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Save on new car insurance premium using No Claim Bonus

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People today understand the importance of the No Claim Bonus (NCB) feature in vehicle insurance. However, many people might be unaware that they can also claim NCB on a newly purchased car.

As per Indian Motor Vehicle Act, it is mandatory to own a third-party vehicle insurance coverage for driving a car on public roads. However, this only covers you against third-party damages and not damages to your own car. To cover against damages to your own car in case of an accident, you have to purchase either a stand-alone own-damage policy or a bundled comprehensive insurance that covers damages to your own car, self, as well as third-party.

Comprehensive car insurance policy premiums are higher than third-party insurance policies. However, you can avail No Claim Bonus (NCB) discount on your previously sold car to reduce the premiums considerably.

No Claim Bonus in Car Insurance

NCB is a unique feature where the insurance firm rewards the policyholder for not making an insurance claim during the policy period. In other words, NCB is the discount applicable to the own-damage component of the car insurance premium for every claim-free year.

You must note here that the NCB feature doesn’t apply to third-party vehicle insurances irrespective of the number of claims-free years maintained by the policyholder.

The NCB can be as high as a 50 per cent discount on the own-damage premium if no claim is made for five consecutive years. However, it goes to zero the moment you file an insurance claim.

Transferring NCB on Purchasing a New Car

NCB is the reward given to the policyholder and not the vehicle. Therefore, you are eligible to retain your accrued NCB after selling the old car or while switching your insurance provider during the policy renewal. Additionally, as the NCB is for the individuals and not the car, it can also be transferred to the legal heir within 90 days from the death of the insured.

Steps to Transfer NCB from Your Old Car to the New Car

– Ensure Proper Paperwork While Selling Your Old Car

Collect the proper sales invoice and the sales deed while selling your old car. Submit RTO forms 29, and 30 and keep adequate copies of the submitted form.

– Apply for NCB reserving certificate

Inform your existing insurance provider that you have sold the car and apply for transfer of NCB along with copies of the documents mentioned above. The insurer will then issue the NCB reserving certificate with a three-year validity.

– Transfer NCBTransfer your NCB by submitting the NCB reserving certificate to the insurer of your new car. Few insurers especially if it’s a public company may also require sale proof document and transferred RC copy along with the NCB reserving certificate.

Once you complete the procedure mentioned above, your NCB will be transferred to the new car insurance plan.

Remember, even small claims on your vehicle insurance can reduce your NCB to zero. Therefore, it is advisable to use your insurance claim prudently after a cost-benefit analysis. If you can hold on to your NCB for a long period, such as five years, it can significantly lower your car insurance premium on your newly purchased vehicle.

This article is authored by Ravichandran N, the Chief Technical Officer at Kotak General Insurance, and views expressed in this article are the author’s personal views.

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Couple Pitara Introduces Affordable Personalized Gifts for Every Occasion

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New Delhi, June 24, 2025: Couple Pitara, a leading provider of personalized gifting solutions in India, has officially introduced a comprehensive range of affordable and creatively customized gifts, designed to cater to various celebrations and special occasions. Well-known for its distinctive products, Couple Pitara aims to deliver memorable gifting experiences to individuals, families, and corporate clients across India.

A Comprehensive Range of Unique Personalised Products

Couple Pitara’s extensive portfolio of personalised gifts features vibrant neon signs, creatively designed caricatures, and innovative Spotify-themed products, including keychains and custom cushion covers that uniquely integrate personal song choices. Adding further practical appeal, the brand offers personalised thermal bottles featuring temperature displays, ideal for everyday use or corporate gifting.

Moreover, thoughtfully designed personalised coffee mugs, creative photo frames that elegantly capture precious memories, engraved pendants for stylish wearers, and premium-quality pens and leather wallets for professional gifting contribute significantly to Couple Pitara’s diverse offering.

Recent market insights further validate this personalised approach. According to Deloitte’s Consumer Review Report, personalization significantly impacts consumer purchasing decisions, highlighting its growing importance not only as a current trend but as an enduring future strategy for engaging consumers meaningfully.

This evidence underscores Couple Pitara’s commitment to leading this important consumer trend by continuously innovating and enhancing its product range.

Quality Personalisation with Genuine Affordability

At Couple Pitara, affordability is a core value that does not compromise quality. Personalised products start at just INR 249, making thoughtfully customized gifts accessible to a broader audience.

To further enhance affordability, the brand provides exclusive offers, including attractive first-order discounts and additional incentives on prepaid orders. These initiatives ensure

customers enjoy premium personalized gifts without overstretching their budgets, effectively bridging the gap between quality and affordability.

Enhanced Corporate Gifting Solutions

Acknowledging the increasing importance of corporate gifting within India’s professional landscape, Couple Pitara has developed specialised gifting solutions to cater specifically to corporate clients. The brand’s tailored offerings, including engraved pens, customised desk sets, personalised thermal bottles, and fun caricature gifts, provide sophisticated options for businesses seeking meaningful ways to acknowledge employees, celebrate professional milestones, or strengthen relationships with valued clients.

Corporate gifting at Couple Pitara goes beyond mere branding, with each product thoughtfully designed to subtly represent the corporate identity while remaining practical and desirable for recipients. These gifts not only reflect corporate values but also effectively strengthen professional bonds, resulting in improved engagement and long-lasting business relationships.

User-Friendly Online Platform and Efficient Delivery

Couple Pitara prioritises customer experience through its easy-to-use online customization platform, enabling customers to seamlessly upload images, personalise messages, and instantly preview their gifts before finalizing their purchase. The intuitive interface simplifies the customization process, significantly enhancing user satisfaction and convenience.

Moreover, Couple Pitara maintains efficient pan-India delivery services with reliable timelines, complemented by expedited delivery options for metro cities such as Delhi-NCR. This commitment ensures that customers can confidently order personalised gifts, knowing they will arrive on time and safely, contributing significantly to the brand’s trustworthy reputation.

Founder Tushar Batra emphasises, “Our goal at Couple Pitara is to simplify and democratise personalised gifting in India. We believe everyone deserves access to unique, meaningful gifts without financial strain. Our extensive range caters to varied tastes and occasions, making personalised gifting practical and accessible for all. We are dedicated to delivering lasting value through thoughtful and affordable personalisation.”

Reliable Customer Testimonials Enhance Credibility

Couple Pitara’s dedication to exceptional service, affordability, and superior product quality is consistently echoed in customer testimonials. A prominent corporate client noted, “Couple Pitara significantly streamlined our Holi gifting process, smoothly managing customised gifts for over 50 employees. The team’s responsiveness, attention to detail, and quality products significantly enhanced our overall experience and reflected positively on our brand.”

About Couple Pitara

Founded by Tushar Batra, Couple Pitara has swiftly established itself as a trusted provider of personalized gifts in India. The brand prides itself on creativity, innovation, and affordability, consistently meeting the evolving needs of individual and corporate customers. Couple Pitara continues to strengthen its market position through meaningful products and exceptional service delivery.

For more information, please visit Couple Pitara.

Media Contact:

Couple Pitara Support Team Email: support@couplepitara.com Phone: +91-8930353292

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Kimbal Reaffirms Commitment to North-East Energy Transition at IEEMA’s Northeastern Power Conclave Event

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New Delhi [India], June 16: Kimbal Private Limited, one of India’s foremost OEM to Advanced Metering Infrastructure Service Provider (AMISP) companies, reinforced its long-standing commitment to the North-East power sector at the Indian Electrical & Electronics Manufacturers’ Association (IEEMA) regional energy summit held in Guwahati on 17-18 June 2025.

During the opening session, Chief Business Officer Gurpreet Oberoi traced the region’s transformation from manual billing to data-driven efficiency towards a reliable grid, underscoring that “smart meters are the foundation on which resilient, digitally empowered utilities are built.” His remarks carried special significance as Kimbal’s very first utility project began in Assam in 2016. That early collaboration laid the groundwork for today’s large-scale deployments across the North-East. Since that first 14,000-meter pilot with APDCL, Kimbal has shipped more than 1.5 million integrated AMI endpoints in the region. Each endpoint pairs a BIS-certified single-phase or three-phase smart meter with an RF-mesh communication module and a secure, cloud-native Head-End System.

The solution is live or under rollout with five Northeastern utilities –Assam Power Distribution Company Limited (APDCL), Meghalaya Power Distribution Corporation Limited (MePDCL), Sikkim Power Department, Department of Power Nagaland, and Department of Power Arunachal Pradesh–helping them curb technical and commercial losses, improve outage response, and introduce consumer-facing digital services.

Nationwide, Kimbal has supplied over 3 million smart meters and has worked with more than twenty utilities, making it one of the fastest-growing AMI providers under India’s ambitious Revamped Distribution Sector Scheme (RDSS). Growth has been anchored by the company’s four-acre mega manufacturing plant in Greater Noida, Uttar Pradesh. Fully automated assembly lines give the facility a rated capacity of 30,000 smart meters per day, while an in-house Manufacturing Execution System guarantees high precision throughput and complete traceability from PCB loading to final packaging.

Kimbal’s technology leadership extends beyond hardware. Its AI-enabled meter-reading solution, trained on computer-vision models, automatically extracts and registers data and diagnostics from photos of the static meters display. APDCL’s early adoption of the tool accelerated their bill processing cycles and improved collection efficiency across not only urban but rural areas, too.

Looking ahead, Kimbal is sharpening its focus on technology-driven energy intelligence with three new digital solutions in the pipeline. Energy Management Solution (EMS) will automate power procurement for commercial and industrial customers, continuously matching demand with the most cost-efficient supply. A dedicated Energy Monitoring Tool (EMT) will provide substation-level oversight, automating usage analytics and alerting operators to anomalies in real time. For households, a forthcoming appliance-wise consumption tracker will break down energy use by device, turning raw data into clear budgeting insights. This new product line reaffirms the company’s commitment to staying at the forefront of innovation and extending affordable, reliable, high-quality electricity to everyone it serves.

The Guwahati event drew senior officials from government departments, nodal agencies, distribution utilities, and manufacturing partners. Their discussions converged on a single theme: that reliable data and indigenous innovation are essential to the North-East’s economic aspirations.

About Kimbal

Founded in 2011, Kimbal Private Limited delivers end-to-end AMI solutions, RF-mesh communication infrastructure, and AI-based tools that enable utilities to provide reliable, affordable, and sustainable energy to millions of consumers. The company’s portfolio now spans hardware manufacture, software development, and data-intelligence-driven services designed to accelerate India’s energy transition and support global decarbonization goals.

For additional information, visit www.kimbal.io or email to stories@kimbal.io

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String Metaverse (BSE: META) Secures Canadian Fintech License, Rebrands to String Payx

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String Metaverse rebrands to String Payx after securing Canadian Fintech License

Hyderabad (Telangana) [India], June 17: InString Metaverse Limited (BSE: META), a next-generation digital finance infrastructure Web3  company, is pleased to announce that it has officially received its Fintech License (MSB registration) from FINTRAC Canada, headquartered in Vancouver. In alignment with this significant milestone, the Canadian company will undergo a strategic rebranding to String Payx, with the name change to be reflected across all regulatory and operational platforms within the next 60 days.

This license marks a pivotal expansion for String Metaverse, empowering it to launch comprehensive Web3-enabled digital banking services, including:

  • Issuance of Virtual Debit Cards
  • Cross-Border Wire Transfers
  • Full-suite Payment Solutions for businesses and individuals
  • Virtual Corporate Accounts
  • Seamless Crypto-to-Fiat On-Ramp and Off-Ramp capabilities

String Metaverse is uniquely positioned at the convergence of gaming, digital assets, and fintech. With an existing user base of 4 million gamers, projected to reach 10 million, the company will leverage this license to issue Virtual Visa and Mastercard Debit Cards, fully integrated with Apple Pay and Google Pay. This enables instant global payments at over 170 million merchants across both physical and digital platforms.

“This license is a game-changer,” said [CEO  Santosh Althuru], CEO of String Metaverse. “It enables us to power the next wave of financial services for Web3-native users, seamlessly merging crypto, gaming, and global payments.”

This development is aligned with String’s mission to build the public infrastructure layer for open, yield-bearing financial ecosystems on blockchain — where stablecoins, tokenized assets, and real-world payments converge.

About String Metaverse first Web3.0 company listed on Indian exchanges (BSE: META), is building the Internet Financial System of the future. The company’s infrastructure powers scalable digital banking, payment rails, and asset tokenization, connecting Web3 innovation with real-world utility across borders

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GNC India Launches Protein Wafer: The Best Munch with a Protein Punch! Xtra Crunchy. Xtra Munchy. Xtra Healthy.

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Mumbai (Maharashtra) [India], June 16: Guardian Healthcare Pvt. Ltd., the primary franchisee of GNC in India (“GNC India”), has announced the launch of the GNC Protein Wafer, a revolutionary protein-enriched snack that promises to transform how Indians satisfy their cravings. Combining mouth-watering taste with clean, functional nutrition, the Protein Wafer is designed for the modern-day consumer who refuses to choose between health and indulgence.

The GNC Protein Wafer offers a convenient solution for fitness conscious customers on the move. Each pack delivers 10 grams of high-quality whey protein, and is free from sugar, trans-fats, and palm oil. This innovative offering blends taste, texture, and nutritional integrity into a snack that feels like a cheat but isn’t.

Speaking on the launch, Balaji Uppala, CEO of GNC India, said, “Today’s Indian consumer is sharper, more aware, and seeking products that deliver real value, nutritionally and experientially. The GNC Protein Wafer is not just a snack, it’s our answer to the evolving lifestyle where protein is essential, but pleasure is non-negotiable. We have created a wafer that is both functional and fantastically craveable.”

The GNC Protein Wafer supports muscle recovery and lean mass development, while also helping curb those sudden hunger pangs that usually lead to poor snacking choices. With zero sugar and no artificial fillers, it fits seamlessly into high-protein diets, fitness plans, or simply as a smarter everyday snack.

Ashutosh Taparia, Managing Director and Board Member of Guardian Healthcare, commented, “Consumers no longer want boring nutrition. They’re asking for indulgence with intention, food that performs and delights. The GNC Protein Wafer brings that balance to the shelf–pure protein, rich flavors, clean labels, and total snack satisfaction.”

The GNC Protein Wafer is now available in three indulgent flavor varieties, carefully crafted to appeal to a wide range of palates. The coffee flavor delivers a deep, roasted aroma paired with smooth creaminess. The chocolate version offers intense cocoa notes wrapped in a delicate crunch. The peanut butter flavor brings a bold, nutty richness that lingers delightfully.

Find the GNC Protein Wafer on GNC India’s official website and in select retail stores nationwide, or on Amazon, Flipkart, Nykaa, and Hyugalife. The GNC Protein Wafer is poised to be the country’s next go-to snack for health-conscious millennials, gym-goers, working professionals, and anyone craving something deliciously functional.

Backed by GNC’s commitment to innovation and quality, the Protein Wafer is redefining how India eats, trains, and indulges–proving that a snack can be both clean and delicious.

For media inquiries, please contact:

Tanya Sharma

tanya.s@oneguardian.in | +91 99991 47699

About GNC:

GNC is a leading global health and wellness brand that provides customers with a wide variety of science-based products and solution services to live well. The brand touches consumers worldwide by providing its products and services through company-owned retail locations, domestic and international franchise locations, digital commerce, and strong wholesale and retail partnerships across the globe. GNC’s diversified, multi-channel business model has worldwide reach and a well-recognized, trusted brand. By combining exceptional innovation, product development capabilities, and an extensive global distribution network, GNC manages a best-in-class product portfolio.

About Guardian Healthcare Private Limited:

Guardian Healthcare Private Limited, is the master franchisee holder of GNC for India. Guardian Healthcare, with 60+ premium pharmacies across India, serves over 10 million customers. Offering 100% reliable health, wellness, and pharmaceutical products, Guardian Pharmacy prioritizes reliability, customer satisfaction, and trust.

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Flexo Rides the Flexible Workspace Wave as Demand Surges Across India

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Mumbai (Maharashtra) [India], June 13: The flexible workspace segment is witnessing a remarkable transformation in India’s commercial real estate landscape, with India’s metro cities leading the charge. Amid this momentum, Flexo, a new-age commercial real estate advisory and marketplace, is positioning itself as a key enabler for companies embracing agile and cost-efficient workspace models.

According to recent industry data, flexible workspaces accounted for over 12.5 million sq ft of office leasing in 2024, a 44% year-on-year jump. In Mumbai alone, vacancy rates dropped to 11.9% – the lowest in years – driven in part by strong uptake of managed offices and coworking spaces.

“This isn’t just a rebound. It’s a fundamental shift in how companies think about space,” said Vivek Kundnani, Founder and CEO of Flexo. “Businesses today want offices that are fast to set up, easy to scale, and designed around people. Flexibility is no longer a perk. It’s a strategy.”

The post-pandemic era has accelerated the move toward hybrid work and decentralized teams. As a result, companies are rethinking traditional leases in favour of managed office solutions that offer plug-and-play readiness without the burden of capex or long lock-ins.

India’s flex office stock is projected to cross 125 million sq ft by 2027, and more than 14% of all new office leasing is now driven by coworking and managed operators. In Mumbai, Bengaluru, Hyderabad, and Pune, demand is particularly strong among global capability centers (GCCs), scaling startups, and enterprise teams seeking collaborative, high-quality work environments.

Flexo’s rise has coincided with this trend. The Mumbai-based startup blends the on-ground expertise of a traditional property consultant with the DNA of a tech start-up. It helps companies find and implement the right workspace strategies – whether it’s a coworking space in Andheri, a managed office in BKC, or a fully customised corporate headquarters.

“Our edge lies in local intelligence,” said Kundnani. “We don’t just aggregate listings – we understand micro-markets, operator strengths, lease dynamics, and how to match space to a company’s culture and growth plans.”

What sets Flexo apart is its dual approach. The company advises on office leasing across conventional and flexible formats while also operating a discovery platform for coworking and managed offices across major Indian cities. This allows businesses to explore options ranging from fully built offices to warm shell units – all through one partner.

As the workplace continues to evolve, Kundnani believes companies will adopt a more dynamic mix of formats. “The future of work if flexible,” he said. “Leaders are asking: how can our offices adapt to new business realities, attract talent, and still control costs? That’s where Flexo comes in.”

Flexo also plays a strategic advisory role for leading coworking spaces in Mumbai, helping them identify high-potential micro-markets, negotiate leases, and scale their footprint with precision. By leveraging data insights and on-ground intelligence, Flexo supports coworking operators in making expansion decisions that balance demand, occupancy potential, and long-term viability.

With a strong base in Mumbai and growing reach across India, Flexo is carving out a niche in the flexible workspace economy – one that is increasingly shaping the future of commercial real estate in India.

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