August 31st, 2008 by The Rider

What You Need to Know About Scooter Insurance

Scooters, also known as mopeds, are becoming an increasing mode of transportation. They are economical for people living in densely populated communities, university and college students. In some parts of the world, like in Asian communities, scooters are used more than cars. Scooters consume little fuel, if any, take up literally very little space, and are inexpensive to insure. And insuring your scooter is what this article is about.

Scooters Are Motor Vehicles

Although scooters and mopeds are perhaps the smaller of the two wheeled vehicles, with the exception of the bicycle, they are still considered to be motor vehicles because they operate from some form of power train, be it gas or electric motors. Because they are powered by a motor many communities want them insured when they are traveling about on their public roads.

What Coverage Is Needed?

The most basic coverage, for any vehicle, is third party insurance. If your scooter hits someone and causes injury to that person your third party insurance will pay the medical bills for that person. If you run into something and damage it, your third party insurance will pay for the damage your scooter did.

Fully comprehensive insurance is another type of vehicle coverage. This coverage not only pays for everything that the third party insurance pays for damage done to you and/or your scooter. If you ride a scooter in a highly populated area it may be a good idea to have this type of coverage for your protection should another vehicle not see you and hit you. This coverage can also pay if your scooter is stolen, for example. Or if for some reason your scooter catches on fire the insurance company will pay for the damage done and, in some instances, pay for the purchase of another scooter.

In between these two levels of coverage is third party, fire and theft insurance. This is fairly self-explanatory in what it covers.

Third party,, third party, fire and theft and comprehensive coverage are basic and separate vehicle policies. Now let’s look at what you might need to purchase these policies.

Driving Record

South African law requires the operator of a scooter or moped to be licensed to operate it, and they have minimum age requirements. You need to be eighteen for a full driver’s license and seventeen to get a learners permit.

Mileage

The insurance company may need to know how much your scooter will be on the road. The way they get an idea of this is to ask you how much you plan on driving around on your scooter. The amount you tell them can affect how much you pay.

Security

If you are considering buying a comprehensive policy the insurance company will nearly insist that you purchase an approved locking device to keep your scooter secured whenever you are not riding it. The insurance company can actually make this request before insuring you if they want to. Their thinking is that if your scooter is appropriately secured there is less chance of it being stolen. If you scooter is stolen and was not properly secured you will have a very difficult time getting the insurance to pay for it.

Shopping For Scooter Insurance Coverage

There are many automobile and motorcycle insurance companies to choose from in South Africa today, but not all will insure scooters or mopeds. Honestly speaking, it is not very lucrative for them to do so. The money they make from such coverage is minimal at best. But there are some insurance companies out there that would like to provide insurance coverage for your scooter.

After finding a few insurance companies that do insure scooters and mopeds call each one and get a quote from them. You should find that coverage for a scooter is relatively inexpensive and affordable.

About the Author

The author specializes in motorcycle insurance in South Africa. To read more on bike insurance, visit Getinsurance.co.za

August 28th, 2008 by The Rider

Car Rentals Italy – Need To Rent A Car In Italy?

What comes to mind when you hear of Italy? Most probably you would imagine basking through the great fountains and parks of Rome, enjoy long hours of lunching on authentic pizza and pasta, and marvel in historical art galleries and museums. You could take actual pleasure in all of these when you visit Italy. And the top choice to jump from one modern city to another rustic town is through driving a car. It’s all possible with numerous car rentals Italy websites.

Renting various modes of transportation in Italy is very popular among tourists. These public vehicles are very accessible in every piazza. You could rent a bicycle, a moped which is a lightweight low-powered motorbike with pedals or a classic scooter. But such vehicles nor you could not endure journeying Italy’s rugged landscape and marbled city pavements. It would be a lot wiser to inquire from car rentals Italy agencies.

Some agencies have Italy car rental quote system. This system enables you to compare prices of different car rental provider in Italy. They provide free quotation in as fast as two minutes and even give back up notifications through your email address. You could also choose from over fifty pick up and drop off locations in Italy.

Car rentals Italy websites also vary in different categories: discount rentals which give up to 40% discounts for early bookers; cheap rentals that offer as low as $300+ for a whole week rental. Most of these websites even give an overview of Italy and its driving regulations.

When you are hiring a car in Italy, you need to make sure that the agency provides you with Collision Damage Waiver and Theft Protection as these are compulsory in Italy. Your agency should also warn you that you must have an International Driver’s License.

Age also matters when you want to rent a car in Italy. You could not rent a car there when you are below twenty one years old. And some car rates vary depending on your age. All agencies require a Young Driver Surcharge. For example, you want to rent a mini-economy car with two doors, manual stickshift and air conditioning for three days. This would cost you around $220 inclusive of insurance, but you would have to add $14+ per day if you are below twenty five years old.

Most of the car rentals Italy agencies give many freebies. This is most probably because Italy has been one of the top five countries with a large number of visitors’ turnout. They throw in map of Italy’s top destinations, unlimited mileage and surcharge-free pick ups in some locations like train station and airport.

Italy offers you many sites. You could be amazed with world-renowned paintings, sculptures and al fresco of equally popular art geniuses like Da Vinci and Michaelangelo. You can shop among Milan’s boutiques and flea markets. All these and more could be enjoyed when you visit Italy.

Italian Car Rental companies would not give you a hard time journeying across Italy’s strade or super highways with the help of. You would definitely have a buono time and you would keep coming back for more.

About the Author

For more great information on Car Rentals Italy visit our new website http://www.carrentalsonlinenow.com today.

Car accident video clips, road safety analysis – spsyed

August 27th, 2008 by The Rider

Wearing a motorcycle helmet protects yourself from different things. It protects your head and face, your ears. And could basically be a life saver if you get into an accident.

According to the National Highway Traffic Safety Administration (NHTSA), compared to an automobile, a motorcycle rider has a 35 percent greater chance of having serious physical injuries in an accident. The only protection he has is if he’s wearing a helmet which could somehow protect him from head injury. Fatality in motorcycle accidents is just far higher than in regular automobiles.
Some states actually have laws on wearing motorcycle helmets. I think it is just common sense to protect yourself from motorcycle injury by wearing a helmet.

But any helmet isn’t enough. To get the most protection, you must use the right kind of helmet. It should fit properly and snugly but still not limiting the wearer of air or ventilation.

Full face motorcycle helmets offer a lot of protection. Its design covers the entire head including a cover for your face. Although this may seem to be a complete protection, there are some debates relating to safety and reliability of this king of helmet. The face cover may refract light and may interfere with good vision of the driver. And keeping the face shield down may cause lack of ventilation especially on a very hot and humid day. Although you always have the option of keeping the face cover up and just wear goggles or sunglasses for your eyes.

Because Motorcycles lack the protection of other vehicles, such as a car or truck, severe injury is much more likely. For comfort and protection they generally have fabric and foam interiors.

Motorcycle helmets act as a protection device for your head.

When looking at helmets to purchase don’t let the price determine which helmet you will purchase, you will need to look at the protection factor it can provide and how it is rated. Helmet design considerations are all about the tolerable impact the head can handle, which the soft linings provide as protection, and the exterior protection from punctures.

When trying on a helmet press down on the helmet and make sure that it fits properly and it feels comfortable and check to see if it surrounds your entire head. Before putting a helmet on a child, it is a good idea to check for defects such as cracks, loose padding, frayed straps or exposed metal that could be unsafe for the child.

Even if you don?t choose to wear a motor cycle helmets for safety reasons, there are other reasons. With many designs and makers to choose from, you would surely have your hands full finding one that you will like. There are a lot of motorcycle helmets you can choose from. The designs are made to match the likings of the women to provide more appeal.

Safety helmets reduce your chances of head injury in case of an accident. It is said that if you don’t wear a helmet, there is a 40% chance that you will suffer a head injury and upto 15% that it could be fatal

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