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.

Diesel Watches: The History of a Great Watch

Diesel watches are known far and wide for being desirable items of jewellery, and if you would like to get one for yourself then you will not be disappointed. Here is a quick overview of the history of this famous watch to give you a better idea about the timepiece you are buying.

Company Origins

Diesel’s story goes back to 1978 when the company was founded by Renzo Rosso in Italy. At this point, Diesel watches had not come into existence, and the company instead focused on clothing.

At first, Diesel remained a fairly small and unknown brand, at least on a global scale. It is hard to imagine that seeing as now it is one of the biggest fashion brands in the world, but for over a decade this was how it remained. In fact, the Diesel brand only began to start to get international recognition in the early 1990s.

Marketing Strategy

The company’s international marketing strategy was formed in 1991, and you could say that this was the year that things really started to change for the company and it began to build a reputation whereby Diesel watches are now known all around the world.

Five years later, Diesel opened its first premium store in New York on Lexington Avenue. At the same time, Diesel was beginning to see some much larger sales in America, and the company brand was really starting to take off across the world.

Focus on Youthful Image

Diesel has always focused on targeting its products towards a younger, trendier audience. This is also true of Diesel watches, which accompany the clothing line and are sold as lifestyle products.

One of the main figures responsible for this successful strategy is Wilbert Das who joined the company in 1988. He overseas all creative decisions, including its licensed collections consisting of jewellery and Diesel watches.

Continuing to Innovate

Diesel has proved itself to be an innovative and stylish brand, and Diesel watches are now popular all around the world for their style and quality. After proving itself over two decades to be a genuine innovator, we can expect the company to go on creating ever-more exciting watch models and other apparel for many years to come.

Conclusion

Enjoy Your Historic Watch

Diesel watches are excellent timepieces, and when you buy your own you will be acquiring a watch which is famous all over the world. Now you know a bit more about the history of the watch, you can buy your own with confidence knowing that you are getting a truly historic watch.

Using GPS Vehicle Tracking Devices

It is estimated that it cost about $ 500 a day to put a delivery or service vehicle on the road. If you are a business that depends on these resources you know how hard it is to manage them effectively. The advent of sophisticated and smaller GPS vehicle tracking devices now allows every fleet manager to efficiently manage their resources. Many companies have realized tremendous savings as a result of employing this technology.

Private citizens are also utilizing the new technology as well. If you own more than one vehicle, boat, motorcycle, travel trailer or motor home know exactly where they are important. In addition if you have young drivers inside your house hold you will sleep easier knowing that you can at anytime find your child and your vehicle. In addition you can monitor their driving habits in order to keep them safe while on the road. The liability of owning a vehicle that is being driven by a teenager can be serious in this litigious society. The use of GPS vehicle tracking devices that feature real time uploads will go a long way in preventing any serious problems to your financial well being.

The laws concerning the use of GPS vehicle tracking devices vary from state to state. It is generally accepted that you are legally able to place a tracking device on any vehicle that you own as either and individual or a business. Placing a tracking device on a vehicle that is not under your legal ownership or control is generally considered to be illegal in most circumstances. Penalties for violating privacy laws in some circumstance can lead to serious fines and even incarceration. Many businesses and private individuals have ignored these laws because it is reliably difficult to detect GPS vehicle tracking devices. Business that seek trade secrets or information that will give them a competitive edge frequently conducts illegal tracking activities. The very small size of the new real time GPS tracking devices makes it very easy to place a device just about anywhere on a vehicle.

In the same venue individuals also are violating the law by placing tracking devices on the vehicles of ex-spouses, girl or boyfriends. In addition there are several cases where stalkers have also used the technology to keep track of their victims. Many people think it is impossible catch someone doing illegal surveillance tracking but they are mistaken. Technology that detects cell phone transmissions can easily detect the tracking device uploads to the GPS service company that provides the tracking information you are receiving. Again this is a violation of the law use GPS vehicle tracking devices to track another private citizen. It is just not worth the risk.

Play Games at My Wedding Reception?

You can add spice to your wedding reception and have great fun doing it by playing games! Of course, you’ll still have that first dance with your new spouse to the tune from when you first met. And, you’ll still get to eat from each other’s fork when you cut-the-cake.

While the bride may play games at her bridal shower with the other “girls”, games are not reserved for showers only. You can use games to encourage conversation among your guests. Games can also help in cases where you want a fully enjoyed reception, yet there are religious or other reasons for limiting your dancing or music.

There are basically three types of games that work at a wedding reception. They are: Games for Everyone, The Joke is on the Bride and/or Groom and Outdoor Games (of course for an outdoor wedding).

Games for Everyone

Pass the Buck – Play musical dollar at each table. Whoever is left holding the $1, wins the centerpiece.

Switch the Shoes – The bride and groom may hold up a shoe or garment belonging to the opposite spouse in answer to a what-if question on how they will act in married life.

On the Spot Art – Each guest is given a paper and pen and asked to draw another random guest. This works best when they don’t know beforehand the guest being drawn.

Guess the Truth – Guests are asked multiple choice questions that have been previously asked of the bride and groom. A show of hands will see how many guests are on target.

On the Spot Poetry – Each guest is given a piece of paper and a pen. The paper has the start of a poem like “Sally and Mike met at the fair…” The guests complete the poem.

Games where the Joke is on the Bride and/or Groom

*If you are the bride or groom, let your best man or a bridesmaid read these

Give Back the Keys – (This only works if the bride and groom do not yet share a home) The bride and groom is each given a basket. Announce that “Anyone who still has her house keys must give them back.” Lots of guys get up and drop keys in her basket. Only one guy and the groom’s aunt return keys to the groom’s house.

Guess the Bride – Blindfold the groom and present him with 5 barefooted persons. He must guess which feet belong to the bride. Choose anyone but the bride to be among the 5 persons. In fact, this is really funny if they are all men.

Guess the Groom – Blindfold the bride and ask her to feel 5 men’s faces to guess which belongs to the groom. Choose anyone but the groom to be among the 5 persons.

Outdoor Games

What you play will depend on where the wedding is and how the guests are attired. A game like croquet is easy to set up in a park or large backyard and is possible in semi-formal clothing.

If the wedding is very casual, a park with large grassy area may be great for Volleyball or a huge circle of folks passing a Frisbee. And limbo – with the right music – is great almost anywhere, especially for a Caribbean or beach themed reception.