There are some people, like myself, who can go on living their normal lives without the need for a use of a car. Not that I have any burning desire to save the planet from Global Warming, nor is it because I lack the funding for driving lessons. More because I feel that I have no use for it right now and will make the effort to learn to drive one day when the circumstance is propitious. However, there are those who thrill junkies and engulf themselves into the world of Yamaha, Ducati or Honda – in other words motorbikes.

For those of you who fall into the category of thrill junkies, then it is worth taking note on a few points before deciding to make a motorbike your sole form of transportation. The most obvious of all advices is get yourself good lessons. You cannot buy a motorbike without taking lessons and learning to ride one, even if you do have a Class D Driving license. Then research into the type of bike you would like, if you are a rich millionaire then the choices are endless but this will effect the price of your motorbike insurance. This the next very important step into your biking research, so here are a few basic principles about this type of insurance.

There are two types of motorbike insurance. One that covers the rider only, this plan covers the biker to ride any other bike up to a specific size. The second type of insurance covers the type of bike not the biker. This does not automatically mean that you will receive a discount for not making a claim, if you have not been involved in an accident. Motorcycle insurance are similar to normal vehicle insurance, however there are minor differences such as carrying guest liability insurance in certain areas, which offers injury cover for anyone riding on the back of the bike. In addition, the insurance factors in your age, previous driving record, the type of bike you ride and where you garage it.

Other differences in motorbike insurance are as follows; collision coverage that offer cyclists cover for accident s and damages to parts – this does not include cover for customized parts; comprehensive cover that offers reimbursement for vandalism or theft; uninsured motorcycle cover, whereby if the other party who had hit you is uninsured you will be covered for damages loss of wage and medical bills; underinsured motorist which is similar to the uninsured motorist plan only this time covering for extra expenses should the other party not have enough insurance claim.

There are other important factors to consider when buying a new motorbike. The first vital piece of information one must understand is that when purchasing a new motorbike, keeping the bike safe and secure may be an issue if you live in a high-risk area. Therefore parking your bike at your local garage overnight is recommended and will reduce your insurance premiums.

For first time motorcyclists, it is always best to shop around first and get to know the terms and conditions of motorbike insurance. The problems that occur with this kind of insurance is that very often people can pay too much for their insurance and not know what type of insurance to go for – much like the dilemma of buying normal motor insurance. The best thing to do in such cases is to approach a motorcycle insurance broker, who can not only provide you with advice and information, but also direct you to the best insurance policy suited for you.

The deregulation of the automobile insurance market in Massachusetts, USA has delivered an unexpected change welcomed by consumers: a decrease in the ever-rising home insurance prices.

Insurers competing for auto business for the first time in decades are lowering premiums on homeowners’ policies for consumers who buy both types of coverage from the same company. In recent months, some of Massachusetts’ largest insurers, including Arbella Insurance Group, Commerce Insurance Co., Liberty Mutual Group, and Norfolk & Dedham Group, have shaved 3 to 20 percent off homeowner premiums by offering bigger discounts on com bined policies.

Massachusetts Insurance Commissioner Nonnie Burnes said last week that she had hoped, in planning to deregulate the auto insurance system, that it would “force insurers to pay more attention to their homeowner rates.” She is pleased with the results so far.

Gregory Donovan, a Quincy real estate lawyer, learned that his auto insurer, Commerce, was offering a discount to customers who moved their homeowner’s policies to Commerce. Donovan’s Westwood home was insured by Travelers of Massachusetts, so he asked his agent to see whether Travelers could match or better Commerce’s deal.

For tips on shopping for homeowners insurance, see tomorrow’s Homes section.

Travelers offered the same pricing on car insurance for Donovan and his wife’s two Hondas. But if the couple gave the company their auto coverage, they would get about a $145 break on their homeowner’s policy, bringing the annual premium down to $1,085. “It’s just a no-brainer to combine them if you can save,” Donovan said.

Before now, homeowner’s insurance premiums have gone nowhere but up, rising 9.2 percent last year in Massachusetts, compared with 3 percent nationwide. Since 2000, homeowner’s premiums have increased 85 percent in Massachusetts, to $950 on average, compared with a 63 percent increase nationwide, to $826.

These premiums exclude 150,000 homeowners who buy coverage from the state’s insurer of last resort, the FAIR Plan. FAIR Plan’s rates increased 25 percent in 2006 and 100 percent since 2000.

For the first time in Massachusetts, homeowner’s premiums have surpassed the cost of a single automobile policy. Except for the FAIR Plan, premiums on homeowner’s insurance in Massachusetts are not regulated.

Auto deregulation, which took effect April 1, brought new competition to the long-dominant auto insurers such as Commerce. To fight back, large auto insurers began offering bigger breaks on homeowner’s coverage. Meanwhile, insurance companies with a large presence on the homeowner’s side needed to protect their existing business from poaching. So they are reducing homeowner premiums through discounts on combined coverage.

“If Commerce offers a big savings on the car, they’re going to suck the homes away,” from competitors, said Stacey Souza, office manager at G.V.&Y. Insurance Agency in Westwood

Timothy Hegarty, president of the Norfolk & Dedham insurance company, said his firm increased its homeowner discounts last summer by about five percentage points, to 10 to 15 percent off, in anticipation of auto deregulation; 15 percent is about a $150 savings on a typical policy.

“The catalyst was the change in the auto market – there’s no question,” he said.

In October, Arbella also increased its discount for homeowner’s premiums, from 15 percent to 20 percent. Arbella wanted to keep auto customers while expanding its homeowner’s business, said Andrea L. MacKay, vice president. A drop in claims by homeowners during 2006 also paved the way for reductions, she said.

Arbella’s larger discount reduced the average homeowner’s premium to $699, from $730 last year.

Other insurers that increased discounts include Liberty Mutual and Commerce, while Quincy Mutual Fire Insurance is awaiting state approval to do so. Some insurers are also offering discounts for combined policies for the first time, agents said.

would it be possible to get insurance for a honda civic type r ( old model) in the uk

it would be my first car, so i would be 17 =D

if so, how much would it be

would it be possible to get insurance for a honda civic type r ( old model) in the uk

it would be my first car, so i would be 17 =D

if so, how much would it be

Just sharing a compilation of some pictures i have collected of 3rd Generation Honda Preludes [BA4 & BA5] (1988 – 1991). I myself own one and i see them as very special cars, however mine is still a work in progress. It’s unfortunate that they aren’t very popular anymore or perhaps never were. Most of the ones we see today are usually mis-treated or uncared for. Why can’t Honda make more sports cars like these again? =(. Anyhow hope you enjoy the video! **9th of January 2009** At around 10pm, my Prelude is a write-off. The body is twisted, and my right front wheel takes the place of my pedals. It has brought me to tears. No one was seriously injured in the accident. RIP My Loved 3G Prelude.

hi i have just bought a honda prelude which was imported from japan around 4 years ago. its automatic 4ws, silver, interior as new, exterior bit of respray and bit of rust on rear arches.
has a sport mode on gear selector too.

it seems fast id guess around 0-60 in 8 secs, but cant find antyhing on the net about this model and year .

does anyone know where i can find 0-60 time mpg and maybe does anyone want to buy it ? if so how much is it worth and if youre interested give me a ring 07726 506640 gary