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The different types of car insurance available

admin — Wed, 09 Nov 2011 12:27:53 +0000

The need to have car insurance is not a matter of question. However, there are a lot of different forms of car insurance available from the major firms such as Endsleigh, making it useful for car owners to know what cover each one provides, before they start looking for the most competitive deals.

Third party insurance

Much as with bikes, Third Party Insurance offers the most basic level of protection, covering you financially if you are liable in an accident causing damage to another car and/or injury to a passenger in your own vehicle. In the case of passenger injury, the policy will probably cover the costs of emergency medical treatment, but not longer term care. In addition, the name ‘third party’ insurance clearly indicates what it does not protect you against: injury to yourself or damage to your own vehicle. This is often, though not always, the least expensive type of car insurance policy, making it best suited to those on low incomes such as students.

Third Party Fire and Theft insurance

As the name suggests, this is Third Party Insurance with extra coverage. This type of policy will also cover the theft of your vehicle, or damage to it, caused by fire. It may include protection against other forms of damage, but these terms will vary depending on the company.

Fully Comprehensive Insurance

Again, the name fairly clearly indicates what this covers. Although these policies often carry higher premiums, the total coverage they provide, usually including optional extras, means that they often prove to be cost effective in the long term.

Short Term Insurance

This type of car insurance is more specialist oriented, suiting those who will only be using a vehicle for a limited time but need to remain within the law. If you are buying a car, Short Term Insurance will cover you while you have the vehicle for a trial, test-driving period. Equally, if you are unable to use your own car, Short Term Car Insurance will allow you to use a temporary courtesy vehicle or a rented one, for a short period.

Pay As You Drive Insurance

This is a comparatively new option, where premiums are based on when, where and how often you drive. For example, if the vehicle is utilised on motorways during peak traffic hours, the premium will be more expensive compared to that of someone driving in a remote area in the early hours. It is considered a cost effective option for people who drive either infrequently, or during non-peak traffic periods.

Good Reasons to Ride a Motorcycle

admin — Tue, 16 Feb 2010 14:10:16 +0000

People who ride motorcycles are hardly the dangerous renegades depicted in most Hollywood flicks. It certainly doesn’t take a taste for the anti-social and a fetish for leather to enjoy riding your own motorcycle, nor do you need to join a biker gang to capitalize on all the benefits.

In the 21st century there are many valid reasons to ride a motorcycle that go beyond those related to personal fulfillment. Both a socially responsible choice and a pressure release valve for your personal economy, riding a motorcycle might just be the thing you need to look into to kick start your year into high gear. Here are some of the best reasons why it just makes sense to get around on two wheels, instead of four.

Your Ticket to Adventure

There is no movable box experience (such as car, buses, subways or trains) that can match the hands on feel and the sense of immediate motion that a motorcycle gives you. Even the most conservative bikers that protect themselves with a full set of armor (full-face helmet, body armor, gloves and protective eye wear) get a much better sense of movement than those looking at the road through a glass from inside a moving box.

Protect your Economy

First of all, the obvious: you will save money at the gas station. This will have a dramatic effect on your finances though you’re more likely to notice if you are tidy and keep your books in order (or if you just happen to be filling up the tank next to a regular SUV… you will feel their pain!). Motorcycles also spend less gas on going from point A to point B and decent bikes are much cheaper than any decent car you’ll find. As a bonus, motorcycle insurance is far cheaper than its car counterpart (and no heat transfers means no need for air conditioning.)

Save the World

Motorcyclists can be proud of their vehicle choice. Motorcycles pump out far fewer pollutants than cars and, being lighter, do less damage to the road itself. If we put electric motorcycles (something which is only starting to appear on the mainstream radar) on the equation, the ability to have a quiet commute with zero emissions becomes a reality.

It’s Cool

You know it, your dad knows it, even your geeky neighbour knows it. Riding a bike has long been associated with that bad boy image popularized by many Hollywood motion films during the 20th century. The best part is that you don’t have to be a bad boy yourself to capitalize on all that cultural baggage. So buckle up, take the fabric labels out of your jacket and join the cool club!

Enjoy !

Cat1 Uber-bike by Byron Hemmes

admin — Sun, 01 Nov 2009 14:21:00 +0000

The Cat1 Uber-bike is created by Byron Hemmes. This Jaguar Concept Motorcycle is powered by a 1200cc Buell 97 S3 Thunderbolt engine and the body is made of high-quality stainless steel and the leaping jaguar on which the rider sits has been covered in high-end ebony lacquer.

• Length: 2.3 meters
• Wheel center to center: 1.7 meters
• 1200cc Buell 97 S3 Thunderbolt engine
• Body made from high-grade stainless steel
• Air intakes and exhaust system custom-engineered to suit cat profile
• Cat fairing: Fiberglass finished in ultra-high-gloss ebony polyurethane lacquer
• Handlebar width: 1 meter
• Weight: 360 kg
• Seat: Stingray