Commercial van insurance for every business owners

Commercial van insurance for every business owners Commercial van insurance are mainly for vans or vehicles that are used for business purposes only. If you intend using your van for commercial use then commercial van insurance is what is required for that purpose.

The objective of a commercial van insurance cover is for the protection of your van with any content that may be included inside, it also covers your business against any eventualities that may occur in future. However, they usually do not come cheap thats why most prudent businesses set out for cheap van insurance policies to cut overhead.

Drastically reducing your outgoings to a minimum is a viable means for running a more lucrative business, this also includes shopping around for the best quality van insurance policy for your business vehicles that won't cost you an arm and a leg..Getting the cheapest insurance can save you money at the beginning but on the long run you could end up loosing a great deal due to the type of policy you purchased. So it's good to always be thorough when looking for the most appropriate insurance for your business otherwise yoo could end up loosing out on the best policy for your business.

There are various insurance policies out there, but the specific cover that you require could depend on various factors and criteria for you to obtain. Such factors might include the capacity of the van, age and model, period of cover and much more.Most insurance providers will certainly provide you with insurance coverage designed for private, sole trader as well as company van use along with with different grades of protection.Full comprehensive cover, third party fire and theft and third party only cover are the major insurance cover that all major insurance companies provide on a regular basis.

The fully comprehensive insurance coverage is for the protection of every eventualities perhaps that why it's the most cumbersome and most expensive policy you can buy. Comprehensive cover protects against liability for accidental deaths of any individual involved in an accident, covers against injuries sustained and also covers against damage to properties of any party.Comprehensive van insurance also covers against any damage to both you and the third party's vehicle after an accident, protects against theft, burglary, vandalism and also entitles you to a free van when your vehicle is off the road for repairs.Always make sure that if you're going to be living tools and other contents in your van, they must be covered under your policy against theft.

On the other hand, third party fire and theft policy cover would protect against any liability caused by any third party that includes vandalism, fire, theft , any accidents and of course burglary of your van.Third party fire and theft covers unlike comprehensive policy does not honour a claim if the third party to the accident isn't insured at the time of the collision.The last and final insurance cover is the third party commercial cover. Often the least expensive out of the entire three policies and also very basic or simple cover, it protects your van against damages caused to a third party only. It's so unfortunate to note that your business van cannot be covered by this policy due to it's short comings compared to more extensive policies like comprehensive and third party fire and theft cover. 

However, if you're involved in a collision, you would have to pay the repair cost of the third party motorists.To fulfill your legal obligation of being legal on the road you can get a van that's worth next to nothing and take out a third party cover only . This will save you money on the long run and ensure you remain legally insured on the road. No matter how much you use your van, you can also customize it with additional add on on offer by commercial van insurance firms. Add ons like ability to drive other vans, being able to drive in other countries whilst being covered, being protected up to your legal expenses all come very handy in the course of your business operations.

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The worst regions for mobile phone theft

With 264 mobile phone thefts reported to the police every day, we reveal the areas where you're most likely to be a victim.

If you’ve ever had your mobile phone stolen, you’re not alone. In fact, 264 mobile phone thefts are reported every day. This is according to research from insurance company LV=, which also found such crimes have increased by 25% during the past three years.

Pickpocketing is the most common form of mobile phone theft with one in six victims having their phone stolen this way.

Crime hotspots

If you’re planning a trip to London’s Hyde Park, you’d be wise to keep a close eye on your phone – 163 mobile phones were stolen in the area between May and August.

Over in Wales, police in Cardiff have received 125 reports of phone theft in the Greyfriars Road area so far this year.

Other high risk areas include Sheffield city centre, where there have been 1,309 thefts. Likewise, the Castle Ward in Leicester and Bristol city centre are also hotspots.

Gadget insurer Protectyourbubble.com also conducted similar research earlier this year. According to its data, those in Brighton are 4.4 times more likely to have their phone stolen than the national average. Next up, Manchester residents are 3.8 times more likely to fall victim to this type of crime.

In contrast, Hull and Sunderland experienced low levels of mobile phone theft, Protectyourbubble.com found.

Any chance I’ll get my phone back?

Sadly, the likelihood is that your phone is gone forever. According to LV=, only one percent of stolen phones is ever recovered... not great odds, then.

In fact, the research indicates that 40% of victims don’t report the incident to the police.

You could increase the chances that your phone will be recovered if stolen by adding your International Mobile Equipment Identity (IMEI) number to Immobilise – the national property register. The IMEI is unique to your phone and normally found underneath the battery.

Should I take out insurance?

The answer to this question inevitably depends on the type of handset you have. A couple of years ago, I had my phone taken by a pickpocket on a bus. Considering the handset had only set me back £10, it wasn’t a great financial loss, but it was infuriating nonetheless.

Even if I’d had insurance at that point, the excess would almost certainly have been more than £10, so there would have been little point in claiming.

If, however, you own an iPhone, Blackberry or Android, it could be worthwhile taking out cover and a number of insurers specialise in gadgets.

Alternatively, you might be able to add your phone to your home contents policy, which may mean it’s covered away from the property.

Mobile phones and your data

If your phone is stolen and the culprits get hold of information about you stored on the device, you could be at risk of identity theft.

To minimise the risk, it’s wise to remotely erase all your data if the phone is stolen.

A number of apps such as Where’s My Droid and Find My iPhone allow you to trace missing phones and, if necessary, delete data such as your contacts, social networking accounts and call history.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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FTSE 250 movers: Fenner, DCC, Chemring, Rank Group

British manufacturer of industrial belting products, Fenner, rose to the top of the leaderboard after analysts at Citgroup reaffirmed a 'buy' rating for the stocks. The company said revenue and earnings ...

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Home equity loan rates for July 25, 2013

Here are the average home equity rates from Bankrate's weekly survey of large banks and thrifts.

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Hot Car Deal - Toyota Auris

Which? Car news: We've found three great deals on the Toyota Auris - a direct descendent of the best-selling Corolla - including the Auris Hybrid.

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Auto loan rates Chapel Hill, North Carolina

Shopping for auto loan rates in Chapel Hill, NC? There are some good deals out there. For example, one lender in our survey is offering 1.74 percent on a 48-month new-car loan. That's much better than the average rate of 4.01 percent. To find the best rates in North Carolina, use our tools. Car loan

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Homebuilders feel the love

The future looks bright for the nation's homebuilders.

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4 times you can save by spending

Here are four times when spending more can help you save.

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Auto loan rates in Eugene, Oregon

There's no doubt that it's a good time to be in the market to finance a new vehicle. Auto loan rates in Eugene, OR, and in cities throughout the nation, are low. In fact, you can currently pick up a 48-month new-car loan for an average of 4.01 percent. Use our tools to find the

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Your biggest wastes of money

Buying flashy cars and not planning for the future are just a couple of mistakes people make with their finances.

Unfortunately, there is quite a gap between what people would like to do with their money and what they actually do. For many, buying a house, taking trips with family or even retiring may present difficulties if drastic changes aren’t made in spending and saving habits.

Financial planning is vital for attaining realistic goals. Investing for the future should be a regular habit.

Here are some common financial mistakes that people make.

Not paying bills on time

Many people look at credit cards as a means to improve their lifestyle. So the end of the month rolls around and you receive that dreaded envelope in the post from your credit card company.

If you've ever paid a bill late, you will have probably noticed that you're charged a fine.

Brushing aside your bill or ignoring it all together could be detrimental to your credit rating and cost you more through the interest payments.

Trying to make an impression

Just because your neighbour has a flashy new TV, doesn’t mean you need to get one.

Buying for status is perhaps one of the worst financial mistakes. There is no evidence to prove that impressing others with a fancy car can make you happier. In fact, the debt you take on while acquiring these assets could prove to be costly. Never think about what others have as there are financial consequences of buying more than you need.

Overusing credit cards

Time and time again cards are used to purchase the smallest of things – from a loaf of bread to a packet of crisps.

The cost of the items you have charged becomes the purchase price plus interest. Before you know it, you’ll have filled the car up with petrol, bought a new duvet cover and have acquired the entire Monty Python DVD box set. Next time you make impulsive purchases, ask yourself if what you are buying is worth the interest.

Not planning for the future

Taking control of your spending and managing your money can help pave the way to achieving financial goals.

Failure to plan ahead can be a result of inexperience or may even be attributed to ignorance and fear. Although you may not want to face the future, it is just around the corner and without significant planning, you will find life much more difficult.

Lack of life insurance and health insurance could leave you in a difficult situation if problems were to arise. After all, life insurance is an asset for an individual.

Acting as a guarantor

Those of you with good credit may sometimes be tempted to guarantee a tenancy agreement or mortgage for a friend or family member with a history of financial problems.

But be prepared for what this implies. When you guarantee a mortgage or tenancy agreement, you’re taking on a risk that a professional lender or letting agent won’t take. If they can’t repay the debt, then you will be responsible for it. You may be better off staying away from playing the sugar daddy or a good Samaritan and keep your financial records on track.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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ANIMAL MAGIC

Is there anything more thrilling than spotting wildlife in a natural habitat? Saga Holidays has created tours so guests can enter the greatest animal kingdoms on earth - without paying the earth.

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Which? Car Survey: The most reliable cars of 2013

Which? has crowned the budget-friendly Peugeot 107 the most reliable new car of 2013.

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Understanding commercial van insurance?

If you use your van just for business reasons instead of social and domestic pleasure then commercial van insurance policies are an essential purchase for your business. The goal of commercial van insurance cannot be overemphasised. Nevertheless, it is intended to protect against any kind of scenarios in the near future; for instance, in the risk that your van becomes stolen- the van insurance provider is more than prone to compensate the depreciated value of your van.

 

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Considerably reducing your expenses to a minimum is a possible means for running a easier enterprise, this also consists of shopping around to find the best quality van insurance policy for your business vans that won't set you back an arm and a leg. Purchasing the lowest cost insurance would undoubtedly save you loads of cash at first. However, your business could still pass up substantially in the event the right coverage isn't choosen, so be meticulous when analyzing your van insurance demands prior to staying in a particlular cover.

The sorts of insurance policies that you can secure is often dependant on several requirements, factors like level you would like to be protected by, the make and model of the van, or possibly vehicles that you own and the term of the protection.

A number of insurance providers gives insurance coverage to private firms, sole traders and big business owners as these protects ranges from diverse levels. The three or more principal styles of covers that you may obtain for your van comprise of fully comprehensive, third party fire and theft and third party commercial.

The most costly as well as most complicated sort of insurance coverage is the fully comprehensive cover mainly because it has a tendency to safeguard every type of accidents as well as accidental injuries that may take place. The comprehensive insurance policy is a cover that protects against damages to the belongings of parties involved in an automobile accident, protects against accidental deaths resulting from a vehicle accident and finally, covers from injuries sustained due to any sort of accident.

Comprehensive van insurance also covers against any kind of harm to both you and the 3rd party's vehicle after a major accident, covers against theft, burglary, vandalism as well as entitles you to courtesy vehicle when your van is off the road for repairs. If you store equipment in your van subsequently it is really worthwhile confirming that these can also be protected through your comprehensive insurance protection.

In addition to the comprehensive policy, third party fire and theft tackles the security of destruction, losses and also liabilities resulting from third parties which includes fire, theft, burglary, vandalism as well as collisions as well. It is prudent to remember that this sort of insurance policy protection will likely not protect you and your vehicle if the third party does not have his/her own insurance in the course of the car accident.

Third party commercial van insurance policy is usually the lowest priced, and most significant form of van insurance policy not to mention protects you from any kind of damages to a third party. Due to the fact third party insurance coverage usually do not safeguard against your company's car, you'll be responsible for repairing the car belonging to the 3rd party if it's established that you were responsible for the accident.

An old banged up van that cost next to nothing could be used for your business to avoid high cost of insurance policies. By taking out a third party policy only, you could fulfil your legal obligation of being legal on the road whilst saving loads of your insurance premium monthly.

No matter how much you use your van, you can also customize it with additional add ons on offer by business van insurance firms. Add ons like ability to drive other vans, being able to drive in other countries whilst being covered, being protected up to your legal expenses all come very handy in the course of your business operations.


One of the best approach of obtaining cheap van insurance (http://www.cheapestvaninsurance.org/) is by doing a  van insurance comparison on quotes proposed by insurance firms. Also corporate organisations get incredible bargains on their commercial van insurance therefore keeping part of their outgoings to a minimum.

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Car Insurance Coverage in Mexico

A driver in Washington State sits at the border crossing with Canada waiting to be interviewed by a customs officer. During that wait he might be thinking about meeting up with friends or relatives in Vancouver. He might be thinking about sites he plans to see while in Canada. He may be thinking any number of things; he probably won’t be thinking about is car insurance. But the California driver crossing the border into Mexico doesn’t have that luxury.

The United States and Canada have a reciprocal agreement whereby both recognize car insurance policies written by companies in the opposite country. There is no such agreement between our country and Mexico. So while you can travel in Canada without buying Canadian car insurance, you cannot do so in Mexico. If you plan to drive your car south of the border you must purchase an insurance policy written by a Mexican company and recognized by the Mexican government.

Short Trips versus Long Trips

The good news about driving in Mexico lies in the fact that you can get a pretty cheap car insurance policy to cover a short-term visit. The bad news is that Mexico has some very strange and strict laws concerning car insurance and accidents. Let’s start with distance first.

Mexican law creates a “buffer zone” in which Americans can operate their vehicles while still considered being in the country on a short-term basis. There are two types of zones known as the Border Zone and the Free Trade Zone. If you plan to venture outside one of these two zones Mexico requires you to file for recognition as a vehicle importer. And unfortunately, imported vehicles command a higher price for car insurance.

Accidents and Criminal Investigations

The other quirky thing about Mexican traffic law is the fact that all auto accidents, no matter how minor, are investigated as criminal matters until it can be determined otherwise. Practically speaking, this means an American driver would automatically be suspected of a crime if he was involved in an auto accident.

If the crime investigation reveals the driver did not have proper auto insurance that individual is quite likely to do some time in jail. In cases where a court forgoes jail time, he still could face severe fines, vehicle seizure, and a temporary or lifetime ban on re-entering Mexico.

Purchasing Cheap Mexican Car Insurance

Fortunately for Americans, purchasing cheap Mexican car insurance is fairly simple. There are lots of companies offering policies online you can purchase in just a matter of minutes. Should you prefer to get your policy through a human agent, there is no shortage of Mexican insurance companies located in border cities.

The most important thing to remember is to get your insurance documents written in English. Either that, or be fluent in Spanish. You don’t want to pay for a policy that provides you with little or no actual coverage. The only way to know that is to read it for yourself.

 

Happy trails!

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Historic bell stolen from arts site

Thieves have stolen an historic bell from an arts centre in Ireland.

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Ancient coins stolen from museum

Coins dating back more than 800 years are among a £53,000 hoard of artefacts stolen from a museum storage facility in Derby.

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Refinance in Fairbanks, Alaska

On the lookout for tips regarding a refinance in Fairbanks, AK? Expand your strategy and let us do the work for you. Now may be the best time for you to refinance, but use careful consideration and our guidelines to make your decision. As data fluctuate, our search function gives up-to-date information on the lowest refinance rates in Fairbanks and

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Figures reveal fuel prices increase for January

Today the AA have revealed that fuel prices have increased by 5p a litre in just one month, highlighting that predictions of an increase were correct.

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Credit card use to cost holiday-makers £327m

A uSwitch survey suggests up to 12 million holiday-makers could rack up £327 million in card fees this summer. Which? shows you how to avoid these fees.

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Techniques For Acquiring That Hard-to-find Cheap Van Insurance Quotes For Your Small Business

Everyone likes to save some money, especially in the current economic circumstance. Consider it or not, an important area you could be cutting down is on your insurance to your van. Getting the right insurance is imperative and it protects you and your vehicle against a lot dangers, not to mention that it’s imperative legally within the UK. – http://www.cheapestvaninsurance.org/

Which means you must have insurance coverage, but it does not mean it’s a must to pay off a excessive quote. Yow will discover cheap offers, however you must know how to accomplish buying your insurance. Here’s a look at some excellent money saving ideas you should utilize as you search for an awesome deal when protecting your newly purchased van.

A – Invest Some Time Shopping All-around In the beginning, if you wish to lower your expenses in your van insurance coverage, you are going to spend some time in buying around. It does not need to take a lot time though. Typically the web has made comparison buying simpler than ever. All it’s a must to do is bounce online, visit some comparison sites on the internet, fill out a fast form and you’ll be evaluating rates instantly. Simply be certain that you at all times have a look at more than the price. Finding the proper cover can be necessary, so evaluate core features and price for the most effective all around bargain for your needs.

B- Decrease Your Charges with a Larger Voluntary Excess Another way though which you can save and lower your charges is to go along with a higher voluntary excess. It’s a very simple rule of thumb to bear in mind. The bigger your voluntary excess you select, lower the amount on the insurance coverage is going to be to suit your needs. Simply maximizing the main voluntary excess simply by a few pounds could make a huge impact. Work out just what you can afford to pay as voluntary excess. Therefore go with it option to make sure you save on your van insurance coverage premiums.

C – Don’t Permit Your Insurance to Lapse Do not permit your insurance to lapse if you wish to avoid wasting money with your van insurance. In case you wind up allowing the coverage to lapse, insurance companies are going to take a look at you as a huge risk. They could even suppose that you are somebody that is irresponsible. In lots of cases you’ll end up paying out more for the insurance you need, in case you have left your insurance on the van to lapse. Make sure you preserve your policy going, even when you have to go along with a brief time period choice, while in search of the perfect long term coverage for your needs.

D – Look for Any Possible Discounts Make sure that you search for any possible deals. Many individuals do not understand what number of reductions are available and they never assume to look for them or ask about them. Saving a little occasionally with discounts can really add as much as a nice financial savings in your policy. You can find reductions for purchasing on-line, discounts for a number of insurance policies, secure driving discounts, discounts for safety devices and more.

Ask about discounts available and try to get each discount that you simply can get. The extra discounts you get, the extra you will spend less on your van insurance policy. In concluding, you can easily obtain cheap van insurance, low cost van insurance quote, tool insurance, cheap quotes from 1st central car insurance as well as Autonet van insurance by doing adequate and quality van insurance comparison when searching for van insurance.

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Dos As well as Don'ts When Searching For A Less Expensive Van Insurance Quote

Getting the best van insurance policy should be a easy experience. You discover the precise policy, obtain an excellent price and get your van insured. Nonetheless even the easiest tasks provide their own hazards fixed.

Cheap van insurance is a prime example in this. In writing, it is an easy process, but it's important to be cautious of potential points, reminiscent of spending well over the percentages or perhaps acquiring the unsuitable type of policy entirely. Nevertheless to help you avoid this kind of potential stumbling blocks, right here is a information to five of the most common errors that individuals execute while buying and also restarting their van insurance coverage policy.

1. Providing Incorrect Data.

Cars are developed as multi-purpose vehicles. Subsequently the insurance that protects them is required to have an account in consideration of these kinds of likely uses. This will add a a number of complication to the application course of and will in fact result in needless blunders being generated in the info an individual present.

For example, in the event you forget to name a daily driver of your vehicle or even claim that it is used for a objective while it's truly utilized for another, this may trigger major problems. Making an allowance for of which insurance is a authorized requirement, in case your policy is invalidated by any errors, it's possible you'll encounter more considerable issues in comparison with merely finding it a little troublesome to make a profitable compensation claim.

2. Not Verifying Your Coverage Before Restarting It.

A 12 months period could be a very long time in the life of any vehicle and a corporation. A lot of things can change during this period, some of which may need to be mirrored within your insurance. Lack of ability to be able to correctly update your particulars may lead to many of the issues featured in the previous section. Whilst a cheap offer may be what you are after, finally you wish to possess van insurance that can really offer you the policy you need.

So ensure you spend time and energy to review your current renewal request consider these as a chance to make any crucial modifications even if it is just a minor modification in your anticipated twelve-monthly usage or even including a brand new individual. Use your present policy for a marker and then prepare adjustments to suit. Modifying it during the use of your current coverage may find yourself costing you a regular fee each occasion, so it's price executing it whenever you've gotten the chance.

3. Failing To Check Out the Rates From Other Insurers.

While you might be completely happy together with your present insurer and still have obtained a good offer on your new policy, that do not necessarily imply that it might not really end up being improved for in other places. Look on-line and observe. Use your current similar details along with a wide range of insurers to see specifically what is obtainable for your needs and also find out the place savings might be generated with out being forced to decline your current stage of cover.
This is actually straightforward to do, and thanks to the actual Internet, it is amazingly accessible and also fast too. So there should be no reason for spending more for the same policy by way of ignorance.

4. Assuming They Are The Same Quotations Along With Other Insurers.

Presently there are usually obvious similarities in between the two forms of packages; nevertheless, you will discover additionally an identical amount of differences which mark them apart. In case you are generally not cautious you could neglect important advice (again, as detailed in the first part) or perhaps leave your self seriously under covered. Understand your van, actually is worked for, where it is actually parked as well as whom will be using it. Solely by getting all of this right would you have a policy that really gives the cover required.

5. Buying Excess Amounts Or Too little Highly recommended Policy.

If you are anxious that you haven't used the proper particulars or overstated the level of protection that you required, you can be much more likely to shell out more than might be firmly crucial on your insurance policy. If you happen to have not yet utilized beforehand, seek the advice of someone who has to receive recommendation or even get in touch the insurance company for them to guide you along the process. A cell phone query is usually a good way to find out issues as an individual go alongside, so long as you've all the data handy obviously.

Provided you're really serious with regard to getting the perfect viable cheap van insurance (http://www.cheapestvaninsurance.org) deal however just refrain from these obstacles. In view that these routines are definite to prohibit you from your ideal target- safeguarding money on your van insurance premium. Certainly there are a few other powerful methods to adopt when looking for techniques to fork out a lower van insurance monthly premium- one month van insurance (http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html), cheaper van insurance quotes as well as , cheapest car insurance quotes also several other van insurance comparison approaches that will enable you purchase cheap van insurance quotations within minutes.

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6-month CD rates in Raleigh, North Carolina

Rates are low throughout the country. Yet, one bank in this survey is offering 0.61 percent on 6-month CD rates. That's over four times the national average. You can use our research to shop for the best CD rates in Raleigh, NC, today. Before you settle on a lender, make sure to check out the

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Sporting registration plates to go on auction

From Thursday June 7^th, the DVLA will be auctioning some of its most coveted personalised registration plates- and they certainly come at a price. In the past decade, football related number plates have sold for thousands in auction: ‘WE57 HAM’ (£57,000), ‘AR53 NAL’ (£36,000), ‘V1LLA’ (£35,000). This year’s auction will see ‘FU1 HAM’ go under the hammer, perhaps another dedicated fan will become the proud owner of this number plate.

As an official licensee of London 2012, the DVLA will also be auctioning new Olympic Games related plates: ‘2012 OG’, ‘GO11 DEN’. These are sure to go for particularly hefty sums as well, as prized mementos of this exciting event.

So if you’re thinking of bidding for one of these fabulous registration plates, you’ll want to be saving a little elsewhere – be sure to compare van insurance with The Van Insurer and find the cheapest van insurance quote for you.

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Top Four Van Insurance Coverage Money Saving Tips

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China’s business stars set to burn brightly in the West

Unheard of in Europe, six executives have ambitious plans for growth, says Andrew Cave .

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France's Evian Resort Golf Club reopens

Yesterday (July 1st) saw the Evian Resort Golf Club reopen following a nine-month closure for refurbishment.

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UPDATE 1-Insurer Admiral's profit rises on UK strength

British motor insurer Admiral reported a better-than-expected 7 percent increase inhalf-year profit as an improved performance at home outweighedwider losses at its fledgeling overseas businesses. Cardiff-based …

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Can Your Car’s Computer Be Hacked By Terrorists?

By Aaron Crowe

Cars have become rolling computers, with enough computing power to run the engine, brakes and play music and give you directions.

The critical electronics systems in cars make them vulnerable to hackers, leading to “different safety and cyber security risks,” according to testimony by David Strickland, the chief administrator for the National Highway Traffic Safety Administration (NHTSA) before a Senate committee in May. Last year the NHTSA opened a cyber terrorism department to keep track of vehicle software issues that could make them vulnerable to attack.

Hackers could take control of a car’s accelerator, brakes or deploy an airbag, for example, causing a car to crash. An investigative reporter died in a car accident in June, which former Cyber Security Czar Richard Clarke said a car cyber attack could have played a role in.

For now, there’s less chance of terrorists causing a lot of cars to crash at once because there’s not a lot of code written for malicious attacks on cars, says Damon Petraglia, an information security and forensic expert at Chartstone who has led cyber-crime and breach investigations.

But it can be done, Petraglia says, with such methods as shutting off a car’s power steering and other ways that a car is connected through the Internet.

“All they need is for a couple of people to be hurt or killed,” creating mass panic, he says.

It’s a big enough issue that U.S. Sen. Jay Rockefeller asked auto experts during a recent Senate Commerce Committee hearing, “Can some 14-year-old in Indonesia shut a bunch of cars down because everything is wired up?”

Some of the ways a hacker could get into a car’s computer, Petraglia says, include when a vehicle’s navigation system is updated, through a diagnostic port, and connecting a smartphone into a USB port in the car. QR codes, for example, can contain malware that can be transferred from a phone to a car, he says.

Sensors built into cars have been shown to have few security protections built in. The electronic control units used as tire pressure sensors have been used to track vehicles, and hacked to give the car bad data.

Hackers don’t have to breach a car’s software to cause an accident, but can get to them through wireless infrastructure that allows cars to be connected and warn each of speed changes, for example. The Department of Homeland Security has warned that Bluetooth-based traffic systems could be hacked.

As CheapCarInsurance.net has written before, personal information in a car can stay there after a car is sold or traded in, so it’s a good idea to have it erased from the car’s computer before you turn the car over. With all of the computing power in a car, drivers should think of safekeeping their car’s computer as much as they do at home, Petraglia says.

“We should be updating our cars’ computers as much as we do our home computers,” he says.

Pulling information from a server by accessing a website tells the server a little bit about yourself through your IP address, which lets the server know where you are.

Nissan Leaf owners ran into a possible security breach in 2011 when it was discovered that by using an Internet service in the car, their location was given to the service provider. When Leaf owners used the car’s telematics system to access websites, it gave out the car’s exact location and speed to the RSS-feed provider.

Automakers wirelessly update software, just as people do with their home computers and smartphone apps, and all are possible entryways for hackers, Petraglia says.

If hackers could get into OnStar’s RemoteLink system, they could do the same things that its customers do: Unlock car doors or turn the engine off.

Terrorists may not yet go after individual cars — preferring bigger targets with more potential victims — but that doesn’t mean that they won’t look for security breaches in cars as the newest way to panic the American public, Petraglia says.

“I don’t think it’s an area where we need to panic, but we do need to be concerned and the automobile manufacturers need to put controls in place,” he says.

There are several steps that vehicle manufacturers can take to combat hackers, says Alan Grau, president of Icon Labs, which provides security solutions for embedded devices.

One is secure boot with code validation to stop hackers from uploading malicious code into a vehicle, Grau says. Even if hackers can access the diagnostic port and upload malicious code, the secure boot would detect that the code isn’t valid and wouldn’t run the insecure code. It would only run computer codes that are certified from the manufacturer.

Another step is to add packet filtering for remote unlock and start commands that come from text messages and keychains. The vehicle would filter the message packets to ensure they’re from a trusted host, Grau says, and would prevent messages sent from hackers from being recognized.

One bit of good news for drivers is that car computers are less likely to be hacked because they’re not connected to networks. Though some cars, such as the Leaf, are connected to the Internet, and mobile phone apps make them more connected, “hacking a car’s computer is possible but very unlikely,” says Ankit Oberoi, director of Innobuzz, an IT security and ethical hacking training company.

That’s good news if you don’t use your car’s computer to get directions off the Internet or look for a restaurant while out driving. But sooner or later, you probably will.

 

Aaron Crowe is a journalist who covers the auto industry for CheapCarInsurance.net.

Can Your Car’s Computer Be Hacked By Terrorists? is a post from: Cheap Car Insurance News Blog

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New Yellow Light Study Aims at Improving Current Systems

According to a recent article published by the Insurance Journal, Hesham Rakha, the director of the Center for Sustainable Mobility at the Virginia Tech Transportation Institute, hopes to change the way yellow light systems work across the country.

Rakha and his team at Virginia Tech have been studying drivers' behavior and reactions as they approach yellow lights since 2005. Their goal is to determine signal times for intersections that are safer than those currently in use, while still keeping those signals efficient and practical to use.

According to Rakha, if yellow light timing is not set correctly set at an intersection, a "dilemma zone" is created. Rakha's so-called dilemma zone occurs when the driver approaching an intersection can neither stop in time before entering an intersection, nor can they safely make it through before the light turns red. In this situation, drivers who try to implement an emergency stop increase their risk of a rear- end collision, but if they decide to go through the intersection, a collision with side street traffic could occur. The choice can be a risky gamble. The research Rakha conducted found that while only 1.4% of drivers actually cross the stop line after the light turns red, more than 20% of traffic fatalities in the U.S. occur at intersections.

According to the article, current yellow light times are set for 4.2 seconds on a 45 mph road. Rakha explains that timings are based on the assumptions that drivers require one second to perceive and react to the change in signal, and that drivers requires 3.2 seconds to stop from 45 mph at a comfortable deceleration level of 10 feet per second squared.

To test this, Rakha used Virginia's Smart Road, located at the Virginia Tech Transportation Institute. The road has signals that allow the researchers to change the length of the red, yellow, and green lights. This let Rakha and his team study driver behavior by changing the signal when a test driver is a certain distance from the intersection. The research revealed that 43% of drivers who crossed the stop line during a yellow light duration were not able to clear the intersection before the light turned red.

Rakha's research also determined that the perception-reaction times were slightly longer than one second, but that driver deceleration levels are significantly higher than the deceleration level assumed for traffic signal design. However, if road conditions are poor, drivers react 15% slower because they are processing more information, which reduces deceleration by 8%. To remedy this, the intersection would require a longer yellow light interval.

Rakha and his team developed a procedure to compute and change yellow light interval duration that can account for drives being caught in the dilemma zone. The team created tables for light vehicles at various speeds for dry and wet roads to enable traffic planners to set traffic signals that can be adjusted to road surface and weather conditions. They also created tables for driving characteristics for different age groups, since studies showed that elderly drivers were not able to react to changing signals as quickly as younger drivers were.

Beyond their tables, Rakha and his team are moving on to development of caution lights that can hopefully be used on existing traffic signal structures. These warning lights will alert drivers when a green light is about to change to yellow. This would provide drivers with longer times to react. The team also hopes to take this a step further by implementing vehicle-to-vehicle and infrastructure-to-vehicle communication that can create a warning visible on a vehicle's in-car display, which can be customized to each driver's reaction time. The goal is to provide a four- or five-second warning when approaching an intersection.

The post New Yellow Light Study Aims at Improving Current Systems appeared first on CarInsuranceQuotes.net.

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Drunk Driving Classifications by State

While “DUI” is the most common classification for drunk driving, not every state uses DUI or driving under the influence when it comes to drunk driving convictions and arrests.

The following states use the term DUI: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Washington DC, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Maryland, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia and Wyoming.

Still, DUI is not the only classification for drunk driving in these states.  For example, in Colorado or New York you may also be arrested and charged with DWAI, which stands for driving while ability impaired. DWAI is a lesser charge than DUI, meaning that your blood alcohol concentration was between .05% and .079% at the time of the arrest. The sanctions against one’s driving privilege are also less for a DWAI charge.

Not as many states recognize the term DWI, which stands for driving while intoxicated. There are also certain states like Minnesota or New Mexico that only use the term DWI for drunk driving convictions. The states that use DWI are: Arkansas, Louisiana, Minnesota, Missouri, New Jersey, New Mexico, New York, North Carolina and Texas.

OUI or operating under the influence is a term used in the states of Maine and Rhode Island. OVI or operating a vehicle while impaired is a term used in Ohio. OWI or operating while intoxicated is a term used in Indiana, Iowa and Wisconsin.

There are also certain states that will use the term “OMVI” or operating a motor vehicle intoxicated. “OUID” or operating under the influence of drugs is used in some states. “OUIL” or operating under the influence of liquor is also used in a few states.

So as you can see just because someone is considered DUI in one state, does not necessarily mean that a person arrested for drunk driving in another state is necessarily facing a DUI charge.

Regardless of how your alcohol offense is classified, if you need SR22 or FR44 auto insurance, call Serenity Insurance for a free quote: 1-800-774-0520 or visit www.serenitygroup.com and submit a free quote request today.  Serenity Insurance specializes in providing SR22 insurance for drivers with alcohol offenses and has access to the most affordable rates.  Contact Serenity Insurance today!

 

 

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Why You Need A Short Term Van Insurance Cover?

Over the years long term van insurance policies have been particularly very well-known owing to the amount of people embarking on new corporations. However though, short term van insurance policy have in no way experienced the same amount of recognition due to the temporary nature of the usage of individuals vans.

 

Generally there are also short term cheap van insurance- http://www.cheapestvaninsurance.org/ coverage ideal for you that hardly ever implement your van. These non permanent van insurance can easily range from one day van insurance to twenty eight days van insurance coverage. There are selections readily available for individual usage as well as commercial use as well when it comes to temporary cover.

 

Additionally, why buy an all year scheme as you only makes use of the van on couple of days of the year? This is complete waste of money. Huge sums of money could easily be saved when you opt for short-term van insurance plan.

Specifically Tailored For Businesses in Need of Short Term Van Insurance Cover
If you are into business and you use vans for short periods of time then temporary van insurance policy is what you need.

Keeping a van insured all year round can be expensive especially when you do not use it all the time, but when you choose a temporary van insurance, you're guaranteed to save money instead of paying for a policy that you do not need.

Excellent for Vacations

If you are embarking on a short vacation with members of your family and close friends, you'll discover that having a short term van insurance protection is what you need if you're serious about saving money on your policy.

 

Perhaps you may never use your van on a regular and consistent basis but if you are going on a short trip with friends and family then you cannot do without a van because it's got more room.

 

In this case you'll need some insurance while you're gone, so some short term van insurance will be just what you need. Endeavor not to go on your short trip without getting a temporary van insurance cover that would protect you while you're gone away.

Quick and Easy to Get
You will additionally come across that private van insurance for fourty eight hours is simple and fast to acquire. They could always be purchased online and in just a few minutes you are able to get the coverage that you need.

 

Therefore, if you have a van which you barely drive, contemplate going with some kind of short term insurance when it's needed.

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Saving Money On Your Temporary Van Insurance Premium

The utilization of long term cheap van insurance policy is really so popular amongst everyone using their van on a long term basis. On the other hand, not every individual is aware of how abundant they can save for their premiums when they basically utilize their van on limited time period basis primarily. 

You could need a short term van insurance coverage that ranges from 1 day van insurance coverage to 28 days van insurance policy if your van usage is meant for short term use only. Another fantastic way to save on your premiums is the choice to choose whether or not you need a business cover or just a personal cover. So, why spend money for a protection plan that covers you all year when you only need coverage for a short while? 

You can certainly save a huge amount of money once you go along with personal van insurance for forty eight hours Get up to 36 quotes here- http://www.cheapestvaninsurance.org/

Specifically Tailored For Businesses in Need of Short Term Van Insurance Cover 

Business owners often look for van insurance coverage without actually knowing how much money they could save on short term van insurance coverage when they use their van on very short periods. Keeping a van insured all year round can be expensive especially when you do not use it all the time, but when you choose a temporary van insurance, you're guaranteed to save money instead of paying for a policy that you do not need. 

Suitable for Short Breaks and Vacations with Family Members 

You'll discover that having private van insurance is an ideal solution for your short term use of your van on vacations and holidays with your loved ones and close friends as well. While you may never use your van on a day to day basis, if you are going on a vacation, you may want to take a van since it has more room in it. However, if this scenario is true then there is no doubt you will not be needing an insurance policy of some sort. So a short term van insurance cover would be ideal for you. 
Try not to go on your vacation without adequate van insurance cover that will protect you while you're gone. 


Quick and Easily Obtainable 

You'll also come across that private van insurance for 48 hours is simple and fast to have. Within a few minutes you can easily receive the policy you need online or on the web, In concluding, if you have a van you seldom make use of throughout the year, then you will need to buy a short-term van insurance policy that should cover you for the period. You can also obtain one day van insurance up to 28 days van insurance cover here- http://www.cheapestvaninsurance.org/one-day-van-insurance.html

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Vehicle Insurance Facts To Remember Always

Nature of motor insurance

Some motorists cringe at the mention of 'car insurance premium'. This fear is not based on the renewal time looming- but instead, how they'll pay up another monthly instalment . Over the last couple of years, motor insurance premiums has seen a sharp rise in the motoring industry. It's now become the 'norms' for drivers to search for cheap and affordable policies- in order not to experience the consequence of not having one. And no matter how expensive a policy may be, it's still a necessity- read on to find out why having a policy is vital.

Is car insurance policy a necessity?

In most countries, vehicle insurance is considered vital for every motorist. In the UK for instance, the law enforcement agencies are always on the prowl to enforce drivers have valid insurance policies for the cars they use. Two of the major benefits of having a valid cover includes:

Coverage against claims from motorists or passengers looking to exercise legal obligation against a policy holder that is the major cause of an accident in which losses and or damages occurred as a result.

It's always advisable to always be on the right side of the law- driving without a valid insurance would lead to your vehicle being impounded or you may even risk a driving ban for not adhering.

Disadvantages of having no insurance cover when driving

Driving without a valid insurance policy constitute a driving offence. These are the consequences for driving without a valid motor insurance policy:

1. Not having a valid insurance cover on your vehicle can generate points on your licence- and if you accumulate up to 12 points, you then get disqualified from driving- which can be a severe blow when you depend on your driving job to make a living.
2. Bans are often given to drivers without a valid insurance coverage on their vehicle, however, large fines do accompany these fines depending on the degree of the offence .
3. Depending on the severity of a driving offence- whether being involved in an accident whilst not being insured or just being caught driving without a valid insurance, the amount of fine imposed will hugely differ in direct proportion to the severity of the offence.
4. There have been known cases of prolific offenders doing time for the amount of damage they've caused as a result of not having a policy.

Important aspect to consider in a car insurance policy

It can be rather confusing for new and young drivers trying to buy an insurance policy for the first time. The manner in which policies are written and structured can be extremely difficult for new drivers looking to purchase a car insurance policy- more experienced drivers within the family might need to explain it to them in simpler terms. However, there are vital factors to look out for in a policy before you decide to buy. These are primary factors to consider:

1. The 3 levels of cover you can select from includes: comprehensive, third party fire and theft and third party only.
2. Consider the Level of excess you're comfortable with- Should incase you're involved in an accident, you'll be required to pay the excess you chose at the beginning of your policy.
3. If your premiums are unaffordable then it's time to keep on comparing quotes until you find a cheaper and much more affordable quote.
4. Make it a point of duty to look at the special conditions that apply to your policy to avoid getting breaching the terms of your policy which can inevitably void your policy.

Five ways to obtain low-cost quotes from insurers

Cheapest car insurance company doesn't exist when your looking for cheap car insurance premiums. There are simply too many variables affecting the price of a car insurance policy: who you are, what you do for a living, where you live, the type of car you drive and your driving history, all contribute to what insurers use to determine the amount of premium you pay for your policy. Your sole objective will now be to spot the cheapest car insurance deal possible by:

1. Getting a car that's categorised to fall within the low insurance group. Some examples of cars within the low insurance group bracket includes: Vauxhall Corsa, Fiat Punto and Nissan Micra because of their small engine sizes. High insurance premiums are allocated to bigger engine cars while smaller engine vehicles attract lower premiums.
2. Increasing your excess levels would decrease your premium but exercise due caution when setting your level of excess because, the amount you state on your quote form is required of you in the event of an accident. Resist the temptation of inflating it, stick with an amount you're comfortable with.
3. Putting your motor vehicle in a secure garage at night eliminates risk of it being stolen or damaged. Keeping the risk of damage, theft and burglary to a minimum is what insurance companies prefer, so they reward drivers with lower premiums.
4. Install security devices that minimizes the chances of the vehicle getting stolen.
5. Shop around, compare quotes, use car insurance comparison sites like <a href="http://www.cheapcarinsurancex.org/" rel="dofollow">cheapcarinsurancex.org/</a> to compare over 110 insurance companies from selected low cost insurers.

Where to get low-cost vehicle insurance quotes

Discovering affordable premiums can some times become mission impossible. The most viable way of unlocking cheap quotes is to lower your risk factor to the bare minimum then begin to compare quotes from as many insurers as possible.

Vehicle insurance organizations do offer varied type of insurance products thereby offering different quote forms like- student motor insurance from cheapcarinsurancex, http://www.cheapcarinsurancex.org/cheap-car-insurance/short-term/pay-as-you-go, green car insurance-http://www.cheapcarinsurancex.org/cheap-car-insurance/green and so on.

Rounding up

It cost more to drive your car without adequate insurance protection than when you have a valid cover : The essence of being insured is to cover against any liability or litigation that may arise as a result of a loss or liability resulting from accident caused by the insured. Examples of risk motorists face for not having appropriate insurance cover on their vehicle includes- the risk of their cars been seized or destroyed by local authorities, fines, claims from other third parties and so on.

But driving with a valid insurance cover only gives you peace of mind because your insurer deals with any other issues that may arise as a result of you getting covered. So, be insured before you drive any vehicle on the road.

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