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.

How To Paint the Furniture To Retain Its Elegance

When I was chatting with my friends about home renovation, many of them felt that painting the furniture is a waste of money. I argued against that point by drawing an analogy between human beings and furniture pieces. I compared human dressing with the paint applied on the furniture and I explained them in detail about the advantages of paints. Finally, I won the argument and had a treat.

I am using this space to share a few important points that helped me to win over the argument and also help you to revive the charm of the furniture. We should take a cue from the nature. The ozone protects us from harmful UV rays, similarly the furniture has to be protected from environmental issues. But be clear that the painting a wall and furniture are different except for a few points.

If you are planning to paint the furniture, spare some time to read the following points.

Primer

Firstly, the furniture has to be coated with a primer. It is an undercoat to prepare the furniture for painting. It facilitates the paint to stick on the surface instead of spreading. It also increases the durability of the paint besides protecting the furniture.

The primer must also match the paint you are going to use. For latex paints, choose a latex primer. It is easy to use and it blocks stains. It won’t smell like an oil-based primer.

Similarly, Oil-based primers must be used for oil-based paints. They offer good adhesion and stain blocking compared to latex ones.

Metal enamel primer is known for its durability. This type of primer comes in satin and semi-gloss finishes.

Paint

Many often get confused what to use either Oil-based paints or Water-based paints

Oil paints have been used for centuries. They generally took long time to settle and dry.

Water-based paints are of different types namely Mud, Standard latex, Chalk and Milk paints.

Mud paints give antique appeal to the furniture. They have smooth, flat finish with great coverage. It works well with wax or any water-based coat. They also don’t need a primer as it is inherently adhesive.

Standard latex require a long curing time. They are relatively durable. They need the support of the primer.

Chalk paints have many benefits over other. They don’t require primer as they are normally adhesive. Another advantage is they don’t even need sanding.

Milk paints are commonly available. They can be easily applied to all kinds of surfaces. They are eco-friendly and non-toxic.

Over and above, take some safety precautions while painting as many of the petroleum-based paints are toxic. Paint the furniture in open surroundings as it is a hazardous work.

Telecommunication Industry Tricks

How many of you out there are unhappy with your current phone company? Do you feel like you are being ripped off and taken advantage of. Well I'm going to share with you how to get better customer service and better products as well as guard against telecommunication industry tricks I will also share with you some of the common problems with telecommunication industry services today.

Some companies in the telecommunication industry will do anything to get your business as the telecommunication industry is so competitive they even use really dirty tricks to do this, Below are just a couple of the tricks telecommunications industry companies use which you should be aware of.

1. Picking. This is a very sneaky way of getting your business and laws have done a great job of putting an end to it, but it still happens from time to time. 'Picking' is when a communications carrier gets your business by your 'something' unaware authorization. You fill out some form to win a prize or answer a survey and the next thing you know, you've been switched without knowing it and suddenly your outrageous bill is your only indication that something is horribly wrong.

2. Slamming – This is just what it sounds like, you go to bed using one service and wake up using another and you'll never know it until you've gotten that outrageous bill.

A lot of telecommunication companies out there in the telecommunication industry use all kinds of creative ways to get your business, none of which is really based around approaching your business.

The best advice I can give you to avoid these problems is to have a personal telecommunication industry specialist who is assigned to make sure all of your telecommunications needs are being met. The assigned telecommunications specialist will make sure all your services are being provided at not only the best rate, but also with the best in customer service. I'm not talking about hiring someone for this, but finding a company that allows its reps to provide that 'direct link' to the company.

Be True To Your Finances

Money will never be enough. Whether you earn $100 or more there will always be room for more and more needs and wants in your life. Currently I earn twice as much as I used to earn two Years ago but my expenses are also twice as much. If you do not watch out on the trend you take with your needs and your income, you will get frustrated and think the problem is with money yet you are the one causing the problem.

I prayed for wisdom on how to spend wisely to avoid pitfalls and I got help. I have not reached the peak but so far I am very happy with the way I manage my finances. At this point in time I will give you tips on how to manage your needs and wants in regards to money and avoid going overboard. The secret is to live within your means and this is how

1. Write down your daily needs and wants that you spend on and divide the needs and wants into three categories; Daily, Weekly and Monthly

2. Beside each category write down the needs and wants and how much you spend on them. Be honest with yourself do not underestimate or overestimate, you have to be on point. If you over/under estimate you will not make it. Prices do not change within a short period of time so you will have to go to a grocery shop or supermarket to get the exact price of the commodity you buy daily, weekly or monthly.

3. Find totals for each category, for example, your daily category must be multiplied by thirty for you to know how much you spend in a month and the weekly budget by four. Add up your totals and see how much you spend.

4. If your budget exceeds what you earn, then you have to review your needs and wants and be disciplined enough to reduce your wants at this moment and check whether your needs may also be overboard. If you find that your needs are expensive, then you should find a place where the same needs can be bought less expensive, for example; instead of buying tomatoes or other raw vegetables and fruits from a supermarket try getting them from a local vendor. If the house you are staying in is eating up your money move to a descent less expensive apartment.

5. Stick to this budget and consult it regularly, go back and check whether you are on track or off track. Try this for just a month and you will see a very big positive difference and you will even manage to save money.