July 22, 2014

Why motorbikes are better than cars


The world is full of obsessive motorists who spend hour after hour, and pound after pound, on their four-wheeled obsession. Countless mini-Clarksons out there think cars, from the E-type to the Land Rover to the Subaru Impreza, are the pinnacle of man’s achievements. But they are sadly mistaken, because motorcycles are better.

Obviously there’s less scope to carry your shopping home on the back of your bike, let alone head off on holiday with the family, but for countless reasons, cars are left in the shade by their two-wheeled cousins. Here are some of the major reasons.

Expense

There are some amazing cars to drive out there, and a handful of them don’t cost the same as a house. The Mazda MX-5 and Subaru Impreza are high-class machines for average Joes but for the same price as a second-hand model you can get a superbike like the incredible Suzuki Hayabusa. New, high-quality bikes can cost £5,000 or less, and a classic Harley will set you back less a new Renault Twingo. Getting specially designed insurance like Bikesure bike insurance means you can continue enjoying two-wheeled motoring for less.

Experience

The very act of riding a motorcycle means it is a better motoring experience. Even the best driving machines are essentially boxes that keep you from the open road. This is not the case on a motorbike, where it’s just you, your leathers and the incredible feat of engineering beneath you. Fresh air vs air conditioning? On a great driving road, in the sun, there is no contest whatsoever.

Convenience

On the open road, motorcyclists can open up the throttle and really enjoy life while in traffic, they don’t have to put up with its miseries either. Motorbikes are great for weaving through stationary traffic while drivers slowly lose their minds and the advantages don’t end there. As they take up much less room, a garage can comfortably house three or four bikes, which can still all cost less than a Ford Mondeo.

Fuel

While motorists pull their hair out as fuel prices climb over £1.35 per gallon, motorcyclists chalk another one up in the win column. The thirstier bikes out there get about 30 mpg, which is about the same as a Toyota Yaris. The best performers can get over 100mpg, which means they perform better than the eco friendly Toyota Prius.

Hobby Potential

There are plenty of mechanically-minded car enthusiasts who love nothing more than to slide underneath the object of their desire and tweak its parts, but the accessibility of the machinery and lack of body to mess up means bikers have far more scope for playing with their machines or even rebuilding them from scratch. Bikers don’t just have the opportunity to spend more time with their bikes; there is a strong community around motorbikes, which makes them a brilliant way to meet like-minded people and travel to different parts of the country or even further afield.

How to find the best car insurance deals for students


Sometimes a car is the only option for getting around. With a great many university campuses situated out of town, even the best bus routes and public transport options can eat up a considerable chunk of your day. With inflation, student fees and scarcity of part time jobs squeezing the student wallet, finding the best deal is crucial.

The AA has some startling statistics that show why car insurance is so expensive for young drivers.

1.            1 in 5 drivers are involved in a crash during their first year on the road

2.            Male drivers aged under 21 are 10 times more likely to have a car accident than male drivers aged 35 or over

3.            Young drivers have a higher proportion of crashes at night than older drivers

4.            1 in 8 British drivers are under 25, but a quarter of drivers who die in traffic collisions are in this age group

5.            In 2007, 40% of passengers killed or seriously injured – meaning lost limbs, paralysis, brain injury and other life-changing injuries – were in a car driven by a young driver*

It’s no surprise that the young pay a high premium for insurance, but with a few canny tricks and tweaks you can start to cut your bill down to size.

Types of insurance.

Insurance is a legal requirement for all UK drivers but not all insurance is created equal. Third party only is the most basic form of cover, and insures against claims made against you following an accident in the event of injury or damage to property. Third party fire and theft will additionally protect your vehicle against fire damage or theft. Traditionally this was the cheaper option but fully comprehensive insurance can sometimes be cheaper. In addition this cover protects your vehicle for accidental damage and may include other perks such as cover for personal possessions or medical costs.

No claims bonuses.

By not making claims you can reduce premiums with a no claims discount. Leaving home for University is the perfect time to start your own insurance policy and by driving carefully start to build up discounts.

Choosing the right vehicle.

The make, model engine size and age of your car will have a large impact on the size of your insurance premium. Opting for a smaller less powerful car will bring in the cheapest deal and additional savings come from a lower road tax charge.

Your neighbourhood.

The location where you intend to leave your vehicle will also affect your premiums. Parking is off street is goof, or in the best possible scenario you have access to a garage. Insurance companies also look kindly on vehicles with extra security features such as immobilisers.

Add a named driver.

By adding a named driver to your schedule you can cut the cost of your insurance, even if they drive the car infrequently. It’s worth pointing out that their age and driving experience are the criteria your insurers will consider.

Shop around.

It pays to spend some time contacting insurance providers in search of the best possible deal. The Internet has many price comparison website that will allow you to compare car insurance quotes from hundreds of providers. By tweaking your cover details you can assess what steps to take to best reduce your premium.

Young driver accident statistics
1. Road Casualties Great Britain 2006, Department for Transport
2. DSA, The Schools Programme, Driving Standards Agency, 2000
3. Association of British Insurers, 2007
4. Night-time Accidents, H. Ward, Centre for Transport Studies, University College London, 2005
5. Road Casualties Great Britain 2007, Department for Transport.

Buying Private Hire Insurance


When buying private hire insurance, you must first determine the type of risk you are taking and then to work out a budget. In order to do this, you will need to be certain of not only your present but of your future requirements as well. With respect to the vehicle(s), there value should be considered as well as all the potential disasters such as fire, vandalism, theft and accidents. An additional consideration is in relation to claims which employees may make against you, including any legal or medical fees which may become due.

Once the risks have been evaluated and you have determined if any of them can be reduced or eliminated, you are then in a position to choose the right kind of private hire insurance. The main 2 types of this are Public Hire and Private Hire. Public Hire insurance covers drivers who pick up customers without a prior booking. Private Hire Insurance covers those drivers whose bookings are made prior to the journey. There are additional sub categories both Public and Private Hire Insurance, some are based on the number of passengers, others on the kind of vehicle and others on the location.

Don’t neglect to do some comparing of different policies or you will probably end up paying over the odds for your Private Hire Insurance, this isn’t a difficult process and can be done online. Firstly visit websites which allow you to compare policies and other’s which specialise in Private Hire Insurance but which may require forms to be filled in. It is vital that you are absolutely open when completing these forms as any errors or mistakes may result in policies being invalidated if a claim is made. You are free to discuss discounts or policy amendments with insurers but always ensure that the proposal form is completed comprehensively.

When the full Private Hire Insurance Policy Document arrives, read the details to ensure that the information you provided has been transferred correctly. Any inaccuracies must be reported to the insurer and corrected by them. Once you are satisfied that the policy is correct, it should be stored and all relevant staff members be made aware of where it is.

Brought to you by the specialist insurance comparison site Redmetro.

Landlord Insurance Protects Assets Today and Tomorrow


An investment in landlord insurance is an investment in protecting future assets. The cost of property is expensive and for a landlord, the only way to ensure maximum profit potential into the future is through landlord insurance. The range of landlord insurance products available is both far and wide. Since every property is different, landlord insurance is able to be purchased in different types of cover to satisfy any requirement needed.

Damage to residential or commercial properties during the time of occupation by tenants is normal. To put it into minor terms, hanging a picture on the wall with a secure hanger and nail will result in damage. The damage is not overwhelming, but it is still damage. This will occur in any structure which has been occupied by anyone. This type of damage, no matter how minor, has to be covered by some sort of insurance. This is where landlord insurance becomes relevant. Not only will landlord insurance cover major damage or accidents to a structure, but it will also cover the smallest nail hole in the wall.

Landlords insurance is simply a necessity. Accidents will occur. It will rain at times. Any landlord who is preparing for the future and wants to protect his or her investment will be wise and purchase landlord cover. Aside from the normal damage which will take place over time, landlord insurance will be there to protect you in the unfortunate occurrence that a tenant leaves before the end of their committed term. Tenants will run into financial difficulty at times also. Landlord insurance will be there in such a time. Loss of rental income is nothing to discount. Protect yourself through the purchase of landlord insurance.

Theft is another issue which will be dealt with over time by landlords. Theft by not only tenants, but deliberate break-ins and theft of various objects within the residential or commercial structure will take place. Landlord insurance is a safeguard against such matters. Landlord insurance is obtainable online and monthly premiums are able to be automatically withdrawn from most bank accounts.

Landlord insurance will come into play at some time during the tenure of owning a residential or commercial structure. Do extensive research, understand the value of the assets you are protecting and never let a day come without landlord insurance. The future will be much brighter with landlord insurance by your side, protecting your valuable assets.

Hiscox Comment on Cyber Crime


Following the recent online data hack where millions of names and email addresses were stolen, Matthew Norris, e-risk and privacy expert at specialist insurer Hiscox, comments:

“The early signs are that Sony has suffered a breach of security which necessitates a redesign of their security, an unusual response and major undertaking likely to indicate a significant security vulnerability.

“It seems no fraud monitoring services are currently being offered: this may be a sign that Sony is not yet confident what accounts the hacker gained access to, and so is not willing to offer such a service to 70 million + users until they know who has been affected, when such a service could cost over $100 million.

“It all points to a sophisticated hack, rather than a college prank: sophisticated hacks are an accepted part of the threat landscape now, and often involve criminal networks to sell and use the data stolen.

“And the cost?  Too early to tell, but the week’s delay, the outages, and lack of certainty in the communications will undoubtedly unnerve customers.”

Hiscox are leading providers of business insurance for SMEs including professional indemnity insurance and employers liability insurance cover.

Selecting the Correct Business Insurance Cover


When it comes to running a  business, one of the first things to act on is ensuring you are insured adequately for every instance of your day-to-day business activities. Due to the vast range of business sectors, there are a variety insurance policies available for every field.

Specific insurance coverage for your line of work can help you find the protection you need, without paying for any unnecessary excess. Many of the most crucial policies will protect the integrity and finances of your business, in the case of any legal action that may be taken against you. Legal fees can disable even the most successful of businesses, which is why having the right type of insurance in place can help soften the impact should any claim have to be made.

When it comes to those who specialise in offering advice for example, particularly finance related, Professional Indemnity Insurance is essential. This coverage protects your business from any legal action that might arise from to disgruntled clients, who might claim professional negligence. A client may claim there was a breach in confidentiality, or that they were given poor investing advice, or feel they do not owe payment for your services. These are all scenarios where your insurance policy can help protect your business from potential legal costs. Depending on the nature of your business, you may find that a combination of policies offer you the coverage you need. Consider that a singular policy may not offer all you need, and that you may need supplementary coverage such as employers liability insurance and public liability insurance.