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.

Life Fitness Treadmill a Great Piece of Exercise Equipment for Users

Life Fitness treadmills have been designed in such a way that they fit well in almost any home. Not only that, but Life Fitness treadmills are also priced to be affordable for most of the people looking for a treadmill and they have all the features that they need in order to get a good workout without having to travel anywhere.

Life Fitness treadmills are being used by numerous world champion athletes, top athletes, military personnel and health club members.

Life Fitness offers two Life Fitness treadmill lines: Life Fitness Cardio and Life Fitness Sport Cardio. There are seven different Life Fitness treadmill options in the first line (T3, T3i, T5, T5i, T7, and T9i/e) and two in the second line.

Life Fitness offers the T-series as a direct descendant of its commercial model series, starting with the standard quality T3, their ‘benchmark’ value model, and topping out with the Life Fitness T9i, recommended by Health Magazine.

Basic treadmills are included in the T3 series of Life Fitness treadmill models. There are two choices in this category viz the T3 and the T3i. Both of these Life Fitness treadmill models offer a large number of features including classic workouts (hill, random, manual), sport training workouts (sport training, 5K sport training, 10K sport training) and EZ Incline TM workouts. Display options on the T3 and T3i models of Life Fitness treadmill include display of elapsed time, distance, speed, incline, heart rate, calories per hour and calories burnt.

Both Life Fitness treadmill models can accommodate speeds up to 10 miles per hour and an incline of 15%. The T3i Life Fitness treadmill includes heart features including Polar Telemetry® and heart rate zone training workouts (cardio, fat burn, heart rate hill, heart rate interval and extreme heart rate). Life Fitness treadmills in the T3 series consist of a 2.5HP motor and supports inclination up to 15%.

Life Fitness treadmills in the T5 series are meant for competitive running. The main difference between a Life Fitness treadmill in the T3 series and the T5 series is that those in the T5 series are capable of speeds up to 12 miles per hour.

The Life Fitness T5 treadmill provides a wide & long walking area and a powerful drive motor. It has a few less programs and a simpler display than the T5i but features the same durable construction throughout.

A Life Fitness treadmill from the T7 line, adds daily training workouts to the package (30-minute walk, 3-mile jog, 45-minute cross-train) and customizable workouts.

Finally, the T9 series of Life Fitness treadmill models additional customizable workouts, speed interval training, pace mode, calories goal, distance goal, and time in zone goal, as well as Life Pulse TM digital heart rate monitoring. The Life Fitness T9i treadmill bears up to 400 pounds weight and features a 5/8 inch 60 x 20 inch belt with cushioned deck, 3.5 inch roller and 4.0HP motor. This treadmill series offers a top speed of 12 MPH, inclines up to 15% and provides readouts/feedbacks. It also provides 16 preset programs as well as six custom memory slots for personal workouts and it monitors heart rate through Ergo hand sensors and a wireless chest strap.

The warranty period on Life Fitness treadmill models is impressive. Life Fitness treadmill provides lifetime warranty on frame and shock absorbers, fifteen years warranty on the motor, three years warranty on electrical and mechanical parts and one year warranty on labor. The Life Fitness T9 treadmill series provides a lifetime warranty on the motor and ten years warranty on electrical and mechanical parts.

A Life Fitness treadmill can get users well on their way to fitness. With the wide variety of workout options available, even on their basic models, users will never be bored. If users are keeping a close eye on their cardiovascular fitness, the heart monitoring available on a Life Fitness treadmill can’t be bet.

A Life Fitness treadmill might be the best treadmill choice for users. If users are going to use a Life Fitness treadmill, they should make sure that they know what they are doing before using it. Users should always make sure that they are very comfortable walking on their Life Fitness treadmill device before they decide to start running. This is always the case no matter what model or style of Life Fitness treadmill they own.

Before buying a Life Fitness treadmill model users should take a look at the different features that are offered with the treadmill model. Users should make sure that the treadmill motor has a high continuous duty rating and has a long warranty.

Life Fitness treadmills have an excellent life span. Some of the popular discount Life Fitness treadmills are model numbers 5500, 8500 and T3i. No matter how strenuous workouts users desire (use of hand weights to tone arms and body while walking/running on the treadmill), Life Fitness treadmills are a great piece of exercise equipment.

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.

Find a Professional Graphic Designer

The condition of graphic design can advert to an array of artistic and professional corrects which centre on optical communication and display. Various methods are used to create and combine symbols, images and words to create a visual representation of ideas and messages. A designer can use typography, visual arts and technical layout to produce the final result. Graphic design frequently adverts to both the action by which the communication is created and the harvest fathered.

Common uses of graphic design are magazines, advertising and packaging. For example, a product that includes for a logo or other artwork, organized text and pure design elements such as shape and color as one piece. The composition is one of the key elements of graphic design especially when using existing equipment or parts.

A design project may include graphic style and format of existing text or photographs or images developed by graphic designers. For example, from a newspaper with reporters and photographers and then becomes the graphic designer responsible for organizing this to be a reasonable layout and determine if other graphic elements should be mandatory. In a magazine article or advertisement, often a designer or art director for the Commission, photographers and illustrators to create original pieces just to be part of system design. The contemporary exercise of design accepts equaled covered to latest computers, specified the use of WYSIWYG exploiter ports, often adverted to as synergistic design, multimedia or graphic design.

In addition to important content, the type of presentation in May is also important for graphic design. The exterior design is manufactured according to traditional editing tool or digital imaging. Choosing the proper development and presentation of each project is fundamental to how the project will be perceived by the public.

In the mid-1980s brought the advent of desktop publishing and graphics software to a generation of designers, computer art of image manipulation and creation that has been done manually. Computer graphics enabled designers to instantly see the effects of the typographical arrangement and simulate the effects of traditional media, but a lot of space. But are traditional tools such as pencils or markers are often used to develop ideas even when computers are used for finishing. Some of these drawings, you can get a single customer for approval early stage before they develop the idea of using a computer and software for graphic design.

New ideas can come through experimentation with tools and methods. Some designers explore ideas with pen and paper to avoid the limits of what computer fonts, clip art, photos, or rendering filters are available in a given configuration. Others use many different brands making tools and resources from computers to sticks and mud as a means of inspiring creativity. One key feature of the graphic design is a tool for selecting appropriate images to convey meaning.