• Uninsured Drivers

    Uncategorized 30.06.2011 No Comments

    Unfortunately, there are uninsured drivers out there and they do sometimes get involved in accidents with honest insured drivers. A scenario such as this is unlikely but possible so you should be aware of the choices available to you if you find yourself in such a situation.

    There is such a thing as an uninsured driver’s agreement between the government and the Motor Insurance Bureau (MIB) in which it is ensured that an insured driver is able to claim for at least some of the costs of an accident if it is proved to have been caused by an uninsured driver.

    To make a claim then you should visit the MIB website at www.mib.org.uk and fill in the online claim form there. As usual, remember to include as much detail as you can as the more detail they have the better a picture of what happened they have. Other things to do right away are checking that the other driver is definitely not insured with the DVLA, make a complaint to the police about their illegal driving and notify your insurer. Failure to do any of these things may affect your claim.
    Something that is also advisable but not always needed is to supply the MIB with two different quotes on the cost of the damage but only do this if it can happen within a sensible time frame.

    The amount you will receive through this scheme is dependent on the hearing that will hopefully follow your claim and you should be aware that if you are considered to be partly or entirely responsible for the accident then the amount of compensation you receive will almost certainly be affected. It is said by the MIB that cover for this type of thing costs around £15 to £30 but that this is built in to the price of your insurance so everybody is to some extent covered. If you are looking for car insurance go to http://hastingsdirect.com for competitive prices and a range of covers – make sure you are insured!

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    • You will be able to claim compensation for any injuries suffered in a car accident that wasn't your fault. For more information on neck injury and claims for whiplash, contact Irwin Mitchell today

  • Nissan Altima Sedan

    Altima 15.06.2011 No Comments

    Nissan has continuously pushed the envelope when it comes to designing some of the best cars on the road. For a lot of years, they have been providing people some pretty good vehicles, and it doesn’t seem as if they are going to stop anytime soon. Luckily for us, this means that they will create some pretty good cars. Not only do they provide some of the best looking cars, they also provide all of their vehicles at a pretty reasonable price. This is what they built their empire on, and they definitely have not been losing any steam with their newer vehicles. One of the best vehicles on the road, the 2010 Nissan Altima sedan, is one that has hit the mark in the best possible way.

    There is certainly a lot to be excited about as far as this car is concerned, and this is why a lot of people have purchased this vehicle as their car of choice. It is a very sleek looking vehicle, and that’s the case even for the most discerning of car critics. Not only is this car pretty to look at, the performance is great as well. All too often do we see car companies that forget about the performance of the car and focus on the style, and this is definitely not so for the 2010 Nissan Altima. It handles well and has the ability to get up and go, as well. They leave no stone unturned when it comes to creating an amazing car, and the newest Nissan Altima is one that fits the bill.

    If you’re looking for one of the best sedans on the market, the 2010 Nissan Altima is completely amazing.

  • What kind of car insurance do I need?

    Uncategorized 11.06.2011 No Comments

    Unfortunately nowadays car insurance has become very expensive, so it is very important that we should understand the different options that are available before we decide on buying an insurance policy. Essentially there are three kinds of car insurance cover. These are third party insurance, third party fire and theft insurance, and fully comprehensive insurance. These different options are explained below.

    Third Party Car Insurance
    It is a legal requirement that third party insurance is in place before a car can be driven. The penalties for not having at least this basic level of cover can be quite severe, but should you have an accident and not have third party insurance, then the financial implications can be considerable, particularly if the accident results in an injury to a third party. Damages can be so punitive that you could find yourself in serious debt for the rest of your life.

    Third party does not cover you for any personal losses; it only covers losses that are caused by you to other parties and their property. It includes drivers, passengers (including any of your own passengers) and pedestrians.

    This is generally, but not always, the lowest cost option.

    Third party, fire and theft car insurance
    Third party, fire and theft car insurance includes the cover described above plus cover in case of theft or fire. This means that if your car or any of its contents is stolen you are covered. You are also covered should your car be damaged by any fire that is not the result of an accident.

    This is generally but not always the second lowest cost option

    Fully comprehensive car insurance
    Fully comprehensive car insurance includes all the cover that is provided by the previous options plus cover for the driver, the car and (to a limited degree) its contents. In addition to out of pocket expenses, some policies include compensation for long term losses, for instance loss of a limb or an eye.

    This is generally the most expensive option and you should note that there is a significant difference between what is covered by different fully comprehensive policies, so it is important to read the small print.

    If you have recently purchased a car and have not yet arranged insurance then go online and start searching – at good place to start is Endsleigh – where you can find an easy to use interface and some great deals – visit the site now.

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  • Nissan NV200 Van

    Uncategorized 01.06.2011 No Comments

    For a versatile small van that won’t cost too much money and is economical to run, it is difficult to find much better than the Nissan NV200. In essence this van is very quiet and feels relatively refined. It is great in the city thanks to its manoeuvrability and it is equally at home on long runs on Motorways and B Roads. There is also more available storage space than there is on its competitors.

    Inside there is good visibility and the seats are comfortable and supportive. It is also well equipped and many of the extras are as you would find in Nissan cars.

    If there is a justifiable criticism of the NV200 then it is the lack of choice. Unfortunately there are no alternative engines; the only engine option is a 1.5 litre dCi diesel which delivers a relatively modest 86 bhp. There is nothing wrong with this engine; its well proven unit develops healthy torque all through the rev range and is smooth and economical. Nissan obviously decided that this was the best engine for this van and for the majority of users Nissan is correct, but by including some alternative engine options Nissan could have increased its potential market.

    There are two rear doors and a side sliding door so it is easy to access the load area. There is plenty of room to allow two standard palettes to be carried and the maximum load is 752kg and the capacity is 4.2 cubic metres.

    There is a good range of equipment as standard which includes electronic brake force distribution. ESP stability control is also available but at extra cost. You have to pay more if you want a passenger air bag or air conditioning. Prices start at around £14,460, though of course you will pay considerably less if you go for a second hand model.

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