FAQs About Motorcycle Insurance

Motorcycle insurance is one of the biggest costs involved in riding your motorcycle. Whether your ride is a scooter or a sports bike it’s best to get the best value insurance policy that covers everything you need.

What determines the cost of motorcycle insurance

Your personal details

In the insurance business, age is a common determinant for risk. Male riders under 25 are considered the most likely to file claim, whereas female and older riders are more likely to receive lower premiums. Occupation may also come into play in factoring premiums, depending on whether the coverage compensates you for time missed at work.

Where you live

A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.

The type of bike you own

The type of bike you own can greatly affect your insurance premium. Naturally, a more expensive bike will cost an insurer more to fix or replace. Motorbikes with better engines and faster speeds will represent a greater risk for collision as well as damage caused by an accident.

Older model bikes may require more maintenance and difficulty securing repair parts. For motorbikes older than 20 years, it would be wise to seek an insurer that specialises in classic bikes and cars.

Who else will be riding the bike

Adding another rider to the policy will affect the overall cost. Adding an experienced motorist will generally lower your premium. Conversely, adding a younger individual may escalate costs.

As each insurance company weighs these factors differently, you will find fluctuations in the prices you are quoted. Cheaper rates most likely find your situation more amenable to their particular risk formula.

Usage of the bike

The more often you ride your bike, the more likely you will be involved in an accident. Moreover, bikes that are used for commuting represent a greater risk than those ridden for pleasure, due to the difference in traffic. Residents living in high traffic postcodes may also experience higher insurance costs.

Storage and security measures

Theft represents another concern for insurance companies when calculating premiums. Alarms or anti-theft devices such as an immobiliser, bike lock, or ground anchor can mitigate this risk. In some cases, an insurer might recommend a specific brand or anti-theft device to their consumers.

Parking your bike in a garage can further alleviate theft concerns. Insurance companies will also factor in the crime rate in your postcode before settling on a quote.

Previous claims or convictions

Riders who have made previous claims or suffered motoring convictions present a greater risk to insurers. If you fall into one of these categories, it may be best to seek a company that specialises in insuring convicted riders

Your excess

The excess is the amount of any claim that your insurer will expect you to cover. For example, your riding your bike and you have an accident your bike now needs repairs worth £1000 and your excess is £100, you’ll have to pay £100 and your insurer will pay the remainder.

The more cost you are willing to absorb, the lower your premium. Having a high excess is ideal for riders who travel infrequently or on less busy roads. Those who commute daily may want a lower excess in order to file a claim for minor accidents. This, in turn, will elevate the cost of insurance.

No Claims Discount

Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you’ll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.

Advanced driving skills

By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums. Two key variables NOT within the policyholder’s control

Consolidating policies

By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a ‘bulk buy’ discount.

One final piece of advice

A large percentage of insurance is now sold on the Internet. That’s because it’s convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.

Level of cover

Third party

This covers the policy holder against damage to a third party’s property or to the third party themselves. Third party only bike insurance cover is usually a cheap motorcycle insurance policy compared to Third Party Fire and Theft or Comprehensive motorcycle insurance.

For example, if you have an accident with another vehicle and it is your fault then the Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of the other vehicle and your pillion rider. A Third Party Only bike insurance policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured. In addition, if your vehicle is stolen or is set on fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.

Third Party Fire & Theft

This is exactly the same as the Third Party Only motorcycle insurance policy, set out above, however a Third Party Fire and Theft UK motorcycle policy will pay out in the event that your vehicle is stolen or is set on fire.

Fully Comprehensive

A Fully comprehensive UK motorcycle insurance policy will pay-out for third party damages and injuries, will pay-out in the event of your vehicle being stolen or set on fire, and will also pay for any damage to your own motorcycle regardless of whose fault the accident was.

Using Quotes To Compare Home Insurance Policies

Life is known for being unpredictable. As any experienced person would be more than ready to tell you, it is this unpredictability that is the cause of all types of happiness and sadness in a person's life. For example, a really dark side of this unpredictability is when it brings forth an accident which ends up damaging your house significantly. This would not only result in your sacred abode getting ruined but also lead to your future financial capabilities being damaged substantively.

However, you can http:\\/\\/loosetonguecominfo.gaify the majority of adverse impacts of these kinds of unpredictable accidents simply by insuring your home. An insurance policy that is designed to protect you from the financial implications of your home getting damaged would be perfect to sidestep the adverse impacts of such situations. There are primarily three different types, with one special category, of these policies that you can buy.

The first type is the buildings only policy which is designed to protect the structure of the house and not the contents inside. The second type is the contents only policies which are the opposite of buildings only policies. These policies just focus on the contents inside your home and not the structure. As is obvious, while the former is good for landlords, the latter is better suited for tenants. However, if you own the house that you are staying in then you will need a policy that provides protection for both the building and the contents of the home. Here, you will need the third variant ie the comprehensive cover policy. A typical comprehensive policy would include things such as protection for the structure of your home, cover for your belongings inside, up to an agreed amount and a variety of other things like outbuildings cover, specific valued item cover, moveable bearings cover etc. The special category of policies includes highly customisable policies which can be taken out for special situations.

Buying such types of policies used to be a major problem in the earlier years because it would mean multiple meetings with the insurance representatives and complicated paperwork. Furthermore, if you were buying such policies a few years back then you would also have to deal with the uncertainty that maybe you did not buy the best policy in the market because you would not be able to compare multiple options. In contrast, online providers with the help of their home insurance quotes modules have made it extremely easy for the end user ie you to buy these policies. All you have to do is provide the online provider with the right information and you would receive semi-formal offers from them in the form of home insurance quotes. You can, rarely, go about comparing these offers from different online providers and pick out the one that meets your needs the most.

The advantage of doing this is a lot more than just getting the best policy. As a matter of fact, you would not only get the best insurance product but would also get it for affordable rates. Making sure that you are getting cheap home insurance policies is one of the qualities of online providers that really sets them apart from other sources.

How Business Cards Can Help In Advertising/Marketing

The modern business environment is increasingly challenging. Companies are now forced to become more innovative to stay afloat in a highly competitive landscape. With a globalized marketplace, competition is stiffer and this comes against a backdrop of increased cost of operations. As an entrepreneur, you have to think outside the box when building your advertising strategy.

Which techniques do you use to be more effective? While digital marketing tools are all the rage, recent studies have shown that business cards still remain a versatile advertising strategy even in the contemporary world of commerce. This is a tool that helps connect easily with new prospects. If you have been wondering whether this tool still retains any importance in your advertising strategy, keep reading.

Advantages of Using a Business Card

Some of the reasons to invest in this old school advertising technique include:

  1. It is a personal method of swapping contacts and hence it is more effective than digital techniques. Through eye contact and actual engagement, you have a better chance of creating a new relationship.
  2. This is an effective direct marketing tool: Compared to other methods such as email and paid ads, a well-designed business card is part of direct marketing strategy. An in-person meeting and exchange of information leads to success.
  3. Continued marketing: Even after parting with a prospective lead, your information will be easy to share and will continue promoting your brand. It can be exchanged or stored for future reference.
  4. First impressions: If you want to make a good impression with your leads, then talk to an established printing products company in your city.

Getting the Most Out of a Business Card

There is only so much you can achieve by sharing your company’s information on a printed format. Therefore, to get the most out of this promotional tool, consider the following:

  • Add a logo and tagline for more effectiveness and easier identification.
  • Name and job title for credibility.
  • Make sure there is direct contact information for easier communication.
  • Add your website and send them to a relevant page.
  • Add social media profiles for faster connection.
  • Avoid cluttering a lot of information and instead use white space so that important information is read easily.
  • Leverage creativity such that your presentation stands out and catches the eye instantly.

Of course you must have received many business cards, many of which ended up in the waste basket. To avoid the same fate for your printed promotional materials, make sure you give it a purpose. You can also use a QR code to track its effectiveness. By supporting a worthy cause in your community and showing it on a printed product, you will easily captivate the attention of prospective leads.

When handing it out, ensure that the occasion is memorable. The recipient will remember it later and pull it out to read further. Go on and contact a reputable printer in your city to start leveraging this important advertising technique.

Saving Money in This Economy For Your Family on Your Food Bill

With ten percent of the population out of work and most of the rest trying to scrape by it is important to save as much money as we can for our families. This is not to say we have to live a life of minimalism, we just have to start watching what we buy, when we buy it, and to rely on ourselves more for the things our family needs.

In a family a large portion of the budget is consumed by food. You can save a lot of money for your family by watching how you do grocery shopping, where you eat, and brown bagging your lunch. When going to the grocery store always have a list prepared ahead of time. Try to stick to that grocery list as much as possible and not to buy any food on impulse. Do not go to the grocery store when you are hungry. You will end up buying more food than you need for the week. If you have children try to leave them home when doing the weekly shopping, they have a tendency to throw extra things in the cart that is hard to say no to. This is not to say you should not buy snacks for your kids, it is just easier without them to be the one who regulates what kind of snacks they will be.

Use coupons where you can and if your grocery store has a discount card program use it. Buy generic products. Most of the time generic products are just as good as the name brand ones. Buy things that you will use in bulk if you will use all of it before the food expires. Try to keep the grocery shopping to once a week instead of going every other day. This will save on gas and you will end up buying less. Make your own coffee at home and bring it with you in a travel cup or mug. Coffee costs around $ 1.75 at the conveinence store, you can make it at home the way you like it for under 50 cents.

With both the husband and wife having to work in families to make ends meet it gets hectic. Try to cook dinners at home to save money. I love it when my wife cooks dinner, I also love cooking for her and our family. This will not only save you money in your food bill by not having to go out to eat so much, it will also give you some good family time around the dinner table.

These are some great tips to save your family on your food bill in this tough economy. These ideas should not hamper your lifestyle too much and at the end of the work week you may have extra money in your pocket.