Posts Tagged ‘autos’

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Is Fleet Insurance Right For You

Saturday, July 10th, 2010

Something about the nature of insurance seems to make people want to pay as little as possible for it. Cars on the other hand, people seem to be willing to pay through the nose for, but when it comes to insurance, everyone wants the cheapest. The latest way of doing this is by grouping everyone that lives in the same house under a policy called family fleet insurance.

The concept of fleet insurance is all very well for people who have families of careful drivers (yeah, right) but what about those who live with a boy racer? It sounds like some family members could end up paying more for a combined fleet insurance policy.

The traditional look of a fleet for insurance purpose is about 100 Vauxhall Cavaliers insured by a firm for their sales reps. This isn’t actually how most fleets are made up. Many vehicle fleets are made of mixed vehicles. Tractors, Cars, HGVs, Minibuses, Lorries and even Motorbikes can end up insured under a fleet insurance policy.

If you ever find yourself on a long journey and very very bored, there is a little game you can play as a cheap (very cheap) way of passing the time. You look at each vehicle that passes you (or that you pass) and try to work out whether or not they are insured on fleet insurance. The good thing about this game is that you can’t really lose (unless you’re going to stop each car you make a guess at and ask them about the details of their insurance) but to help you win, here are some tips;

Sign written vehicles have a good chance of being insured under a cheap fleet insurance policy. Cheap looking cars or vans are probably insured on their own or not at all! Young men driving fast are a no-no, middle aged men driving fast are a racing certainty, in more ways than one! Lady drivers? Probably not! Policemen? Almost certainly! Butchers, Bakers, Candlestick makers with fleet insurance- maybe! It’s a good game isn’t it?

How would you decide whether to insure your vehicle on a fleet or not? Easy really – find out if it’s cheaper to insure your car that way before you start! It’s best not to ask a meerkat or an obese opera singer. Chances are they won’t be able to help you at all let alone compare you. Best to ask a real live walking talking insurance broker. If you want to find cheap fleet insurance it pays to discuss your insurance requirements with real live people! Enjoy the game!

If you feel you might need some fleet insurance then you should pay Coversure a visit. They are specialist insurance brokers with long-standing relationships with some of the country’s top insurance providers so they can secure you great deals on anything from fleet insurance to caravan insurance.

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Avoiding Roadside Dangers

Thursday, July 1st, 2010

For most drivers, their car is essential; a means of travelling from one place to another, to commute to work or merely to taxi the kids about. For others, their cars are a form of escapism, a necessity with a plus side, or even a hobby. But so often drivers become complacent and ignore the perils of the open road.

With 30% of traffic incidents occurring less than 1 mile [1] from home and the rise in traffic on the roads (by 12% between 1997 and 2007) [2], it is important that drivers are aware of all the dangers that face them. Ignorance to hazards can cause accidents which can result in costly car insurance premiums, injuries and even fatalities.

Here, in no particular order, we have suggested five dangers motorists should consider when driving.

1) Cyclists
We are all familiar with the environmental benefits of cycling, but anyone can hop on a bike and cycle into the unknown. So few cyclists have taken the cycling proficiency exam, and even fewer follow by the Highway Code [3].

Without high visibility clothing and adequate lighting, many cyclists render themselves invisible until the unsuspecting motorist is driving behind them. Many cut in and out of waiting traffic in jams, with little consideration that they are cutting in and out of the motorist’s view.

2) Children and Teenagers
Children playing on the streets can cause a hazard. Hidden from the drivers view, children can appear suddenly from in-between cars, causing a danger for themselves and road users. It is important that in residential areas and near schools, motorists are extra cautious and maintain the speed limit.

Not only do young children present a hazard to motorists, teenagers also cause accidents due to their lack of concentration. Personal stereos, hooded clothing and even talking on a mobile phone takes the teenager’s concentration off the perils of the road. Extra caution should be taken when approaching groups and individual teenagers [4].

3) Speed Cameras
Although they are designed to reduce the number of accidents on a road by reducing speed, drivers on unknown roads tend to slow down abruptly before a camera, creating a dangerous situation for those driving closely behind. It is therefore important to maintain the recommended two second gap [5] stopping distance at all times, to ensure sudden braking is accounted for.

4) Accidents and Road Works
Road works cause a problem when motorists become angered and take risks [6]. It is important that caution is taken when passing through an area with road works, to avoid any hazards.

When accidents do occur, it can cause a distraction to passing traffic. It is crucial that drivers maintain concentration on the road ahead rather than any incidents on the roadside.

5) Litter and Rubbish
Litter and rubbish dumped at the road side can spill onto the road, which could get in the drivers way. It is important that motorists are vigilant and are aware of such hazards when driving.

Broken glass, oil and even plastic carrier bags can cause a skid, a blow-out or simply obscure the view of the driver [7].

In all instances of roadside dangers, it is crucial that road users (drivers and pedestrians alike), use caution when on the road and are aware of their surroundings and the hidden dangers that may be lurking at the roadside at all times.

[1] WhatCar.Com – http://www.whatcar.com/car-news/most-crashes-happen-close-to-home/242472 (August, 2009).
[2] Times Online – http://www.timesonline.co.uk/tol/driving/article3200991.ece (January, 2008).
[3] GMTV – http://www.gm.tv/articles/32853-careless-cyclists.html
[4] Think Driving – http://www.dft.gov.uk/think/focusareas/driving/?whoareyou_id=
[5] Direct Gov – http://www.direct.gov.uk/en/travelandtransport/highwaycode/dg_070304
[6] Smart Motorist – http://www.smartmotorist.com/traffic-and-safety-guideline/what-causes-car-accidents.html
[7] Direct Gov – http://www.direct.gov.uk/en/TravelAndTransport/Usingmotorwaysandroads/Reducingroadcongestionandpollution/DG_185137

Hannah Warder writes for MediaVest (Manchester) on a number of car related topics such as car insurance.

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Figure Out How To Obtain More Affordable Costs On Your Young Individuals Car Insurance

Tuesday, June 22nd, 2010

Whenever your kid starts to drive a motor vehicle it’s impossible to prevent the excessive price tags that accompany young person’s car insurance. That is why it really is so important to figure out how to find the most economical plan possible. You’ll find half a dozen key factors that you can manipulate if covering your teen.

The very first thing which can be done to lower young persons auto insurance premiums is usually to raise the insurance deductibles. The deductible is the amount of money you are responsible to pay whenever you complete a claim with your insurance carrier. When you’ve got an increased deductible you pay a lesser amount of for the rates. The reason being the insurance provider will need to pay a smaller amount should there be a claim.

The next thing which can be done to reduce a young persons car insurance will be to shop around. A number of parents are talked into high-priced insurance plans by insurance brokers. Don’t make it possible for agents to coerce you into insurance policies; instead carry out the searching all on your own online. By simply doing your own private evaluations you’ll recognize that you’re getting the best deal for your circumstance.

You should carefully give some thought to reducing the mileage that your particular child drives. Teenagers don’t have the experience in driving a vehicle which one would need to commute lengthy distances. By simply not permitting them to drive excessively you will be shielding them along with keeping their miles reduced. Due to the low claim rate associated with people with lower mileage levels insurance shall be much lower, as these individuals create a smaller amount of a threat.

The vehicle you choose to let your teen to drive has a huge effect on the price tag on insurance coverage. Decide to get a compact reasonably priced vehicle with basic safety characteristics as an alternative to more pricey high-speed cars. It is a clear observation that in the event that a person in his teens is given the keys to a risky vehicle we will have a lot more mishaps than when they are offered a lower risk, less dangerous car. Investing in a marginally older, heavier vehicle is significantly safer then a newer, quicker, lighter weight vehicle; therefore the insurance is reduced.

It may well surprise a number of moms and dads but if your adolescent is a good student they may be entitled to discounts for car insurance. Quite a few auto insurance organizations give lower insurance policies to teenagers which have very good marks. The real reason for this is that if they are responsible with their education and learning then it’s probable they’ll be responsible while driving a car as well.

The very last thing that can save money on teenager car insurance is advanced driving courses. Not only will they get discount rates on car insurance coverage but they’re going to find out far better driving knowledge to keep them safe upon the streets.

Finding teenagers car insurance can be a pricey venture. To avoid wasting and acquire the best insurance plan possible you have to do a comparison of firms and keep an eye on your youngster within their driving efforts.

Locating young persons car insurance is not something that is cheaply done. The costs may be decreased though should your teen display some responsibility and also does their particular part. You Can find out about receiving insurance on your teenage driver by going to http://pricecomparisoncarinsurance.com.

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Common Penalties For Driving With No Insurance

Monday, June 21st, 2010

Insurance is something that is entirely required if you are to remain legal as a motorist. Drivers in almost every state in America will require a certain level of insurance and if they fail to do this then they can be liable to receive different penalties and punishments from the correct authorities. The type of punishments that you can get for driving with no insurance will depend upon the infraction and the state in which you live.

Typically there are two different types of infractions for driving with no insurance policy. One of these is when a driver has an insurance policy but fails to show it when they are stopped during a traffic stop and the other is when a driver has absolutely no type of insurance at all.

The most frequent type of punishment that is dished up will be a ticket and a fine as a result of this ticket. The amount of money that you have to pay out for the final will arrange typically from a few hundred dollars all of the way up to a few thousand dollars pending upon the severity of the infraction and the state in which you live.

If you get a ticket then you might also receive a different number of points onto your license as well depending upon the type infraction. This will also depend upon the state in which you live, with some states issuing no points and others issuing up to 3.

If you have an accident and you do not have a relevant insurance policy for the vehicle then you can find that your license is taken away completely. When your license is taken away this will usually be for a prescribed period of time or until you are able to pay up all of the expenses that have been as a result of the accident.

If you did receive a ticket for a certain type in a fraction and were unable to pay the costs and the find associated with it then you might actually face jail time. This amount of jail time would be quite small, but you could face a more serious term if you were to cause an injury to someone in an accident and you fail to show any sort of insurance policy.

In most cases you will certainly find that the fines and expenses that you have to pay out as a result of any of these problems will be a lot more than the cost of the insurance policy throughout the year. It is, therefore, a lot more intelligent and financially prudent to simply get an insurance policy to protect yourself and others against these issues.

Driving with no insurance is a heavy crime and if you’ve been accused of it, then you will undoubtedly be punished, but the extent of your punishment can be brought down with the help of sound legal advice and defence. Click on permitting no insurance for more information.

categories: law,legal,insurance,advice,vehicles,autos,cars,motoring,travel,society,misc

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