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.

Mountain Biking Clothes – Riding In Style

Clothes make the man, and the woman, and the mountain biker. Looking good on the trails is almost as great a concern among mountain bikes enthusiasts as having the best biking and safety equipment they can possibly afford. Mountain biking clothing, in fact, can take a significant chunk out of a biker's budget; having new designer biking togs to show off at the next big group trail ride is almost as much fun as being on the ride itself.

The mountain biking clothes which correlate to Ralph Lauren Weekend in main fashion are those of Zoic. Zoic combines color, innovative design, and unparallel craftsmanship in mountain cycling clothing lines for men, women, and children of every level of mountain cycling skill. They have comfortable shirts and shorts to appeal to all.

Zoic Mountain Biking Apparel

The Zoic Libertee Shirt for Men is extremely popular both for its comfort and the quality of its construction. The design of the Libertee sends a clear signal that its wearer knows great mountain cycling clothing when he sees it.

Zoic's El Diablo Jersey is a men's shirt constructed from fabric ideal for long distance tiding. Its cutting-edge design separates it from traditional mountain biking shirts, with an easy zipping mechanism to provide extra comfort while maintaining the high fashion look which has made Zoic mountain biking clothes [http://www.mountainbikingreviews.com/Freeride_Mountain_Biking/] the leaders among the sport's enthusiasts.

The Zoic Epoch Short is a men's short with a twin zipper to supply comfort with extra support and ventilation.

The Zoic Ether Short for Men, a highest quality nylon short, allows its wearers maximum freedom to move and, therefore, maximum comfort. It offers the convenience of side pockets in which the biker can stow all his biking accessories

The Zoic Crosswind Sleeveless Shirt is a piece of mountain cycling clothing that allows women mountain bikers to emphasize their femininity and remain cool by going sleeveless as they ride.

Finally, the Zoic Bellis for Women is the perfect mountain clothing for women who are competitive mountain bikers. It's constructed of a jersey fabric which offers both the comfortable functionality and good looks that make its wearers feel good init and good about themselves for wearing it!

What Every Man Should Know About Online Fashion Shopping

Online fashion shopping is growing in popularity because of its ease and convenience. The greatest thing about it is you do not have to leave the comfort of your home. You can browse through selections and purchase items just by clicking on buttons. In some cases, online retailers carry more items than actual outlets. These are just a few reasons why more consumers are shifting to this alternative.

You will find many retailers offering different kinds of clothes. Although this is the case, not all provide consumers with quality goods. Be aware of this while you shop for items to add to your collection. Here are a few tips to keep in mind before you shop. Look for these the next time you shop for mens clothing online.

Fresh looks and extensive collections

Do your shopping with retailers offering the latest trends. The world of fashion is constantly changing and only a few can keep up. Keep yourself updated about what’s in style and what’s not, and apply this knowledge when shopping. Buy from retailers featuring the latest seasonal collections to ensure your wardrobe is up to date.

The complete look – pants, shirts, and the right accessories

Do not waste your time on places selling only tops or the opposite. This will make it difficult for you to mix and match pieces. Online shops offering the whole package make it easier for you to determine which pieces go well with which. It is best to go with those offering you a one-stop shopping trip.

Reasonable prices

Men’s clothing may be more expensive than women’s most of the time, but this does not mean you should buy the first thing you find. Make sure you get value for your money. You can spend a little more on a clothing staple such as a classic shirt. You can use this for many occasions, and getting a product that will last a long time is worth the extra bucks. Look for bargains if you want to buy statement and signature pieces.

Expect to spend a little more for things like suits. This is the most elegant piece you will have in your wardrobe and it is important you select carefully. Quality is important. It should have the right cut and colour, and be made of the right fabric as well.

Style recommendations

The truth is that only a select few men know how to dress themselves – and dress well, at that. One handy tool to look out for is style suggestions. This is where they feature a particular look on a model and list down the items completing the ensemble. For pieces not parts of a ‘complete look,’ seek ideas and suggestions of what to buy it with. This tool will come in handy for those who have difficulty mixing and matching different items. Professional stylists put these looks together and buying the total package will ensure you look your best.

Detailed sizing charts

The biggest downside of online fashion shopping is not being able to try on the clothes before purchasing. Detailed sizing charts are the solution to this problem. This important tool will help you figure out which fits suit your body type. It will make shopping for mens clothing online a more pleasant and fulfilling experience.

Getting Digital Photography Jobs

You have been a photography enthusiast for quite a while now. You can do a good job of creating nice digital photography. You know many tricks and techniques about photography. You know and understand your camera as if it is an extension of you. You can create photo works that grab peoples' attention. People say that you are good at photography.

Perhaps, it is time to make some money from your competency in photography. It is time to get some nice digital photography jobs.

Can we generate an income from this fantastic but expensive hobby of photography? Yes, it is absolutely possible. We will need to find digital photography jobs.

There are several areas that require constant digital photography jobs. These areas are:

1. Weddings. A wedding is not complete without a photographer. This is one area that digital photography jobs are alway in demand. Photographers are required for studio shots as well as outdoor shots. These photos will usually be binded into the wedding album. But more importantly, a photographer is need to capture the memories of the wedding itself.

2. Stock photographs. The demand for stock photographs is huge. This is a constant need for fresh and new stock images. You can sell your photographic works with stock photograph vendors. There are many that are on the internet. They give you a commission for each photo sold. The demand for digital photography jobs in this field will never fade away. This is because advertisements alway require new and relevant photo images.

Well, these are just two ways of making money using photography. The process actually entails a lot of self-promotional effort. These promotional effort are what that help to convert your skill into many digital photography jobs.