Everything You NEED to know about car insurance

What are those things that make a car a classic? For starters, as classic car is much more of a throwback that goes all the way back to the car owner’s childhood days- where a certain car is something that he always wanted and dreamed of but simply could never afford. Its value to the owner, when combined together with the age of that car, often means that the car is not only sentimentally priceless, but is also worth a considerable deal when it comes to financial terms. And it is all the more reason why the owner must take time to make sure that it is sufficiently covered by a classic car insurance policy.

Actually, there is probably no fixed definition or concept of the classic car that is uniformly accepted worldwide, although the HMRC openly considers any vehicle that is over 20 years old with a fairly significant value to be considered a classic just for tax purposes. The definition however, varies from one car insurer to the other. In your case, it will always be a smart move to check all corners carefully first before you request a quote, and remember that most of these classic cars will naturally require more time and care than today’s modern cars. Also, it is worth remembering that the cheapest classic insurance might not really be that suitable for you specific needs.

Basically, the classic car insurance is simply cheaper than the equivalent insurance intended for the modern car. It is all because of that fact where in most cases, the classic car is treated and taken cared of much better than any modern car nowadays, and will also be less driven out. And this means that making a claim is very less likely to happen.

If you are now thinking about ways on how to save money on this kind of insurance, take note that just like the conventional coverage, its quotes does vary from company to company. Shop around first so you can find very competitive prices. Then try to consider having a limited mileage policy for your vehicle. This gives you a free hand to set the mileage that you are covered which is far lower than those conventional ones, the premium also following down with it.

Make sure your insured – http://www.makesureyourinsured.com/

Have the value of your car agreed the first time that it will be insured. You may have to shell out extra cash for this, or even outsource any independent valuer yourself, but to do so will mean that you are already guaranteed to get your cars’ real value if ever it will be written off. Also, make sure that its value is guaranteed as well, as some of the insurers will not accept this in certain situations.

It will always be a great idea to make certain that you update the cars’ value as agreed in a yearly basis. Most vintage car models increase their value in the long run. That alone leaves a difference between your classic cars’ real value and the amount that it is insured with

Get you and your Bicycle some Protection

We’ve written up an extensive bicycle buying guide for you to read and grab a few pointers on the way, one quick suggestion though before we begin, make sure you get some bicycle insurance before riding on the roads.

Bicycles can be used for a number of purposes, including recreation, fitness, transportation and sports. If you are planning on purchasing a new bike, consider the terrain you will be riding on as well as your body weight. Are you finding it difficult to choose a new cycle? Go through this buying guide for exhaustive information on bicycles and make the right choice.

What types of bicycles are available?

Different types of bicycles, such as BMX, road, racing, touring, comfort, kids, womens, tandem and more, are available for sale. Here is an in-depth look at some popular models.

Road Bikes:

Road bikes are built for paved roads. They have thin tires, dropped handlebars and lightweight frames made of aluminum or carbon. The majority of these cycles have 21 speeds. Sport bikes, touring bikes, racing bikes, triathlon bikes, cruisers and choppers also fall under this category.

Mountain Bikes:

Mountain bikes are durable enough to withstand serious off-road racing. Sturdy frames, strong brakes, flat handlebars and 26-inch wheels make these bikes highly popular. Their low gears assist you in off-road racing, especially when going uphill and riding through mud. These cycles are heavy and can withstand rough handling. In a few models, the front suspension and rear suspension offer comfort, even while riding over uneven ground.

Comfort Bikes:

These bikes are good for beginners. Comfort bikes come with adjustable vertical handlebars, comfy seats, 26″ wide and low pressure tires and suspension forks. They are made for short rides on well-maintained bike paths.

Hybrid/Cross Bikes:

These all-purpose bicycles combine the features of road and mountain bikes. They have a wide gear ratio, upright handlebars and narrow tires. Their frames are lightweight, making these perfect for pavement riding and minor off-road racing. Hybrid/cross bikes usually come with mudguards.

Recumbent Bikes:

If you cannot handle the physical strain associated with traditional bicycles, consider recumbent cycles. These bikes can go fast and provide comfortable seating. However, they do have some pitfalls. They are expensive compared to most standard bikes and their transportation by car may prove to be more difficult as well, especially long wheelbase models.

BMX Bikes:

BMX (Bicycle Motocross) bikes owe their invention to the popularity of motocross dirt bike racing. These bikes can be ridden through woods or around dirt-tracks. Though BMX cycles resemble mountain bikes, their wheels and frames are comparatively smaller. These bikes are suitable for kids and young riders. BMX racing bikes are built for racing on dirt tracks. BMX freestyle bikes are designed for doing tricks whereas BMX dirt jumping bikes are made for getting airborne on dirt tracks.

Chopper Bikes:

These bikes are based on chopper motorcycles. Chopper bikes feature wide rear tires, large cushioned seats and extended handlebars. These bikes are not recommended for off-road racing.

Womens Bikes:

Womens bicycles are smaller, designed to suit the build of the average woman. They have narrow handlebars, short top tubes and wide saddles.

Kids Bikes:

Is your child pining for a bicycle? Compact bikes with small frames are ideal for children. These bikes are easy to ride and durable. Many kids bicycles come with training wheels attached. Other cycles give you the option to attach separately sold training wheels. Go for kids bikes with spoke guards and coaster brakes that allow children to stop when pedaling backwards.

Tandem Bikes:

Do you want to make cycling more fun? Get a tandem bike that accommodates two or more people at one time.

What are other factors to consider when purchasing a bike and getting into the rewarding sport of cycling?

Frame Materials:

Frames are made of different materials depending on the type of bicycle.


The most commonly used frame material is steel. Chromoly (chromium-molybdenum steel) is lighter than carbon steel, but both are strong and durable.

Carbon Fiber

These strong and lightweight frames offer a good ride.


Titanium is one of the most rugged, durable and costliest frame materials you can get.


Aluminum is a stiff and strong material. Aluminum frames are good for riders looking for lightweight bikes.


Hybrid, comfort and mountain bikes feature suspension forks. Forks assist you in riding over rough tracks more easily and comfortably.


Wheels play a vital role in bikes. Single-alloy hubs with rubber axle seals, few spokes and sealed bearings are recommended. Stainless steel spokes and aluminum rims are lightweight and rust free.


Gears are crucial to ride on uneven surfaces. On flat surfaces, only 3 or 4 gears are needed. When it comes to hills and challenging terrain, a bike with a 21, 24 or 27 speed drivetrain is necessary. Go for bikes with gears that are easy to shift.


Most bikes are equipped with either rim brakes (V-brakes), linear brakes or hub brakes. Disc brakes, the latest brake type, provide brilliant braking and low maintenance, but are expensive.


Look for anatomical shapes, flexible frames, gel padding and cushioning springs in your seats.

What accessories are available for bicycles?

If you are getting a new bicycle, you should check out the following accessories. Some accessories are absolutely necessary, while others are strictly for your own convenience.


Helmets are vital accessories to avoid head injuries. They come in kid and adult sizes as well as many colors.


Protect your bicycle from theft with a bike lock. Locks are highly recommended if you plan on leaving your bicycle in any public area unattended.

Flat Kits:

For long rides, it is wise to carry a flat kit and a small frame-mounted pump to fill your tires with air. The kit should include a new tube, basic patch kit, tire iron, wrench, rag and small seat bag.


To fill your tires with air whenever you need, buy bicycle pumps.

Computers and Monitors:

A cyclocomputer is a digital speedometer that shows speed, distance and time traveled during your bicycle ride. High-end models come with GPS functions and can measure your heart rate and power output.


Keep yourself and your bike clean with mudguards.

Baskets and Panniers:

Attach baskets and panniers to your bike to carry heavier loads.


Protect your bicycles with cycle covers and storage solutions, such as lightweight aluminum storage stands.


For small cars, carriers (also referred to as bike racks) that attach to the roof are ideal. For big cars, like vans an SUVs, use carriers that attach to the rear of your vehicle.

Cheap classic car insurance

There are a lot of classic cars in this day and age simply because automobiles were invented over 250 years ago now, there have been some beauties and there have been some complete dogger cars lol!

It’s all good talking and thinking about these vehicles but there is classic funny guysomething else quite important that you would need to get in the addition to the shergar of motor vehicles, yeah you would have guessed it by now, you would have to be on the look out for cheap classic car insurance and there are easy ways to get it now that we live in the 21st century, luckily for us, we have the internet and the internet is a lovely infinite place where you can obtain absolutely anything.

The thing I’m getting to here is compare sites are available to help everybody that wishes to use them, they are free, only take a few minutes to get a vast list of results and the way to go. easy as peasy pie mates, so make use of them! go!