FAQs About Motorcycle Insurance

Motorcycle insurance is one of the biggest costs involved in riding your motorcycle. Whether your ride is a scooter or a sports bike it’s best to get the best value insurance policy that covers everything you need.

What determines the cost of motorcycle insurance

Your personal details

In the insurance business, age is a common determinant for risk. Male riders under 25 are considered the most likely to file claim, whereas female and older riders are more likely to receive lower premiums. Occupation may also come into play in factoring premiums, depending on whether the coverage compensates you for time missed at work.

Where you live

A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.

The type of bike you own

The type of bike you own can greatly affect your insurance premium. Naturally, a more expensive bike will cost an insurer more to fix or replace. Motorbikes with better engines and faster speeds will represent a greater risk for collision as well as damage caused by an accident.

Older model bikes may require more maintenance and difficulty securing repair parts. For motorbikes older than 20 years, it would be wise to seek an insurer that specialises in classic bikes and cars.

Who else will be riding the bike

Adding another rider to the policy will affect the overall cost. Adding an experienced motorist will generally lower your premium. Conversely, adding a younger individual may escalate costs.

As each insurance company weighs these factors differently, you will find fluctuations in the prices you are quoted. Cheaper rates most likely find your situation more amenable to their particular risk formula.

Usage of the bike

The more often you ride your bike, the more likely you will be involved in an accident. Moreover, bikes that are used for commuting represent a greater risk than those ridden for pleasure, due to the difference in traffic. Residents living in high traffic postcodes may also experience higher insurance costs.

Storage and security measures

Theft represents another concern for insurance companies when calculating premiums. Alarms or anti-theft devices such as an immobiliser, bike lock, or ground anchor can mitigate this risk. In some cases, an insurer might recommend a specific brand or anti-theft device to their consumers.

Parking your bike in a garage can further alleviate theft concerns. Insurance companies will also factor in the crime rate in your postcode before settling on a quote.

Previous claims or convictions

Riders who have made previous claims or suffered motoring convictions present a greater risk to insurers. If you fall into one of these categories, it may be best to seek a company that specialises in insuring convicted riders

Your excess

The excess is the amount of any claim that your insurer will expect you to cover. For example, your riding your bike and you have an accident your bike now needs repairs worth £1000 and your excess is £100, you’ll have to pay £100 and your insurer will pay the remainder.

The more cost you are willing to absorb, the lower your premium. Having a high excess is ideal for riders who travel infrequently or on less busy roads. Those who commute daily may want a lower excess in order to file a claim for minor accidents. This, in turn, will elevate the cost of insurance.

No Claims Discount

Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you’ll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.

Advanced driving skills

By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums. Two key variables NOT within the policyholder’s control

Consolidating policies

By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a ‘bulk buy’ discount.

One final piece of advice

A large percentage of insurance is now sold on the Internet. That’s because it’s convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.

Level of cover

Third party

This covers the policy holder against damage to a third party’s property or to the third party themselves. Third party only bike insurance cover is usually a cheap motorcycle insurance policy compared to Third Party Fire and Theft or Comprehensive motorcycle insurance.

For example, if you have an accident with another vehicle and it is your fault then the Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of the other vehicle and your pillion rider. A Third Party Only bike insurance policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured. In addition, if your vehicle is stolen or is set on fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.

Third Party Fire & Theft

This is exactly the same as the Third Party Only motorcycle insurance policy, set out above, however a Third Party Fire and Theft UK motorcycle policy will pay out in the event that your vehicle is stolen or is set on fire.

Fully Comprehensive

A Fully comprehensive UK motorcycle insurance policy will pay-out for third party damages and injuries, will pay-out in the event of your vehicle being stolen or set on fire, and will also pay for any damage to your own motorcycle regardless of whose fault the accident was.

Discover How To Boost Trade With E-Commerce Business 2011 Trends

The e-commerce business 2011 trends have moved on significantly from last year. As technology and consumer habits are constantly evolving, the trends also change. If you want to ensure that your business stays ahead of the competition, and goes from strength to strength, it is important to keep up to date with the latest marketing concepts. Although the internet is still at the forefront of advertising in terms of e-commerce, there are new tools, or changes to old tools, that you should be aware of.

More institutions and businesses now take advantage of Twitter. Although the service has been around for a couple of years, it is only in the last twelve months then it has become a must have tool in the arsenal of online marketers. No matter what service or product you offer through your website, Twitter should form an important component of your advertising campaign, it is a simple way to reach out to a massive audience.

Social media continues to be a very useful concept. If you were to integrate certain applications into your portal, you can keep your potential market informed of the latest events. This year, social media is playing a much more important role in the strategies of online marketing campaigns. What's more, social networking is an extremely low-cost activity, this is appealing to both established firms and new startups. You can boost turnover while keeping the advertising budget low.

In these times of a weak economy, more consumers think carefully about price. You can use social media to highlight how affordable your services or products are, and make changes to stay competitive through the year.

Your e-commerce business should make full use of video to reach out to the public. It can now be said that the majority of homes in the country have access to fast broadband connections. Those portals on which videos can be hosted continue to draw in millions of viewers each day. You can use this trend to capture new customers, although you will need to ensure that you upload videos that are informative, interesting, and fun.

It is fundamental to stay on top of the latest search engine optimization (SEO) concepts and techniques. This is a topic that is constantly evolving; the algorithms used by the search engines are not the same today as they were this time last year. If you have not updated your keywords and other dynamics there is every chance your pages would've dropped in ranking over time.

Email marketing still has a place in today's world of e-commerce, but sending out mundane monotonous emails is of no use today. You need to create personalized emails that are more likely to generate an interest in the minds of potential customers. Consider what terminology and images can help to arouse curiosity.

To be successful in e-commerce business today requires a broad understanding of the habits and trends of the market. Social media and personal approaches are the best way of ensuring continuous profit in the months ahead.

Cheap Nintendo Wii Accessories

One can maximize the use of Nintendo Wii with a few more must-have accessories. These Nintendo Wii accessories add to the fun and experience of Wii gaming. They can even be perfect gifts for someone who already owns Nintendo Wii.

There are many sites listing the must have Nintendo Wii accessories. There are many online forums as well, that discuss them in detail. You will find many sharing their incredible experience while some may point out the faults. Do read them for knowledge as they also give you an idea as to what should be expected. Most of these sites have their own set of top accessories for Nintendo Wii, though a few common and the popular ones are the extra controllers, rechargeable batteries, game cube controllers, game cube memory cards, Wii points, SD card and the component video adapter .

The extra controller facilitates one to play head to head Wii sports games such as tennis or boxing. The extra controllers are the Wiimote and the Nunchuck. The combined cost of both of them would be around sixty dollars. The Wii supports four, but even one extra controller is just as much fun. Rechargeable batteries are a must for the avid gamers. If Nunchuck is left attached to the consoles, the battery drains out at a lightening speed. The rechargeable battery is one of the practical and cost saving Nintendo Wii accessories. Other attractive Wii games and accessories include the Nintendo wave bird. It is priced at only thirty five dollars and you can go wireless too. Game cube controller is also a well-liked accessory that works with the "virtual console". One does not need to buy the classic controller in this case. This is also nominally priced at twenty five dollars only.

There are some more bought after cheap Nintendo Wii accessories as well. A dollar twenty five game cube memory card will help you to save your games. If your Wii's memory is almost full with the virtual games do not worry. Just buy a SD card and expand your memory. These moderately spacious cards are available for thirty dollars.

All of the above accessories for the Nintendo Wii are readily available on console's online store. One may even get them on certain online retail outlets or in a console store near you.

The future-game freaks who love the Wii by now exactly know where to invest for added fun and excitement. The young, I am sure, will use the pocket money to buy these accessories while the adults can save for the astonishing Nintendo Wii accessories.

Six Bridesmaid Gift Basket Ideas to Make Yourself

Creating individual bridesmaid gift baskets is a surefire way to make sure each bridesmaid receives a very personalized gift. Each basket can be different depending on their interests, but stay within the same budget for each one. The art of making a great gift basket is to include items that stay within a theme.

Here are six bridesmaid gift basket themes that you can easily put together
yourself:

  • Ahh the Spa Bridesmaid Gift Basket – For the pampered friend, include spotted soaps, lotions, candles, facial masks, foot scrub, massage oil and maybe even slippers or a bathrobe.
  • Food & Wine Bridesmaid Gift Basket – For the gourmand friend, choose red or white wines, imported cheeses, crackers, cheese knife, wine charms and a wine bottle opener.
  • Dinner & Movie Bridesmaid Gift Basket – For the home friend friend, include a DVD (comedy, drama, etc., you know what she'd like), microwave popcorn, a bottle of soda and an assortment of candy.
  • Sweet Snacks Bridesmaid Gift Basket – For the sweet tooth, include hard candy, a box of chocolates, gum, mints, homemade cookies and a silly mug with hot cocoa mix.
  • Party Girl Bridesmaid Gift Basket – For the wild child, include bottles of hard liquor, plumping lip gloss, thong underwear, aspirin (for the next day hangover) and some condoms.
  • The Hobbyist Bridesmaid Gift Basket – This one is perfect if your bridesmaid has a hobby, just work within the theme of her hobby. For the gardener, include seeds, garden tools and a decorative ceramic pot. For the artist, include a sketchbook, colored pencils or pastels and an art book for inspiration. For the chef, include a cookbook, a spatula and some assorted spices.

To assemble the baskets, you simply place the items in baskets with some colorful
tissue paper or shredded paper and add a gift tag or card. The entire basket can be
wrapped up in cellophane or left plain with a few ribbons tied to the handle.

You do not need to use the same exact basket container for each bridesmaid. If you
They are on a tight budget, look for baskets at thrift stores and mix and match. If you
time it just right, baskets can be purchased on clearance after Easter. Other
containers such as colorful gift bags, small bathroom garbage cans, decorative
boxes, tins and tote bags will all work nicely to hold your gift items.

Have fun coming up with bridesmaid gift basket themes!

Visit http://www.do-it-yourself-weddings.com/bridesmaid-gifts.html for more
unique, do it yourself bridesmaid gift ideas.