Showing posts with label Motor Insurance. Show all posts
Showing posts with label Motor Insurance. Show all posts

Sunday, August 12, 2007

Eco Insurance; Do your Bit

As a society we are fast beginning to realise that what we do has an effect on the environment around us. Upon realisation of this fact we start to wonder what we can do as our small contribution. Especially considering the carbon footprint for the average UK household which currently rests at 26,316 Kg of CO2.

Environmentalists believe that to halt Global warming we each need to shave 2,500 Kg off this amount a year, a figure nearing 10%. If we look at some of the key areas of CO2 Production in the household we see this is certainly a possibility; Gas, coal and oil account for 3,876 Kg, electricity 3,127 Kg and use of car 2,600 Kg.

These are certainly figures we can certainly do some work at decreasing. Take for instance your car; there are many options to avoid using it unnecessarily, try walking or using a bike if your journey is a very close one. Alternatively use public transport; a bus for example will save much CO2 production. Another suggestion in this area is eco-friendly car insurance. This is much cheaper than at its inception, with good deals now being found through many companies. These companies work by offsetting your CO2 production, investing money into green schemes such as; forestry, energy saving and renewable energy schemes. Consider buying a car with a smaller engine; be sure to check to consumption figures as not all small engines are as economical as you’d think. Another possibility is having your car converted to dual fuel or buying a diesel engine as this is much more economical on a fuel consumption basis. Who knows you might even save money on your motor insurance policy in the process.

In terms of carbon fuel reduction, such as coal, gas and oil, you can help reduce this by making your home more energy efficient. There are many way’s you can reduce your heating bills and save on your CO2 production. Are you windows double glazed? Is your loft insulated? Do you have cavity wall insulation? Do your appliances have good energy saving ratings? If the answer to any or all of these is no then you can make a big saving on CO2 production and indeed your utility bills by addressing these issues. Several insurance companies are now offering Eco house insurance amongst their policies, again using a percentage of funds to offset CO2 production. If you can find a company offering this whilst looking to renew you policy you can further shave more carbon emissions by the offsetting action it offers.

On closer inspection of the ethics of these companies they appear to be sound. They work out how much the carbon emissions will be on average for a vehicle or household and then aim to offset somewhere in the region of 20%. This is done by donating money to schemes which are developing alternatives to fossil fuels and forestry schemes whereby many new trees are planted which helps to absorb some of the carbon emissions in the short to medium term. If you consider that 20% of your average carbon emissions for your car works out at 520 Kg you are well on your way to shaving that 2,500 Kg of your household carbon footprint. With the added reduction from making your home more environmentally friendly you should be virtually there.

It’s not that hard when you think about it…………

by: Chris Rowlands

Article Source: www.articlesbase.com

Driving Abroad; the Age Old Question

I’m sure at one point or other you’ve all made or listened to jokes about driving abroad, driving round roundabouts the wrong way, etc. The reality of this can be rather more serious.

It’s all very well if you’re hiring a car in the country you travel to, but what if you’re driving your own car over to say France or another now easily accessible European country. Does your normal car insurance policy cover you?

The answer in some ways is both yes and no. Yes you should be covered on the majority of policies, as under European Union law a minimum level of cover is required in all of the member countries. This however is only really about the same level of cover as a third party policy, coincidentally the minimum level allowed by law in this country.

Then on the other hand when you think about it, no, you’re not really covered sufficiently. All the insurance will pay out for is damage or injury to a third party and no cover is provided for yourself. Many people do not realise how little is covered whilst driving in Europe and may presume they have comprehensive cover.

Most insurers offer a temporary top up to your motor insurance policy, often for up to a period of 30 days. This will cover you as a comprehensive policy and give you the peace of mind you require.

Not all providers offer this feature so it is advisable to check early, as if you cannot add this temporary cover, you will need time to seek and apply for a temporary policy with another company.

It is also important to have your car checked over mechanically before you attempt to make a long overseas trip, so as to avoid having to make a claim whilst abroad. This is also good general advice before any long road trip.

You may be able to find certain insurance companies who offer comprehensive European cover as part of their standard policy. This will take some research and a good idea is to use a comparison site to make the job easier by showing you what is and is not covered under a prospective policy.

The main things to remember when planning a trip abroad in your car are; Make sure you are covered (take extra cover if needed), have your car checked over mechanically, take plenty of maps, take many breaks and above all drive safely and carefully, especially in unfamiliar surroundings.

by: Chris Rowlands

Article Source: www.articlesbase.com

 

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