Buying Boat Insurance

One of the first questions that you should ask yourself when buying boating insurance is what the best cover is for you to protect your boat if something goes wrong? In this article we have prepared a short guide which may help you to choose the most appropriate cover for you and your new purchase. Asking yourself why you need boat insurance is a fair question and surprisingly it is actually not a legal requirement to have insurance for boats on the water. Having appropriate cover makes sound financial sense for you especially in the case of an accident so looking into what you need is paramount.

There are marine mortgage companies that offer compulsory insurance as part of their money lending process however there are two reasons why boat insurance is not a “would like to have” but a “must have”. You have to protect your investment against loss or damage which could ultimately result in a large and costly repair bill if the worst were to happen. This is something you definitely don’t want! Secondly if you don’t have adequate insurance you cannot be protected against third-party liability for injury or damage caused by you or the boat. Companies like who sell boats will mention this during their sales pitch. This can be very pricey if you’re not insured. A lot of things can influence the premium that will be payable whether you buy a tiny little boat to large superyacht or a fast jet ski, each boat will attract a different level of risk. Insurance for boats is categorised according to the boat type it goes about saying that a large boat with a powerful engine costing several hundred thousand pounds will be far more expensive to insure than a smaller less powerful craft like a JetSki.

A super yacht will have a very different risk assessment for the JetSki or a tiny wooden boat or a dinghy and you should consider the type of vessel and any potential repair bills before calculating your premium. The area in which you intend to keep and use the boat will also have an influence on the level of premium you pay. This can actually have restrictions on your cover for as it needs to be assessed for local weather conditions. If your boat is able to be trailered and spend a large amount of time tucked away on your drive you will likely pay something different than if it is stored at a marina. Make sure that you are aware that trailered boat can actually only be covered under your car insurance so if you’re trailered boat causes an accident it is your car insurance that will take the hit not your boat insurance. When looking for a policy the level of premium is obviously very important but it shouldn’t be the deciding factor. Try and strike a balance between costs versus benefits and ask are there any replacement costs issued on the new for old basis and ensure that your policy covers any cruising round.
You can get third party insurance that provides protection for you or somebody using your boat from claims made by other people for death or injury or damage to third-party property for which you can become legally liable. Whether you buy your policy from a specialist insurance broker, from existing car insurance companies or just online, they all have their own merits the main point is that you only insure the appropriate and don’t scrimp on the cover if your demands are likely to be high.

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Hiring A Car For A Christmas Holiday

Everyone loves a Christmas holiday, but paying for all the family to go on the plane, train or even ferry can be expensive. Driving across Europe is always fun for everyone and you can hire a car or people carrier through a website like and get the whole family involved in a weekend away at the best Christmas markets. Whether you are travelling abroad or staying nearer to home, we’ve put together our top destinations in a two-part guide that will get you right in the festive spirit.

Found in the romantic square of the Austrian capital, twenty-five markets spring up on the beautiful cobbled streets which promise elegant gifts in a unique and truly festive setting. The entire city of Vienna get involved with the events, a tradition that began in the 17th Century. The Viennese Christmas Market stands directly in front of City Hall with a charming backdrop perfect for traditional shopping. The highlight other than the delicious aromas that dance from stall to stall are the beautiful voices of international choirs as you search through for that perfect and unique gift for your loved one. There’s nothing quite like a Viennese Christmas Market and taking the time to book a break and have a look around is something you won’t regret. The home to the oldest Christmas market in Europe, in Strasbourg there are three hundred stalls promising handcrafted gifts, decorations for the tree and indulgent treats for the taste buds. Not forgetting of course, the rich heavy flavours of the traditional Bredle sweets you can find at every corner. The winter wonderland is always best late in the afternoon as the Christmas lights turn on and the smell of cinnamon and gingerbread waft through the air. If you’re not fussy on lights, then going earlier in the morning means more time to look with less crowds. If you’ve hired your vehicle through a site like you could get fabulous discounts and offers so always check online before you go.

Always famous for its beer and chocolate choices, Brussels is unsurprisingly a favourite amongst the lovers of the Christmas period. Easily accessed via a hop on the Eurostar, it is perfect for finding Christmas gifts without the fuss. Festively lined in an array of Christmas trees and colourful mood lighting, the market exudes a fantastic festive atmosphere and houses excellent shopping opportunities. The ice rink centred in the market square is perfect for the family and a fun and exciting way to build an appetite for sampling Belgian culinary delights.

There’s nothing like the festive atmosphere of a Christmas market whether that be at home or abroad and being abroad sometimes can make it feel far more authentic than the German Christmas Market in Birmingham. The season to start decking the halls and serve up homemade gingerbread men and mulled wine is very nearly upon us and to kick off your Christmas shopping you need a winter break to get those special presents sorted. Stalls around Christmas markets are heavy with wine, meat and roasting chestnuts. You’ve just got to get involved! Ultimately you have many choices for where you decide to go for your Christmas market break, and that choice lays with you!



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Purse-onally, You Should Know The Used Car Costs

Buying a car can be a difficult task, especially if you’re not all that great as negotiating a great deal. Dealerships and private owners practise a type of sleight of hand which is not always intentional but for the savvy car buyer, is picked up easily. Everyone understands that buying a car costs an arm and a leg but no one wants to buy a car with lots of hidden costs and spend hundreds or thousands more than intended in finance charges, fees and hidden mechanical issues. When you buy a car, you constantly look out for the tricks from the dealers or the private sellers and it’s the one situation that you don’t want to be taken for a ride. Pun intended.

Before you go ahead and buy a car online with someone like, you need to make sure you have the finance or cost of a car ready, plus a little bit more. If your chosen car costs you four thousand, have six thousand in the bank. This means that if you have interest charges, hidden insurance deposits or hidden running costs you have back up. A lot of experts suggest getting your finances in order before you go ahead and purchase as this way, you can be covered. Fees for a new car tend to vary depending on whether you’re buying a new or used car and you can be saddled with a fair few fees up front. Ensuring you have savings ready to cover fees that may pop up is a smart thing to do.

There may be other add ons and extras when it comes to buying a car so getting the right insurances, extended warranties and any anti theft devices for your car will be important. Where you can, never buy an extended warranty on a new car where possible. Wait to see how the car operates. If you’ve been sold a lemon, it’s best to know about it before you go right ahead and splurge money on warranties you won’t need. Take time to research what you are hoping to purchase before randomly going ahead and impulse buying the first car you see. If you don’t research the history of the car then you only have yourself to blame when things go wrong. Getting a history of the car means that you can see how many owners the car itself has had and you can get a good gauge on how the car will fare.

A history report will also offer clues that may indicate whether the odometer on the car has been jimmied and rolled back. If you don’t properly look into the history of a car, you could end being sold a vehicle that doesn’t run properly, that requires a lot of repairs and maintenance and a lot of the time, a vehicle that has been cut and shut. If you’re not familiar with the term, it is when two damaged cars have been sliced in half and then welded back together. It’s an awful term but it does happen and this is why research is so key.



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Guide for Valuing and Selling Your Car.

Selling your car can be a tough business because you have to match the value of your car to your expectations for selling. It is natural to want to get the best price for your car but putting the price too high can put off potential buyers. Most potential buyers always expect to be able to haggle and not pay sticker price on a second hand car. There are a lot of free valuation services online and company websites such as can give you a value of your car for same day collection.

Calling round local dealers to get a quote on your car is another way to value it and knowing what they would pay can really give you some insight on what you should be willing to accept from buyers or companies. Do as much research as you possibly can before setting a fixed price for your car. Of course if you’re going to use a site like for selling your van you’ll likely be offered a price that’s not the exact same level as local dealers – local dealers tend to haggle with you whereas you can get cash the same day. Even when the deal is done, you will still have some paperwork at a loose end. You’ll need to inform the DVLA straight away that you are no longer the registered owner of the car. That way you won’t be chased for road tax or MOT information and you’ll need to remember to send off the V5c slip. Easy peasy. Lastly if there is any outstanding warranty on the car remember to let the car company know. Also you’ll need to ensure that you update your insurers. Last thing you want is to continue paying insurance on a car that you no longer own.

Be realistic with any price you hope to be offered. You want to remember that if you choose to sell instantly you may not get the exact price that you want. You would likely get the price you want and the full worth or more of your car by selling it yourself but who wants the hassle of advertising and risking prospective buyers not showing up?

You have to be very careful when it comes to selling your car online. There are plenty of reputable sites for your vehicle like but then there are others that are not so reputable. Placing a private advert for your car can mean you need to tread carefully as while the internet can be a godsend in some ways, in others it can be dangerous and a magnet for scammers. There are a good few websites that have ways of protecting against scammers, nuisance callers and canvassers. Phishing scams are rife among the internet and fraudsters who know you are selling a car can send emails in attempts to hack your information and passwords.

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7 Tips for Overnight Bus Travel

Taking an overnight bus while travelling is often a fab option. You can cover a lot of the journey overnight as the roads are much emptier than in the day and you can save a lot of money on a flight or a hotel stay. While there are positives there are negatives to nighttime coach or bus travel. It is a challenge as your body is used to a soft warm bed at night not an upright seat. In this guide we have put together seven tips for travelling overnight on a coach.

  • Staying safe is key. Check the route you’re going and look up any road works that may be happening. A lot of people don’t realise that roadworks happen overnight in the most part because they’re asleep and not travelling. Check the route you’re on isn’t common for robberies or accidents at night. You don’t want to be sat at 3am on the side of the road waiting for a company to come out that specialise in bus and coach damage repair.
  • Go first class. If your coach company offers first class seating (as some double decker coaches do) then go big. When you have to travel overnight, comfort is as important as anything else!
  • Make sure your seat is in a comfortable position. If you’re sitting near the window you have the option of leaning against it for a sleep but if the passenger sat next to you is also asleep this will not do you any favours if you are bursting for a wee! The middle of the bus is generally a safer place to sit as the chances of serious injury in an accident is minimised.
  • Be vigilant. It is so easy to fall asleep on a warm coach. You’re essentially being rocked to sleep in a very warm and comfortable chair and that can be a green light for a thief. Wrap the handle of your bag around your wrist and cross your arms over the top. Turn it toward you so no pockets are facing outward. Otherwise invest in a bum bag that straps to you and keep your valuables in there.
  • Energy drinks and snacks for the journey are an absolute essential. Try not to pack water, as they make you pee, so packing energy drinks like lucozade will keep your electrolytes replenished without making you need to go. Bladder being empty for longer means you aren’t disturbing other passengers or using a yucky coach bathroom.
  • Bring tissues. Most bathrooms on coaches are severely lacking in tissue paper so having your own in your bag means you are unlikely to get caught short if you absolutely have to go.
  • Night rides last 6-12 hours for the most part so make sure your headphones are noise cancelling. This is for your comfort as well as that of those around you. Most people can’t read on a moving coach as the motion can make you sick, so listening to your own music or show on an iPad means you can block out the snores of other passengers.


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Top Tips for Long Distance Driving

There are a lot of reports now that state there are increasing numbers of people who travel long distances in their cars for holidays and leisure trips instead of planes or trains. There is a real joy in driving long distance and even on the roads today, which can get really congested especially during school holidays, there is a real sense of freedom and adventure. The roads unfold ahead of you and you are able to chart your own course and sometimes that is the most exciting part of an adventure.

Thing is, without proper planning, your exciting adventure can easily turn to a nightmare. Accidents happen when care isn’t taken and we all read about long distance car and coach journeys that end badly when crashes happen. If you’re on the road making sure you have a notebook with phone numbers for bus coach damage repair and the number of your car service repairs would be handy.

Keep your car in great condition. If you keep servicing your car regularly and check the basics before a long journey you’re more unlikely to have an accident. Checking the oil, water and fuel levels before a long journey and checking tyre pressure and that the lights work can really only help. Having a regular service especially before you go on a long distance journey can ensure that your car is in great physical shape and able to withstand the demands of the road. If not, that’s where the backup phone numbers in the boot come in.

Pack an emergency bag for the boot. Not just with torches, folded cones and batteries, but with spare fuses and bulbs, a tyre inflator, a litre of engine oil and an atlas. You could also keep an emergency overnight bag with bottles of water, blankets and cereal bars and even a shovel for those random breakdowns in winter that can happen. Plan your route carefully and make sure that you are going past a decent tourist attraction or two while you’re on your way. It can of course add time to the journey but you’ll definitely enjoy the trip!

Taking regular breaks is one of the cardinal rules of long distance driving. Taking a 15 minute break every two hours to avoid exhaustion is smart as exhaustion is the biggest cause of driver-related road accidents. As long journeys can get quite tiring and let’s be honest, boring, what about some entertainment along the way? We aren’t suggesting playing catch or i-spy, try word games and guessing games and sing alongs!

Dodging the motorways and going the scenic route is a definite option for a long journey. If you happen to be travelling on the school holiday weeks then you are well aware that so is every other parent in the country. Taking the less travelled roads mean that you can do your best to avoid the traffic and too much congestion.


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