

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.

 

Do It Yourself: Tips for a Smoother Oil Change

Worried about changing oil in your vehicle? We’ve got some simple tricks to make it smoother.

  • Before you being the process, examine the engine. In case the engine is cold start your vehicle and let it run for five minutes in order to warm the oil. If the engine is too hot, wait for at least 30 minutes to avoid hassles.
  • Make sure not to use an adjustable wrench or socket on the drain plug. Use the properly sized box-end wrench, usually metric, for the plug.
  • Make sure to use jack stands always. Never work under a car that’s supported by a jack only and use new oil to coat the oil filter gasket before spinning it on.
  • Always hand-tighten the filter. Never use a filter wrench.
  • Line up all the oil bottles you’ll need for the fill so you don’t lose count along the way.

Items You Should Always Keep in Your Car

Essential items to store in your car

  • An Empty Gas Can: This becomes very useful when your vehicle runs out of fuel and is stuck in the middle of the road. Make sure the can is empty as filled cans could be harmful.

 

  • Water Bottles: This is another essential item in case you’re stuck in a traffic jam or you face a sudden breakdown. A water bottle in the vehicle can be a real life saver!

 

  • Traction Mats: This is another ‘must-have’ in your vehicle. When your car’s spinning its wheels on mud, a traction mat which is made of plastic or lightweight steel can help you get unstuck.

 

  • Jumper Cables: This is another absolute essential. A paid of jumper cables can help you start the car’s dead battery and bring it back to life. Follow the proper instructions before jump-starting your vehicle.

 

  • A Flashlight: An LED flashlight could be very useful in case you’re stuck on the road during the night time or looking to fix a broken vehicle.

 

Looking After Your Vehicle Like a Grown-Up

 06 helpful tips to take good care of your vehicle

  • Tires: Ensure the tires contain the specified tire pressure. The tires should be replaced once the tread wear indicators are visibly seen between the threads. The tire pressure has an impact on the fuel efficiency and other driving conditions. Check the tire condition and pressure every other day to avoid any unfortunate situations on the road.

 

  • Oil: This needs much attention. The oil level of the vehicle should be changed every 3,000-3,500 miles for a smooth, uninterrupted, quiet drive. Make sure to check the oil level of the vehicle regularly. Be mindful of the type of oil used.

 

  • Windows: Make sure windows are cleaned with proper solution. In case a window is damaged make sure to replace it. Check for regularly cracks or damages. A smooth wiper will clean the windows in a proper manner.

 

  • Brakes & batteries: Pay attention to the braking system of the car in order to maintain maximum braking efficiency. The brakes should be checked immediately in case something irregular is noticed. Check the battery once a month. In case the battery runs, have it checked by a professional.

 

  • Interior: The interior ambiance of the vehicle is another impart part of the cleaning process. Make sure to dust out every possible part of the vehicle. If possible use a car vacuum to clean the vehicle effectively.

 

  • Lights: The headlights, taillights,  brake lights, reverse lights, parking lights and signal lights are checked often. in case the lights dimmed, make sure to get it checked by a professional.

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