In any petrol car engine, the Spark plugs are made from metallic insulation material. Most of the vehicle owners don’t have that much idea about this small but essential engine component. Usually, the electrons in a spark plug consist of high-nickel alloys, while the aluminium oxide ceramic is generally insulated, and the covering consists of steel metal. Once someone attaches it to the metal closet, one then connects it to the lateral electrode. In the metal shell, the primary inner electrode is isolated by a layer of porcelain. The main electrode flows in this porcelain situation from the current. The primary electrode is separated electrically from the side electrode by the porcelain box. Among the most famous spark plug producers, few got popular and have substantiated themselves from the best side. From the list of the best Denso Nickel TT spark plugs are among the most common spark plugs on the planet. It is because of the reliability and the authenticity of the product that never lets you down.
What are Denso candles?
TT Spark Plug technology permits improved fuel combustion. This method saves money in the long run and reduces fuel utilization. Denso is one of the world’s most influential pioneers in the field of OEM quality candle technology. So this type of candle is used in several motorcycles and scooters or for tuned and original engines. They minimize fuel consumption, and the car can work for a long time on an equivalent quantity of fuel. Its exceptional ignitability guarantees higher ignition, allowing leaner mixtures to become less misfiring than a nickel plug.
Can you fit a Denso candle in your car?
Although you can buy spark plugs in your car coordinating packs, not every spark plug is inclusive and can be worrying for you. Sparkling Plugs come in varying sizes, different holes, and manufacturers use several metals to make them. So you have to ensure that they are correct for your cars.
How to change spark plugs?
The job is simple. To sustain maximum performance and gas kilometres, changing the spark plug takes an experienced individual around 1 hour. The spark plug is just as quick to adjust if you know what you’re doing.
Park your vehicle on a level, dry surface and guarantee the motor is cool and follow the below-mentioned steps:
- Locate the spark plugs.
- Access the plugs.
- Remove the old plugs.
- Gap the new plugs.
- Mount the new plugs.
When should you change your spark plugs?
No. It is not the part that needs to be changed every time you take your vehicle for service. Spark plugs are very durable components; one does not need to replace them so frequently. That said, they should be replaced within a couple of years, or depending on the condition of the existing spark plug, every vehicle will differ on the timeline, and you should contact your service provider to know the optimum time to replace the spark plug.
Getting your first car is a really exciting rite of passage. Your first car should be cheap to buy and run, especially if you are a young driver as you can usually suffer from high car insurance premiums. However, that doesn’t mean that your first car has to be boring! If you’ve just passed our driving test Refused Car Finance has compiled a list of the best cars for first time drivers.
What should you look for in your first car?
There are a few factors which can increase the cost of your car and also how much money you spend in the long run.
Your car budget may depend on how you are going to fund your next car. You might have some cash saved up to buy a little run around or you may be looking to finance your next car with either a personal loan, Hire purchase car finance deal or Personal Contract Purchase.
Car insurance rates
Car insurance rates can be quite high for newly qualified drivers. This is because you are more likely to have a crash or accident within your first year of driving and make a claim. You could consider ‘black box’ car insurance which can decrease your annual premium and monitors your driving through telematics.
Buying a car can be expensive but you need to factor in running costs of a car. There are many things you will need to factor in, for example, road tax, fuel costs, congestion charges, unexpected repairs, MOT and servicing and breakdown cover.
Euro NCAP is a five-star rating system which tests and rates the safety of cars. Young drivers are more likely to be involved in a crash or accident in their first year so safety should be your priority. The safety rating of a car is determined by a series of tests which are designed and carried out by NCAP. The rating ranges from 1-5 stars, the higher the rating the safer the vehicle. Most newer cars in the UK meet the highest standard of safety rating in the UK. So, buying an older car could mean that you miss out on some of the more modern safety equipment which comes in vehicles as standard these days.
What are the best cars for first-time drivers?
1. Volkswagen Polo
The Volkswagen Polo is a great first car. It appeals to both genders and drivers of all ages. You should opt for the small but mighty 1.0 litre 80hp engine which can be cheaper to insure. The exterior is well-built and comes with easy-to-use tech as standard. If you have a little more to spend then you could go for the SE version model which comes with more dafty kit as standard the added peace of mind on the roads.
2. Peugeot 208
The Peugeot 208 is cheap to run but doesn’t look cheap! The design looks very modern and it feels sturdy to drive. The interior is designed around a smart touchscreen media system and for little over £200 a month you could be driving a brand-new Peugeot 208! It’s a great car for dotting round town and picking up your mates!
3. Vauxhall Corsa
The Vauxhall Corsa has been a popular choice with both new and young drivers for many years. The Corsa is a very complete all-rounder. It looks sporty but is comfortable and spacious inside. It is cheap to run and also cheap to insurance, making it a great option for your first car.
4. Ford Fiesta
The Ford Fiesta has been the best-selling car in the UK since 2009! It’s easy to see why it’s a popular choice as it’s fun to drive, comfortable and comes with some great technology. The Fiesta has a handy innovation called MyKey, which allows parent to set a number of settings for young drivers. These settings include maximum speed, seatbelt reminder and a maximum volume for the stereo!
5. Hyundai i10
The Hyundai i10 is surprisingly spacious for a small first car. It has more of family feel then some of the other cars on our list, making it a great option for older drivers who have just passed their test! Many smaller cars can only seat 3 passengers and a driver but the i10 has a full back bench so it’s great for 3 of your mates or 3 kids in the back!
6. Skoda Fabia
The Skoda Fabia is a five-door hatch which has lots of space, it’s easy to drive, cheap to run and practical and safe! It comes with some of Skoda’s impressive ‘Simply Clever’ features which are designed to make life that little bit easier such as a built-in ice scrapper, a ticket holder on the windscreen and an umbrella inside the cabin. If you want to get more bang for your buck, then the Skoda Fabia may be the perfect choice for you.
7. Fiat 500
One of the most stylish first cars you can buy is the Fiat 500. It’s cute, dinky, cheap to buy and run. It is popular amongst many young female drives but can appeal to both genders. It also is in one of the lowest car insurance groups making it a great choice for your first car.
8. Volkswagen Golf
The Golf is one of the most expensive cars to buy on our list, but you can grab a great deal on a used Golf. It’s easy to drive, spacious and well equipped. Also, it comes with some great features as standard. The Golf is our second Volkswagen on the list and if you’re stuck between the two, the Golf is slightly bigger in both width and boot space but both vehicles make a great choice for your first car.
9. Toyota Yaris
A Toyota Yaris is one of the most dependable first cars you can buy. Toyota is well known for its reliability, making the Yaris an all-rounder and will also last you a while. For a small car, there is plenty space up front and plenty headroom. Many of Yaris’ less expensive trims also fall into insurance group 2, meaning that you can benefit from low insurance costs.
10. Nissan Micra
The Nissan Micra is one of the funkiest first cars out there. It’s easy to drive and the 1.0 litre engine model falls into the cheapest insurance group. It’s not the cheapest on our list but you can grab a great deal on a Nissan Micra. The older models can look outdated now but the new Micra is certainly a big upgrade on the model.
Cars are one of the biggest purchases we make in our lives. Added to that, according to the Office for National Statistics, the average spend for car running costs in the UK is around £1,679 per year.
So if you’re buying a car then you’re looking at a pretty significant chunk of your earnings going towards that vehicle. Which makes it all the more important it’s kept in good condition. More often than not you can’t prevent a car’s depreciation in value, but what you can do is ensure it’s kept in great shape to get the most value for your car if you look to sell it further down the line.
So here are a few of our top tips to keep your car looking and driving great.
Regular servicing is the easiest way to keep your car in great condition so don’t keep putting it off. As a broad rule try to factor in servicing once a year. Keeping on top of it will most likely save you money in the long run. And find a good mechanic for when things do go wrong — take a recommendation from friends or family to make sure you aren’t getting ripped off.
Don’t let the battery go flat
Jump starting your battery can put a huge strain on it, so avoid letting your battery go flat if you can. And when charging use a trickle charger where possible. Another avoidable damage commonly inflicted on your battery is letting it go unused for weeks. So if you’re going away for an extended period then see if someone is able to give your car a weekly run out for you.
Stay on top of oil changes
Do this regularly. And while you’re at it, keep all other fluids in your car well topped up. Try to get into the habit of checking these weekly. If you aren’t sure how to then ask someone to demonstrate so you can start adding this into your regular upkeep routine.
Remove heavy loads
Don’t drive around with your boot needlessly full or bike racks on the back when not transporting any. Adding all this extra weight to the car that the manufacturers will have worked so hard to lighten is sure to increase wear-and-tear to your tyres, suspension, and brakes. So have a clear out — your car will thank you.
Air filters can easily become clogged, so keep on top of them by giving them a wash to elongate their life. Your oil filters can clog too so it’s best to stay on top of renewing both of these regularly.
It’s an obvious one but driving smoothly and avoiding being aggressive with your pedals, gears, and steering wheel will be rewarded in the long run. Take it easy and you’ll find yourself with fewer repair bills, as well as lower fuel costs.
Most cars these days are pretty resilient to rust. But rust really can destroy cars so it is important to keep an eye out and ensure yours is protected, especially if you have an older vehicle. This means staying on top of the cosmetic upkeep of your car, and if you do find any rust spots then use some touch-up paint as soon as possible.
It might sound like a lot of extra work initially, but mostly it’s simply a case of getting into the habit of carrying out these checks and learning certain behaviours until they become second nature. And remember, keeping your car in good condition does, quite literally, pay off.
10 Cars for Over 50’s
As you get older, your tastes and needs change, as do the criteria that guide your choice towards certain types of models. Here’s a quick round-up of the best cars for older drivers!
What details should you pay attention to when buying a vehicle as a senior?
Seniors often have above-average financial means. Car manufacturers have understood this and do not hesitate to constantly innovate to attract this clientele with very specific needs.
Some criteria for choosing your model:
- Wide windows to enlarge the field of view
- An automatic gearbox
- A dashboard that will give you the essential information at a glance so you don’t get unnecessarily distracted
- A vehicle equipped with additional mirrors to reduce blind spots and thus facilitate rear controls
- A speed limiter that allows you not to exceed the scheduled speed
What cars do seniors prefer?
Seniors prefer to buy locally. Unsurprisingly, these brands find themselves at the top of the rankings. Renault gets 32% of the vote, Citroen 19% and Peugeot 18% (according to a survey conducted on 1106 people aged 50 to 75).
Here’s an assortment of vehicles at various prices that you might like if you’re over 50:
1: The Peugeot 108
Starting price: £10,400
Elegant and refined, this model has it all. It has several safety features that make it perfect for older drivers. To quote a few:
- a rear-distance camera
- a speed limiter
- a slope start-up aid system
- an under-inflating detection system
2: Citroen C3 Aircross
Starting price: £13,500
This SUV model is slightly elevated, allowing you to see the road better. In addition, this format allows you to get in and out of the car more comfortably. An asset of choice for seniors.
3: The Honda CR-V
Starting price: £25,920
The 5th version of this model will arrive in October 2018. Like the Citroen Aircross, the elevated position ensures passenger comfort. In addition, this model consumes very little (4.4-8.2 L/100km mixed).
4: Renault Twingo Red Night
Starting price: £13,500
This limited edition from 2018 offers a slightly more luxurious version of the Twingo. It is equipped with fog projectors, automatic air conditioning, rear parking assistance and rain and light sensors. Perfect if you’re nostalgic for the Twingo but want a more upscale vehicle.
5: Peugeot 508
Starting price: £29,250
In 2016, the owners of the Peugeot 508 were 63 years old on average. (source: Autonews). Peugeot’s all-new model combines power and controlled CO2 emissions. It is equipped with an infrared front camera and various other safety equipment.
6: Ford Kuga 2018
Starting price: £21,800
Another SUV model that will seduce you. You’ll never have to bend down to get in or out of your vehicle and you won’t hurt your neck again with the rearview camera.
7: Volvo XC60
Starting price: £37,979
This model won the award for safest vehicle in 2017 according to NCAP tests. Reliable, comfortable, efficient and with reasonable fuel consumption, this car is a safe choice.
8: Citroen C4 Cactus
Starting price: £15,350
This new model, released in 2018, is equipped with 12 driving aids to limit the risks in case of inattention. On the European market, it is the first model to introduce suspensions with Progressive Hydraulic Stop™ which give the impression of flying over the road. And it’s also the very first model to introduce Advanced Comfort seats that provide unprecedented comfort. Perfect if your lumbar makes you suffer.
9: Volkswagen e-Golf
Starting price: £36,200
This all-electric model is an original in this ranking. It was put on the French market in 2014 but the dealership offers an updated version since 2017 with a range of 300 km. The e-Golf is equipped with a wide range of options including 16 driving assistance technologies.
10: Skoda Fabia 2018
Starting price: £11,770
This new Skoda Fabia says goodbye to diesel to switch to gasoline. A wise choice since most seniors have a preference for petrol engines. It has the following driving aids: blind spot detection, cross rear traffic alert, and automatic lighting assistant. A reasonable but effective choice.
11: Lexus RX
Starting price: £71,490
With its elevated position, simple, legible dashboard, heated steering wheel, rearview camera and ultra-comfortable seats, this Lexus model should appeal if you’re looking for a comfortable vehicle. A detail that matters: Lexus is renowned for the quality of its after-sales service.
More and more senior drivers
The Signal Senior association offers seniors to put a sticker with a red “S” to encourage other drivers to exercise extra caution. If the idea is surprising, it demonstrates one thing: more and more senior drivers are crisscrossing the roads. Even if car manufacturers are still reluctant to offer special senior ranges, it is to this clientele that they are actually addressing and it is according to their needs that they design their models.
With the UK Government aiming to reach net-zero emission by 2050, as well seeking ways to limit other non-environmentally friendly practices, many industries are coming under pressure to cut their contribution in the pursuit of this overall target. As part of the wider transportation space, the trucking industry has a large part to play in this.
In this article, we explore some of the environmental solutions and opportunities available to the UK trucking industry and how they may play out in the coming years.
With just 0.5% of all licenced vehicles in the UK being ultra-low emissions, the transport industry has a long way to go to reach its target. Although there is a major focus on environmentally friendly cars, the trucking industry also has several solutions available in the space of clean fuel.
Although we may not see them widely available across the UK for some time, Tesla has already released a super low emission semi. This development opens the door for innovation and could be the catalyst required to drive change in the way trucks are made.
More immediately, other cleaner fuels are already available for use in the UK market. For example, Waitrose already uses trucks which are fuelled by biomethane, a bi-product of rotting vegetable waste.
Cleaner fuels are just part of the solution when it comes to creating a more environmentally friendly trucking industry in the UK. Increasing the efficiency of the trucking process itself also has a key role to play.
Newer trucks are now being built to a much higher specification of efficiency, with better aerodynamic designs and lightweight materials. We are also seeing truck drivers becoming more aware of environmentally sound styles of driving, with many of them receiving training as a result of the potential money-saving implications.
Equally, new technologies, software and connected networks could be leveraged to increase efficiency in trucking. This would work by allowing different businesses to work together to ensure that fewer trucks are on the road without cargo, meaning all journeys have a purpose.
Ultimately, all forms of additional efficiency will also lead to cost savings for the trucking businesses which adopt them. As well as offering the potential to grow by working with others to pick up more business.
Waste Removal & Transport
Waste plays a huge part in environmental health and the trucking industry plays a large role in the transportation and disposal of this waste, such as those used for skip collection.
One of the biggest problems with skips is the fact that a considerable amount of recyclable material will usually find its way into the skip. Although the trucking business may not be directly responsible for this, finding ways to educate their customers on how best to deal with this sort of waste can help limit environmental damage.
The physical transportation of waste also plays a role in fuel emissions. One way to offset much of this is to invest in fuel-efficient vehicles. However, there is also something to be said for investing in used vehicles which have been fully refurbished, like those supplied by MHF, as prolonging the life of a vehicle also mitigates the emissions associated with building a new truck.
As the UK pushes forward towards a more environmentally friendly future, the trucking industry will be expected to play its part in reducing emissions and limiting any potentially harmful waste.
The solutions we have outlined in this article are useful reference points for forward-thinking trucking businesses that want to get ahead of the curve and put in place the sort of environmental solutions that are likely to become common in the coming years.
“Trucks remain a major source of pollution that creates smog, and smog is linked with coughing, wheezing, shortness of breath, and can cause asthma and premature death.”
Paul Billing’s (American Lung Association)
Larger vehicles like trucks are responsible for a significant portion of transport pollution. This pollution affects both the environment and human health negatively. We rely heavily on trucks to transport our goods around the country. It’s not practical or financially realistic to build electric trains to transport all our goods. The next best thing is to look at how we can make our trucks more environmentally friendly.
Which Companies are Making Changes?
The issue is already being looked at and worked on by multiple transport companies across the globe, such as Tesla, Rivian, and Einride. There is a growing trend and expectation for big companies to change their delivery fleet to electric within the next five years.
Many have already started doing so, Amazon is in the process of creating a fleet of 100,000 electric delivery vans, in partnership with Rivian. UPS in the UK is moving towards a fully electric mail delivery service. They have already ordered a fleet of 10,000 delivery trucks through the electric truck company Arrival, which will be rolled out between 2020 and 2024.
Japanese design brand Muji has recently launched an electric autonomous shuttle bus. The Swedish company Einride has created autonomous electric logging trucks, which are already being used in Sweden. In the US Proterra is producing electric buses and school buses.
Another example of electric truck ingenuity is the Tesla Semi, as pictured at the top of the page. The Semi has a lot of great features, and best of all it uses less than 2 kWh per mile energy consumption. There are no doubt other companies competing with Tesla now too.
The future of trucks is electric. As it needs to be, in order to meet global emission reduction targets from the UN and individual countries. There is significant progress in many countries but we are still in the early stages, with trials and prototypes, especially for the autonomous vehicles. There are a lot of great things happening for the electric truck industry though, and we are very confident it is an industry that will continue to grow and thrive in years to come.
Truck Pollution Can Affect Covid-19 Mortality Rates
The symptoms of Covid-19 can be compared with the effects of smog in on our respiratory system. The rise in Asthma and lung conditions in polluted areas is very worrying. A new Harvard Study has made a connection between cities with smog and rate of mortality for Covid-19. The study found that cases of Covid-19 are higher and more deadly in cities with higher air pollution. Air pollution which is largely contributed to by the transport industry.
The mortality rate of Covid-19 sufferers went up by approximately 8% if they were living in a city with significant air pollution. Their lungs were no doubt already affected by the usual smog. Which in turn would make it harder to then cope with the added pressure on the respiratory system from the Covid-19 virus. Meaning they are more likely to succumb to it.
The Environmental Impact of Transport Pollution
Transport pollution, of which delivery trucks make up a decent sized chunk, is a serious concern worldwide. Transport is responsible for a large portion of all carbon emissions worldwide, alongside electricity and manufacturing.
Statistics and Image Credit: transportgeography.org
The next challenge will be to look at the source of the electricity used for cars and other modes of transport. There are concerns about the load on the national grid, and where the grid gets its power from. In countries like New Zealand 83% is renewable, from wind or water but there is a still a small percentage from coal and gas. Most countries are working towards that sort of balance at the moment as well, with majority renewable energy from natural sources. It is however still better environmentally to switch to electric vehicles, even if the source is not fully renewable, this is explained well by ‘Climate Explained’.
There are a lot more electric cars, bikes, scooters and trucks in production, and on the road now than ever. But in order to make a big enough positive impact in the current climate crisis we still have a long way to go. We need clean electric vehicles now, more than ever. The impact of transport pollution on our health and the health of the planet is simply too great to ignore and we need to find an answer to the commuting problem.
Being a taxi driver offers many people a great opportunity to make a good living and work independently according to their own schedule. As a self-employed worker, you’ll have the flexibility in choosing what hours and days you wish to work. For this reason, there are thousands of professionals entering this industry every year.
For many individuals, this will be their main source of income, while others will carry out this work on a part-time basis during the evenings and weekends. Earnings are just one side of the coin, as expenses need to be equally considered. In the last 10 years, business costs such as fuel, tax, insurance and maintenance have steadily risen. Whilst most of these will be out of your control, one variable you can save money on is taxi insurance. Online comparison websites sites such as Utility Saving Expert have made it easier than ever to find the most competitive quote within minutes.
Insurance premiums have risen across all industries, and this is no different for the taxi industry. Fortunately, we’ve put together a number of practical tips you can use to get cheaper private hire insurance.
Buy taxi insurance cover that meets your requirements
Insurance companies will present you with all sorts of ‘special offers’ when you’re looking to renew your policy. While some of these can be helpful, often they’ll bundle in a number of optional extras that you simply don’t need and shouldn’t be paying extra for. Start by considering what level of cover you actually require and only include any extras that you feel are essential for your needs.
For example, breakdown cover may be included but you have already bought this elsewhere, some drivers even have this cover through their bank account.
Increase your excess
All taxi insurance policies will include a standard excess, in addition to this, providers will also include a voluntary excess. You will have the option of increasing your voluntary excess which could reduce your total premium. Please note that should you be involved in an accident and have to make a claim, you will be expected to pay this excess. So please choose an amount you feel comfortable with paying should this happen.
It’s beneficial to compare each voluntary excess level so see how much of a difference it makes to the total policy cost. This is because some insurers offer larger discounts than others if you were to change this.
Consider a telematics policy
A telematics insurance policy, often referred to as black box cover can help both newly qualified and existing professionals save money. In addition to cutting costs, this will also help taxi drivers improve their driving through encouraging a safety-first approach.
Essentially, a small device is fitted inside your cab and monitors your driving behaviour. Information collected includes things like what speed you’re driving, your cornering and even the time of day you’re on the road. This data is recorded and sent back to your insurer, if they can see that you’re responsible behind the wheel, you’ll be viewed as a lower risk driver and your premium may be reduced to reflect this.
Have a clean driving history
Being responsible on the road evidenced through a clean driving license can also help you get cheaper cover. If you’ve been driving for many years without breaking the law, insurers can see that you’re a low risk driver. This will mean that you’re less likely to make a claim as compared to those who have points on their license from speeding or any other forms of dangerous driving.
Did you know that many taxi insurance providers will be able to give you a discount simply for paying annually? Cover can be costly and it’s easier for most to pay through monthly instalments, however this method will result in extra charges. If you have the available funds, consider paying as a lump sum and you may be able to save over £100 each year.
Consider an eco-friendly vehicle
Electric or hybrid vehicles can potentially be cheaper to insure when compared to their petrol and diesel counterparts. This is because they will often have less powerful engines but still offer similar performance. A select number of insurers even go as far as offering EV drivers a small discount for going green. This discount could be appreciable when you consider that the average taxi insurance policy costs well over £1,500 per year.
Compare quotes through an online comparison site
So, you’ve received your renewal quote and it includes a substantial price hike. There’s a perfect solution to this: compare taxi insurance online through Utility Saving Expert to find a more competitive policy. It’s easy and takes less than 10 minutes to compare quotes from leading providers, saving you time and money.
After completing one short form, you’ll be shown a list of options to choose from, allowing you to filter by price and features.
Hopefully you’re able to take advantage of some or all of these 7 tips to get cheaper taxi insurance. Before buying, remember to read the terms and conditions, along with any policy exclusions and limitations that may also apply.
If your business is involved in the repairing, handling, or distribution of vehicles, it’s imperative you consider motor trade insurance. Insurance may prevent disastrous financial consequences in the case of car accidents and other issues involving your company. Unfortunately, many business owners and managers are unaware of the helpful options available to them. Hence, here’s everything you need to know about insurance options for motor trades.
What’s Best About Insurance for Motor Trades?
Motor trade cover is insurance specifically designed for businesses that deal with vehicles as a core function of their business model. The protection applies to a range of different businesses, such as car resellers and repair garages. These businesses are incredibly vulnerable should they face accidents and issues regarding the motor vehicles that they handle, especially considering most cars are worth at least a few thousand pounds. Motor trade policies cover a whole range of common scenarios faced by companies that deal with vehicles, providing peace of mind for all stakeholders.
Cover from Flooding, Fires, and Other Natural Occurrences
Natural occurrences such as flooding, hail, and forest fires are all included within most policies for motor trades. Many businesses that have their vehicle stock in open and vulnerable areas, such as car dealers, will face disastrous consequences during situations such as flooding if they don’t have insurance. It’s important to remember that it only takes one bad incident such as flooding to completely financially ruin a business that relies heavily on their vehicle stock. With this in mind, getting trade insurance that covers these natural disasters is imperative.
Cover from Employee Dishonesty
Consumer protection laws are expanding and becoming increasingly complex, larger motor vehicle businesses without coverage from employee fraud and dishonesty are incredibly vulnerable. Motor trade policies cover incidents where an employee has lied or committed fraud on behalf of the company. Situations such as a sales representative of the business using unethical tactics to trigger a sale can lead to legal action under legislation such as consumer protection laws. Without coverage in these scenarios, legal fees and other forms of compensation may quickly bankrupt a vehicle company.
Complete Vehicle Value Payouts for Claims
Motor trade policies are specifically designed with businesses in mind, meaning payouts for claims are different from policies for individuals. Generally, the payouts determined for vehicle insurance for individuals are much lower than those with trade insurance. Depending on the insurer, companies may agree on a very high benchmark regarding how to determine the lump sum payout for a claim. For example, an agreement that uses resale value instead of depreciated book value for claims involving vehicle assets is possible through these policies.
How to Choose the Right Motor Trade Insurance
There are plenty of reputable providers of motor trade policies, so it’s recommended that you shop around. Generally, you should focus on finding an insurer that has policies that have the highest synergy with your business model. Some plans are better suited to car resellers while others for repair garages. Now that you understand the importance of this kind of insurance, it’s essential you take the necessary time to find a policy that’s most beneficial for your business.
If you are going to drive for a living, you need to know what insurance you need. The work you do in your vehicle will impact the type of insurance you need to get. If you are going to work as a delivery driver, you need to consider courier insurance.
Who Needs Courier Insurance?
If you are transporting products or documents between a business and customer for payment, you need to have the best courier insurance. This is required regardless of the type of vehicle you drive. If you use your personal vehicle for this business, you need courier insurance.
Your personal insurance will not cover the use of your vehicle for business purposes. If you only have personal insurance and are stopped by the police during a delivery, you will be considered uninsured. This carries a fixed financial penalty of £300 and 6 points on your license. There is also a chance that your vehicle will be confiscated.
Additionally, if you need to claim against your insurance, you will have to prove you were not using the vehicle for business purposes. This can be hard to accomplish and could result in you having to pay out of pocket for any damage. Your personal insurance will also not cover the goods you are transporting.
Courier Or Haulage Insurance
When you look at courier cover, you will notice that many insurance companies offer haulage insurance. These two policies are different and the one you need will depend on the number of stops you make each day. If you are making multiple deliveries in a local area, courier cover is the best option. However, if you only make one or two big deliveries each day, you may want to look at haulage insurance.
What Does Courier Insurance Cover?
Knowing that you need courier insurance is important, but you need to know what it covers. There are three levels of insurance available and the one you choose depends on the coverage you want. The levels are similar to personal car insurance.
The best coverage comes with comprehensive insurance. This insurance level will cover all third-party costs as well as your vehicle and yourself. You will be able to claim the costs to repair your vehicle in the event of an accident.
Third-party fire and theft is the second-highest coverage level. As the name suggests, all third-party costs will be covered. You will also be able to claim if your vehicle is stolen or suffers fire damage. Other damage cannot be claimed.
The lowest coverage is third-party only. This insurance covers the cost of third-party damage, but not the damage to your vehicle. This will need to be paid out of pocket.
As part of your courier protection, you will need to get goods in transit cover. This will provide coverage for the products or documents you transport. Many courier policies will include this coverage, but you need to check this.
Courier insurance is a necessity for all new drivers. If you are caught using your vehicle for deliveries without this, you will be viewed as uninsured and face the penalties for this.
Car enthusiasts will be excited to know that the rumours mentioned here are most likely facts that are just waiting to be officially unveiled…
Ever listened in on a conversation between two car enthusiasts? You’ll hear many rumours about upcoming models of cars, the possible modifications, their implications and all that is related. Such rumours are often released by car brands themselves to ensure that the conversation around their work continues unabated.
Making comparisons with other brands in the same category, suggesting changes that can be disruptive, improving the luxury factor of a model and safety inclusions, all of these can be the source of constant chatter and keep enthusiasts in the loop of what is going on.
Everyone understands that not all the rumours translate into actuality. Nevertheless, here is a look at some rumours that have a lot going for them and show every sign of coming true… so sit down, buckle up, make sure your car insurance is valid, and plan your next car purchase.
Ford’s F-150 pickup truck to ditch a configuration
2021 will see a brand-new version of the world-wide bestselling popular off-roader F-150 pickup truck make an entry. But if rumours are to be believed, one of its two configurations has been laid to rest. The SuperCab is not going to feature anymore. This leaves just the SuperCrew four-door option. The basis of this rumour is from a leaked VIN decoding sheet which does not list a line item for the half-door SuperCab.
Europe and China – and not the USA—will get the new Volkswagen
There is a certain satisfaction in driving a low-riding car that packs some serious cargo hauling space. And that’s precisely what Volkswagen is cashing in on with their Arteon R and Arteon wagon models. The high-powered Arteon R has been making waves all over. It is rumoured to come with 404 HP from a 3.0 litre turbo-charged VR6 engine. However, both models are being targeted at markets in Europe and China. So for now, other markets will be disappointed knowing that the four door shooting brake style vehicle is not going to be touching their shores.
BMW X8 M is on its way
BMW’s X family is going to get a new addition and the world simply can’t wait to see it come through. Rumours of a high-end X8 have been making the rounds for ages now. This can be confirmed considering BMW has filed for a patent on the X8M with the German Patent and Trademark Office. The new X8 will be beauty and will be ultra-luxurious with four seats. It should be out by 2021. There are however, no spy shots to fall back on so for now, it’s a waiting game.
Tesla Cybertruck’s sales to reach a cool $1 million
When it comes to Tesla, you know Elon Musk will be up to something unimaginable and most likely working hard to make it come true. The Cybertruck is one of the most talked about models since its unveiling in November 2019. Pre-sales bookings have surged to 600,000, possibly egged on by $100 deposits. There is every chance that this number may hit one million. This is Tesla’s first product for passenger trucks and it immediately had people sitting up in attention for its tank-like design and armour-like glass. It is also said to come in single, dual and tri-motor wheel drive options.
Ford’s Mustang Shelby GT350 may have reached the end
Car enthusiasts all know that the two best models of sixth generation S550Mustang are the Shelby GT350 and GT500. But, the sad news is that only one of these is going to be around going forward. In all probability the Shelby GT350 and its track variant GT350R will be discontinued. All this is in Ford’s effort to cut down on its muscle cars. The reason for this – despite popularity, is that sales for the model have been seeing a downward trend and no real chances of picking up.
Nissan 400Z packs 400 horsepower and manual transmission
Don’t you love it when a new model comes up with some amazing additions to all your favourite features? Take the Nissan 400Z which will succeed the 370Z model. It is reported that this second-generation model will come with twin-turbo 3.0 litre V6 engine from Infiniti Q60. This means 400HP and 350 pound torque. You will go from 0-96 km/h in 4.5 seconds. The car will have a manual gearbox so all ye purists rejoice.
Heads up—Mercedes-Benz EQS BMW i7 is here
BMW is taking Electric Vehicles (EVs) very seriously and its 7-series flagship sedan will see an EV version called i7. The launch of the model was confirmed during a press conference in Munich. A broad understanding that was provided says that the car is will be to the 7 series what the iX3 to the iX series. It will not have the V8 and V12 power plants. The general growth of the EV market, alongside advancements in battery construction and lifespan, mean that EVs are becoming increasingly energy friendly, a sticking point for environmentalists historically.