Monday, June 25, 2007
Cheap Motorbike Insurance: Ride Safe!
Whether you are a moped rider or a motorcycle rider, you never know when your luck will turn its back towards you and you get involved in some accidents or mishaps. Other than this, your motorbike might get stolen. God forbid if these unwanted things happen; but misfortunes never come by giving you any sort of notice. The repairing or the replacing cost of your motorbike might be a headache for you then. Instead, you can take some preventive measures; buying a motorbike insurance which is cheap and economical is one of them.
There are basically two types of cheap motorbike insurance policy:
1. Specified rider policy: This policy specifically covers the rider, not the bike. You can ride many bikes up to a particular size.
2. Specified bike policy: This policy will insure the motorbike and not the rider. If you want to insure a number of riders on the same bike, this would be a suitable policy.
You can choose from these two policies the one that will fit your budget the best. Again, there are certain things that will affect your rate of premium. If these things are taken care of, then you can significantly lower your premium and thus avail cheap motorbike insurance policy.
Past driving record: You can avail cheap motorcycle insurance if you have not made any claims in the past for driving related accidents.
Security: If you fit some security features in your motorbike like immobilizers, alarms, steering locks, then you can easily avail cheap motorbike insurance.
Type of bike: If your motorbike is a lower performance bike, then you can get motorbike insurance at a cheap price.
Garage and parking: A motorbike kept in a covered and a locked garage will result in significantly lower premiums.
Age: Apart from all these, a middle aged driver can get significantly the motorbike insurance policy at a lower and a cheaper rate.
It is important to look around and shop for your motorbike insurance a little. Only through a detailed hunt for motorbike insurance, you can locate cheap motorbike insurance. It is also advisable to read the fine prints of the policy document. You should also choose a cover which you can afford. Your search for cheap motorbike insurances has become easier now with the availability of the internet facilities and the online method of shopping for cheap motorbike insurance. You can compare hundreds of such cheap motorbike insurance policies and buy the one that fits your needs that best.
Architect Liability Insurance
Architects have always been in demand for their ability to design houses and buildings that people hold in awe. It is a highly skilled profession, where projects range in size and scope, from small office buildings to colossal sports stadiums.
However, most people can only see the bright side of architecture as a profession and do not realize that it is fraught with responsibilities. Any architectural firm may incur heavy liabilities due to the slightest error, oversight, or omission.
Such conditions require the protection of architect liability insurance for an individual architect or his/her firm. It protects professional architects in case of any legal claims that allege negligence on the part of the architect in the execution of services. At times, even when the case proves to have no validity, the legal cost involved in fighting the case can be substantial and can even leave an architect or firm reeling from the financial pressure.
Hence, architect liability insurance is a must for all architects and firms. There are various insurance and brokerage firms that offer architect liability insurance. While many of these offer the architect liability insurance as part of their other insurance packages, some others especially deal in architect liability insurance. It is a better idea to go with a brokerage or insurance firm that deals specifically with architect liability insurance, as they are knowledgeable of the field of architecture and may be open to negotiations on the premium price.
One can find information about such insurance and brokerage firms easily on the internet. However, like all types of liability insurance, it is important to first have a proper understanding of the needs from the insurance as well as what one is looking from a architect liability insurance company.
