How To Make Sure That You Have The Best Campervan Insurance For You

By Ian Douglas Spencer

If you are the proud owner of a campervan and are looking to renew your insurance policy or you are looking for a new policy for your new motor home, then you are about to start the journey to find insurance for your new vehicle. As like any other type of vehicle on the road, it is a legal requirement to have valid insurance at all times when it is on the road, else you will breaking the law without insurance.

One of the main things that you have to remember when buying insurance is that with the Internet, you literally have access to hundreds of companies and insurers waiting to offer you the best quote. Although using a broker can still be very beneficial, using comparison websites for things like motor or home insurance means that you can end up saving some decent money, especially if you can then go to your current insurer and explain what price you can get elsewhere.

Another common mistake is to not give the correct or most accurate details when asking for a campervan insurance quote, with just a slight error in model or location leaving the door open to a higher quote than you should be receiving. Make sure that all the details you provide to the insurance company are totally correct, which will mean that not only do you get the best price possible but that your insurance will also be valid as well.

It is important that even if you have received your renewal and you are pretty happy with it, you should still spend a few minutes on comparison sites just to see if you can end up saving a few pounds here and there by switching. Many of us get into the habit of just renewing and never looking around because we do not have the time, but with the Internet now more accessible, finding a new quote can be really simple.

You might also find that going directly to specialist or niche insurers can also save you money, because they will only be dealing with your type of insurance rather than handling many types of insurances and customers. Niche and specialist insurers are often able to offer solid cover, because this is all they deal with day after day, week after week, so they tend to know their industry inside out and can offer some excellent advice.

Ian owns and runs a wide range of insurance comparison sites, aimed at more of the niche and specific insurances.

The sites contain an easy to use quote form and lots of information about the relevant insurance.

Camper Van Insurance

Caravan Insurance - What To Do In The Event Of A Claim Plus Some Valuable Tips

By Michael Stammers

We all know that the biggest test of the quality of an insurance policy or insurer is when you need it most, and that is in the unfortunate event of a claim. Caravan insurance is no different and in the event of a claim you need to know that you are backed up by a professional service that treats you fairly, swiftly and correctly. It is important when purchasing caravan insurance to keep a copy of the documents and policy wording and to take this with you when travelling. These documents will provide a guide as to what to do in the event that something goes wrong, and the important numbers to contact.

With your insurance you will normally have purchased the cover through an insurance broker or through a direct insurer, this is important as this will affect who you need to call. With an insurance broker or intermediary you can either contact them as your agent, or in the majority of cases you will be passed directly to the insurer. This will mean that you get instant advice from the caravan insurance provider as to the best course of action and typically a claim form will be sent to you to complete. It is also general practice that you will need to provide 2 estimates for the repair of the caravan to show the costs are accurate.

It is typical that insurers will require notification of an incident within 30 days of occurring, or 7 days in the case of a riot or civil commotion, though it is always best to advise the insurer as soon as possible. After all, this will speed up the process and lead to a swifter conclusion which is what will make everyone happy.

Many worry that the claims form will be pages and pages long, but in reality many caravan insurers have a 2 or 3 page document, which only requests the essential information needed to process the claim and the details.

It is important to note that every insurer suggests that you can take all reasonable steps to prevent or reduce the risk of a loss. In other words if there are emergency essential repairs needed which will lessen the amount of the claim then you are able to carry these works out. Again this can only be seen as a positive for each party but it is best to keep any receipts for works carried out for the insurer records and your own.

One of the more common claims, particularly in the winter months is for damage to awnings, and it is vital to note that if you are not with your caravan you must take any awnings down. These items are very fragile and not meant to be used in stormy conditions, and there are no insurers that will offer cover in these circumstances (it is known as uninsurable as it is an avoidable situation).

The general advice that we would give is to check your policy documents very carefully and query anything that you are not clear on, it is best to ease your mind on these things.

There is much more that we could write about claims, but in real terms as mentioned at the beginning, the best caravan insurers put claims at the top of their agenda and show a real commitment to service, after all what are you paying for otherwise?

Want to get more expert advice on touring caravan insurance and static caravan insurance? Why not check out Caravan Insurance Gurus, where you get free advice plus some nice touring ideas.
http://www.caravan-insurance-gurus.co.uk/

Caravan Insurance - What To Do In The Event Of A Claim Plus Some Valuable Tips

By Michael Stammers

We all know that the biggest test of the quality of an insurance policy or insurer is when you need it most, and that is in the unfortunate event of a claim. Caravan insurance is no different and in the event of a claim you need to know that you are backed up by a professional service that treats you fairly, swiftly and correctly. It is important when purchasing caravan insurance to keep a copy of the documents and policy wording and to take this with you when travelling. These documents will provide a guide as to what to do in the event that something goes wrong, and the important numbers to contact.

With your insurance you will normally have purchased the cover through an insurance broker or through a direct insurer, this is important as this will affect who you need to call. With an insurance broker or intermediary you can either contact them as your agent, or in the majority of cases you will be passed directly to the insurer. This will mean that you get instant advice from the caravan insurance provider as to the best course of action and typically a claim form will be sent to you to complete. It is also general practice that you will need to provide 2 estimates for the repair of the caravan to show the costs are accurate.

It is typical that insurers will require notification of an incident within 30 days of occurring, or 7 days in the case of a riot or civil commotion, though it is always best to advise the insurer as soon as possible. After all, this will speed up the process and lead to a swifter conclusion which is what will make everyone happy.

Many worry that the claims form will be pages and pages long, but in reality many caravan insurers have a 2 or 3 page document, which only requests the essential information needed to process the claim and the details.

It is important to note that every insurer suggests that you can take all reasonable steps to prevent or reduce the risk of a loss. In other words if there are emergency essential repairs needed which will lessen the amount of the claim then you are able to carry these works out. Again this can only be seen as a positive for each party but it is best to keep any receipts for works carried out for the insurer records and your own.

One of the more common claims, particularly in the winter months is for damage to awnings, and it is vital to note that if you are not with your caravan you must take any awnings down. These items are very fragile and not meant to be used in stormy conditions, and there are no insurers that will offer cover in these circumstances (it is known as uninsurable as it is an avoidable situation).

The general advice that we would give is to check your policy documents very carefully and query anything that you are not clear on, it is best to ease your mind on these things.

There is much more that we could write about claims, but in real terms as mentioned at the beginning, the best caravan insurers put claims at the top of their agenda and show a real commitment to service, after all what are you paying for otherwise?

Want to get more expert advice on touring caravan insurance and static caravan insurance? Why not check out Caravan Insurance Gurus, where you get free advice plus some nice touring ideas.
http://www.caravan-insurance-gurus.co.uk/

Why You Need Insurance For Your Caravan

By Dave Healey

If you own a caravan, you will without doubt need a specialist caravan insurance policy to cover it, or risk losing what is probably the third largest asset and investment you posses, after a home and car.

Caravans are at risk from many perils not least fire and flood, but are also at risk from very different hazards depending on whether the caravan is of touring or static nature. Insurance policies for each type of caravan reflect these risks and each type offers a different underwriting proposition covering specific risks that a caravan might face.

Static caravans are often used as temporary buildings when housing alterations are being carried out, but more often as an investment on a holiday park near the sea. One doen't have to look back too far to remember the videos of the devastation caused to caravan parks around the country by extreme weather events such as storms and coastal flooding.

Images of static caravans being washed away and picked up by the wind and dropped elsewhere prevail enough in the mind of most caravan owners to say the risks to caravans are apparent enough!

Static caravans also present a different problem for a caravan insurance company from a theft and material damage view. These caravans are often left unattended for months on end and present a realistic opportunity for thieves. Static vans are also at risk of fire and total loss because they use propane or calor gas for heating, cooking and lighting.

Touring Caravans however need a different type of policy, the major difference being the 'road risks' cover. A standard motor policy will not contain cover for trailers over a certain length which always excludes caravans and so a caravan policy is required to enable you to take the caravan touring. This covers all risks the caravan might face whilst being towed, at home or and away from the property where it is normally kept.

Each type of caravan insurance policy allows discount for no claims years as would a motor policy, but also extensive cheaper cover if the caravan is fitted with the latest security devices and disabling equipment.

Caravan insurance is not expensive relative to other covers and the prices are held down by the fact that the pool of cover is largely more responsible older owners with good motor insurance claims histories and less of a propensity to claim.

Purchasing caravan insurance is a straight forward process and is available from many competing online insurance suppliers who will compare prices and covers from caravan insurance providers in a very short period of time. Quite often is just a matter of declaring your caravan and address details.

When buying caravan insurance online look out for cover from comparison sites and brokers that offers discounts if you are a member of an approved club such as the Caravan Club. Often these discountrs can be as much as twenty percent for affiliated caravan insurance schemes.

Shop around on the Internet to Compare Caravan Insurance Quotes. Search for your particular type of caravan policy. Caravan Insurance Comparison websites can save you a lot of time and money!

Getting the Right Insurance for Your Caravan

By Michael P Richards

When shopping for insurance, it is essential for you to take a number of factors into consideration. Failure to do so may mean that you do not acquire the right insurance for your caravan.

The primary consideration to make when buying insurance is the cost of the cover. In addition, you will need to understand precisely what you will receive in return for the price that you pay out. If you fail to select adequate insurance cover for your caravan, you could lose the money that you invest in your caravan in the event that it is stolen or accidentally destroyed in some way.

Your chosen caravan insurance policy should include replacement of old for new. It must cover all of the fixtures and fittings, furnishings and contents of the caravan. In the event that these parts of your caravan are stolen or destroyed, you should be presented with replacements at the current market cost of the items. This old for new coverage may only be available on caravans of a certain age. In order to decide whether your chosen caravan insurance policy provides you with adequate coverage, you will need to value the contents of your caravan, in addition to the caravan itself.

In the event that you damage a third party property or injure a person with your caravan, you will require liability insurance coverage. Liability insurance is also required when you rent your caravan to others and an individual is injured during their stay in the caravan.

The cost of caravan insurance policies varies greatly between the different insurance providers. Some caravan dealers offer caravan insurance to those purchasing a caravan from brand new. It is always advisable to compare the cost of caravan insurance online before selecting a caravan policy to purchase. A range of price comparison websites are available to you if you wish to compare the price of caravan insurance. However, you can also compare policy prices by contacting individual insurance companies directly by telephone. Some insurance companies do not advertise on price comparison websites. As such, these companies' policies may need to be investigated separately. Many caravan owners find that they are able to acquire cheap caravan insurance by taking out their insurance policy with an insurance provider that they have used to acquire other types of insurance coverage in the past.

Once you have made comparisons between various insurance quotes, you must pay attention to the small print of the policies. While this may seem like a chore, it is an essential task as this is the section that contains information regarding the exclusions and limitations of the policy. The small print is where the cost of the excess to be paid by yourself when you submit a claim will be detailed. Every caravan insurance provider, including caravan dealers, defines the minimum amount that must be paid out by yourself whenever you file an insurance claim. If you take out an insurance policy associated with a costly excess, you will benefit from reduced cost monthly insurance premiums.

Michael P Richards is writing on behalf of North Western Caravans, specialists in Caravan Dealers and Motorhomes for Sale

Getting the Right Insurance for Your Caravan

By Michael P Richards

When shopping for insurance, it is essential for you to take a number of factors into consideration. Failure to do so may mean that you do not acquire the right insurance for your caravan.

The primary consideration to make when buying insurance is the cost of the cover. In addition, you will need to understand precisely what you will receive in return for the price that you pay out. If you fail to select adequate insurance cover for your caravan, you could lose the money that you invest in your caravan in the event that it is stolen or accidentally destroyed in some way.

Your chosen caravan insurance policy should include replacement of old for new. It must cover all of the fixtures and fittings, furnishings and contents of the caravan. In the event that these parts of your caravan are stolen or destroyed, you should be presented with replacements at the current market cost of the items. This old for new coverage may only be available on caravans of a certain age. In order to decide whether your chosen caravan insurance policy provides you with adequate coverage, you will need to value the contents of your caravan, in addition to the caravan itself.

In the event that you damage a third party property or injure a person with your caravan, you will require liability insurance coverage. Liability insurance is also required when you rent your caravan to others and an individual is injured during their stay in the caravan.

The cost of caravan insurance policies varies greatly between the different insurance providers. Some caravan dealers offer caravan insurance to those purchasing a caravan from brand new. It is always advisable to compare the cost of caravan insurance online before selecting a caravan policy to purchase. A range of price comparison websites are available to you if you wish to compare the price of caravan insurance. However, you can also compare policy prices by contacting individual insurance companies directly by telephone. Some insurance companies do not advertise on price comparison websites. As such, these companies' policies may need to be investigated separately. Many caravan owners find that they are able to acquire cheap caravan insurance by taking out their insurance policy with an insurance provider that they have used to acquire other types of insurance coverage in the past.

Once you have made comparisons between various insurance quotes, you must pay attention to the small print of the policies. While this may seem like a chore, it is an essential task as this is the section that contains information regarding the exclusions and limitations of the policy. The small print is where the cost of the excess to be paid by yourself when you submit a claim will be detailed. Every caravan insurance provider, including caravan dealers, defines the minimum amount that must be paid out by yourself whenever you file an insurance claim. If you take out an insurance policy associated with a costly excess, you will benefit from reduced cost monthly insurance premiums.

Michael P Richards is writing on behalf of North Western Caravans, specialists in Caravan Dealers and Motorhomes for Sale

Caravan Insurance - Why Choose Legal Expenses Cover?

By Michael Stammers

One of the biggest gripes from customers about insurance is probably "well they add on all of those expensive add on products that you don't need" and this is particularly prevalent with motor insurance.

Those experienced caravanners who have caravan insurance, however, will know that there are very few additional covers that can be applied to caravans. The caravan insurance policies are normally "all in one" standard covers with standard protection for fire, lightning, earthquake, storm/flood, theft and attempted theft, accidental damage and malicious acts or vandalism with other covers that the levels vary between insurers.

One example of a caravan insurance add-on however is legal expenses. This type of cover has become very popular in the last few years as society has become more litigious and the suing culture is increasing rapidly.

The base cover under a touring caravan legal expenses policy is for an amount of cover (typically £50,000) and this provides the customer with legal costs to negotiate over the purchase or sale of a caravan and any nuisance or trespass relating to the caravan.

The legal expenses would also typically cover costs to pursue uninsured loss and personal injury claims arising from the use of a caravan against those responsible and contract claims against those providing defective goods or services in connection with the caravan.

Another key feature is legal costs to defend against criminal prosecutions arising from owning caravans and contract claims brought by a person to whom private goods have been sold.

There are always exclusions within policies and legal expenses are no different, there is always an exclusion on incidents arising before the contract of insurance began, as in if you have a pre existing problem this cannot be covered under this insurance.

Most sections of the policy will have limits, such as the amount in dispute must be at a certain level (e.g over £125) and an excess of typically £250 where the customer is liable.

As with all insurance policies it is best to advise the insurer as soon as you become aware that a claim may arise, and this is so that you can get the best possible advice, you are paying for it after all!

The touring caravan legal expenses is the ideal additional policy to add on to your caravan insurance and the cost is typically £10-£15, which is not a lot in comparison to the potential outlay in the event of a legal dispute. It is also important to include this cover as this may not be covered under other policies, as normally your legal expenses is to cover the specific item that you are insuring.

As mentioned above the number of caravan tourer legal expenses taken in the last few years has increased with the demand for legal action, we have all seen the adverts on the television asking if you have had an accident etc and so with this in mind the more protection you get the better!

Read more valuable information about touring caravan insurance and static caravan insurance at Caravan Insurance Gurus. This site also has some great articles on touring ideas for France, as well as the caravan sites in France.

Summer's Here - Are Your 'Toys' Protected?

By Pamela McCann

With the weather turning warm, people everywhere are breaking out their favorite summer "toys," including recreational vehicles (RVs), boats, motorcycles and all-terrain vehicles (ATVs).

Unfortunately, you can't assume that your part-time vehicles are properly insured under an existing auto and/or homeowners' insurance policy. And rather than simply tacking these substantial investments onto another policy, it's best to look into policies designed specifically for each.

RV Insurance

Insurance coverage for RVs such as travel trailers, motor homes, fifth wheels, and truck campers offer protection that ordinary auto insurance doesn't offer. Here are a few reasons to consider RV insurance in addition to your auto insurance policy:

• Roadside Assistance: Even if your auto policy covers some roadside expenses, it may not cover towing that big, heavy RV - leaving you to pay the bill.
• Financial Protection: Insurers that offer RV coverage often have claims representatives who know how to look for damage specific to RVs, including specialized RV parts like awnings, slide-out stairs and appliances.
• Personal Property Protection: Your "home away from home" probably houses things you wouldn't keep in your car such as camcorders, laptops and jewelry, which may not be covered under an auto policy.
• Protect Your Investment: RVs are expensive! It's best to carry "full replacement cost coverage" to ensure payment in full if the vehicle is irreparable, rather than reimbursement based on current market value.

Boat Insurance

Don't assume that your shiny new boat is covered under your homeowners' policy. A boat is, for all intents and purposes, a moving vehicle. As such, you need coverage similar to an auto policy, including protection for:

• Bodily injury that your boat inflicts on others.
• Property damage your boat inflicts on docks and other boats.
• Physical damage to your boat, should you hit something or run aground.

You'll also want to consider comprehensive coverage against theft, vandalism, fire and flooding; personal property coverage for fishing gear and other items; uninsured boater insurance (like uninsured motorist insurance) and even "boatside assistance" in case you need a tow.

Motorcycle Insurance

Motorcycle insurance is essential - and like car insurance, can vary in price depending on the type of bike you ride. In other words, insuring a high-performance sport bike usually costs more than covering a lower-powered bike, scooter or moped.

The components of a comprehensive motorcycle policy are also similar to auto coverage, including collision insurance (to cover damage to your bike resulting from an accident), comprehensive coverage, bodily injury liability coverage, property damage liability coverage, uninsured motorist insurance, and roadside assistance.

My name is Pamela McCann and I am COO of Alliance Insurance Group, an independent insurance agency in Golden, CO. Alliance helps protect you whether you're at work, home or play.

Call us today at (303) 279-9700 for a free insurance quote - we'd love to talk to you.

RV Insurance Coverage Made Easy

By Rachael Galiano

Congratulations... you are the proud owner of a new Motorhome or Travel Trailer! But where do you start when it comes to purchasing insurance? What types of coverage will you need?

The first thing to keep in mind is that RV insurance differs from a traditional auto insurance policy. The key to ensuring that you are adequately covered is knowing what is available and how it will benefit yourself and your family.

Aside from the standard Comprehensive, Collision, and Third-Party Liability coverage that you will always carry with any type of motorized vehicle, our RV policies will offer you the following coverage:

• Vacation Liability -Vacation Liability pays up to the specified limits for Bodily Injury and Property Damage for which you are legally responsible as a result of an incident that occurs while your RV is being used as a temporary vacation residence. We typically quote with a $10,000 limit, but you have the choice to purchase higher limits if desired.


• Full Timers Liability - Similar to the liability coverage you would carry on your homeowners policy, this coverage would be for Full Time RV users who use their units as a Primary Residence, 6 months or more out of the year. These limits would be higher, and typically will match your Bodily Injury/Property Damage limits. You would carry either Vacation Liability or Full Timer's Liability, never both.


• Emergency Expense - This is a great coverage to have in the event that you are unable to stay in your RV due to damage or loss. This coverage provides reimbursement for items such as lodging, transportation, etc.


• Personal Contents- Never make the mistake of forgetting about all of your valuable personal items inside your RV! Make sure you add on Personal Contents coverage to protect everything from your TVs and laptop computer to your cookware and bed linens!


• Medical Payments - This coverage protects you and the occupants of your RV. It is limited to the expenses of medical care only, and pays out regardless of who is at fault in an accident.


• Personal Injury Protection (PIP) - This coverage is an extension of Medical Payments, and applies to medical bills, lost wages, and loss of services incurred due to injuries sustained involving a motor vehicle. This would cover you whether you are a driver, passenger, or pedestrian.

Now that you have a better understanding of what is available, you also will want to learn about how your policy will pay out in the event of a loss. The options available to you will depend on the age of your unit.

• Total Loss Replacement Cost- This will replace your RV with a new unit if you suffer a loss within the first 5 model years. This is a great coverage to have, as the company replaces old with new. This is only available if you have a newer model, and the age requirements will vary according to the company that we are quoting with.


• Purchase Price Guarantee - If you have a total loss, the purchase price shown on the policy would be paid toward the purchase of another RV.


• Agreed or Stated Value - This will pay the dollar amount that you select, regardless of current market value.


• Actual Cash Value - This will pay the actual market value at the time of loss... this would be calculated as Replacement Cost minus the depreciation.

Anything else you're still unsure about? Call and speak to one of International Insurance Group's (IIG) knowledgeable agents who specialize in RV coverage. Since we quote you with several different companies, you're sure to always get the best price. To get a quote please complete ouronline application, then call to speak to one of our RV experts today at 877-784-6787

Florida FR44 Filing by a Motorcycle Insurance Policy Costs Far Less

By Clifford J Schimek

Different rules affecting motorcycle insurance in Florida are often overlooked by DUI drivers and insurance agents. First of all, this type of policy can be used to secure the FR44 filing with the Florida Bureau of Financial Responsibility. Furthermore, State mandated Personal Injury Protection (PIP) coverage is not required for vehicles with less than four wheels. These rulings greatly decrease the cost and make qualifying for a motorcycle policy easier. This is a practical and lower cost method to comply with a Florida FR44 filing and is often welcomed news for convicted drivers.

Florida No-Fault law regulates mandatory PIP insurance coverage for cars and trucks, while exempting motorcycles. These benefits extend to relatives and household residents, and are payable in a wide array of circumstances without regard to fault. Naturally, claims occur frequently, however, rampant fraud and abuse brings a torrent of illegitimate and overstated PIP claims. In response, companies require applicants of car and truck policies to disclose all residents and vehicles in their household for review. They are scrutinized for eligibility and rate calculation. A motorcycle insurance policy, being exempt, avoids the underwriting hassle and inflated expense of Florida No-Fault altogether.

The amount you pay for a motorcycle policy depends on the type of bike, your age, place of residence, driving history, credit history, and type of coverage. Many insurance companies assign surcharge points for DUI in the same way as with a major speed or at fault accident causing only a modest rate increase. The administrative cost to add a filing is just $15.00. However, Florida FR44 insurance requires elevated liability limits of 100/300/50 causing a big rate hike to anyone accustomed to maintaining the usual State minimum of 10/20/10. Motorcycles inflict less damage than cars or trucks in an accident and therefore liability coverage cost less for them. A motorcycle policy will decrease or eliminate any rate increase a driver would pay to elevate their liability on a car or truck policy.

When looking for motorcycle insurance you can easily get free quotes online or over the phone in just a few minutes. Talking to a licensed and experienced insurance agent or other qualified expert about coverage, tailored to you, is a good idea. You should only get quotes from insurance companies that are reputable, so check their rankings at organizations like A.M. Best and Standard and Poor. In order to complete a fair and thorough comparison secure three to five quotes and always give the same exact information to each company. Before choosing, contact the Florida Office of Insurance Regulation or the Florida Department of Financial Services to make sure the company is authorized and has limited complaints on file.

The elimination of PIP along with lower liability rates and easier qualifying makes a Florida motorcycle insurance policy a sensible choice for DUI drivers. Some companies will decline DUI applicants and others may cancel policies' of existing clients. On the other hand, there are many that compete vigorously for new policies with FR44 filings. A smart shopper can easily secure affordable Florida FR44 insurance, especially with a motorcycle policy.

Additional detailed Florida FR44 information, along with common questions and answers, for DUI drivers and insurance agents can be found athttp://floridafr44.com

Links to other articles and websites dedicated to Florida DUI insurance can be found at http://duiinsuranceflorida.com

Please visit these sites or call us 1-877-WIZ-AUTO (949-2886) to find out exactly what you need to know to reinstate and maintain your license with a low cost policy through Florida Auto Plus Insurance Agency.

Choosing the Right ATV Insurance

By Amanda Weil

For owners of ATVs, getting ATV insurance is the single most important thing you can do. While many people feel that an insurance policy for their ATV is unnecessary, it can save you money and offer you protection in many differing ways. ATV insurance is essential, even if you plan on keeping your ATV off road. Follow these tips for choosing the right ATV insurance.

An ATV coverage policy provides protection in the event of bodily injury occurring while riding the ATV. This, alone, is reason to have an insurance policy on your ATV. Injuries are pretty common on ATVs, as they can be dangerous. For this reason, you will want to be certain that you are protected in any case of injury. Once an injury occurs, medical costs can increase by the day. If not covered properly by insurance, you may wind up paying thousands of dollars out of pocket because of an ATV injury.

Another area of coverage in an ATV policy is property damage. If you have ever driven an ATV, you know how easy it is to lose control. Because of this, you could easily damage another person's property by running into a fence, wall, landscaping, a parked car, etc. It would be a relief to know that you had insurance to cover any damage inflicted by you to another person's property.

For those proud, attentive owners who keep their ATVs safe and snug under an ATV cover, insurance coverage is still a good idea. This is because you could have some sort of accident in which your ATV becomes damaged, or even totaled. Rather than having to use thousands of dollars to replace your ATV, it is much more sensible to pay the small amount required for an ATV coverage policy. Then, you will be able to enjoy your ATV worry free.

Most importantly, liability would be an imperative part of an ATV insurance policy. With liability coverage, any accidental damage done to another person while riding your ATV would be covered. This includes their medical bills due to the injury as well as other costs that could occur. These costs could include loss of wages, if the person is unable to work due to the injury, pain and suffering payment, along with their medical costs. Any costs as a result of the accident could be covered under this section of a policy. Liability insurance can be applied whether driving off-road or on the road.

Purchasing ATV insurance is only the first step in protecting your ATV. To protect your ATV from the elements, purchase an ATV cover from Beverly Bay.

The Types and Coverage of Motorcycle Insurance

By Tom A Bosh

If you own a motorcycle, securing a good insurance for you and your bike shouldn't be taken for granted. And take note, these are only a few of the many insurances that you can choose from. But let's start with the basics: there is third party insurance, classic and old vehicle insurance, and the comprehensive motorcycle insurance.

Third Party Insurance (property insurance) - This type of motorcycle insurance only covers the person or persons you have caused damage and their property or vehicle. It does not cover your insurance as well as your motorcycle.

If you are ACT registered, it is mandatory to provide third party insurance for people and property that you might damage while driving your bike.

Classic Insurance- Avail this type of insurance if you have a motorbike that is not less than a decade old. This is ideal for bike owners who only use their motorcycle occasionally like a hobby or club.

Comprehensive Insurance- A comprehensive insurance offers overall coverage for you. That includes covering the damage you might cause to other people's property or vehicle, and covering your bike insurance as well. You can also avail any of these insurance if you own a scooter.

Most of the time riders tend to have the comprehensive type of insurance. You can choose any amount of coverage you like. It all depends on your preferences and the money you can shell out for your protection.

Comprehensive insurance coverage

Most probably, the company where you got registered will pay the cost in relation to the accident. This includes but is not limited to; repairing properties and your own bike, offering you a payout based on the market value and the price you have agreed on for your motorcycle. It offers protective policy for other costs, it will also cover the expenses of replacing or repairing locks.

The liability that the comprehensive motorcycle insurance package offers will include a wide coverage for both you and the people involved in the accident. Included are the following:

• Cost of damages and payouts
• Legal costs
• Cost to your employer
• Wage lost
• Medical cost

Not only accidents, comprehensive plan cover other forms of property damage such as thefts, limited replacement of parts when it needs one, towing and even natural disasters.

The only drawback is that, most insurance companies will not honor your insurance if the accident or the damage happened outside of the country. They will not cover for mechanical failure as well.

Founded in 1985, the Tombros Insurance Agency is a full-service insurance agency offering Auto, Home and Business Insurance as well as financial products to families and businesses throughout the state of Florida.

Factors Determining the Cost of Motorcycle Insurance

By Miles Pratt

If you own a motorcycle, one of your biggest expenses related to the vehicle would be the insurance. Whether your vehicle is a scooter or a high-end sports bike, you need to get the best possible insurance policy, one which meets your requirements while offering the lowest possible premium.

If you are looking for motorcycle insurance, you would want maximum protection at minimum cost. Here are a number of factors which determine the cost of your insurance.

Personal Details

When it comes to insurance, age is the most commonly considered factor. Male riders under the age of 25 are generally considered most likely to file an insurance claim and hence attract larger premiums. Female and older riders are considered safer, and the premium is generally lower. The nature of your job might also play a part in determining the premium.

Residential Area

Where you live plays a huge role in determining your premium. Traditionally, people living in urban areas face a higher risk of theft and are more liable to getting their vehicle damaged as well. Therefore, people living in urban zones attract a higher premium than persons living in a rural area.

Type of bike

The vehicle that you own can greatly affect your premium. The insurance for an expensive bike will be more due to the higher costs involved in fixing or replacing a part. Same is the case for bikes which can achieve high speeds and older motorcycles for which finding parts may be difficult. If you have a classic bike, it would be advisable to choose an insurer who specializes in such products.

Other users

Adding an alternative rider for the bike could affect the overall cost of insurance. An experienced motorist would decrease your premium while adding a younger individual, like a teenager, would mean higher costs.

Usage of the bike

If you ride your bike often, there is a higher risk of you being involved in an accident. Motorcycles that are used for daily commute have significantly greater risk than one that is used occasionally. Moreover, if you live in an area with large amount of traffic, your insurance charges could be high.

Security measures

A bike is much more open than a car, and is in greater danger of being stolen as well. The mount of security measures implemented in your vehicle is very important. Installing an alarm, GPS tracking equipment etc. would considerably lower your rates. Parking your vehicle in a secure location would help as well. Some insurers might even recommend a specific anti-theft device to their customers.

Type of insurance

There are different types of insurance like third party, comprehensive, etc. which provides varying levels of coverage. The type of policy that you opt for is very important. Third party policies will be much cheaper than the ones which offer more complete coverage.

Each insurance company has its own way of calculating insurance premiums. Most companies look at these points along with other factors like your driving skills, number of bikes insured, etc. Always remember to consult all possible options before choosing an insurer for your motorcycle.

Victory Motorcycles Perth offers everything you need to get going on two wheels with a large selection of Bikes, Accessories, Parts and Clothing available in their brand new Perth store. They offer full service for your vehicle together with a range of spares and accessories. Visit their website victoryperth.com.au for more information.

Enjoy the Perks of Motorcycle Insurance Into Autumn

By Guy Strunk

It's been a hot summer! Too hot to enjoy a carefree afternoon on the open road with your motorcycle. As you prep your bike for cooler autumn rides, it's a good time to confirm that you're getting the most out of your motorcycle insurance to make sure your bike stays in roadworthy condition. Read over these tips to ensure your motorcycle coverage is riding in your favor:

• Verify that your coverage is current: Though it sounds obvious, it's a good practice to double check the expiration date of your policy before beginning a period of heavy riding. Be aware that some insurers have layaway periods during the changing seasons in which coverage might be restricted. If you like to ride in the cooler months, check with your insurer to see if your policy contains similar limitations.
• Keep your policy up-to-date: Inform your insurer of any changes such as additional riders, a change of address, or a new bike purchase. A quick call will take care of these instances.
• Cover custom parts and equipment: If you've installed chrome plating or given your bike a custom paint job, it's likely that the value of your motorcycle will increase. Be sure to add these upgrades to your policy to ensure complete coverage in the event of theft or a collision.
• Drop unnecessary coverage: Older bikes may not need as much coverage as you're currently paying for. It's recommended that you consider eliminating collision coverage if that premium equates to ten percent of your motorcycle's market value. In this case, it may be cheaper to pay for repairs out-of-pocket in the event of an accident than to continue paying the monthly collision premium.
• Raise your deductible: By raising your deductible to the maximum amount you can afford if filing a claim, your premiums will decrease and you can save money every month.
• Check for discounts: Call your independent insurance agent to ask if you are eligible for any discounts that may be available. Remember that prices can vary widely between companies. Your agent can shop around for you and review quote comparisons to ensure that you're getting the best deal.
• Motorcycle insurance specialization: Some insurers specialize in motorcycle insurance. These companies understand your particular needs and offer specialized coverage designed for motorcyclists and their bikes. Ask your independent agent if one of these insurers is a good match for you.

With the appropriate policy in place, you can rest assured that you and your bike are safe to enjoy those long autumn rides. Visit us at our website for a free quote on Oklahoma motorcycle insurance today!

Guy Strunk is Vice President of Alexander & Strunk, Inc specializing in commercial, personal and dental practice insurance in Oklahoma. Contact us today at (800) 375-8356 or online to get a free Oklahoma City motorcycle insurance quote.

Progressive Insurance Quotes for Bikes and RV's Are Improving

By Clifford J Schimek

There are changes from Progressive insurance company aimed at offering even more competitive rates for motorcycle and recreational vehicle policies. The Company's successful pricing strategy that promotes savings and flexibility for personal auto insurance will be utilized for bikes, boats and RV's. Naturally, exact details of how rate quotes are determined for any policy are a well-kept secret, but Progressive strives to offer competitive prices to all customers, no matter how they choose to purchase insurance. Recently when asked "Why now for motorcycles and recreational vehicles?" the response was "Progressive has always priced our policies based on our costs. Over the past several years, we've seen diverging loss costs across channels and our prices will now reflect those cost differences. Our objective is to sell the most accurately (competitively) priced boat, motorcycle and RV insurance when, where and how customers want to buy."

Progressive encourages consumers to purchase their products anyway they like. Progressive insurance quotes online, by telephone, or in person, either directly from the company or through an authorized Progressive agent, are easy to get. The smartest buyer, searching for the best value, will compare quotes from more than just one company and through more than just one distribution channel. People often think rates are automatically higher from an independent agent because of sales commissions, but this is simply not true. Customer service, marketing, and other tasks performed by the agent replace work done by company employees and this reduces cost. Progressive takes everything into consideration and prices accordingly, with no penalty for how, when, and where a consumer buys a policy and this keeps rates very competitive. Customer service and claims departments are the same for everyone.

Progressive is always inventing ways to keep prices low and enhance their customers' experience. Some of the more familiar ones utilized for personal auto policies, like snapshot, price check tool, and showing competitors' rates, are "cutting edge" and very consumer friendly. Vehicle enthusiasts may want to get a quote right now for insurance on their special "baby" and stay tuned for many more positive changes that are sure to come from Progressive. No doubt some changes will come with a lot of fanfare and advertising, and others will not. Keep in mind that Progressive authorized agents can be a valuable resource of information and may be able to quote you the lowest possible rate. Independent agents typically offer Progressive enthusiastically but also have the flexibility to quote, and place insurance with a variety of companies.

Company Direct or Authorized Progressive Agent; your way, your choice, always low rates and great service. Florida Auto Plus Insurance offers Progressive insurance quotes online at http://autoplusinsuranceauthorizedagent.comthrough the independent insurance agency distribution channel.

Lower your car, boat, bike, or RV insurance cost. We position your policy for the most preferred Florida insurance quotes by employing strategies that take advantage of every discount, every rate change, at every renewal.

Start today, don't delay: Call: 1-877-WIZ-AUTO (949-2886)

Why Should You Have Gap Insurance for Your Motorbike?

By Jackie Verdier

Purchasing Gap Insurance for your motorcycle could be one of the cleverest things that you ever buy. Not many people realise that motor insurance is not the be all and end all and if you love embracing the open roads on your motorcycle, you are exposed to accidents. Motorcycles are also unfortunately a lot easier than cars to steal and so they are constantly at risk from thieves. If you were ever in the unfortunate event of having your motorcycle written off or stolen, then your motor insurance would only ever grant you with the amount your motorcycle is worth on this day. Due to depreciation, which starts as soon as you drive your bike away from the showroom, this motor insurance valuation is likely to be a significant amount less than the amount you originally paid.

This is exactly where shortfall Insurance comes in for you and your motorcycle.

Depending on which type of Gap Insurance you opt for, you can either, along with your motor insurance valuation, clear any outstanding finance you may have on an agreement, protect the invoice price that you paid for your motorcycle, or gain the amount necessary to be able to purchase another motorcycle, the same standard, specification, mileage etc as yours originally was.

Finance Shortfall Insurance for your motorcycle?

This type of protection will quite simply pay the difference between your motor insurance valuation on the day your bike is written off or stolen and clear any outstanding finance you may have on an agreement. This leaves you in the same position as you were before you acquired your motorcycle. It would certainly not be ideal, after going through the ordeal of an accident or being the subject of vehicle theft, to then have to find money to repay a finance company, who legally are able to demand any outstanding payments within 28 days. This will leave you to walk away with no financial liability.

Return to Invoice Gap Insurance for your motorcycle?

Return to Invoice Gap cover, along with your motor insurance valuation, will return you back to the original invoice price that you paid for your bike. For example, if you paid £8,000, three years later your bike was stolen and was now worth £4,000, then Return to Invoice Gap Insurance would top up this valuation with the £4,000 necessary to take you back to the original invoice price. This leaves you able to clear any outstanding finance if necessary and able to look around for a new bike and focus on the more important things like gaining your confidence back.

Vehicle Replacement Gap Insurance for your motorcycle?

As you are more than likely aware, motorcycles are constantly changing and with your favourite manufacturer's constantly improving specifications to rival their competitors, it is almost a certainty that costs are going to increase. Therefore if your bike is stolen or is written off, just gaining your original invoice price back may not be enough for you to be able to purchase the same standard of motorcycle again. Vehicle Replacement Gap Insurance will top up your motor insurance valuation with the amount necessary to be able to purchase the same standard of vehicle again, same age, mileage etc, as yours originally was. You are now able to clear any outstanding finance if necessary and do with your funds what you see fit, whether that is to purchase the same motorcycle again, or something completely different altogether.

With some online providers offering prices up to 90 % less than main dealerships is worth taking the risk of not having Gap Insurance. Shortfall cover could literally save you thousands of pounds if the worst was to happen and can take the financial strain off your shoulders, so instead you are left with choices and not worrying about how you are going to repay your finance company, or purchase a new bike. Call today and speak to a professional and efficient adviser who can offer advise on the smallest query or help you with which Gap Insurance is right for you and your situation.

Jackie Verdier Sales Director at Aequitas Automotive Limited

Aequitas Automotive Limited's aim is simply to be fair and honest in all we do. No gimmicks, no fuss just fantastic service and real market leading prices via our two brands Shortfall Gap Insurance - Gap Insurance 1-2-3.

4 Common Mistakes in Choosing RV Insurance

By Sara Schweiger

An RV insurance policy is not quite different from other types of policies. The main difference is the array of uses, models, and liabilities that are specific to RVs. The different types of recreational vehicles from pop-up campers, toy haulers, and truck campers, can make choosing the right policy a bit confusing. In addition, the different activities, risks, and liabilities for owning this kind of vehicle could also make choosing a policy even more stressful. This article discusses the most common mistakes that owners make when buying RV insurance.

Mistake 1: Assuming that a car insurance is enough

As an RV owner, you need to understand that this automobile is more than just a big car. It is a specialized vehicle that needs a different kind of policy and coverage. For one, it needs a coverage that also accommodates the personal belongings stored inside it. The policy should also include discounts that reflect when and where you will drive the vehicle, as well as the services it needs. With that said, you need to make sure that the policy will have the right coverage suited for a specialized automobile.

Mistake 2: Choosing Insufficient RV Liability Insurance Coverage

Liability coverage protects you in case an unfortunate incident occurs, such as theft, vandalism, fire, which may damage your vehicle. Choosing insufficient liability coverage may result in huge financial losses, especially since medical expenses and loss wages can quickly exceed the limit of the coverage. For this reason, you need to choose one that reflects your financial situation. Avoid blindly following the state-required minimums.

Mistake 3: Buying The Policy With The Lowest Price

Although you are trying to save money, avoid buying the lowest price available. You need to understand that a reliable and specialized RV insurance is very important. You should compare the features and services on top of the prices.

Mistake 4: Ignoring Potential Discounts

There are a lot of things that can reduce your premium. The built-in premium savings and the discounts can help you in that area. Here are some of the discounts you may be eligible for:

• Combine coverage for insuring your RV and other automobiles on the same policy or carrier.
• Renting a storage unit which allows you to suspend the coverages you don't need when you're not using your RV.
• Installing safety and security features on your vehicle
• Having a safe and clean driving record.

To avail these discounts, you need to consult with an agent. Take advantage of these discounts to enjoy more savings.

This article is written by a finance and insurance blogger. Click here to learn more about RV insurance options.