two cars involved in accident

A Beginner’s Guide to Motor Trade Insurance

The essential thing to consider when getting any insurance cover is the matching of the risks you face and the protection you get. The same applies to auto insurance, which allows you to keep your head level, live peacefully, and know that someone else has your back for some risks that face your business. A few things are essential before you go on to get your cover. You must make sure that the selected policy is at least meaning these steps to guarantee you the safety of your investment and your business. Remember that you are entering into a commitment with the insurer that you want to keep as long as they maintain their end of the bargain, therefore start with a beginner’s guide to motor trade insurance which will save you money and time.

Seek a Broker

A broker is an intermediary between clients and the insurer. They act as sellers of insurers and advisors to clients on the best and most affordable coverage options to consider. Good sellers gives you the ability to compare cheap motor trade insurance quotes.  For instance, you can Save with Utility Saving Expert, an insurance comparison platform that gives customers the ability to compare different providers and get customized quotes. The broker’s experience also serves as an asset. It shaves off years of searching that you would subject yourself to as you seek the best deal. The broker is like a personal messenger in this case. The broker does the legwork on your behalf by going to many companies and seeking their best offers.

Be Specific in Your Cover

auto coverMost people imagine that they would be okay with just a small amount of cover to meet the most frequent risk events. Others want to go with the most extensive protection. However, the comprehensive insurance may not be the best for you because some risks are already under other policies that you or your business partners already enjoy. For instance, you might be renting a place that the owners already insure, and you only need to cater to the risk of the business and not the leased property. Covering what you need saves you monthly premiums and makes it easier for you to scout for the best offer from various brokers.

Use your History of Claims to Negotiate

Insurers and brokers like to driver high policy options because they also want to earn high interests. However, they will not let their greed cost them a customer. Thus, you might find it easier to ask directly for a specific amount of monthly payments going toward your policy cover. They will abandon their hefty fees and choose you, but your ability to do this will only depend on what you claimed in the past years. People who have few insurance claims will tend to qualify for low premium rates. Do not hesitate to try your negotiating luck if you know your claim history is useful.

Take Efforts to Reduce Risks

The risks facing your business might come from many things. Flood, fire, theft, and so on are some of the dangers. Try putting your business in a location that lowers these risks, and that will have a direct effect on reducing your payable premiums.

Keep Your Excesses High

The excesses are the monies you pay out of pocket in case of a catastrophe or occurrence of any other risk event. The excesses you declare in your cover directly affect the qualifiable premium to pay. The best tip is to cover what you need, then spend a little extra on your excess to ensure that the premium value stays low and within the affordable range.

A well maintained and performing car

Maintenance Tips That Will Keep Your Car at Its Prime Performance

No matter how luxurious and expensive a car is, even a sports car, it is still going to lose its best performance if you do not conduct a routine inspection and maintenance. The battery will wear out, and the engine parts will become prone to damage. Components that do not receive proper lubrication can get corroded and degraded.

And there are two types of auto maintenance: one that you can do independently and manually, and the other that needs professional assistance. Let us discuss them further below.

Manual Maintenance

1. Start Your Car Every Morning and Let It Warm

Car back lightStarting the car every day can give you the benefit of an early alert just in case your car’s battery starts to wear out. It can save you from the trouble of getting your car jammed in the middle of a trip.

Letting your car in a stationary position while the engine is on allows the oil to lubricate all of the engine parts properly. New cars that are made later than 2010 might not need this routine, but if you are a fan of old cars, it is a necessity.

2. Cleaning the Air Filters

There are two filters in every car: the engine air filter and cabin filter. An engine air filter halts damaging debris and dust from contaminating the car’s system. Your engine needs oxygen to burn the fuel, and what is in the air is not only oxygen. And that is where an engine air-filter plays a significant role.

Cabin filter, on the other hand, protects the driver and the passengers from harmful materials from the outside. It is responsible for keeping the air inside the cabin clean and breathable.

To clean them, you need to disassemble the necessary parts and begin brushing. Make sure you wear a mask because you do not want to get sick from the accumulated dust on the filter.

3. Flushing the Radiator

A car’s cooling system holds the key to the engine’s performance. If your engine is overheated, it can fail and burn. And once the engine is damaged, you will need a considerable amount of money to repair the car.

All you need is to buy a cooling liquid/coolant and replace the old one. First, make sure you know where the drain plug is. Place a liquid container and flush the old coolant from the car’s system. Make sure that your car is cool and has not been ignited in the past two hours. If you unplug the drain while the engine is hot, you can hurt yourself. The coolant absorbs and stores the heat from the engine, and its temperature can be much higher than boiling water.

Maintenance with Professional Assistance

1. Fuel-Injection System Maintenance

Modern cars abandon the function of carburetors and use fuel-injection technology instead. This system allows more fuel efficiency than the carburetor version. And it uses a computer chip to regulate the fuel distribution for the engine. However, maintaining a fuel-injector requires specialized technical skills.

Fuel Injector

Once you notice something is strange with your car’s performance, you should check the fuel-injection system, especially if your car has been running for more than 500,000 km.

Another symptom of a damaged fuel-injector is the abnormal gas use. When your car consumes gas more than it is supposed to be, you should check it to the nearest mechanic.

2. Exhaust and Emission Maintenance

Vehicle Exhaust PipeAlthough damage to a car’s exhaust is extremely rare, regular inspection is still necessary. By going to a professional mechanic and having him/her examine your car’s exhaust, subtle leaks can be easily detected. Carbon monoxide leakage is fatal to passengers, and the way to notice it is by conducting regular maintenance on the exhaust system.

Emission maintenance is a must for old cars. If you are a collector, you should know that the classic cars were made without a careful estimation of the emission.

Besides, exhaust and emission inspection these days are all computerized and precise. Improperly reassembled parts or human errors are least likely to happen because everything is calculated according to the machine.

Endnotes

Maintenance is vital to the engine’s longevity. And we can do some inspections and maintenance by ourselves, while for some others, we need professional assistance. Our rides are as valuable as our lives, especially if we claim ourselves as auto fans. So, there should be no reason for us to postpone or decline an inspection, repair, or replacement schedule.

Parked camping vehicles

Living in a Camper Vehicle: The Basics

Living a nomadic style in an RV (Recreational Vehicles) can be interesting. And if the idea has ever occurred to your mind, then this article is the right one for you. You can read this as a recreational reading or a prelude to more serious preparation.

First, you have to know that there are two types of RV: Campervan, and Camper truck. You can either rent them just for a short getaway or purchase one to live forever as a camper. And you can even modify commercial vehicles on your own.

Building a Camper Truck

Truck Camper InstalledIf you own a truck, you can either purchase a truck camper directly or build one on your own. Creating everything from scratch is, of course, unadvisable. It will take an unreasonable amount of time, and the result will be very vulnerable to errors. What you can do instead is to partner with a professional camper builder. Bahn Camper Works and Capri Camper are the examples of professional custom truck camper builders.

By working with a custom camper shop, you can ask for a personal request, such as extra bed bunks for the kids, a bathtub, or special contraptions for gaming or storing sports equipment. Although custom shops handcraft their works, the credible ones, such as the Bahn and Capri, use premium materials.

If you want to buy the mass-produced campers, here is a list of the top picks:

  • Earthcruiser GZL-400
  • Hellwig-Lance 650
  • Bundu Camp Short-Bed Pop-up
  • Hallmark Milner 6.5 Pop-up
  • The Lance 1172 Double Slide-Out Hard-Slide

The first two products are designed aerodynamically, while the others optimize space more than speed. It means that if you want more space in your camper, you have to sacrifice your truck’s speed on the highways.

Camper Van

Unlike camper trucks, of which the camper function as a detachable contraption, camper van requires a permanent interior modification. Here are three types of the van that can be converted into a moving house:

Conversion Vans

CampervanA conversion van has back seats for passengers, but those seats can be folded to be a king-size bed. This van is ideal if you do not want to include a cooking space or bathroom. And it is also difficult to imagine how the seats are going to stay. Even the simplest modifications, such as adding a wardrobe or some compartments, will need the back seats to be out of the vehicle.

But because a conversion van is designed to handle passengers, the suspension will be much better and smoother than a cargo van. And that is the only factor that you need to think of.

Cargo Vans

Like the conversion van, a cargo van is designed to contain heavy objects. But instead of a filled backspace, a cargo van has it blank and empty. You can directly load your belongings and think of building a kitchen and a bathroom without being bothered with the useless back seats.

Vanagon

A VanagonVolkswagen Vans have their own charisma. Vanagon owners are known for their solid brotherhood. So once you join the club by creating your own Vanagon, you should be ready with a warm welcome.

Possessing a Vanagon is like participating in a real nomadic community.

But owning a Vanagon comes at an extra price. Most Volkswagens are no longer in their good condition. And it has become harder to get the replacement parts each day. Also, regular maintenance is a must, unless you want your Vanagon to jam in the middle of the road.

Conclusion

To choose between the twos, you must consider your budget wisely. Bear in mind that some vehicles need permanent modification, which also means an expensive cost, while the others are just a detachable contraption.