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Posts Tagged ‘Motor insurance’

Don’t let a hose do a pressure washers job

Tuesday, August 31st, 2010

Living in a home with a driveway will probably mean pulling in and out of the driveway two or maybe three times each day. Trips to and from work, the supermarket or maybe even to the gym, and they all have an adverse affect on the surface.

If the home is a two car household the driveway will take a beating. Mud, sand, dirt from the road as well as oil and grease can easily be brought onto the driveway from the vehicles. The dirtier the roads, the worse a driveway can look. A hose could give the driveway a cleaner look, but there is a much better method of cleaning the driveway, and that is pressure washing. Before using any pressure washing equipment, remember to put safety first. Wear safety-toe non-slip sole rubber boots. Wear goggles to protect the eyes from the back blast from the water or dirt particles. Do not direct high velocity streams of water at anyone! Wear gloves and keep away from electrical devices such as lights and power outlets. It is also a good idea to avoid breathing in any vapours or mists while power washing.

Before starting remove all things from the driveway that will be in the way, and this includes the vehicles. It would be silly to have taken out any driver car insurance for protection, only to cause damage to the vehicle by hitting it with debris. Which is why looking around and picking up any debris, such as litter and kids toys is a good idea.

If there are any new amounts of oil and grease or even tyre marks, these should be treated first to make sure they are disposed of. This can be done by soaking them with sawdust. Any older grease and oil marks should be treated by a de-greaser. Then soak the whole driveway with cleaning solution for 10 minutes. Doing this will allow the grease to break up; it will also make the driveway look much better.

Turn on the power washer and start spraying the driveway in even strokes. There are cleaning solutions available which can be used on surfaces like concrete, asphalt, and cement; these will make the driveway look brighter. Another great tool for removing ground in grease is the turbo nozzle. The nozzle will direct the water onto the affected surface with a very high narrow stream which will allow easy removal of all dirt. Once the driveway has been pressure washed and cleaned, a good idea is to consider resealing the surface to protect it in future.

Tags: Advice, Car Insurance, Motor insurance
Posted in Car Insurance | No Comments »

GAP insurance sales grow

Wednesday, August 25th, 2010

With the motoring world anticipating the new 60 plate that will be on show with new registrations from September 1st. Motoring insurance companies will not only be anticipating a rush of motor insurance quotes for new cars, but also GAP insurance companies will expect a bonanza of business as well. However, how many people know what GAP insurance is?

GAP insurance, is a product now routinely offered to purchasers of brand new cars. Everyone knows that the value of a new car starts depreciating the minute it is driven out of a showroom. GAP insurance is intended to cover purchasers of new cars for any loss of revenue they may incur during the first four years of ownership.

For instance, if a vehicle is stolen from the owner when it is two years old and never recovered. The insurer of the vehicle will make a payment based on the value of the car the day it was stolen. This payment will certainly be far less than the sum the owner paid for the car in the first place, and in many circumstances can be less than the outstanding finance left on the car. Remember most cars are bought with either bank loans or manufacturer finance. In both cases there will almost certainly be several thousand pounds on finance above the value of the loan. An accident or theft can leave an innocent motorist thousands of pounds out of pocket.

GAP insurance is designed to pay the motorist the amount of money he actually spent in the showroom. There are two possibilities for the car owner to consider. He can take a policy out for the price of the car plus the interest on the loan or choose a return to invoice policy which means the policy will pay the actual value of the car when purchased.

There is no doubt that GAP insurance is getting more popular and more competitive. Dealers will always mention GAP insurance on new car purchases, but it does appear that it is worthwhile getting an independent quote as this can save a few pounds. Whichever way the owner goes, he can expect to pay a one off sum somewhere in the region of between £300- £600.

Tags: Car Insurance, Motor insurance
Posted in Car Insurance Cover Types, Cheap Car Insurance, Savings, selling a car | No Comments »

Five hundred million cars from one bright spark

Tuesday, August 17th, 2010

Long before there was any need for a motor insurance quote, people mostly got around by either riding a horse or walking. Then in the second half of the 19th Century two German engineers came along.

Wheels may well be over 5000 years old, but the cars we drive around in only made their debut in 1885. German engineer Karl Benz fastened a small petrol engine to a three wheeled cart and made the first, if somewhat primitive, petrol powered car. He was following in the footsteps of another German engineer, Nikolaus Otto. Otto had actually invented the petrol engine in the first place, about twenty years earlier. It shows what a stroke of genius Otto had when inventing the engine, because almost all car engines designed since have embraced his four stroke principle.

In layman’s terms, a car is a metal box which has wheels at the four corners that takes a person from A to B. In scientific terms, a car would be described as an energy converter i.e. a machine that releases the energy locked inside a fuel such as petrol or diesel and then turns it into mechanical energy which moves wheels and gears. When the wheels power the car, the mechanical energy then becomes kinetic energy. Cars are powered by fuels made from petroleum which is the thick, black, energy-rich liquid. Petroleum is buried deep under the ground and during the 20th century it was the world’s most important source of energy.

A car engine is built around a set of cylinders, there can be anything from two to twelve cylinders, but normally four, six, or eight can be found inside. The cylinders are made out of an extra strong metal and then sealed shut, but at one end they open and close much like a bicycle pump. Inside they have tight fitting pistons that slide up and down inside. At the top of each of the cylinders, there are two valves that can be opened and closed very quickly. The inlet valve will allow fuel and air to enter the cylinder from a carburettor, while the outlet valve allows the exhaust gases to escape. At the top of the cylinder, there is also a spark plug; this is an electrically controlled device that will make a spark which will set fire to the fuel. At the bottom of the cylinder, a piston is attached to an axle which is constantly turning; the axle is called a crankshaft. It is the crankshaft that powers the gearbox of the car which, in turn, drives the wheels.

There’s no doubt that Otto’s petrol engine was an invention of genius, but it is now a victim of its own success. We have over 500 million cars on the planet, the pollution produced by this many vehicles is a serious problem which is likely to get worse before it will get better. The carbon dioxide released when the fuel is burned is also a major cause of global warming. The solution could well be electric cars, as they get their energy from cleaner sources of power or even a hybrid car that will use a combination of electricity and gasoline power.

Tags: Car Insurance, Motor insurance
Posted in Car Insurance, Cheap Car Insurance | No Comments »

European cover should not be overlooked

Tuesday, August 10th, 2010

This summer, three out of every ten families will steer clear of busy airports and are choosing instead to drive to the Continent. But, with the average cost of a car breaking down being £1,000, it would be silly not to take out cover. A motor insurance quote will now offer European cover as an extra which gives the driver protection should the worst happen. It is important that the car’s insurance company are informed that the car will be in Europe; otherwise if the driver is involved in an accident, the policy could be invalidated. Having both car insurance and breakdown cover is a must for any driver.

Gavin Hill-Smith, spokesman at the AA, says: ‘European breakdown cover is an absolute must for trips to Europe. Breaking down in Britain is bad enough, what with the inconvenience, cost and danger of being stuck by the roadside. But breaking down on the Continent is doubly difficult if you have to describe a technical matter in a foreign language.”

A good European breakdown policy will give the policy holder an emergency number to call if they do break down. They will then deal directly with the garage and mechanic to make sure that the mechanical problems are sorted out as quickly as possible. Most European breakdown cover will be available at two levels, basic and comprehensive. The basic plan will cover trips of up to five days but will only include roadside repair or towing to the nearest garage. Where as comprehensive cover includes some money for any emergency repairs and financial assistance if any accommodation is needed while the vehicle is being fixed. This is vital if there are children in the vehicle. It will also provide a hire car if the vehicle will be out of action for a while, so the driver and any passengers can get to their holiday destination.

Mike Powell, insurance expert data analyst, warns that cheapest breakdown cover available is not always the best, saying “Policy terms and cover vary widely. Most providers offer different levels of cover so always read the small print. Check whether a policy offers emergency accommodation if you are a long way from your destination - it can prove invaluable.”

Tags: European travel, holiday cover, Motor insurance
Posted in Car Insurance, travel | No Comments »

Vehicles will become much lighter in the future

Friday, August 6th, 2010

Millions of people each year get a motor insurance quote, most will drive the vehicle everyday and have no idea about its weight, or that it has been getting heavier in recent years. Most of the weight on cars today comes from steel. Only a few years ago the average car contained 2,400 pounds of steel. Now, consider that most cars weigh around 3,000 pounds, that’s a lot of steel. In cars, it is steel that is used to create the underlying chassis underneath the body. This forms the skeleton of the car and will protect the driver and passengers in the event of a crash. Doors, roofs and even the body panels made during manufacturing on most cars today are made of steel. Steel is also used in a number of different areas throughout the vehicle. Even the exhaust will often be made from stainless steel.

The manufacturing of steel has evolved massively, enabling carmakers today to be able to use different types of steel for parts of the vehicle. However, it still remains a fact that in order for us to get better mileage and lower emissions in the future, vehicles will have to lose some weight.  That will not be easy with drivers demanding more creature comforts inside the vehicle. It would be a bad business move on the manufacturer’s part to stop offering the latest technology that make for a comfortable drive. Yet it is the technology that makes cars heavier.

One answer would be to make body parts out of lighter materials like carbon fibre-reinforced plastic, which is often abbreviated as CFRP. Like many other auto innovations, this one started out life in the racing world for a long time before seeing it in the consumer marketplace. CFRP works pretty much like fibre glass which sees the carbon fibre spun into long strands and then arranged into a weave for strength.  A plastic material (the polymer) is soaked into the carbon fibre around a mould. When the two harden, the result will be both strong and quite light (50% lighter than forming the part out of metal alloy). This is very expensive, and because of this it is still uncommon on vehicles that are mass produced.

Chevrolet already makes limited use of carbon fibre on some of its factory models. Lexus is using CFRP extensively on its LF-A to be released next year, and they say more carbon fibre cars will be released in the future. BMW have used carbon fibre for the roof of its M3 sports car, and they have plans to use it on a wider scale for its eco-friendly city car which is expected around 2015.

Tags: Cars, driving, Motor insurance, vehicle insurance
Posted in Car Insurance, Car Safety | No Comments »

The birth of the Beetle

Wednesday, July 21st, 2010

Anyone who has phoned up an insurance company to insure their Volkswagen Beetle may be blissfully unaware of how and when the Beetle was first thought of. And they may also have no idea which infamous leaders vision it was to have an affordable car. The VW Beetle Car was born in Germany and is produced by the company Volkswagen. Translated from German to English, Volkswagen simply means “People’s Car” The VW Beetle has outsold every sort of automobile that has ever been made. Its origins go back to the early 1930’s and its history grew as it continued to be produced. A Volkswagen Beetle called Herbie was a character that was featured in quite a few Disney motion pictures, starting with the 1968 feature film ‘The Love Bug’. Herbie had a mind of its own and was capable of driving itself, and was a serious contender in the racing competitions during the film. Before the 1930’s there had been quite a few attempts at selling simple cars that everyone could afford but none were successful. Almost all cars that were designed to be cheap enough for the average German to afford ended up costing more than the average worker earned in 12 months. Then along came Ferdinand Porsche who designed a prototype of the Beetle Car. It was basically a streamlined Sedan with an engine at the back so that the drive shaft could be shorter. The prototype was built by a motorbike producer called Zundapp and was test driven in 1932. It did not go into production because Zundapp decided it was financially better to keep making motorbikes as they were in still high demand.

Adolf Hitler had a vision of his fellow Germans being able to own a cheap car and also had plans to create a great network of roads to be called ‘autobahns’. Hitler invited Ferdinand Porsche to draw up a design for this people’s car, with the orders that the car had to be cheap, economical, fast, and have the capacity to accommodate two adults and three children. In January 1934, Ferdinand Porsche gave Adolf Hitler his proposal for the vehicle, and within six months work had begun. The German Auto Dealers Association funded some of the cost to help pay the bills. The car was designed to be as simple as possible, so that there was less that could go wrong. Much of the VW Beetle’s design was inspired by the advanced Tatra cars of Hans Ledwinka who sued VW, but the lawsuit had to be stopped when Germany invaded Czechoslovakia. However the matter was not forgotten and was in fact re-opened after the Second World War resulting in VW paying Tatra 3,000,000 DM (Deutsche Marks) in 1961. Porsche and Ledwinka knew each other personally, and were known to have exchanged ideas.

Volkswagens were first sold in the USA in 1949 and in its first year sold just two cars. When first on sale to the U.S. market, the VW was for a short period sold as a “Victory Wagon”. Volkswagen of America was formed in April 1955 and production of the Type 1 Volkswagen Beetle increased dramatically over the years and of course is still in production today.

Tags: Car Insurance, Germany, Motor insurance, Volkswagen
Posted in Car Insurance, Germany, Volkswagen | No Comments »

Selling your car

Tuesday, June 8th, 2010

Most people will at some point in their lives be in the situation of selling a car. Before you sell it there are a number of things you can do to make sure you get as good a price as possible for your old motor. It is relatively easy these days to find a website or even mobile phone text messaging service to find out the approximate value of the vehicle. This is worth doing if you are selling privately, negotiating with a used car showroom or if you are buying a new car from a manufacturer, knowing how much your car is worth will be a help if its being used as a trade-in

Give your car a good clean using cleaning products that give the car a good shine, and definitely consider spending a little cash on sprays that bring life back to plastic body parts and your tyres.  Remove all of your rubbish such as food papers, empty cans of soft drinks and cigarette packets and then give it a good vacuum either at home or at a petrol station. An Oil change does not cost too much and will look good when the buyer looks under the bonnet. When doing the oil change, check the brake fluid, and windscreen washer levels and fill if needed. They are only little things but could make a difference of a few hundred pounds when it comes to bartering, especially on a private sale.

When it comes to wording an advert, don’t try and save money by using abbreviations, a lot of buyers will not know what they mean, but if you have to use them, just stick to the most common one’s such as VGC, A/C, and try not to use phrases that are on every advert, like one careful lady owner. Do put whether
your car has a full service history, its colour, and number of owners, also list the car’s equipment, what features it has and most important its price. Do not forget to include a picture and your contact details.

When the advert is placed in newspapers and magazines or even shop windows, the people interested will soon by phoning you to come and look at the car. It a sad fact but thieves will pose as buyers, so never let the buyer go on a test drive on his/her own and don’t leave the buyer alone with the keys in the ignition. You can ask the prospective buyer for some form of identity and ensure they have adequate insurance cover before you allow them to test drive the car; they won’t have been included in your motor insurance quote so you don’t want to be left with a bill to pay for any damage. If you are paid in cash, it’s always best to get it put into your bank as soon as possible just in case you are paid with fake notes.

Tags: car selling advice, Motor insurance
Posted in Car Insurance, selling a car | No Comments »

BMW - the perfect mid-range manufacturer?

Tuesday, May 18th, 2010

When I first passed my driving test I had very little money but a burning desire to get mobile , so I invested extremely unwisely in a Morris Marina of dubious legacy, and even more dubious reliability. This affair, as you may guess did not last long - the only good news being that when I did write it off I escaped unharmed.

There followed a sad succession of awful cars most of which bit the dust in one way or another  but at least the wrecks  that I could afford to  buy  were getting slightly  newer, and thus less prone to massively expensive repair bills. They also had features like working brakes(!), and silent exhausts.

Finally into my thirties I at last had an income with a modicum of disposability and I was in the market for a decent car and my heart was set on a BMW. After ages searching the press and trawling round local garages, these being the days before the internet could show hundreds of models at the touch of a button, I found a 3 series just 2 years old  in immaculate condition  with automatic transmission and  just within my price range.

It was love at first sight and for the first time in my life (apart from the occasional drive of someone else’s decent motor). I was driving something quiet, comfortable and reliable and I relished every moment. This was a car that did everything it promised and did it in style. At that period I was travelling a lot for work and as a motorway cruiser it is still the best car I have ever driven, we also drove it to the French Alps for a ski holiday after taking out any driver car insurance and even after completing a journey that included travelling through the night it still felt comfortable to be in.

The only drawback as I’m sure any BMW owner will confirm were the high motor insurance and  servicing costs - especially as at that time only authorised dealers could reset the annoying service warning indicators,  and other relatively minor jobs like cam belts required a special tool that, you guessed it, only the dealers had. Sadly then at around 120,000 miles the financial pains were starting to outweigh the pleasures so we had to part company. I was delighted and also a little saddened to be overtaken on the motorway a few years later by my old Beemer still looking good and obviously living up to the reputation of , in my opinion, the best car manufacturer in the world.

It’s just sad that I can’t afford another one

Tags: BMW, Cars, Motor insurance
Posted in BMW, Car Insurance, Car Types | No Comments »

How to be a bright spark

Tuesday, May 18th, 2010

When you first think about getting a car, you will need to get a motor insurance quote. Will it be fully comprehensive? Third party, fire and theft? Or even any driver car insurance. Something you probably will not think about but may need doing in the future is changing/cleaning your spark plugs. Replacing the spark plugs on a car used to be a regular part of overall car care maintenance. It would be quite normal to see a man with his head under the bonnet of the car on a Sunday morning, hands, arms and face covered in grease and dirt carrying out basic car maintenance. Not so long ago cars would need to get a tune-up around every 30,000 miles. And the list of things needing doing would include spark plug replacement.

In 2010 cars are made to go longer, though not a lifetime, without a tune-up. And now we have the luxury of complicated on-board computers and diagnostic equipment to tell us something is wrong. Not everybody has this luxury yet and some will still need to change the spark plugs. Checking or even changing your spark plugs is an easy and quick job. Just by giving the spark plugs  a clean or changing them can help improve the performance of your car and also  and economy of the car. It will only take 20 minutes to do this small job and it can also save you money at the petrol pumps, it can also reduce your carbon emissions.

Not many tools are needed for this small job. A spark plug socket, ratchet wrench, spark plug gap gauge and a feeler gauge.

Open the bonnet of the car and remove whatever parts necessary in order to get at the spark plugs and HT leads. Identify the leads and disconnect them from the spark plugs by pulling on the connector, but not on the lead. Blow away or brush away any dirt from around the spark plugs. A wire brush was always used but now it’s recommended not to do this as it can cause more damage to the plug. Next unscrew them with the socket and remove them. Take a good look at the end of each plug. It should be a light brown or grey colour. A spark plug which is black, sooty, or oily, may be a warning of a problem developing. Use the feeler blades to check the electrode gap of the new plugs (see your car manufacturer manual to find out what the gap should be). If necessary you should adjust them by carefully bending the side electrode. Spark plugs don’t always have an adjustable gap; if this is the case you can skip this. Next you should put a smear of grease on the threads of each new plug and screw them back into their holes. Use a length of flexible hose to start them off - if you get a spark-plug cross-threaded, the hose will slip before you cause any damage.

Final tightening of the spark plugs should be done using a wrench, otherwise there’s a risk of doing them up either too lose or too tight. Reconnect the HT leads and you are ready to start the engine. If it won’t start, it’s likely you’ve connected the HT leads in the wrong order. So just replace them in the correct order.

Tags: Motor insurance, spark plug
Posted in Car Insurance | No Comments »

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