Motor Racing

Jackie De Burca asked:




What is a car fleet insurance policy? Simple, it is a motor fleet insurance policy made up of purely cars with no mix of other vehicles such as vans or haulage trucks, taxis etc.

Many fleet insurance policies consist of just cars although the range of vehicles covered can be wide and varied such as combinations of:

High Performance Cars - Subaru’s, Mitsubishi , Evo’s, Lotus etc

High Value Cars - Aston Martin, Porsche, Rolls Royce etc

4 x 4’s - Land Rover, Porsche, BMW, Ford etc

Hatchback / Saloon Cars - Ford, BMW, Volkswagen, Audi etc

Environmentally Economic Cars - Toyota, Pirius, Honda’s etc

The list of cars would be endless but hopefully you start to get the impression that fleet insurance can cater for all types of vehicles!

Your fleet car insurance can also cater for any trailers you may need to attach to your cars, trips abroad, breakdown cover, uninsured loss recovery and fleet insurance experts will discuss with you your needs and suggest solutions which you may not have previously considered.

Car fleet insurance experts should advise and look after you and your company’s needs at all times.

You are as individual as are your car fleet insurance requirements - something you should remember when other fleet insurance brokers attempt to send you along a route you may not be comfortable with!

Finding the right Motor Fleet Insurance for your business can be a daunting task. Despite popular opinion there are various levels of cover you can request from your Fleet Insurance. Your Motor Fleet Insurance needs to provide the right cover for your vehicles as well as your drivers. There are three levels of cover you can choose from:

Comprehensive

Third Party Fire & Theft

Third Party Only

Some fleet insurance companies will also allow you to have varied cover on your fleet insurance policy.

In addition to this cover you can also be offered certain extensions to your motor fleet insurance policy which may include:

Windscreen cover

Breakdown Cover

Courtesy cars

Legal Expenses Insurance

You need to give careful consideration as to who will drive your vehicles as the higher the age restriction the larger the discount you will receive from your fleet insurance company. Some of the more common restrictions you can opt for are:

Any Licensed Driver Over 30

Any Licensed Driver Over 25

Any Licensed Driver Over 21

In addition, if you have particularly sporty or expensive cars to be covered by your fleet insurance you may wish to voluntarily restrict the driving age just for these vehicles. This is to demonstrate that you are not going to let your 18 year old apprentice drive your Porsche!

Finally your fleet insurance broker will need to know the type of use for your motor fleet insurance. Examples of these are as follows:

Haulage

Carriage of Own Goods

Private and / or Public Hire

Social Domestic & Pleasure use only (SD&P)

SD& P and Business Use

Carriage of hazardous Goods

Airport Side Use Extension

Hopefully reading this has made you more aware of the varying cover a fleet insurance policy can offer you and your business.

IC asked:




Ford is a well known brand across the world, it owns 33% of Mazda known by its modern cars featured in films such as the Fast and the Furious, Jaguar, Aston Martin and many others. From its many car models, one of the most famous is the Mustang. Manufactured and engineered to be a muscle car, this particular car model stands away from the rest by it unique design and power. The best part is that due to this model’s reputation the company keeps improving and redesigning it to deliver a high quality driving machine every single time.

Ford Mustangs are highly customizable sport cars and in recent years have shown many modifications to its design. The wheelbase in both versions (convertible and coupe) are 101.3 inches, the curb weight varies just a tiny bit from the convertible to the coupe models, the curb weight of a mustang 2 door convertible is 3257 pounds while the two door coupe is 3077 pounds. As far as fuel capacity both models, convertible and coupe can hold up to 15.4 gallons. Both models can comfortably accommodate 4 passengers.

As far as design, second and third Mustang generations were not as good as the first one but the machinery quality improved. Second and third generations range from 1974-1993. During the 1980s Mustangs were going through a hard transition when Ford announced that they would replace the rear-wheel drive Mustang with a Mazda-derived four wheel drive version, luckily for them and its clients the fourth generation of Mustangs came along, this generation of fords is almost as welcomed as the first due to the significant redesign this model went through.

The 1994 Mustang coupe was starting to show signs of potential and greatness but it wasn’t until 1995 when the GTS model was introduced to the market. In 1996 Mustang’s engine went through a major upgrade, this is when the Windsor 5.0 L engine was replaced by 215 horse power 4.6L SOHC Modular V8 engine and in 1998 the SOHC engine was increased to 225 HP through aggressive PCM calibration a larger exhaust and a modified fuel system.

As far as power, the 3.8 V6 engine sent developed 145-190 horsepower, the GT 5.0L V8 sends 240 hp to the back axle.

In 1994-2004 models Mustang GT’s power was increased to 260hp and consumers have loved this car ever since, that’s not even mentioning the awesome “MODs” available which include new decals, bumpers, paint work, rims, etc. Not only it is extremely reliable and stylish but many consumers have reported that it’s stereo system beats any other manufacturer-installed car stereo in the market, it has an extremely good bass, the midrange is perfectly set as well as the highs.

Aston Martin is also an outstanding fast and high end Ford-owned driving machine which delivers great power, speed and style but that’s another article.