A Guide For Cheap Classic Car Insurance!

People are now having classic cars for numerous different reasons. Some are treating them like collectibles. Some others are having them to increase status as classic cars owners are regarded as having high status. The remaining might just treat them as normal transport. No matter what reasons of owning classic cars, classic cars must be properly secured with insurance to have coverage against thefts and car damages. For the owner, it might be hard for them to look for cheap classic car insurance. If you happen to be one of them, reading the following guide will help you to fulfill your wish of finding it.

Firstly, you must take into consideration the scarcity and value of your classic cars. Some classic cars can be very scarce and can hardly be found again. These cars normally have very high value and are very susceptible to thefts. They are also expensive to repair if they are damaged. Therefore, it is inevitable that you have to pay higher premiums for rare classic cars. You might want to get lower valued classic cars to reduce your car insurance costs.

Next, it is very important to have a guaranteed agreed valuation when you are insuring your car with a certain insurance company. You have to reach an agreement with your insurance company on the amount that they need to pay for your classic car if it is damaged or stolen. Most insurers will pay the full amount that you both have agreed upon in the event of accidents or damages. Some insurers might refuse to pay the full amount when you make insurance claims, therefore check with cautious whether the agreed valuation is guaranteed.

Classic cars are made with previous technology and might not be very driver friendly compared to modern cars. Unless it is modified, classic cars normally have manual gears which might be harder to handle compared to modern cars. Therefore, a driver with a great deal of experience and older age will be in an advantage to get cheaper insurance rates since they are considered as lower risk drivers. If you are a young and new driver, you might want to consider getting defensive driving courses to enhance your driving skills to be eligible for cheaper classic car insurance.

Furthermore, most insurance companies require you to have a suitable storing space for your classic car when you are not driving it for a long time. Having a garage or parking lot in your house would be an advantage to you as they can help protect your classic car from harsh weathers and environments. Installing safety devices that could enhance your car safety against thefts and damages would also increase your chances in getting cheap classic car insurance.

10 Signs It’s Time for You to Travel

1. The thought of getting up and going to work makes you feel sick… literally!

We’ve all been there. The “calling in sick” phone calls to your manager that you despise, just so that you can take the day off to binge watch your favourite television series on Netflix. But the truth is, when your purposely dodging your work shift, or counting down the minutes until you finish work, there’s a serious problem that you need to finally confront. Switching up your routine or even going somewhere for a long-weekend can revitalize you and uplift your spirits.

2. You spend way too much time living in the past and forget about the present.

Your life is governed by the “What If’s, Should have’s and Could have’s”. Doubt and fear seem to creep its way into your mind and you spend the rest of your days worrying about past choices and experiences. It’s time to wake up! You can’t change what you did or how that relationship ended. Focus on the present, and kick doubt and fear in the ass!

3. Your patterns are predictable… You’re stuck in Groundhog Day!

7am, your alarm rings, out of the house by 8. Stop by your local drive-through coffee shop for your morning caffeine fix. Commence your 9-5 cubicle cookie-cutting job and throughout the day engage in “dexter” small-talk and banter. You drive home, sit on your favourite couch and crush the next season of Game of Thrones. You do it all over again the next day, and the next and so on. If someone wanted to stalk you, frankly speaking it would be too easy. Break free from the rut and explore what this world has to offer. You’d be surprised what you’ll find.

4. Nothing exists beyond your city!

Why travel when you can get the best Szechuan in China Town or have the most delicious Cannoli’s in Little Italy? True, some of the best ethnic foods can be found right under your nose, however to think that “there is no world beyond New York City” or any mega city is absurd. Travelling to a country and experiencing an entirely new environment and culture can really kickstart your senses. So here’s to it… indulge!

5. Small town girl, You’ve been living in your small town world.

I get it… going from knowing your neighbours and the cashier at your local grocery store to getting lost in Thailand’s full moon festival and knowing absolutely no one can be pretty daunting. The truth is, you have to feel comfortable with being uncomfortable to experience life in a different way. Getting used to feeling like a “visible minority” or experiencing language barriers can make you understand and empathize with the other side of the dialectic. It’ll open up your eyes to a world beyond your small town.

6. The English Epidemic

It’s always interesting to see tourists getting frustrated when they travel to a foreign land and expect natives of that particular place to speak English. Cultural insensitivity is probably one of the worst qualities to display on your vacation. If your mind craves a challenge, choose a country that speaks a language that is unknown to you and learn some of their salutations and conversational expressions. You’ll make quite the impression and even gain a lifelong friendship with a local.

7. Stop reading about it, Go live it!

You pick up the National Geographic and read all about the amazing Safari adventures in Kenya, the vibrant eccentric colours of Marrakech and the exhilarating smell of lamb kebab that creeps through the narrow alleyways of Tehran. You take a moment, envision yourself in these pictures and then snap back to reality, allowing doubt and fear to snatch your dreams away. Stop reading about these wonderful places and feed your desires. Book that ticket and spend your nights dreaming about the adventures you’re about to embark on.

8. FoMo

The fear of missing out-hereafter referred to as FoMo, is no joke. FoMo is the desire to stay connected and partake in events that others are doing. It has also been referred to as having a fear of regret. This fear has a way of creeping its way into social gathering discussion topics of “who has the latest gadget” or “who has travelled to Monaco?” If you’re feeling particularly left out in the conversation, maybe it’s time to pack your suitcase and head over to a destination that will take over next weeks dinner gatherings discussion.

9. Single and ready to Mingle?

Sex and the City’s Samantha Jones said it best: “I’ve been in a relationship with myself for 49 years and that’s the one I need to work on.” There is no better way to learn more about yourself than to travel alone. Taking yourself on a lovely date, catching a matinée alone or doing some solo travel might feel a bit awkward at first, but getting to know the awesome person that you are should be cherished and celebrated. So here’s to celebrating you!

10. Big Decisions, Big Commitments

Whether you are entering University, starting your new career or settling down with the love of your life, it’s always a good idea to travel prior to these commitments. It will allow you to feel balanced, re-energized and ready to take on what’s to come.

How to Buy Classic Car Insurance

Collector Car Insurance and Classic Car Insurance

If you are fortunate enough to own a classic car – or any collectible automobile – then you want to ensure that your luck does not run out because of having inadequate insurance coverage. Call it covering your butt – or covering your “asset” – but by all means, call one of the major providers such as American Collectors, Haggerty, or Parish Heacock insurance companies and let them put you in the driver’s seat in terms of professional protection of your cherished automotive investment.

How to Kick the Tires on Classic Car Insurance

The whole idea of insurance is that it needs to do what you expect of it in an emergency, when the rubber really hits the road. And classic car insurance is as different from conventional auto insurance as, well, a classic car is from your run of the mill generic vehicle.

When you buy a classic car insurance policy, you are essentially purchasing protection for those times when – God forbid and knock on wood it doesn’t happen – disaster strikes in the form of a fire, a collision, or an act of theft or vandalism. Just as we now have modern airbags to save us in the event of a crash, we also have collector’s car insurance, to protect us with adequate moneybags when calamity throws a wrench in the works.

The time you invest in choosing the right classic car insurance coverage is well worth the value and peace of mind that a quality collector’s insurance policy delivers for owners of classic motor cars.

The Nuts and Bolts of Classic Car Insurance Coverage

Collector car insurance is not the same as the insurance you buy for normal coverage of your daily transportation. Collector car insurance, or classic car insurance, is made especially for the needs of the car collector. And while ordinary insurance does offer some protection, no matter what you drive, it can leave you high and dry in the event of a loss that it not effectively covered by the terms of the insurance contract.

For example, you may have a garage-kept Cadillac Sedan DeVille with swooping fins your grandparents bought for $7,000 brand new back in the 1960s. But dealers have offered you three times that much, and you saw another one sell at an auto show for $35,000. If you don’t have special collector car insurance or classic car insurance, and the car is totaled, you will be lucky to get $7,000 for it. With depreciation calculated in, the insurance statisticians may decide that it is worth only half that much, or less, and you could wind up with two or three grand in exchange for your dream machine.

Stipulations or requirements normally encountered while shopping for collector car insurance or classic car insurance:

A decent driving record.
At least 10 years driving experience
No teen drivers on the policy or drivers with poor driving records
Secure and out of the weather garage
Proof that you have another car for daily transportation
Collector vehicle insurance is sometimes limited by the age of your car, and if your car is too young it may not qualify for a particular policy.
Limited mileage. You probably don’t want to drive your creampuff car all the time, and your insurance company doesn’t want you to either. Mileage limits have increased recently, though, so if you can live with 250 miles a month you’re probably okay.

Coverage with collector car insurance or classic car insurance: Three kinds of value are important to understand when buying your policy. 1) Actual cash value: This is what you usually get with ordinary insurance, and is based on replacement cost minus depreciation.

2) Stated value:

The insurance company pays up to the stated value of the car, but may not guarantee the full stated value. And deductibles of up to $1,000 usually apply.

3) Agreed value:

In most jurisdictions, those who provide collector car insurance or classic car insurance are allowed to insure for a value that you and your insurer agree upon. And for most autos, there is no deductible. If your $100,000 vintage Rolls get trashed, you get a check for 100 grand, plain and simple – which is exactly why collectors use special classic car insurance coverage.

Do a periodic review of your coverage limits, because classic car prices are rising. What you insured your cherry classic for ten years ago may be a fraction of what it’s worth today. And if you are restoring a vehicle, ask your agent to give you appropriate insurance. There is no need to pay extra based on mileage statistics, if your car is up on blocks with no engine inside it. And as the car’s value increases thanks to your hard work of restoring it, you should raise the coverage to keep up with the added value of the restoration.

Keep all your receipts and paperwork – for everything from parts and labor to expenses incurred to take it to a classic car show – so that you can document the total investment your collector’s car represents. And take photos and keep them updated, for the same reason. And Last But Not Least: Special Savings Opportunities

As long as you meet the criteria in terms of how you use and take care of the car, you can usually buy a policy.

Traditional insurers will either refuse coverage, offer only a replacement value based on the nuts and bolts (minus heavy depreciation) of the car, or will charge you a prohibitive amount for the premium. But many collectors find that special collector’s coverage saves them money – as much as half – while insuring them for higher limits, sometime three or four times what a traditional company gave them.

Yes, it’s possible to get collector’s insurance coverage for full market value for your car, and save up to 50 percent off of the premium you’d pay with ordinary insurance. That makes classic car insurance a must-have for any serious car buff.

Classic Car Insurance – A Beginners Guide For New Classic Owners

If you’ve just bought your first classic car you will need to consider not just where, but also how you are going to insure it.

As a classic car owner it matters not if you drive a perfect condition Ford Capri 3 litre from 1970, a beat up old Morris Minor from the Sixties or a sleek E-type Jaguar in British racing green, it is essential that you find the best classic car insurance cover for your cherished motor, that covers your individual risks at prices that won’t break the bank!

If you have not owned a classic car before it is important to realise that there are basic differences between what is known as a standard car insurance policy and the cover offered under one defined as classic, from a specialist car insurer.

The first thing to establish is whether your car is eligible for cover under a classic policy. One way you could do this is ask the previous owner whether it was covered under a classic car insurance policy and with which insurance company.

Different car insurance companies have different definitions of the age and type of vehicles that can be covered under this type of cover.

What might be easily covered with one provider may be excluded by another. Fortunately most online classic car cover providers provide this information on the first page of their websites, so it is fairly easy to surf around and check your eligibility with different insurance companies.

You should check that both the eligibility of the age of the car in question and also whether there are policy restrictions for your individual driving circumstances, such as your age that would prevent you from applying for cover.

The major variation between a standard policy and those offered by the classic car specialists is in the way that you use your classic vehicle, and in particular, how much you drive it. The large mainstream insurers and price comparison sites will offer cover for older cars but will charge an additional premium because of its age. They will also load the premium if replacement parts for the vehicle type are known to be expensive.

More importantly you will only be offered the current market value replacement if the car is covered under a mainstream policy and is deemed to be a write-off when you claim.

With a standard car insurance policy on a replacement like for like basis, the value of the car is often set by the market value at the time of a claim, typically taken from one of the car price magazines such as the UK’s Glasses Guide. The amount you will be probably receive for a write-off will be at the current market value of your car which is an annual depreciating amount. Inevitably, if you own a classic car and insure it under a standard policy contract, this leads to under valuation and under insurance of the true value of the car. You will also probably not be offered the salvage and a repairable classic car may often be deemed a write-off because the cost of repair is uneconomic to the Insurer.

If you purchase a specialist classic car policy you will be offered a choice of either an agreed valuation of the classic cars worth or a policy based on market value.

An agreed valuation amount is the amount that the insurance company will pay out in the event of a claim that results in a write off. This is a major benefit of insuring classics under specialist policies because it ensures that you are not just properly covered but will also receive the specialist repair services that your classic will require should you claim. It should be noted that even agreed valuation polices can change and you should ensure that the value is guaranteed for a certain period of time to avoid fluctuations in market values.

Classic Car insurance polices are therefore tailored to the needs of cars considered to be collectable and effectively the valuation is a rating factor for the condition of the car.

The other major difference between standard and classic policies is in the way that you are allowed to use your car under the terms of the agreement. Originally this type of vehicle insurance was designed for drivers who do not use their classic cars much.

All classic car policies have a limited mileage clause which only covers the vehicle for an agreed amount of miles per year. Depending upon which specialist car insurance company you use, there will be a limit to how far you can drive your classic. Some providers will only cover a couple of thousand miles per year under the policy, but many specialist providers are now offering cover up to ten thousand miles per year. These policies reflect the fact that many drivers now use modern day classic cars as their main form of transport.

As with all car insurance it is important to compare both covers and prices when shopping around. There are many specialist classic insurance providers available online today and many specialist schemes that are targeted at particular classic owners. Compare the premiums offered by these with those from the price comparison sites, but if you want to avoid disappointment if you need to make a claim, be sure to understand the difference in policy covers.

Scientific Reasons Behind Why You Should Visit Hindu Temples

The common notion is that a visit to the temple is just to pray for God’s blessings. But the truth is that, temples are the best places to relax and to calm your body and mind, too. That is a scientifically proven fact. Here is why:

The Location and Structure of the Temple

Temples are filled with positive energy because they are built in a particular way. For instance, the main idol is placed at the centre of the temple, known as Moolasthanam, where earth’s magnetic waves are found to be quite strong. And the structure of the temple is built around it. That is reason for the positive energy.

Removing Your Footwear before Entering Temple

Temples are epicentres of positive energy. The floor at the centre of the temple is a good conductor of these positive vibrations. And if you want to allow positive energy to pass through your feet to the body, you should not use footwear. Another reason is that shoes and chappals will have all the impurities as you use it everywhere. Hence they tend to spoil the pure environment of the temple.

Activating the five senses

All five senses in your body should be activated if you want to absorb the positive energy in the temple.

Ringing the Temple Bell

The hearing sense is activated by ringing the temple bell before entering the inner temple. If you have noticed, after ringing the bell the sound lasts for 7 seconds in echo mode. This timeframe is sufficient to turn on all the seven healing centres in our body. Our brain will also be free from all kinds of negative thoughts. The idol also absorbs the bell sound and it is vibrated within the Moolasthanam for some time.

Lighting Camphor In Front Of Idol

The sight sense is activated by lighting camphor. The inner core where the idol is placed is usually dark. When you pray you close your eyes and after that you open your eyes and see the camphor, which is lit to do the Aarthi. Your sight sense is activated when you see the light after the dark.

Placing Hands over the Camphor Flames

After offering the prayer the camphor is brought to you, and you usually put your hands over the camphor to make your hands warm and then you touch your eyes with your warm hands. This is to activate the touch sense.

Offering Flowers to God

Flowers are beautiful to look at. They are soft and have a lovely fragrance. Only certain flowers that have fragrance like jasmine, rose, and marigold are used in offerings. It is to keep your smell sense active that flowers, incense sticks and camphor are used in temples.

Drinking Theertham

A silver or copper vessel is used to pour Theertham, which usually has thulsi leaves. It is kept aside for eight hours in the copper vessel. This is to positively charge the water. To balance all the three doshas in your body (vata, pitta and kapha) water should be stored in a copper vessel, which is a scientifically proven fact according to Ayurveda. You activate the taste sense by drinking this Thulasi water.

Doing Pradakshina around the Moolasthanam

The Moolasthanam absorbs all the energy and your five senses are also activated when you ring the bell, light the camphor and offer flowers and fruits. You tend to absorb all these positive vibrations when you do the pradakshina.

Applying Tilak/Kumkum

A major nerve point in human body lies between the two eyebrows on the forehead. The Tilak is believed to prevent the loss of “energy”. You press your forehead while applying kumkum. This also facilitates the blood supply to the face muscles.

Offering Coconut and Banana to God

Unlike an apple, coconut and banana are considered as sacred fruits. Apple is treated as tainted because an apple tree grows from the seed of another eaten fruit. To grow a coconut tree and plantain you need to plant an entire coconut and a sapling, respectively.

Options For Classic Car Insurance?

Classic car insurance differs from standard car insurance in several ways. It is less expensive than standard insurance, has specific feature requirements and may not be the best option for classic cars that are still in daily use. The value of the car, age of the owner, miles driven, housing and age of the car are all criteria that need to be met. Collector vehicles get such low rates of insurance because they are rarely driven, are exceptionally well maintained and usually increase in value over time. If you think classic car insurance is right for your car and lifestyle, you need to know the details of this type of insurance.

If you have a classic car, one that was manufactured between 1973 and 15 years ago, you may be eligible for classic car insurance. This is a much better option than putting your classic car on your regular auto insurance policy. You can protect the investment of a classic and have lower premiums.

The criteria that must be met may vary from company to company, but they will all want to know the age of the driver, the mileage on the car, how the car is housed when it is not in use and the age of the vehicle. There are specialized classic car insurance companies that will cover drivers 21 years or older, but most companies require the driver to be over 25 years. If you car is well protected from thieves or weather, it has a better chance of getting lower premiums.

Another difference between standard auto insurance coverage and classic car coverage is the value of the car along with depreciation. Standard car insurance covers the current value of the car, minus depreciation. The older the car gets, the less it is worth. A classic or vintage car does not depreciate in value over time. If the car is well maintained and rarely driven, the value will increase with time.

This different situation is why there are specialty insurers. Usually, the insurer and the owner will agree on the value of the car. This is called Agreed Value Coverage and may be based on an independent assessment of the value of the classic car. The insurance coverage will include the agreed value of the car which will be stated on the policy, and will add the appreciation value at the time of loss.

Five Tips For Stress Free Travel

Let’s face the fact; the whole traveling event is quite stressful. We plan a holiday to get away from the pressures of home and work, but navigating through the airport to catch your flight becomes the most stressful part of the whole trip. You don’t want to become all stressed before you even leave the airport, so here are some helpful tips that will help you travel smoothly without any stress and enjoy your vacation.

Arrive Early

Long gone are those days when you can show an hour before your flight, but now the circumstances have changed a lot. Many times I have seen people waiting outside in the parking for a shuttle complaining that they might miss their flight if the van doesn’t come soon. That’s why my honest recommendation that arrives at least three hours before your flight at the airport.

Pack Light

The best way to reduce stress is by packing light. If you can pack light with only one carry-on bag, it will save you time at the check in counter. You can walk straight to the computer, check in your bag and be on your way to the security line in not time. Trust me, lugging a heavy back anywhere can be stressful. You will realise half of the things you don’t need on your vacation, and you won’t be happy with all that clutter you carried for no reason.

Check In Online

Check in 24 hours before your flight will save you a lot of time and will help you in avoiding all the hassle at the airport. Make use of your smartphone, check in online and either get a print out of your ticket, or you can save it on your phone. That way when you reach the airport, you don’t have to waste your time at the check in counter.

Be Prepared

Be ready to face strict security measures at the airport. I keep all the things that I need out onto the bin, so they are readily available. When I reach the conveyor belt, everything is out in a flash. All liquids should be packed in a bottle of 100ml or less and then kept in a small Ziploc bag. Don’t wear any metal jewellery or keep any loose change with you as it will beep when you pass the security check and create trouble.

Create A Care Package

When packing your luggage pack a small handbag or backpack in which you can carry the things that you will need during the flight. Ever since I started carrying a small bag with me, my trips have become more enjoyable. I usually pack things that I’ll be needing urgently like the following:

• Ear buds to prevent noise

• Lip balm and skin moisturiser

• Hand sanitizer

• Credit Card to make any in-flight purchases

• Travel toothpaste and toothbrush

• iPhone

• Sunglasses

• Some basic meds if I feel nauseate on the flight.

Get in touch with us and book your holidays to sandals online today. We offer the best holiday deals and offers to our customers.

Classic Car Insurance – Make a Wise Choice For Your Classic Car!

Classic car insurance is important for classic car owners because this type of cars need more attention from the owners compared to regular types of cars. Most of the time, if classic cars are being maintained well by its owners, they can fetch a high price in the market due to their rarity and therefore, their owners have a tendency to make claims even though the damage on the cars are probably just minor ones. Regular car insurance might not be able to protect classic cars to such extend, and therefore there is a need for classic car owners to purchase classic car insurance to protect the cars to the maximum.

There are some special requirements that you need to fulfill before you can purchase classic car insurance for your car. First of all, you need to have a good driving record with at least ten years experience. Usually, teen drivers or drivers with very poor driving record are not allowed to hold a classic car insurance policy. This is because classic cars aren’t the safest cars around and the inexperienced and reckless drivers might not be able to handle the valuable cars with sufficient responsibility.

Next, you should also have proof that you have another car for your daily transportation. Most of the time, there will be a limit for your classic car’s mileage if you are planning to insure it under classic car insurance. You cannot drive the car very often with the limited mileage. Therefore, you need to have another mode of transportation for your daily commuting before you can take up classic car insurance.

Your car also needs to reach a certain age before it can be classified as a classic car. If it is not old enough, it usually cannot qualify for the insurance. You need to check with your insurance company to determine the age of your car required to get into classic car insurance policy.

Next, you should also get to know the value of your policy. There are three types of value, which are actual cash value, stated value and agreed value. Actual cash value is what you usually get from regular car insurance which is the cost of the car minus depreciation. Stated value is a stated value of the car which the company would pay up to, but may not guarantee to pay the full stated value. The deductible up to $1000 usually applies in this type of valuation. Agreed value is a value agreed upon by you and your insurance company. For this valuation, there is no deductible most of the time.

Purchasing the right classic car insurance for your car is very important so that it can get sufficient protection from the policy in any cases that it got damaged or stolen.