I renewed my car insurance this year.

When I checked the invoice, it quoted a sum almost 2x of last year’s premium.

“Why?” I enquired.

“Maam, you made an insurance claim last October. Ergo, you lose the benefit of NCB i.e no claim bonus!” came the cheeky reply.

To confound it, the claim was made because the paid driver took a calculated risk … realised he had miscalculated – and created a deep gash in me car’s beautiful booty.

And that is exactly how karma works.

Years of punya can be flattened by one sin. Even if the sin is committed on your behalf by a third person.

In other words, years of ‘no claim’ was my accumulated punya (piety). One claim (paap aka sin) and it crashed down to nil.

What say?

No point wailing. Flex those lungs. Deep breath. Begin collecting back those punya, brownie, + points. Start from scratch.