kawasaki-motorcycle-black-and-whiteAutomotive Insurance, General, Tips

Best Motorcycle Insurance Companies

The words “cheap” and “inexpensive” don’t need to mean low quality when it comes to motorcycle insurance. Part of the allure of a motorcycle is its blinding efficiency. It uses less gas than a car, often requires less work to maintain , and best of all, the insurance rates are quite a bit lower. But that doesn’t mean you should go with just any company when it comes to your motorcycle insurance. You want someone that’s known as much for their low rates as their good service. That’s why we have compiled a list of the top three places to receive cheap motorcycle insurance that is as stunning in its efficiency as your own motorcycle. We’ll list them from bottom to top, ending in what we feel is the number one pick for any motorcyclist for cheap motorcycle insurance.

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#3 State Farm: Don’t think that just because they are at the bottom of the list that they are not a good company. State Farm has built its reputation as a company with a huge benefit: they offer insurance that covers your motorcycle for almost any reason. Prices vary depending on exactly what service you want, but it is a comfort to know their cheap motorcycle insurance covers your bike for any reason, even if your bike is damaged while you left it in the garage for winter.

#2 Allstate: They quickly rose to fame thanks to their slogan, “Are you in good hands?”, Allstate has also pushed the limit as an emerging pioneer in affordable Motorcycle Insurance. Besides their competitive rates, Allstate has made a name for itself by divulging all of the options available for Motorcycle Insurance. They’ll explain each benefit and show you why some coverage may cost more but is necessary, or why some may be a luxury adding an unnecessary cost to your premium.

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And now it is time to unveil the #1 place to purchase Cheap Motorcycle Insurance…

#1 Youi.com.au. You had to see this coming, right? You have to live under a rock not to see one of their ingenious marketing campaigns. They’ve figured out the perfect method to gain your attention: give you a commercial that has nothing to do with the service. So if you’re still wondering if Youi is all it’s cracked up to be, let us assure you they’re everything their ads promise they are: creative, professional, inexpensive, and above all reliable.

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harleydavidson-5Automotive Insurance, General, Tips

Premium Motorcycle Insurance

A premium bike like Harley Davidson is every biker’s dream and stealing it is a thief’s dream. So, to be on the safer side an insurance is very important. The company or product name also plays an important role. Harley Davidsons, sports bikes are a man’s fantasy and they would go to any extent to get it. Depending on its popularity and brand, the bike insurance is costlier than other bikes when it comes to a Harley Davidson motorcycle. But that is not to scare the bike riders. An insurance is a must.

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Since Harley Davidson bikes are expensive and branded, people who buy it are considered to be among sensible and grown up people. Sure, buying it makes one recharged and happy all the time, but there are other things as well that needs to be taken care of when buying a Harley Davidson bike. These heavy and good looking bikes are costlier than other bikes.

It is not very easy to mend these bikes when they get damaged and then the insurance companies take a lot of money if this happens. If you own a Harley Davidson bike, even if you are insured for it, damages can get you a nice long bill. Special care needs to be taken of this bike. It is super sensitive and can get damaged easily in terms of scratches. So it is very important to protect it from such damages. Also, a Davidson owner needs to be aware of bike thieves as bike thefts have increased day by day. They are too smart! Though there are many catches while buying a Harley Davison motorcycle, it always gives a sense of satisfaction if your bike is insured.

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A lot of people drink and ride bikes. In cases of Harley Davidson bikes, many cases have been found out. So, companies take this in mind as well while offering insurance.

The driving record that you hold can also play an important role while going for bike insurance. All the above things if noted carefully can help you own that marvelous machine –Harley Davidson!

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motorcycle-wallpaper-4Automotive Insurance, General, Tips

Four Ways to save Money on Motorcycle Insurance

If you ever owned a car, no doubt you have experienced the frustration of buying insurance with a premium price that doesn’t meet your budget. The same thing happens when you purchase a motorcycle. Don’t get stuck wondering why some companies offer such high prices while some others offer dirt cheap rates. There’s a logic behind the madness. Read more and we’ll explain four tips on how to make sure you receive the lowest rates possible.

#1 Switch to a different company

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This may seem like a bizarre suggestion, but just hear us out! Insurance companies rely on your assumption that just because you paid for a 6 or 12 month premium that you are stuck with it, even if you now have found a cheaper premium with another company. Don’t fall for this trap. Most insurance companies offer a full pro-rated refund if you decide to cancel your policy. If you find a policy with a different company that offers you satisfactory coverage at a cheaper rate, go ahead and cut the cord with your previous company.

#2 Compare major companies to local companies

Stop a moment to reconsider your notion of insurance. Think of it like you would any other commodity. If a product is purchased wholesale from the manufacturer, or in the case of insurance, from a big company, you are buying directly from the supplier. This often leads to higher prices unless you are willing to purchase insurance in bulk. But rare is the consumer that needs to purchase insurance for 100 motorcycles. Instead, we suggest going to your local vendor, or in this case, your local insurance broker. Just like the mom and pop shop that offers you deals no one else can, your local broker may cut you a deal no big company can match.

#3 Convince them you’re low risk

The insurance company bases the price of your premium off of how much of a risk they perceive you to be. This is called a Risk Premium. To have this rate lowered, you simply need to convince them you are not at high risk for an accident. You can do this by installing several kinds of anti-damage devices on your bike, storing your bike instead of riding it for most of the year, or by refusing to transport other passengers on your bike.

#4 Get experienced

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Similarly to our #3 tip, part of convincing your agent that you are not dangerous is to advance slowly as you purchase bigger, faster bikes. They want to know that you are not jumping from a bike to driving a car. Show them you aren’t by moving gradually to higher cc levels. Also, consider trading your bike in for a smaller model, as many insurers now give discounts when you downsize.

To find out more tips and how we can help you save money on your insurance, contact us today.

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The Many Aspects of Employment Law

Employment law, also referred to as labour law relates to the relationship between employees, employers, Government and the trade unions. It also pertains to the tripartite association between the workers, employers and unions. Employment law covers a broad spectrum of working conditions and is based on minimum acceptable standards of a workplace environment that an employee or contractor can safely work in.

The origins of employment laws can be traced back to the Industrial Revolution. As small scale industries became large factories and production centres, workers sought a change in working conditions for the better. Thus it can be said that the evolution of the modern labour law is a result of prolonged struggle by workers of that time against set social forces prevailing then. The foundation of the modern form of labour laws were laid in the late 18th till mid 19th centuries when regulated working condition laws were passed by acts of Parliament into specific legislation. Since Britain was at the forefront of the Industrial Revolution, the present avatar of Employment laws can be said to have emanated from that country.

The first efforts at regulating working conditions were primarily aimed to limit the use of child labour. Subsequent legislation in 1850 made reporting of fatal accidents compulsory and health safeguards for miners were put in place by 1855. By the end of the 19th century and the early 20th century, similar laws had been implemented in almost all developing and industrialized nations of the world.

However, there are no standardised employment laws around the world and different countries have their own employment laws that are suitable for them. For example working hours in developed nations are very strictly regulated with stringent payment structures for each hour worked. In developing and third world countries, per hour rates are not that prevalent, giving way to monthly payments. Additionally, these countries have a big unorganised work sector where employment laws are not implemented very rigidly.

Businesses will do well to find out the employment laws currently applicable. For example, a business owner in Victoria, Australia should contact employment lawyers in Melbourne for applicable employment laws. Similarly, employees who have a grievance against the employers and have been unfairly treated should get in touch with unfair dismissal lawyers for redress of their complaints in a court of law.

In such cases, both employers and employees can seek assistance from PB Lawyers, one of the leading law firms specialising in employment laws.

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