Monthly Archives: April 2017

Company Car Or Company Car Allowance – Which Should I Choose

Company Car Or Company Car Allowance – Which Should I Choose

If you have the choice of a Company Car or Company Car Allowance, you should check out how much Company Car Tax (or Benefit In Kind Tax as it is also known) that you would pay if you accept a company vehicle, and then decide whether to go for the Company Car or cash. You could be better off taking the car allowance and leasing a car yourself, even though the allowance is taxable.

The Cash for Car scheme has become increasingly popular with both employers and employees in recent years. Employers save time and money in not having to source, maintain and administer a fleet, although they must always be aware of their Duty of Care and Health & Safety responsibilities. And as an employee, you have more freedom to choose the car you drive, and you could even be better off if you dont spend all of the company car allowance you receive. However, some employers do stipulate the type and age of vehicle that is acceptable, according to the job you are doing.

If you choose to accept a Company Car Allowance, its worth considering Car Leasing vs Buying. Car Leasing (also known as Contract Hire) is simply the hiring of a vehicle for an agreed period of time for a fixed monthly rental. Unlike Short Term Rental or daily rental, a car lease is usually for 2-5 years, after which you can simply hand the car back with no further commitment or, in some case, you may be able to purchase the vehicle if you wish. Car Leasing is a convenient, cost-effective and hassle-free way of financing a new vehicle, and there are many benefits of leasing a car. It enables easy budgeting of your motoring costs, and the fixed monthly payments can even include servicing and maintenance. Also, theres no need to worry about depreciation or disposing of the vehicle at the end of the contract.

Dont forget that if you choose the company car instead of the company car allowance, all your motoring costs (except private fuel) will be taken care of by your employer including insurance, road tax, servicing and repairs. If you choose the company car allowance, you will have to pay for these things yourself.

If you choose a company car allowance and lease a vehicle which you use in the course of your job, youre entitled to claim from your employer a mileage allowance for each business mile travelled. H.M. Revenue & Customs approves certain mileage rates that employees can claim for business travel, and the current rate is 40p per mile. Check the HMRC website for the latest information.

Part way between the company car and a company car allowance is something called Employee Car Ownership. This is where your employer gives you a car allowance, but the company organizes the finance deal and takes care of insurance and running costs. This may also be worth considering if your employer offers such a scheme.

Old Banger Car Insurance, Is It Really Necessary

Old Banger Car Insurance, Is It Really Necessary

For many younger drivers their first car will typically not be a top-end sports car, in most cases it wont even be a new car, it will be second hand. This isnt a major problem since most new cars are ditched by their initial owners within a few years when the car is still in perfect working condition, simply because they are looking for the latest and greatest.

So theres a chance that young drivers will end up with a much older car as their first which should be cheap to insure and get them from A to B. With insurance rates being so high at the moment for young drivers they may be tempted to simply not get insured as it would cost more than the car is worth anyway. This is a huge mistake and they are taking an even bigger risk.

Car insurance is mandatory in this country (and the minimum cover for the entire European Union is third party cover at least) and being caught without valid insurance is a criminal offence and would incur a large fine and possibly points on your license or a driving ban. Many young drivers who are arrested for other traffic offences will also turn out to be uninsured too which would do them no favours when the boys in blue catch up with them.

So what can you do to keep the cost of this old banger down? Well there is a type of car insurance that may prove to be more apt for your vehicle: Third party, fire and theft. This policy would cover most of the incidents that may occur being theft and collisions that arent your fault but not cover damage your car receives if you were to be at fault for the collision. If you were to be at fault for a collision then it would cover the other vehicles damage but not your own, which may very well be a blessing in disguise as your car may be cheap enough that the repair costs would end up totalling more than the vehicle itself.

So third party, fire and theft car insurance can help drag your policy price down to an extent and would save you money in the long run as your insurance policy will not be covering damage you cause to the vehicle and save you some money on insurance premiums in the future.

Many young drivers are choosing this level of insurance as opposed to fully comprehensive for their first vehicle as it helps to keep the running costs of their first vehicle down and so they can start saving money for an upgrade when they earn a bit more and then can possibly cover a newer, more powerful car which they then would warrant needing fully comprehensive cover.

Auto Text Messaging Systems Are Great For Online Marketers

Auto Text Messaging Systems Are Great For Online Marketers

Auto SMS (Short Message Service) Systems are a powerful modern medium for internet marketing and mobile customer outreach. Although global companies have been able to use mass contact strategies through off-shore contact centers, Auto SMS marketing makes this tactic available to small and medium sized businesses. Affordable and very efficient, an Auto SMS system is a great way to instantly broadcast masses of marketing messages to multitudes of customers simultaneously.

With more and more consumers having access to smart phones and other mobile devices, and many of them preferring to make purchases using those devises, SMS marketing campaigns can produce great results. SMS marketing is far more complex than its predecessors – internet marketing and email-based advertising and selling. While they have no-doubt been born out of internet marketing and web-based advertising, the reputation of SMS marketing and Auto SMS Systems has increased of late, thanks mainly to the demand for mobile smart devices. A not so subtle difference between ‘pull based’ internet marketing, and ‘push based’ SMS marketing, is that one relied on the consumer to initiate contact, while the later often is the initiator of the marketing cycle. When aimed and timed correctly, SMS marketing campaigns are more probable than previous approaches to motivate consumers to use their mobile devices to make a purchase.

Auto SMS Systems, like any new technique or technology, must be completely tested before being used. Test message marketing could be a great way to test the usefulness of an Auto SMS System in your marketing campaign. Through test message marketing, you can run a pilot of your SMS marketing campaign, before a full launch. Many Auto SMS System providers and carriers permit either a limited or an infinite number of test messages. Other ways to test the Auto SMS System of your choosing would be to send test messages of your marketing ad to your own mobile device, and gauge it for present ability, impact and speed.

Testing your SMS marketing message can often flag relatively “minor” yet critical issues, such as with the message text font size or even color. Most Auto SMS Systems and service providers limit the number of characters that your SMS marketing message can contain. Such limitations may appear restrictive, but when combined with other complimentary SMS messages, can result in greatly weigh upon consumer choices.

As with the case of conventional phone, mail and even email marketing, Auto SMS Systems may also be subject to legislation. In many instances, industry monitors and network carriers offer best-practices to SMS marketers, such as allowing consumers the choice to either opt in or out of an SMS messaging campaign. SMS marketers can be severely penalized for not adhering to such guidelines.

Showroom Interior Design Can Boost Your Sales

Showroom Interior Design Can Boost Your Sales

Showroom interior design is a highly specialised blend of art and science that has really only come into its own in the last few decades. It blends a number of disparate fields of skill such as interior design, architecture, advertising and ergonomics. It is a highly demanding task as a well designed showroom should be custom designed and tailored for the kind of product or products it is selling. Such a store should make it easy for workers to stock the products and restock them when sold out and it should display the products in a manner most beneficial to them. A well designed retail location should also make the process of browsing the products and actually buying them an easy and relaxing experience for customers. It should make the entire process of selecting, finding and paying for the product as one that is totally stress free and fun.

The showroom interior design should have the single minded aim of converting every single visitor into a purchaser if not on this visit then hopefully on the next, just as the exterior of a well designed retail location should arouse interest and draw in visitors to the store. A well designed store should do all this and also provide a memorable experience in the mind of the customer that is closely linked to the brand. The store should provide reemphasis of the brand it promotes and should provide a positive association with the brand in the consumer’s mind.

Since this is such a highly specialised science, not every retailer can do the interior design the right way and there are a number of companies that provide this highly valuable service to retailers. These companies not only provide design consultancy for retail location but also the execution of these designs. There are various levels to the services as well and a complete ground up redesign is not always necessary for results. Sometimes just a reshuffle of existing components or new furniture and displays can make a difference. These companies provide short term and long term leases of furniture to retailers to help them sell more products and make the buying experience better for their customers. If you are retailer that is looking for the most mileage out of their existing retail location, you should see what these services can do for your retail outlet.

Check out the showroom interior design services on offer at

Car Insurance Benefits

Car Insurance Benefits

One of main concern for car owners who want to insure their cars safety is the price that they have to pay. What some people fail to realize is that what is more important are the benefits that they will get from their car insurance and not the amount that they will spend. Safety and convenience should be the top priority.

Car insurance benefits widely differ depending on your insurance provider, the type of car insurance you want and the benefits you want to include.

The most important car insurance benefit is the rebate or the back payment which you can claim from the insurance company if in case you got involved in an incident. If your car or vehicle is insured you do not have to worry about the costs of repair or payment for damages. You are sure that even if you do not have enough money in your pocket, you would not get into bigger trouble because of the repair and damage expenses.

Another important thing is the medical benefit which will cover for all the medical expenses. This includes laboratory fees and payment even for every single needle or pill that you will need. This applies to you as the driver, if in case you got injured. Or it can even cover for the medication expenses of the other party who was involved in the collision, in case you also have to shoulder this.

There is also the property damage benefit. Most of the time, it is not only the car that is damaged from the accident. It sometimes includes damage to properties like maybe a broken fence. Most insurance companies offer property damage benefit which will lessen your worries if in case you damage another persons property.

Comprehensive coverage is also another benefit you can avail from your car insurance. Comprehensive coverage covers all the natural calamity damages and even theft. So, the amount needed for the repair of the vehicle or replacement of the vehicles parts will be covered.

With a reliable car insurance, you do not need to worry so much if you get involved in an unwanted incident. This will save you from a major headache. That is why car insurance is a must for all car owners and drivers.

Value Of Car Insurance Policy

Value Of Car Insurance Policy

Importance of car insurance in India

According to motor vehicle act states that all the vehicles running in communal places should have Car insurance policy basic motive to cover third party liability.

There are two forms of policies for motor insurance

Third party car insurance policy
Comprehensive car insurance policy

Difference between these two policies

Comprehensive Car insurance policy also covers loss or damage to the vehicle itself by way of accident in addition to third party accountability and specified dangers, whereas Third party Car insurance policy answerable for the loss of vehicle owner or damage to life or property of the third parties.
Mode of insurance premiums

The car is not insured for reinstatement value and depreciated value

The tariff governed the finest rates for car insurance in India for all the companies that are operating here.
At what value car is to be insured – Depreciated value or reinstatement value?

The vehicle is to be done insured at the previous value in the local market for a related type of car for a same model
What factors are to be kept in mind for deciding the premium for car insurance?

On the basis of cubic capacity, usage of car, area of procedure and the cost of car projected for insurance make a decision about the premium to be paid.
What amount the insurance company pays at the time of an accident?

In situation of a mishap, the insurance organization makes payment for the cost including the labor cost and also the price of injured parts which can be replaced.

Bonus system

At the time of any accident for which a claim is registered in the occurring year on insurance organization, in the very next year, the insurance organization transfers the premium by technique of charging extra premium.

Minimum/ maximum percentages of the Bonus

The least amount Bonus is 20 percent & maximum is 65 percent.

What happens to the Bonus at the time of sale and transfer of vehicle?

Till the time he can argue bonus on next purchased motor vehicle, the bonus goes with the original owner.

What is exactly Voluntary excess?

It is totally client’s decision for paying firm amount of liability from each claim & for this car insurance organization offers a concession in premium.

Difference between voluntarily excess and compulsory excess

At the time of voluntary excess, client decides the reduction in premium on the other hand excess is imposed compulsory by the car insurance company. This will help you to take correct decision.

Simple Steps to Choose Quality Starter Motor

Simple Steps to Choose Quality Starter Motor

A starter motor is one of the most important engine parts in a vehicle. The motor starter is an electric motor that can be undoubtedly termed to be the heart of your vehicle. It takes the initial action that in turn brings every other action in your car in motion. The starter motor is a device that carries or generates heavy current and it withstands a lot of strain. It is fairly common to witness flywheel teeth getting detached and windings getting loose with the aging of the starter motor.

Being one of the most prominent parts of vehicle, starter motor should be in working order for your vehicle to run smoothly without any trouble. Often starter motor fails and it needs to be replaced by new ones. Hence it is always recommended to opt for a quality starter motor which will increase the dependability, performance and durability of your heavy duty vehicle. Motor starters manufactured by a trusted brand like John Deere will lead to a better start-up capacities and overall high quality performance.

Distributors in the aftermarket can offer you high quality starter motors at competitive prices than you’d get elsewhere. High quality starter motor brands undergo several performance and safety checks.

Cost-effectiveness is yet another benefit of spending a little extra and opting for quality brands. You can find quality brands like Deere starter motors at a trusted and professional distributors warehouse at a competitive price.

When you are looking for a replacement motor starter for your heavy-duty vehicle you must consider: > A quality brand name > The tasks you will need to perform > And buying capacity

It is a great idea to buy a new starter motor that comes with a warranty. Brands like Deere are well known for their durability and quality which can be found at an affordable price from a reliable distributor.

Starter motors are an important part of any vehicle, so dont forget to consider purchasing from a reliable brand that manufactures motor starters especially for heavy-duty industrial equipment or even domestic automobiles.

Coverking Molded Carpet Dashboard Coverstoughest Auto Accessories In The Market

Coverking Molded Carpet Dashboard Coverstoughest Auto Accessories In The Market

Dashboards determine the appeal of your car interiors. If your dashboards are vibrant and well maintained, you will have greater pleasure while riding a car. Are you concerned about the decreasing appeal of your dash? Do you want to safeguard your car dashboard against hazards and abuses? Well, you can easily maintain your dash with the Molded Carpet dashboard covers by Coverking.

Your dash is exposed to several hazards and extremities that cause damage to your dashboards. UV rays are the biggest culprits. Intense sun and heat cause severe color fading to your dashboards. Extreme sun, particularly in the Sunbelt states such as Arizona, wreaks havoc on the paint of your dash and cause severe color damage.

Sun is not the only culprit. Apart from sun, there are several other hazards such as dirt/dust, water etc make your car dashboards dirty and unpleasant as well. If not covered with an effective dash cover, such hazards will cause severe color fading and degradation of your dashboard.

In order to prevent such hazards, you need to get the quality dash covers. There are certain factors that determine the effectiveness of the dash covers. The dash covers you get must be snug fit. Only the dash covers that are precisely prepare keeping the specifics of your car make and model in mind can provide desired fitting and complete covering.

Molded Carpet dashboard covers are custom made auto accessories. Made of strong material, the dash covers are strong enough to handle abrasions, heat and other abuses. Manufactured through special thermal molding process, the car accessories are pre-molded and nicely embrace the complex design of your dash.

The tough material doesnt lose shape due to heat and prevents any possible slippage and sliding. Such a fitting and strength, guarantee greater convenience inside the car and optimum protection to your dash. Available in a huge array of pleasing colors, with the Coverking Molded Carpet dashboard covers you can expect optimum protection to your dash and personalized environment inside your car.

How to save on car insurance renewal premium

How to save on car insurance renewal premium

It is true that buying car insurance is equally important as owning a car. Car insurance saves us from many risks and hence it should be one of the basic things after buying a car. All inadvertent risks like accidents, third party damage or damage in natural calamities are covered with the help of vehicle insurance. Generally, we give more importance to new car insurance and car insurance renewal is never given a priority which sometimes causes problems as well.

Car insurance renewal is a necessity, so it should be renewed immediately after expiry. But these days buying car insurance is a tough task with lot of different options available. However, few wise decisions easily can help saving us money while taking a car insurance renewal policy. Below are the tips that can help saving us money: y:

Increase policy deductibles: By increasing you deductibles at the time of settlement of the claim can help you reducing your insurance premium. While buying new car insurance or car insurance renewal, this factor can help save you money. Deductibles are the part of the settlement which is paid by the insured and not the insurer. Hence, one can go high on deductibles but one should go through their budget before setting up sum for deductibles.
Comparison of various policies: Vehicle insurance online buying is the most easiest and convenient mode of buying insurance. We can buy new car insurance or can buy car insurance renewal via online medium through preferred insurance provider or through insurance aggregators. We just require some time to research and evaluate various options. One can use car insurance calculator India to determine the premium for the policy as well.
No claim bonus: One must remember a claim bonus which is generally provided by every insurance provider preceding a no claim year. This will help an individual in reducing their car insurance renewal premium.
Think twice about paying in installments: We should pay insurance premium in one go and not in installments as most of the carriers charge administration fees which can make our insurance premium shoot up. So, one should pay their car insurance premium upfront if possible.
Avoid lapses in coverage: We should avoid lapses in coverage as it can disqualify an individual from receiving various discounts. Insurance companies use lapses in coverage to increase you premium.

Well with the help of above mentioned tips, one can save some money. Vehicle insurance online must be preferred over other methods as it is economical and car insurance calculator India must be used in order to get better coverage.

Autocitysd – Looking For Used Cars to Sale

Autocitysd – Looking For Used Cars to Sale

Cars for sale are available in outlets of the manufacturing company. These can be test driven and checked. It is very convenient to know about the varieties of vehicles available and select as per individual needs. The color of the cars can be customized and also a few features inside the vehicle can be changed. Nowadays, purchasing a vehicle is not that much difficult due to the easy availability of loans provided for the same. This has made the commodity affordable and the demand for it has been ever increasing. It is now a necessity for many.

With the advancement in technology, cars for sale are available even online. One who has knowledge about using the internet can easily find the website of any manufacturing company through a search engine. The websites generally give the details regarding the cost and features of the models of vehicles that they offer. One can browse the websites of various companies and select the car that best suits his needs and fits in his budget. It is easy to find financers even online. The main advantage is that only a few documents are required to obtain a loan for this purpose.

Used cars are also available in the market for resale. These could be resold by the owners who do not intend to continue using them further. They are serviced and any problems that they had are sorted out and the car is made fit for use again. Second hand cars are available at very affordable prices and are generally bought by those who are not eligible to get a loan for a brand new car. There are various outlets which specialize in buying and selling second hand cars. The dealers inform the buyers about the kind of use a car had and the time for which it is pre used.

Used cars are available online. There are specific websites designed for such cars. One can look for a good deal to get a vehicle that is well used and can be bought for a reasonable price. In fact, websites also have this feature of being able to compare two or more cars. The user only needs to enter the required details and the website can suggest which one would be a better option in the long run. The dealers selling such cars also provide buyers with additional services like changing the color of the car, etc.

All the cars are not easily affordable for common man and as a result most of them are looking out for cars for sale as it could be acquired within a cheap rate.This is possible if you directly check with the used cars functioning in your city.