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Motorbikes Insurance Articles

The cost of car ownership is becoming an increasing problem, with rising fuel and insurance prices making it difficult for car owners to continue unaffected. A recent poll by MoneySupermarket.com found that 67% of motorists have been forced to alter their driving habits as a result of these rising prices; with 5% admitting to having stopped driving altogether.

However, is the answer to motorist’s problems right under their noses, with recent data released by the DVLA (Driver and Vehicle Licencing Authority) revealing that sales of scooter rose by 12% over the course of 2011.

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Those who have been unfortunate enough to find themselves in a road traffic accident, sometimes spend as much time worrying about how they are going to get their vehicle repaired as they do about their own wellbeing – especially if they do not appear on the surface to have suffered major physical damage in the crash. However, although damages to a motor vehicle can represent a significant financial burden to the victim – both in terms of repairs and paying for emergency temporary transport – ultimately it is nothing to the potential costs entailed in failing to look after their physical and mental wellbeing following such an accident.

Photo by crownjewel82

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65% of motorists admit that they are seeking out more environmentally friendly and fuel efficient vehicles due to the rising cost of motoring according to a survey conducted by MoneySupermarket. This is mainly due to fuel and insurance price increases.

It is generally assumed that this means purchasing an environmentally friendly car such as the Toyota Prius. However, are these really any cheaper than scooters?

The average motorist’s expenditure

The average motorist completes 12,000 every year and has a vehicle which consumes 40 mpg of fuel. Calculated based on prices remaining at the current rate; the average driver spends £1,867 on fuel each year.

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Mileage based insurance programs, also called pay as you drive insurance programs, are car insurance policies that charge customers based on their actual driving habits. The insurance company provides customers with a small electronic device that plugs in underneath the steering wheel. When the customer drives normally, the device records information and sends it back to the insurance company digitally. The customer’s insurance rates fluctuate based on the actual statistics collected from the device, rather than the driver’s history or other estimated demographics. Instead of auto insurance discounts, the insurance company makes the policy itself a discount program.

Drive Less

The main indicator of your insurance costs when you are using a mileage-based program is how many miles you drive. The more you drive, the more expensive your insurance will be. Drivers who can consolidate their trips and reduce their mileage will be able to see a significant difference in their insurance rates after a month on a mileage-based program. Participating drivers have much more control over their insurance costs through this type of program. Reducing the number of miles driven also reduces the emissions produced, which is good for the environment as well.

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Teenagers are always excited while driving their cars and therefore they need some special attention at all times. However, not many people are able to pay good attention to them and therefore many teens these days have been dying because of teen driver crashes. This had led to a lot of hue and cry in the United States where people and family members are tired of reckless driving by teenagers. In a national research report by Children’s Hospital of Philadelphia and State Farm Insurance Companies it was revealed that more teen deaths have occurred in the United States because of reckless driving than because of cancer and suicide put together.

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