Other articles on Car insurance.

• Car insurance US / Auto Insurance US.
• Car insurance UK / Auto Insurance UK.
• Motor insurance.
• Recreation Vehicle insurance.
• Car insurance rate, (Auto Insurance Rate).
• Motorcycle insurance.
• Online car insurance.
• Auto cheap insurance.

What is a recreational vehicle? Do I need to insure it?

What is a recreation vehicle? Do I need to insure it?

The first questions to answer would be, what is a recreation vehicle and why would you choose to insure it.

A recreation vehicle is one that you would normally use to fun/relaxation. For example if you normally use your car to commute but on week-end drive a motorcycle then the motorcycle is considered to be a recreation vehicle. But on the other hand you use your motorcycle to go to work on hot days then the bike is no longer considered to be a recreation vehicle.

Some of the more common recreation vehicles are:

• Motorcycles
• Boats
• Snowmobiles
• Moto-cross bikes/trail bikes/Quad bikes
• ATV's (All Terrain Vehicles) sometimes used for trail rides or hunting
• Travel Trailers
• Motorhomes
• Caravans
• Personal Watercraft (jet-skis, Inflatable and so on)

Do you need to get a recreation vehicle insurance?

In almost every case the answer is yes, the most common reason is because most good insurance company will not charge you a premium for using a vehicle from time to time. You are usually not penalised for having a recreation vehicle. In most cases a recreation vehicles is well looked after, and because, by definition, it is only used once in a while, most insurance company will offer some very low quotes.

But the other important reason is because most recreation vehicles are not used as often so the likelihood of something happening increases.
You must accept that you are not as familiar with that vehicle as you are with your everyday one. So the likelihood off an accident increases.

You should always check with your insurance company that your insurance is up to date; it is often easy to assume that a vehicle is covered for, say, 12 months when in fact it is only covered for 6 months.
You must also ensure that you are carefully following the policy, if your recreational vehicle is an RV, (Motor home or Caravan), does your license allow you to drive it?
Is the vehicle itself 'legal', (can it legally be used for the purpose you are insuring it for?)
Remember that is almost all cases, breaking the local laws will null and void the insurance policy.

Bush Signs Flood Insurance Borrowing Bill

2005 - 11 - 22

The federal flood insurance agency, whose funds have all but dried up because of heavy hurricane claims, will be able to resume payments to flood victims under a measure signed by President Bush.

The legislation, signed by Bush late Monday, raises to $18.5 billion the amount the National Flood Insurance Program can borrow from the Treasury every year. The House and Senate each passed the measure last Friday by voice vote.

In September, Congress voted to raise the borrowing authority to $3.5 billion from $1.5 billion. But that level was quickly reached in claims from hurricanes Katrina, Rita and Wilma, and insurers were told to stop paying claims.

Full Story

Travel insurance vital to cover holiday 'breaks'

2005 - 11 - 22

Nearly three million people took a holiday without travel insurance last year risking their personal and financial health, warns American Express Travel Insurance.

Often for less than the price of a restaurant meal, millions of travellers risk facing the unexpected whilst abroad. The financial risk can be significant, particularly if a medical claim occurs. Even if your flight leaves on time, you and your luggage arrive together and you do not fall ill, you may still need to make a claim as Monica Manoras found out.

Case Study – A Sick Relative Requires A Detour

Monica Manoras, 29, planned an extended trip around Central and South America for over seven months. Monica planned to spend the first five months on organised overland trips then arranged to join up with friends for more travelling. She planned to visit twelve countries including Mexico, Honduras and Peru. However, eleven weeks into her trip Monica heard that her father had a suffered a stroke and turned to her insurance provider, American Express, to organise her emergency repatriation out of Guatamala and back to the UK to be with her father, Bambos. Fortunately, Bambos recovered and two weeks later Monica was able to resume her trip flying back to Ecuador.

Full Story

AA Insurance warns people to keep car keys safe

2005 - 11 - 22

With a car stolen every minute in the UK, AA Insurance is warning motorists to keep their keys safe as carelessness can be of concern.

Of those surveyed by AA Insurance, a fifth said that as the mornings get colder they leave the keys in the ignition to defrost the car, without staying in the vehicle.

And for those who have their car stolen in such conditions, insurance companies can "legitimately" refuse to pay out.

Furthermore, a third of Britons said they leave their keys near the front door, in easy reach of thieves.

Kevin Sinclair of AA Insurance said: "Thieves are turning to more ingenious ways to steal keys such as hooking them off a hall table or key rack by 'fishing' through the letterbox, so keep keys well away from the front door."

Full Story

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