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Sunday 31 August 2014
Autonet Insurance sponsor Kicks 5 A Side World Cup
Autonet Insurance is pleased to announce the sponsorship of 4 teams in the Kicks 5 A Side World Cup Tournament.
Fighting scams and scoundrels
Read these tips for seniors on how to protect against elder fraud.
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Mortgage rates in Atlanta, Georgia
See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
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Saturday 30 August 2014
New proposals for more driving penalties
If new government proposals are to go ahead, then driving penalties could get a lot more severe very soon. Offences such as speeding are to have their penalties increased by up to 50%, so instead of three points and a £60 fine, those breaking the limit could be looking at double that amount. It isn’t only speeding that is destined to be treated more severely, as using a hand-held mobile phone or not fastening your seat belt could also see you in severe driving hot water.
If fines were to go ahead, then the government could stand to gain an extra £33.5 milion a year in driving penalties alone, but they haven’t stopped there. They are planning to introduce fines for other offences, such as tailgating and cutting up other drivers, which would incur an on the spot £90 and three points on your licence.
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How to afford early retirement
You may be dreaming of escaping the 9-to-5, but be sure your finances can last 40 years or more.
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The case of the insurers, the £40,000 Mercedes, the coat and the purple stain
Dye from a damp £80 Mountain Warehouse coat on leather upholstery led to months of wrangling
A rain shower during a walk in the park led to a brand new £40,000 car being seriously damaged followed by seven months of wrangling with a high-street retailer to get them to pay for the thousands of pounds in repairs.
It all started simply enough. Last Christmas Stefanie MacDonald from Bromley, south London, bought an £80 purple waterproof padded jacket from Mountain Warehouse in its online winter sale. She was wearing it when she drove to the local park in her husband Oliver's pride and joy an E-Class Mercedes estate.
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Friday 29 August 2014
Mortgage rates in Houston, Texas
See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Houston.
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What Makes an Automotive Display Ad Successful?
Here are tips and tricks from our latest, Q2 automotive vertical report that will help you maximize the impact of your brand advertising. Get access to the full report: http://www.celtra.com/knowledge
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Old-fashioned toys are still the best at keeping kids entertained on long journeys
Old-fashioned toys are still the best at keeping kids entertained on long journeys
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Thursday 28 August 2014
How Rental Car Companies Relate to Car Insurance
If you want to rent a car and make sure you already have the means to insure it, this is something important to keep in mind as you talk to salespersons that do business in car rentals. Rental agencies offer you waivers, which are their form of insurance, to cover for at least two liabilities [...]
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geografi (kajian pelancongan)
ini merupakan kajian geografi tingkatan enam bagi tajuk kajian tentang pelancongan.
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geografi (kajian pelancongan)
ini merupakan kajian geografi tingkatan enam bagi tajuk kajian tentang pelancongan.
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Wednesday 27 August 2014
Which? Car Survey 2014 names best and worst cars
The Which? Car Survey reveals the most relaible new cars of 2014, including the Citroen C1, Toyota Auris and Skoda Octavia. Get the facts on car reliability.
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Young people 'priced out' of pubs
Over 8,000 pubs across the UK have closed in the past seven years, coinciding with a drop in the number of young people drinking in local watering holes, according to research.
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How to afford early retirement
You may be dreaming of escaping the 9-to-5, but be sure your finances can last 40 years or more.
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Tuesday 26 August 2014
London open: Stocks snap five-day win streak ahead of central bank minutes
UK stocks snapped a five-day winning streak on Wednesday ahead of the minutes from meetings at the Bank of England (BoE) and Federal Reserve (Fed).
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5 Tips to Get the Most for your Dollar at a Year-End Car Sale
The week after Christmas, dealerships begin liquidating inventory to make way for the new models that will fill the lots during the new year. Dealerships pay a pretty penny to advertise these year-end events, so now more than ever, salesmen are prepared to turn visits into transactions. With the opportunity to make many different sales, the sales team has less pressure to keep ticket prices high, leaving consumers more room to haggle. Traditionally, December 27 through New Year’s Eve are the best days for consumers to secure a discount on a new car, but shopping at the end of the year comes with its own unique hurdles.
1. Be prepared for a little give and take
Year-end discounts actually begin during September, but vehicle discounts, like fine wines, only get better as the products age. For the savvy consumer, waiting until the end of the year can reap the biggest financial savings, but you must also be prepared to select from a limited inventory. Like many post-holiday clearance sales, the selection is likely to be a sparse collection of unpopular items, and in the case of vehicles, this means quirky paint jobs and fewer bells and whistles. For the consumer who is prepared for a little give and take, year-end sales can be ideal savings events.
2. Consider models that will become outdated in the new year
Although all vehicles undergo minor upgrades with the new year, major upgrades are made every four to five years. Models that are outdated with the New Year will be sold at larger discounts to make way for the upgraded models. Researching which models are receiving major upgrades can better prepare consumers to find a high-quality vehicle at a year-end sale, as opposed to those models that have been deemed unpopular. However, these high-quality models may still only be available in unusual colors or without upgraded features, so keep that in mind.
3. Bigger is better
Families who are searching for minivans, large sedans, or SUVs can find many discounted options at year-end clearance sales. Also, large pick-up trucks can often be found at closeout prices during these events, offering thousands of dollars in cash-back rebates. And it’s not just the size of your future vehicle that matters; when shopping end-of-the-year car sales, it’s also important to consider the size of the dealership. The larger the dealership, the larger the inventory will be. A larger inventory offers more of a selection to consumers, and it also places more pressure on the sales staff to clear the showroom floor.
4. Choose discounted financing over cash-back rebates
Before visiting a dealership, consumers should consult their banks or loan providers to establish a budget. Discounted financing options with low interest rates and reasonable payment plans generally offer consumers greater discounts than cash-back rebates. These rebates, however, may be necessary to pad the down payment and to otherwise qualify some shoppers for a loan. While discussing payment options, consumers will do well to focus on the final pay-off amount. Many dealerships will encourage consumers to stretch out their payment periods to afford more expensive vehicles, b consumers should be wary of extending payment periods, as this costs more in the long run.
5. Haggle and keep a close eye on the invoice
Hard-nosed hagglers will still walk away from the dealership with the best deals. Remember, it never hurts to ask for more. After all, dealerships will certainly try to stick you with more than you’re willing to pay. Keep a close eye on your invoice to identify any unnecessary extras, such as rust-proofing, fabric protection, or paint sealant. These little fees can certainly add up, and though they won’t cost you thousands, a few hundred dollars saved is well worth the extra attention.
The post 5 Tips to Get the Most for your Dollar at a Year-End Car Sale appeared first on CarInsuranceQuotes.net.
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Why Car Insurance May Be Cheaper After A Move
Everyone who drives a car is looking for cheaper car insurance, and a company that is more effective when it comes to dealing with accidents and claims. Auto insurance rates are a source of great frustration to Americans, many of who feel like they have done everything in their power to make themselves attractive to [...]
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Monday 25 August 2014
AutoGlass chooses the Transit Custom
Glass manufacturer AutoGlass is refreshing its 1250-strong Transit Fleet by adding 90 long-wheelbase 2.9 tonne Custom vans.
Each van will be fitted with the bespoke interior needed by AutoGlass, especially the racking which carries the windcreens safely to vehicles. Each Transit Custom will go through a 4 year/100,000 mile lifecycle with the business. AutoGlass’ Fleet Manager, Ged Raymond said:
‘The glass we have to carry is getting bigger and therefore so must our vehicles. The Transit Custom meets our needs perfectly and is being well-received by our mobile technicians. They have always loved the Ford Transit and they like this one even more.’
The Van Insurer is on hand to provide you with a fantastic van insurance quote. We’ll even beat your cheapest.
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Is Britain all at sea when it comes to nautical knowledge?
• Over 50s more savvy about nautical terms than younger generations
• One in seven (14%) 18-24 year olds think Avast means “That’s a big one”
• More than half (57%) of under 50s don’t know starboard means the ‘right’ side of a boat.
• One in seven (14%) 18-24 year olds think Avast means “That’s a big one”
• More than half (57%) of under 50s don’t know starboard means the ‘right’ side of a boat.
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Cuts to riot damage payouts may deter firms from areas like Tottenham MP
Government plans to reform the 1886 Riot Damages Act after the Tottenham riots could lead to higher premiums, say insurers
Government plans to reform the Riot Damages Act could result in a huge fall in payouts to business owners after any future unrest and would leave most drivers unable to claim compensation, the insurance industry has claimed.
On the eve of the third anniversary of the outbreak of rioting in Tottenham, north London, the Association of British Insurers (ABI) said that had the planned changes to compensation been in place in 2011 only £1 would have been paid out for every £10 worth of damage.
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Sunday 24 August 2014
British holidaymakers name their ideal travel companions
2014-08-07 British holidaymakers name their ideal travel companions In an ideal world, we'll all be on holiday a lot more often than we are, and if a recent study is anything to go by, we'd also be taking these trips in the company of celebrities, rather than our friends and family. Indeed, to celeb
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Hot Car Deals, 03 August 2012
Which? Hot Car Deals: Three great discounts on the Ford Fiesta, including Zetec and Econetic models.
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6 back-to-school supply tips from teachers
Teachers dole out lots of lessons, but when it comes to school supplies, the rule is simple: Less is more.
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Saturday 23 August 2014
Autonet Insurance shortlisted for Insurance Technology Awards
Van specialist Autonet Insurance reach finals once again
Staffordshire based insurance broker Autonet Insurance has been successfully shortlisted for the Insurance Technology Awards 2013, reaching the final of the ‘Customer Experience Award’ category.
Spring this year saw Autonet Insurance launch their new ‘live chat’ service which enables customers to contact the broker online in a live environment. Having recently won the ‘Best use of Technology’ award at the Midlands Contact Centre Forum, Autonet were pleased to announce they had been nominated again for another technology award due to the success of the ‘live chat’ system to date.
This newly formed award ceremony will acknowledge a variety of different aspects of technology that have had a direct influence to the insurance industry, proving a stage for companies throughout the UK to boast innovative ideas and projects surrounding their IT functions.
The judging panel will consist of many influential figures with a broad background knowledge of both the technology, and insurance sectors during the course of the evening.
The winner will have to demonstrate how the adoption of a new development or innovation has helped their client base within the insurance industry over the last 12 months. So far, Autonet has received an abundance of positive feedback from both their customers and insurance advisors on the use of the system. It enables people to safely and securely send documentation to the broker at a click of a button as well as asking any questions they may have regarding their insurance policies.
Managing Director, Ian Donaldson commented: “This has been a fantastic year so far for Autonet. We have already won 3 awards and to be shortlisted for the Insurance Technology Awards is an absolute honour. We are very proud of our new live chat service which gives our customers another avenue to contact us. Having already won an award for this service, to be nominated again is a true reflection of how well it is performing.”
The winner will be announced at the Royal Garden Hotel in London on the 28th November.
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How to transfer a cash Isa
This guide explains how to transfer a cash Isa, including the mistakes to avoid when transferring, and how transfers to and from stocks and shares Isas work.
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Money talks: Mega landlords sell up as price of living in London soars
Plus a call for more transparency on insurance premiums and a clampdown on copycat websites
Hello and welcome to this week's Money Talks a round-up of the week's biggest stories and some things you may have missed.
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Friday 22 August 2014
Sporting registration plates to go on auction
From Thursday June 7th, the DVLA will be auctioning some of its most coveted personalised registration plates- and they certainly come at a price. In the past decade, football related number plates have sold for thousands in auction: ‘WE57 HAM’ (£57,000), ‘AR53 NAL’ (£36,000), ‘V1LLA’ (£35,000). This year’s auction will see ‘FU1 HAM’ go under the hammer, perhaps another dedicated fan will become the proud owner of this number plate.
As an official licensee of London 2012, the DVLA will also be auctioning new Olympic Games related plates: ‘2012 OG’, ‘GO11 DEN’. These are sure to go for particularly hefty sums as well, as prized mementos of this exciting event.
So if you’re thinking of bidding for one of these fabulous registration plates, you’ll want to be saving a little elsewhere – be sure to compare van insurance with The Van Insurer and find the cheapest van insurance quote for you.
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Money market account and rates in Chico-Redding, California
It's a rough time for savers. The average national money market account rate is currently at 0.1 percent. But you can use our research to shop for a money market account and rates in Chico-Redding, CA, today. One bank in this survey recently has been offering 0.85 percent on a money market account, or three-fourths
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How you're putting your home at risk
From blocked guttering to an unswept chimney, we reveal the surprising ways you could invalidate your home insurance this winter.
Convinced you hate winter? Well, these months can be even more gruelling for our properties as they’re constantly assaulted by rain, snow and wind. In fact, any number of mishaps could cause tens of thousands of pounds in damage – a collapsed roof, a burst pipe, etc, etc…
Unfortunately your home insurer may not pay out if it believes you have been negligent with the maintenance of your property.
New data from insurance company AXA reveals that the company rejects around five percent of storm damage claims if the damage has been caused by poor maintenance, rather than extreme weather.
Despite this, some 59% of homeowners incorrectly believe their insurer will cover all weather-related damage.
‘Misconceptions about home insurance cover is an industry-wide problem that causes a lot of heartache for consumers,’ said James Barclay, home insurance underwriting manager at AXA.
‘There are some claims that we simply have to turn away as they are caused by obvious neglect and lack of investment in the property rather than the weather,’ he added.
How we’re neglecting our homes
Although most of us have probably postponed work around the house at one time or another, an alarming number of Brits fail to perform essential maintenance.
One in 10 of those surveyed was aware of a leaky roof, 15% have cracks in the walls and 10% have blocked or damaged drains.
While these issues may seem relatively minor, they could be a major factor contributing to severe storm damage.
Some 36% of those quizzed said they had not repaired the damage due to concerns over cost. Perhaps more shockingly, 3% confessed they were waiting for the problem to escalate before putting in an insurance claim.
Furthermore, an insurer may deem you have been negligent if an unswept chimney has caused a fire or untended crawling plants damage your brickwork. Bear in mind, these are issues that could occur at any time of year, not only in winter.
What if I take care of my home?
While homeowners who neglect their properties could be left with a hefty bill in the event of an unpaid insurance claim, this situation is more reassuring for those who keep their properties in good repair.
Most insurers should pay out for weather damage as part of a standard perils policy. One possible exception being if you live in an area with a high risk of flooding and your insurer specifically excludes flood-related damage in your policy.
Your insurance company will normally send a loss adjuster to visit the property who will subsequently appoint a contractor to oversee the repairs. A number of policies will also provide alternative accommodation should your home become uninhabitable.
Bear in mind, getting your home repaired may take longer during a city-wide incident when insurers and contractors are over-stretched.
For more stories like this, see The sneaky small print on insurance policies and Five car insurance secrets.
**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**
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Thursday 21 August 2014
CA DUI for Minors Under 21
California defines DUI for Minors under 21 as an infraction, even if blood alcohol levels are below 0.08 percent. Any higher BAC levels are subject to misdemeanor penalties. California also has a zero tolerance policy for drinking and driving, and in addition to the penalties outlined below, any level of alcohol intoxication subjects offenders to an automatic suspension of driver’s license for one year. If there were no driver’s license to begin with, the penalties include a postponement in applying for any driving privileges for up to one year. Determining Factors of DUI for Minors under 21: Before any case can be brought to court, there are factors of the crime that will need to be verified. DUI for Minors under 21 CPC 23140 is no different, and these factors include: 
- The driver was intoxicated with alcohol or drugs
- The driver was a minor under 21
- 1st time offenders: $100
- 2nd time offenders: $200
- 3rd time offenders: $300
- Jail: up to 6 months
- Fines: up to $1000
- Probation: up to 5 yrs.
- Suspension of License: up to 6 months
- DUI school
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Dovish BoE helps buoy Britain's FTSE
Britain's top share index ended slightly higher in thin trade on Wednesday, boosted by a dovish message from the Bank of England. Financial markets pushed back expectations for a UK interest rate rise ...
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Hot Car Deal – Save £5,185 on Skoda Yeti 4x4
Which? Car: The Skoda Yeti may sport unconventional styling, but this practical car makes for a sensible purchase - especially after discounts of up to £5,185.
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Wednesday 20 August 2014
Refinance in Little Rock, Arkansas
Find the lowest refinance mortgage rates in Little Rock, AR, by visiting our site. We provide the ability to check local refinancing rates in Little Rock with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout Arkansas and the country. Rates are subject to fluctuation during the course of the
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Auto loan rates in Bakersfield, California
Car loan rates are low throughout the country. The current national average for 48-month new-car loans is 3.97 percent. And several lenders are offering rates lower than that average. Use our research to find auto loan rates in Bakersfield, CA, today. It's important to budget for the total cost of owning a vehicle. That means
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What Cities Can Do To Improve Pedestrian Safety
By Aaron Crowe
Three major U.S. cities recently received $1.6 million from the federal government to improve pedestrian safety, but officials aren’t making pedestrians safer by making their cities more walkable. Instead, most of the money is being spent on ticketing dangerous drivers and monitoring crosswalks.
Of the three cities to receive the grants from the U.S. Department of Transportation’s National Highway Traffic Safety Administration — Louisville, Philadelphia and New York City — New York City had the most pedestrians killed in motor vehicle crashes in 2012 with 127 such deaths that represented 47 percent of the city’s total traffic fatalities.
New York was awarded $805,801 and plans to use it to deal with speeding drivers who don’t yield to pedestrians in crosswalks. The city will target young men — the demographic most likely to be in pedestrian crashes — through social media and enforcement activities in high-crash areas.
While those three cities aren’t considered largely friendly to pedestrians, there are lessons to be learned from walkable cities that could be implemented elsewhere. Ticketing more drivers who endanger pedestrians may be a good short-term solution, but a long-term solution might be to use other methods to make cities safer to walk in.
Where the most walkable cities are
Nationally, only 2.8 percent of workers walk to work. But some cities have policies and planning efforts to make walking an everyday means of commuting.
Data in the Census Bureau’s American Communities Survey found that Cambridge, Mass., was the most walkable city with a population of at least 100,000, with 24.5 percent of its residents walking to work. It created an ideal environment for walking with densely populated neighborhoods, commercial district city squares, and multiple public transit lines spanning the city.
Other top large cities for walking commuters were Columbia, S.C., with 20.7 percent of workers walking; Berkeley, Calif. with 18.1 percent; Ann Arbor, Mich., and Boston, Mass., with 15.5 percent each; and Provo, Utah with 12.2 percent.
What makes a city walkable?
In Bloomington, Ind., where 16.2 percent of commuters walked to work in 2012, having Indiana University downtown is a big factor in getting more people walking, says Vince Caristo, bicycle and pedestrian coordinator for the city of 80,000. Seventy percent of the university’s faculty, staff and students live within three miles of the campus, making it an easy walk, Caristo says.
“University towns tend to have high rates of walking and biking,” he says.
But having a university in the center of a city isn’t the only thing that encourages walking. Major destinations, such as employment centers, in a central part of town can encourage short trips, Caristo says
Having a great transit system is another encouragement to walk, since commuters are likely to be open to walking short distances after taking public transit.
In Bloomington, the city’s zoning codes require sidewalks on both sides of almost every street that’s built by a developer, Caristo says. Developers are also required to build bike paths.
The most important thing cities can do to ensure pedestrian safety is traffic calming, says Dan Biederman, president of Biederman Redevelopment Ventures, which designs urban parks and streetscape.
Few people are killed if they’re hit by a car going 20 mph or slower. Pedestrians have a 90 percent chance of survival if a car hits them at 20 mph, compared to a 10 percent survival rate if hit at 40 mph, Caristo says.
To slow traffic, Biederman recommends having angled, on-street parking; eliminating one-way streets and arterials; and eliminating extra lanes that only encourage fast driving.
A cheap and easy way to improve pedestrian safety is to paint thick, white lines on downtown crosswalks to make them more visible, he says.
Bloomington is also looking into increasing the lead time pedestrians have over cars to enter a crosswalk a few seconds before a light turns green for cars to enter.
Fun reasons to walk
For Anne Dimon, founder of Travel to Wellness magazine, a city’s walkability has more than well-marked crosswalks. A part-time resident of Toronto, Dimon says the city’s multiculturalism makes it a fun place to walk.
“The thing that makes Toronto so appealing for residents and visitors who love to walk is the various multicultural neighborhoods that Toronto is famed for,” she says. “Little Italy, Chinatown, Greek Town and numerous others.”
Coffee shops, restaurants, theaters and other businesses that are typical in busy downtown areas and attract pedestrians also improve a city’s walkability.
The good news about pedestrian fatalities in traffic crashes is that they’ve remained flat during the past decade. According to the NHTSA, there were 4,774 pedestrian deaths in 2003 in traffic crashes, and 4,743 in 2012. That’s still a lot, with 14 percent of all traffic fatalities to pedestrians.
New York City, at least, is taking notice. The city is looking to Sweden for road safety tips, such as reducing speed limits and installing median barriers to separate two-way traffic in high-speed areas.
What Sweden isn’t doing much of — though New York and other cities do — is focus on education and enforcement of pedestrian safety. Jaywalking tickets and cards with safety tips may sound like good ways to stop pedestrians from getting hit by cars, but a speed bump and lower speed limits can do a lot more, the Swedes found.
Aaron Crowe is a journalist who covers the auto industry for CheapCarInsurance.net.
What Cities Can Do To Improve Pedestrian Safety is a post from: Cheap Car Insurance News Blog
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Tuesday 19 August 2014
Amlin profits hit by large catastrophe losses, FX movements
Non-life insurance and reinsurance underwriting group Amlin posted a drop in half-year pre-tax profit, which it blamed on an adverse foreign exchange translations of £24.6m and large catastrophe losses....
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Cash Isa deals of the week 07 August 2014
Which? Money's weekly look at the best cash Isa deals to help you invest your cash Isa allowance for 2014/15
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Tips On How To Limit The Losses On Your Van With A Van Insurance Cover
The main essence of a vehicle insurance policies are to protect against any kind of unforeseen disasters or incidents such as theft, accidents or fire. As a result, if perhaps your motor vehicle gets involved in an accident and gets damaged, your van policy protects it and it’s going to be repaired back to it’s original state. Realistically, car insurance policy is a massive relief for both vans and other automobile owners. Some individuals have this perception that van insurance is pretty expensive and therefore get frightened insuring their vehicles therefore breaking the law. Presently, getting cheap van insurance deal can be extremely very easy if you follow a few guidelines. – http://www.cheapestvaninsurance.org/
A few of the criteria needed for securing a cheap van insurance are: ensuring that you have not claimed from your previous policy for up to 5 years or more; making sure that your van is always packed in a secured garage at night. It is a common belief that only commercial vans needs to be insured but this is not the case rather non-commercial van insurance is important for everyone who drives a van whether for commercial purpose or non commercial purpose.
Extra insurance coverage could be needed for those that use their vans consistently on a daily basis. For individuals and small corporations, vehicles are one of the easiest choice for the moving of products as well as services. Vans have become very depended upon by people and corporations nowadays. In the event that these vans get damaged, then it adversely affects the whole business entirely as movement of goods and services are restricted. In such an ideal situation, that’s where van insurance policy comes in, they would reimburse expenses and losses derived as a result of the damages in addition to getting the vehicle back on the road.
So that the policy holder can be rest assured of not suffering further financial consequences. Before obtaining your van insurance quotes online, always ensure you determine the appropriate cover that meets your requirements and suitability. Whether comprehensive, third party fire and theft or just third party only, paying for a cover you don’t really need would end up costing you more money. Basically, if your premium is less than 10 times your six months comprehensive insurance then you might not need to take out the policy because your van might not be worth taking out the comprehensive cover on.
Some individuals feel they can select a different cover in order to have a cheaper premium but use their vans for a purpose contrary to the purpose they have stated with their insurers, These is very unwise as such acts can invalidate one’s policy. Van insurance brings with it considerable amount of benefits and rest of mind as well against any future eventualities. To help business owners and sole proprietors carry on with their businesses when their vehicle is off road due to an accident, most insurance companies always provide courtesy vehicles for their policy holders.
Business owners most especially benefit from this huge benefit especially those that cannot do without their vans on a daily basis. The insurance of vans includes two major covers that includes comprehensive cover and third party fire and theft. Collision or third party fire and theft entails cover for third party vehicles that are involved with yours in an accident and also covers your vehicles against fire and theft. This coverage is offered mainly for collision with other third party vehicles in an event of any collision whatsoever.
However, in the event of any natural disasters like flood, hail, thunder storms earth quakes and so on then comprehensive cover is the most ideal policy to undertake for your vehicle. A lot of superb advice exists that can help lower the amount of insurance premium billed by insurance firms.
Below are a number of ways to obtain a cheap van insurance-
(I) if you are a good driver, then you can increase your deductible amount and also avoiding any claims in order to lower down your premium.
(II) Installing car alarms and immobilisers do prevent car theft and burglary to a certain extent that the insurance companies are willing to credit you for installing them on your vehicle. Security systems are very effective for deterring break ins and theft and insurance companies give discounts by reducing premiums on vehicles that have installed security systems.
(III) Another great way of acquiring cheap van insurance is by just doing your research other van insurance websites to obtain the cheapest quotes for your needs. Comparing various insurance quotes would help you unveil numerous quotes you never knew existed before.
http://www.cheapestvaninsurance.org/short-term-van-insurance.html
http://www.cheapestvaninsurance.org/one-day-van-insurance.html
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Monday 18 August 2014
Hot Car Deals, 03 August 2012
Which? Hot Car Deals: Three great discounts on the Ford Fiesta, including Zetec and Econetic models.
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Fleecing the elderly: price rises that shame the insurance industry
Year after year quotes are routinely raised in the hope no one will notice
As Betty descended into dementia in the last year of her life, she stuffed her post into folders where it remained unopened. Her daughter wrote on Guardian Money's website in 2012 that "when looking at her finances I found her home insurance had been almost doubled from 2009 to 2010. The company just notified her and then increased the amount due from the bank. A simple way to get that big increase and hope no one notices. That's morally unjustifiable".
It is to the insurance industry's shame that every year they routinely raise home premiums especially those paid by older customers far, far beyond the cost of underwriting the risk on the property. We reported how an 83-year-old Derbyshire pensioner, living in a modest two-bed bungalow, had his home and contents policy with the same insurer for 58 years. It progressively ramped up his premium to £648 a year yet if he bought it as a new customer it was just £135.
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The £48,940 cost of your holidays
Believe it or not, the average Brit takes 54 holidays during their lifetime and spends almost £50,000 in the process. Here's how you can cut costs.
As the age of austerity shows little sign of abating, many of us may be forced to sacrifice our annual two weeks in the sun to make ends meet.
Despite the current financial squeeze, however, research from Sunshine.co.uk has found that the typical person takes 54 holidays during their lifetime – costing a whopping £48,940.
Where exactly does this money go?
Flights and accommodation
When it comes to holidays, there’s no denying that flights and accommodation are among the biggest expenses. According to Sunshine.co.uk’s data, the average person spends £450 on flights and accommodation per holiday.
However, there are ways to cut back on your spending. For example, you could consider flying during the week, rather than on a Saturday or Sunday ­– the weekend is normally the most expensive time to travel.
You could also get a better deal if you fly at an unsociable time when fewer people are willing to travel – as long as you’re willing to get to the airport at three a.m that is.
You could potentially save hundreds of pounds on your hotel bill if you opt for a less popular holiday destination.
Spending money
During a typical holiday, the average Brit will fork out as much as £300 on spending money alone.
The trick is to ensure you don’t spend more than you had budgeted for. Putting all your spending on a prepaid card could help you stick within your spending limit.
With one of these products, you load a certain amount onto the card before leaving the UK, which could be useful for those who struggle with self discipline on vacation. If you do run low on cash, you can always top up the card.
Travel insurance
Buying travel insurance is a wise move before any trip and this type of cover could pay out if your luggage is lost or you need to stay in the hospital.
With the data revealing that the average person spends £16.30 on insurance per trip, many of us are already receiving a pretty competitive deal.
However, you could potentially find cheaper premiums by comparing a range of offers before buying your policy. Likewise, frequent travellers may also save by opting for annual multi-trip insurance, rather than paying for each trip separately.
What you might not have budgeted for…
Of course, the cost of your holiday isn’t confined to the obvious big-ticket items and holidaymakers would be wise to factor in other miscellaneous costs too.
According to the research, we each spend a massive £100 per holiday on clothes and accessories. Likewise, the cost of a transfer between the airport and the hotel is typically £20 per person.
Finally, one of the most hated holiday rip offs is still costing us money as Brits are paying £20 per person for airport parking. Although this might not sound too extortionate, it would total £80 for a family of four.
What else can you get for £48,940?
Now just imagine that you had never been on holiday in your life. How else could you have invested your cash? According to Sunshine.co.uk, this money could also get you:
A holiday home in Spain
A luxury all inclusive round the world cruise
A second hand helicopter
4,078 bottles of Nivea sun cream
A private island in South America
48,900 items from the pound shop (with change)
For more articles like this, check out Five of the craftiest holiday cons and Holiday rip-offs revealed.
**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**
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Sunday 17 August 2014
Autonet Insurance employees declared finalists at the UK National Contact Centre Awards
Autonet Insurance is pleased to announce six employees were nominated as experts in their field at the UK National Contact Centre Awards.
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CA DUI for Minors Under 21
California defines DUI for Minors under 21 as an infraction, even if blood alcohol levels are below 0.08 percent. Any higher BAC levels are subject to misdemeanor penalties. California also has a zero tolerance policy for drinking and driving, and in addition to the penalties outlined below, any level of alcohol intoxication subjects offenders to an automatic suspension of driver’s license for one year. If there were no driver’s license to begin with, the penalties include a postponement in applying for any driving privileges for up to one year. Determining Factors of DUI for Minors under 21: Before any case can be brought to court, there are factors of the crime that will need to be verified. DUI for Minors under 21 CPC 23140 is no different, and these factors include:
- The driver was intoxicated with alcohol or drugs
- The driver was a minor under 21
- 1st time offenders: $100
- 2nd time offenders: $200
- 3rd time offenders: $300
- Jail: up to 6 months
- Fines: up to $1000
- Probation: up to 5 yrs.
- Suspension of License: up to 6 months
- DUI school
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Auto loan rates in Fairbanks, Alaska
Car loan rates are low throughout the country. That's making it a lot easier to find a decent rate in Alaska. The national average 48-month new-car loan rate is currently at 3.97 percent. And there are four lenders in this survey offering rates lower than that average. Use our research to find auto loan rates
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Saturday 16 August 2014
British holidaymakers bring back cigarettes to avoid UK prices
2014-07-28 British holidaymakers bring back cigarettes to avoid UK prices Everyone likes to buy souvenirs when they're on holiday, as these can make great gifts for friends and relatives back home, while also helping to keep the memory of a great trip alive long after it's over. However, when choosing
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Hot Car Deal – Save £4,000 on new Nissan Qashqai
Nissan’s Qashqai has been in the UK's bestselling-car list for years, but you can still find 15% discounts on this 4x4, cutting high list prices down to size.
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(Cheapest Car Insurance Companies In Ontario) -Get Insurance
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Friday 15 August 2014
Research reveals most common motoring convictions
Research carried out by Confused.com has revealed the top ten most common motoring convictions in the UK.
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Video: Refinance an upside-down mortgage
If you are inverted on your mortgage, there are some refinancing options available.
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FCA fines Stonebridge Insurance £8m for mis-selling accident plans
Almost half a million customers across Europe now in line for compensation over sales made between 2011 and 2012
An insurance company has been fined more than £8m by the City regulator for mis-selling personal accident plans, which means over 480,000 householders could now be in line for compensation.
Sales staff at Stonebridge International Insurance, part of insurance giant Aegon, targeted low and middle income customers without college degrees or professional qualifications by selling them expensivepersonal accident, accidental death and accidental cash plan insurance products, the Financial Conduct Authority said. The company would then use separate staff to contact the customers to ensure that they didn't cancel their policies.
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Thursday 14 August 2014
Turn off your engine to save the planet!
For all you van drivers who spend the day on the road, the Energy Saving Trust is appealing to you! They are asking all motorists to take heed of warnings about pollution from vehicle engines and consider switching off your engine when stuck at lights or in a traffic jam, in an effort to reduce emissions levels.
Information from Transport for London shows that if all the drivers in the capital alone turned off their engines for just one minute instead of idling, the capital could reduce its emissions by 90kg a year. The were eager to point out to drivers who were concerned about fuel consumption that turning an engine on and off results in less fuel being used than if you left it running. Tim Anderson, Senior Knowledge Manager at the Energy Saving Trust said;
‘This small individual step can collectively make a significant difference and help improve life for everyone.’
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Port operator fined over safety
A court has fined a Port of Tilbury berth operator £20,000 for safety failures that resulted in a worker having both legs amputated after they were crushed by a cargo container.
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Refinance in Montgomery-Selma, Alabama
Mulling over a refinance in Montgomery-Selma, AL? Refinancing can be tricky, so use our calculators, tools and guides to help guide you in all aspects of refinancing. Trying to gauge how long it will take to break even on a mortgage refinance? We provide a mortgage break-even refinance calculator to guide your process. Rates are subject
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Wednesday 13 August 2014
Do You Want To Pay Cheaper Premium On Your Van Insurance Policy?
Investing in vans or similar vehicles has resulted in many businesses doubling or even tripling their profits because of the role these vehicles play. A current and valid insurance policy is a must have for all vehicles including vans irrespective of their shape, sizes and purpose of use.
Getting the right insurance coverage for a van can become extremely expensive for businesses, especially those requiring fleet insurance for their numerous vans. Finding an inexpensive van insurance premium can most times become a daunting task if you do not know how and where to find it- below are great tips you can adopt when searching for low- cost van insurance premium for your business.
Irrespective of your situation, searching for a new van insurance policy for your new van or perhaps, wanting to renew your existing policy, doing a little research can save you time and money on the long run. In this day and age, the way we search for information has been greatly influenced by the advent of the internet, and so provide the best place to begin your search for the least expensive van insurance quotes.
The Internet is a Good Starting Point For Your Van Insurance Research
Going through scores of different van insurance quotes manually is the perfect way to waste your time and money. Over the last decade comparison websites have sprung up to help you compare insurance quotes fast and saving you money on your premiums, use them!. All you need to do: fill out a simple form with your correct details on the comparison website then get lots of quotes from different insurers within seconds.
Although not all offer that;s guaranteed to meet your particular budget expectation, you will discover that some insurers are in a much better position to offer your desired level of cover at an incredibly reduced premium. After picking your ideal quote, it pays to always consult the insurer to confirm a detail or two about your chosen policy before committing to the insurance quote on offer.
While the internet is an ideal starting point for uncovering that elusive low cost van insurance premium, you also need to be prepared to contact your insurer to see what deal is available. It’s an ideal opportunity for you to determine what is contained within the policy you’re buying and what is not in it. Upon providing your new or amended details to the insurer after the initial quote, they may now use the new information to revise their previous quote which could even become cheaper still.- http://www.cheapestvaninsurance.org/
Call Up Your New Insurers To Discuss The Policy
Insurance for van is a little more of a specialist type of cover than car or even home insurance. Unfortunately, not all insurers can provide cover, in particular competitive premiums. Many a times, we avoid trying newer things instead, we stick with what we’ve been accustomed to, like getting quotes from the same insurer we’ve been with for ages . However, if you’re serious about reducing your premium you must to go the extra mile.
No matter how contented you may be with your current premium or insurer, it still pays to shop around to get even better bargain. Irrespective of the manner you search for a cheaper deal, using van insurance comparison sites or approaching individual insurers directly or through their websites, discovering discount quotes can be pretty straight forward.
If you are able to source a cheaper quote you can use that information to approach your current insurers (or indeed any others that you’re interested in) and discuss their competitor’s sites. These insurers are under no pressure to change their quotation, some might not even consider changing it, it simply establishes a medium of at least communication with the added chance of reducing your premium even further without amending your policy.
Confirming Your Policy
At this critical stage before your policy acceptance, you will be in a better position to figure out what’s best to retain or discard with your policy in order to keep your premium at a low. Typically, insurers would like to cross sell you on other insurance packages like legal expenses cover, personal injury cover, European cover and lots more. But, there isn’t any point buying any of these package when you really do not need them.
A policy thoroughly examined to strip of any unwanted extras and left with only the primary cover and protection needed. Don’t go increasing your level of excess by an insane amount, just make sure you aren’t paying for unwanted add- on. Getting rid of all the unwanted optional extras from your policy will help you save loads.
The bottom line though is when it comes to reducing van insurance premium you’ll need to be prepared to do some work. Whether that’s researching alternative providers online or phoning your current insurer to see if they can remove any unnecessary baggage, there are plenty of options to help you get the right result.
http://www.cheapestvaninsurance.org/one-day-van-insurance.html
http://www.cheapestvaninsurance.org/short-term-van-insurance.html
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Hot Car Deal – Save £4,000 on new Nissan Qashqai
Nissan’s Qashqai has been in the UK's bestselling-car list for years, but you can still find 15% discounts on this 4x4, cutting high list prices down to size.
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Hot money deals, 23 August 2012
Which? Money experts round up the best financial deals, from savings and cash Isas to loans and credit cards
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Tuesday 12 August 2014
Different Car Insurance Rates Among Different States
If you were to compare car insurance rates by state you’d find that similar drivers with similar vehicles pay different rates depending on the state where they live. This is one of the curious aspects of car insurance a lot of people don’t understand. That misunderstanding comes by way of the fact that so many drivers think of cheap car insurance as a static product similar to a computer or television set. By “static” we mean a product that comes off a production line and is identical among all pieces of the same line.
The thing about car insurance is that it’s not static. For example, two different drivers may both have collision and comprehensive coverage on their vehicles but pay different rates for it. This makes complete sense when you consider one driver owns a BMW while the other driver owns a Kia. The values of their respective vehicles heavily influence the cost of their collision and comprehensive insurance.
United States of America
In terms of the various states, here are a couple of things that influence auto insurance quotes:
State Laws – Far and away the biggest influence on cheap auto insurance at the state level comes by way of insurance regulations. A state where insurance is heavily regulated to the point that it chokes out competition will see higher car insurance costs. Other regulatory conditions that contribute to annual premiums include minimum liability requirements, taxes and fees, how the state’s high risk pools are funded, and how traffic violations are dealt with.
Population Density – Population density is another big factor at the state level. States with high population densities such as California and Massachusetts have the potential for higher insurance rates because there are more drivers on the road to cause accidents.
Accident Rates – The different states experience different accident rates depending on a whole host of factors. Weather, average driver age, road conditions, and economic conditions all play a part in influencing accident rates. Like population density, a state with a higher rate of accidents per capita will see that reflected in car insurance quotes.
Job Outlook – Believe it or not insurance statistics show a greater propensity for insurance claims among specific occupations. Insurance companies can look at those statistics from one state to the next and partially determine rates of accident claims based on occupation and income levels.
Suffice it to say there are a number of things at the state level that contribute to how much you and I pay for insurance. When you’re searching for car insurance quotes, it’s best not to about worry what your cousin and his neighbor are paying two states away. Your state is what it is and that’s not likely to change. By the same token, if you’re thinking of moving to another state and you’re not restricted in your choices, taking into account the likelihood you’ll be able to find cheap car insurance may be a factor in your decision.
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Autonet launch existing brand onto aggregator site
Autonet Insurance is pleased to announce the launch of one of their existing brands onto the popular aggregator site, Quotezone.
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What is a mortgage?
Don't know your fixed rate from your tracker or your discount from your SVR? Read the Which? guide to what the different types of mortgage can offer you.
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Monday 11 August 2014
AA’s fight for fair fuel prices backed by government
The government has stepped up to help the AA’s campaign for fail fuel prices by calling on fuel providers to give customers access to daily fuel values- therefore ensuring that blanket prices are marketed across the entire country. The AA hopes that implementing this will ensure that the whole country benefits from lower fuel prices.
It seems that oil price hikes are quickly mirrored at the pumps, but any drop in price takes a long time to filter down to us as consumers- let’s hope this changes following these reforms, as the government has promised to take further action against fuel retailers if new regulations are not adhered to.
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Autonet announces their new affiliate partner TopCashback
Autonet Insurance, one of the UK’s leading van insurance brokers announces a new affiliate partner collaboration with TopCashback.co.uk.
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Should integral communications systems be as standard in vans?
It has been suggested that integral communications systems in vans should be made an as standard addition by van manufacturers, as an increasing number of van operators would benefit greatly from communication devices which helped them to stay in touch with colleagues or customers.
A range of communication equipment that adheres to stringent safety guidelines could allow business van drivers to improve their overall performance and productivity, perhaps with the use of a smart phone- utilising its multiple functions (sat nav, email, calls etc.)
Vans fitted with integral communications systems would also sell well on the used van market. Currently used van sales are high for vans fitted with satellite navigation systems- so one can only predict that full communications systems would fare well too.
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Sunday 10 August 2014
Mortgage rates in Paramus, New Jersey
Looking for mortgage rates in Paramus, NJ? Let our site assist you by providing tools to help you make a decision. Mortgage rates can change throughout the day and week, but our easy rates search function allows you to check local mortgage rates in Paramus and throughout New Jersey. Rates are subject to fluctuation during the day
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New proposals for more driving penalties
If new government proposals are to go ahead, then driving penalties could get a lot more severe very soon. Offences such as speeding are to have their penalties increased by up to 50%, so instead of three points and a £60 fine, those breaking the limit could be looking at double that amount. It isn’t only speeding that is destined to be treated more severely, as using a hand-held mobile phone or not fastening your seat belt could also see you in severe driving hot water.
If fines were to go ahead, then the government could stand to gain an extra £33.5 milion a year in driving penalties alone, but they haven’t stopped there. They are planning to introduce fines for other offences, such as tailgating and cutting up other drivers, which would incur an on the spot £90 and three points on your licence.
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