insurance analysis

Selecting the Right Motor Insurance

If you have a car, then you must have motor insurance. In fact, in many countries, before you register your vehicle, you need to have motor insurance. As a car owner, you will come at some point whereby you will either need to renew your insurance or obtain a new one.

You will need to consider certain things so that you make the right choice.  The Utility Saving Expert will provide you with the best options when it comes to motor insurance. Let us look at some of the factors to consider when you are selecting the right motor insurance.

Kind of Motor Insurance

Since we have different kinds of motor insurance, you need to carefully make your selection when it comes to the kind of motor insurance that you need.

If you want to cover the common risks then go for the auto insurance, similarly, if you want to cover the uncommon risks then go comprehensive insurance. You should discuss with your insurance provider so that he advises you accordingly.

Premium Rates

black car on fire We have different types of insurance companies that offer motor insurance. Before you select a given insurance provider, ensure that you look at their rates. Their rates should be friendly and manageable.

Do not go to the insurance companies that you will not manage to pay their premium. Look at the premium rates for the same kind of insurance and select the one that suits you the most.

Clear Documentation

When you are selecting the right motor insurance, you must ensure that all the terms have been clearly stated. Always read all the clauses one by one before you append your signature.

In the event, you do not understand any part of the clause then ask the insurance agent to explain it for. The documentation should cover what you are looking for in the type of insurance.

Payment Frequency

You should note that once you take up an insurance cover, you may be required to renew it after some time. The payment frequency is, therefore, one of the things that you cannot afford to explore.

We have insurance companies that require their clients to pay all their premiums at once, while we have others that spread the payments throughout the year. Select the insurance company that has a payment frequency that you find is ideal for you.

Loyalty Discount

can distraught after an accident Last but not least, look for the insurance provider that gives the loyal discount. Select the insurance company that appreciates their clients.

We have several insurance companies that typically offer their clients with loyalty discounts depending on the number of policies that they hold with them. Identify such companies and discuss with them some of the options that they offer.


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All you need to know about Bluetooth car kits

Recently, the use of Bluetooth car kits has been increasingly gaining popularity. This is attributed to the perks that come with making phone calls and listening to music on your car stereo from your phone. Most cars, especially old models, need a Bluetooth car kit. Without this a kit, your car’s stereo will not be able to stream or play the songs on your phone. That said, this article looks at Bluetooth car kits and the benefits of having one in a car.

A Bluetooth car kit


Bluetooth is a technology that entails the transfer of information or communication between smartphones and Bluetooth enabled devices. Bluetooth car kits facilitate communication between smartphones and car stereo systems in vehicles without the Bluetooth feature.

Benefits of a Bluetooth car kit

A Bluetooth car kit has numerous benefits. This explains why most recent and expensive car models have built-in Bluetooth features pre-installed on their dashboard. Here are a few reasons that justify the essence of having this gadget in your vehicle.

Helps you play by the rules

Many countries do not allow drivers to make or receive a call while driving. In case you are caught up doing this, you will be in for it. To avoid being at loggerheads with the local authorities, why then don’t you consider having a Bluetooth car kit installed in your car? This way, you will comfortably and safely make or receive calls and enjoy music from your smartphones as you drive without raising concerns.

Reduced number of accidents

dash radio Trying to manage your calls or select your favorite playlist while driving is bound to take away your concentration from driving to your mobile phone. This may cause distraction and the same time confusion, which often leads to unfortunate road incidents. If a handful of drivers managed their calls when driving every day, the number of accidents would increase proportionately.


A Bluetooth car kit also allows you to get entertained as you drive. Initially, the only way you could listen to music while driving was to play in on your stereo. On the other hand, cars will built-in Bluetooth technology only allowed for making and receiving calls. With the Bluetooth car kit, you can now listen to your favorite playlist while driving. Not just that, you can also play also control your smartphone using the stereo controls remotely.…


Advantages of hiring collision repair experts

Accidents are occurrences that happen and are never planned for at any given point. Being involved in an accident is pretty scary, and the situation can be worse in case you are not able to get back to the road due to financial constraints or other factors. It is therefore essential that you get a collision repair center with experts in advance so that you can avoid inconveniences after an accident. The professional collision repair experts will help you recover faster by ensuring that you get back to the road faster since the experts will be able to repair your car in time. There are several benefits that you will get by hiring professional collision repair services. Listed in this article are some of the benefits.

Quick services

By hiring collision repair services, you will be able to have your car fixed quickly, and you will be able to get tonvhytii normalcy. This is because the experts understand the various models of cars and know what can suit your car. The experts will ensure that your car is only fitted with the required parts and nothing short of that or more than the expectations.

Availability and very reliable

Similarly, by hiring professional collision repair experts, you will be able to get the repair services at any time of the day. These experts will ensure that once you seek for their help, you will be able to get it because they are committed to being reliable. The collision repair experts will ensure that they can offer towing services for your car because they operate 24/7 and will be highly reliable to their clients.

Use of original equipment

nvnnbmbmThe collision repair experts are professionals who hold high levels of professionalism. For this reason, these experts will ensure that the customers get the best services. The best services will be guaranteed by the use of original spare parts which will be used in fixing your car. Not hiring professional collision experts can expose your car to more risks because untrained car repair individuals do not have the expertise of doing the job.

Knowledgeable staff

Most collision repair companies employ experts who are trained to carry out repair services. It is for this reason that you will be able to have your car handled by experienced and highly skilled experts. After the car is fixed, you will experience minimal car malfunctions. On the other hand, the experts undergo a continuous upgrade of knowledge and so will ensure your car receives repairs that are of the latest technologies.…


5 top benefits of using curved LED light bars on your vehicle

Do you have a car and you always get amazed with the curved lighting systems of other vehicles, and you want yours to look the same? Do you also wonder what the advantages of these lights compared to the old halogenic lighting systems are? Worry no more because I’ve explained in details on the top-most benefits these systems bare and it’s also a solution to most car lighting problems that add an extra spark of beauty to your vehicle once fixed. Check out the 52 inch curved LED light bar that you cannot afford to miss at a lower cost. The top five benefits of these light bars are:

They provide aesthetic benefits002

They compliment your vehicle and give it an excellent front look. There are many light bar brands available that enable you to fix them at any position of your vehicle. You choose what fits your vehicle model, and you can trim it effectively if you have a newer model of your car or truck.

Better overall night vision

Unlike ordinary conventional lights, curved LED lights provide a comprehensive coverage and fans out more light giving drivers’ better night vision. This is enabled by the special structural design of these lighting bars. If you want the best driving experience at night, then it is important for you to purchase this lighting system and fix them on your vehicle.

3D reflectors

These lighting systems are designed with 3D reflectors as opposed to the run-of-the-mill light reflectors which capacitate them to produce quality light outputs. They improve the light extraction of the curved LED lighting bars hence providing intense and brighter illumination. It gives you a comfortable driving off-road.

They are covered with a sturdy casing

They are designed and housed by a very tough outer cover to protect its internal components against damage. The hard-cover is also famous for high dust and waterproof ratings. Curved LEDs make the best companion with 4WD vehicles because they are hardy and made to last long by the solid housing.

A safer alternative to other off-road lighting devices


Due to their ergonomic design, solid housing, and 3D reflectors, curved LEDs offer a better option to off-road vehicles than normal lights that are easily damaged and do not provide better night vision to drivers. Secondly, they dispense light out smoothly hence making them fit for off-road vehicles. They also have a mechanism of dimming light intensity instead of changing the lighting bulbs.…


Common clutch problems

Your vehicle could have some problems when it comes to engine parts and mechanisms. Individuals are more aware of brake problems but do not usually take some time to think whether there could be something wrong with the clutch. Below are some basic and common clutch problems:

Noisy clutch


A clutch that is noisy can be caused by a lot of factors that could potentially damage your vehicle and its parts. The most vital part to keep in mind is not to ride the clutch. This implies that your foot should not constantly be pressing the pedal. This can result in the possibility of a bad pilot bearing which would require replacement with immediate effect. You can figure out this problem if the clutch produces a high pitched sound.


Slipping clutch

A smooth and slight slip is okay when you change the gear of your vehicle. But when it turns out to be harsh or starts to slip automatically while the clutch is engaged, then the problem needs to be taken seriously by the owner of the vehicle. Your car’s clutch plate requires repair or replacement work immediately. Avoiding to address this issue can cost you a lot because of the damages to other adjacent parts like flywheel and pressure plate.

Dragging clutch

This problem can be detected if the pedal fails to release. This is a common clutch problem that could be as a result of many issues like air in the system, a small fraction of oil or fluid, or possibly the presence of a high level of oil and lubrication.

Short lasting clutch

This pedal is meant to last for a long time although it is one of the most utilized components. This is usually due to bad driving habits. Too much riding can result in your clutch having a shorter life hence needing a replacement.

Clutch fluid leak

Clutch fluid and brake fluid are usually taken in an interchangeable manner. If you realize that the brake fluid is leaking close to the clutch pedal, then you have to take this issue seriously. If this occurs, then you will experience difficulty in changing gears.

Clutch master/slave cylinder failure

gbhjbjhvhhjbjbjThe clutch fluid usually travels from the master cylinder to slave cylinder and hence transfers the action of the clutch pedal to the gearbox and clutch. When the clutch is in a depressed position, the fluid flows from the master to slave cylinder so as to create a smooth clutch operation. If there is any leakage to these cylinders, it can result in making gear shifting difficult.…


The benefits of leasing a car

Owning a car has become almost an essential part of our daily lives. However, the current challenging times when it comes to the economy have made things a lot tougher, hence raising the need for better solutions. One option that is becoming more and more popular is car leasing. Instead of buying a car outright, leasing the vehicle offers you much more benefits than buying the car outright. Below are some major benefits of leasing a car:

Lower monthly payments


Single monthly payments are usually cheaper when compared to accumulating the money to purchase the vehicle right away. This will require you to get a car loan which will inevitably have some added interest to pay. The monthly pay out that is fixed is usually manageable, and one can plan for it easily. Additionally, when you lease a vehicle, you are only required to pay for the difference between the buying price and the predicted value of the car at the completion of the lease which is also known as the residual value. This is a lot cheaper, and it provides you with the flexibility to afford a more expensive vehicle even on the same monthly budget. If you compare it to the vehicle loan payments, the total cost turns out to be much cheaper.


No to minimal deposit

Leasing a car does not require any deposit, or if it happens to have one, it is an extremely low deposit which in turn lowers the monthly pay outs. Even though a deposit is not a requirement, no deposit car leasing is an option that is open to everyone. It relieves you of the stressful process of saving up for the deposit and also assists you to acquire the vehicle a lot sooner.

Reclaim VAT

When a vehicle is leased for business purposes, one can actually reclaim 50% of the VAT deducted on your contract. This is a significant tax saving, and it is also a money-saving instrument.

No worry about depreciation

vhvgvgfcfxdxdfdfOne of the most expensive parts of motoring is the loss of the value of the car over time. This is the reason individuals look at residual value to calculate its worth at the time you would have the need to sell it. When you lease the vehicle, this risk is transferred to the finance company, and you no longer have to be worried about it. When leasing the car, you know precisely how much you are required to pay, and by the end of the contract, you just return the car.…


Setting the standards in railway photography from around the world

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The Phantasrail Galleries are entirely the work of the author (Les Pitcher) and feature photos from the 1960s to the present day and cover many different countries.

Copyright on all photos in the different Galleries remain strictly with Les Pitcher.

All photos taken in the last 15 months have been taken using a Nikon D1 digital camera.