Car Insurance

For many years the communist rule of Nicolae Ceausescu left Romania in a state of extreme repression and poverty, which thankfully led to a revolt where his powers where removed and he was subsequently executed in December 1989.

Since then Romania has been gradually improving, both politically and in terms of the overall standard of living. Tourism is a growing area which has greatly helped the country’s economy.

The country is probably best known for Transylvania, which lures tourists in with images of haunted forests, medieval towns, castles and of course the legends of Dracula.

Romania however, has a lot more to offer visitors than medieval castles and ghostly legends- it is both rich in culture and boasts some beautiful natural diversity.

One of the main problems is that a great deal of Romania’s charm lies outside of It’s major towns and cities, this coupled with the fact that it is the largest of the Balkan states, means taking in all there is to see can be difficult.

For this reason, if you are able to, then opting to drive during your time in Romania is an excellent option - this way you can stray from the beaten track where you may find yourself passing through one of the many rustic medieval villages while exploring the mountainous regions or maybe just relax on the sandy beaches of the Black Sea’s Coast.

Unlike some other European countries, to drive in Romania you must possess an International Drivers Licence, and to rent a car you must be at least 21 years of age.

One of the main problems those unfamiliar with driving in Romania have is the presence of horse-drawn carts and free livestock that are in abundance throughout the country. Therefore caution should be exercised at all times, especially during night.

Thankfully, in most cases all UK insurance policies automatically cover the minimum of what is required when driving in Romania, this being third party, fire and theft.

I’ve said it before, and I’ll say it again - working in discount travel insurance you hear of some pretty bizarre policies and claims being made. But of course, travel insurance is just scratching the very surface, and in fact other areas of insurance have even more strange insurance policies - and sometimes it’s the companies and not the customers with the odd decisions!

Football Fever

At the last world cup, passions ran high, and weird insurance policies followed them. Dutch insurance company SEZ ran a policy offering companies in the Netherlands protection against staff ‘pulling sickies’ on the days surrounding big matches for the national team. The firm would pay out for the first two days of sickness, if any employee was absent from work on the days surrounding Holland’s big matches.

But it wasn’t just abroad that World Cup fever dominated the strange insurance policies. On these shores, Paul Hucker of Ipswich took out an elaborate £1,000,000 insurance policy against England going out of the competition early. British Insurance offered the £105 policy, which would pay out a seven digit sum if England were knocked out in the first round, if 5 sports commentators believed the exit was premature and if Mr Hucker could provide medical evidence indicating severe mental trauma! In the end, Mr Hucker was left disappointed - both with England and with the odd insurance policy after they went out to Portugal in the quarter finals.

Quirky Car Insurance

Car policies bring up their share of weird insurance scenarios too. For example, in Denmark, the Danish Automobile Association has two schemes to protect drivers from fines - the speeding insurance, which will cover drivers for up to four offences, of a total of £900 (£90 per year) or parking ticket insurance, which covers four tickets or £182 worth of fines for £36 per year. Unsurprisingly, the Danish Council for Traffic Security is less happy about these strange insurance policies, believing it’ll make fines less of a deterrent for some reason.

There some heart-warming scenarios behind the cynicism though - in Belgium, a car insurance premium has given one of its customers a heavily reduced rate thanks to 80 years of accident free driving! 100 year old Cyriel Delacauw still drives everyday and plans to continue for another 10 years yet - though never above 25mph!

The Winner, by a Nose

Lloyds of London made a weird insurance policy specifically for the nose - valuing it at £3,900,000! Not everyone’s nose is worth that much though, this unusual insurance package was specifically designed for wine maker Ilja Gort of Bordeaux’s Chateau de la Garde, and covers him against loss of both his nose and his sense of smell. He described his nose as “his most important asset”, pointing out that the tongue only has fiver areas of taste, in contrast to the nose which can pick up millions of different scents.

Sex Costs Insurance Companies Dear!

Not so much an unusual insurance policy, as an interesting stat. According to a poll commissioned by Ann Summers, the British cause £350,000,000 worth of damage through energetic sex per year! How does this relate to insurance? Well, who do you think foots the bill for the 10% brave enough to make odd insurance claims after breaking items?

As well as damage to items, like lamps, cases, beds and pulled down curtains, 41% of people suffered carpet burns, 33% pulled their backs and 12% twisted their ankles or wrist. Most eye wateringly of all, 10th in the list of sex injuries was broken bones… the mind boggles!

When Absent Mindedness Costs You £180,000

We’ve all been in a situation where we’ve forgotten to take something with us when we leave it somewhere, but you’d have thought with an item worth £180,000 you’d be a little more careful! Not so, Robert Napier of Wiltshire, who last month managed to leave a 17th century violin on the train back from London - where he’d just had a valuation of the antique!

Insurance company Allianz have offered a £10,000 reward for the safe return of the item - which, after a thorough search of the carriage was declared missing at the next stop.

…And this is the stuff just appears in the news. Imagine the odd insurance packages that don’t make the headlines!

Car insurance to some people, is a necessity while to some, it is not. In my earlier article on “A look at Life Insurance” you will be quite convinced that life insurance is a necessity for a family. Like wise, car insurance is a necessity for every car owner. By the definition of accident, no car is free from road mishaps. Also, no car can be hundred percent protected from car theft. Since we live in an unsecured world, our cars are also not equally not secured. Thus, we all need car insurance or auto insurance to help protect our car from unforeseen circumstances which may lead to permanent loss of a car.

Not only this, some car insurance not only protects the car. Most car insurance equally insures the victims of such car mishap. It all depends on the policy of the car insurance or auto insurance company. With all these benefits one will derive from car insurance, will you still view car insurance as unimportant, a luxury or a necessity.

Actually, anyone who drives a car runs the risk of liability for an accident. Nobody prays for an accident. We all know that car accidents can not easily be avoided. Thus, we need a little bit of security for our cars. The only way we will get this type of security is by insuring our car.

As a matter of fact, every individual should see car insurance as a necessity not a luxury. As you contemplate on this articles, try and understand the policy of the car insurance company which you will demand their service.

Don’t because of car insurance drive recklessly. Always drive safe.

Car insurance to some people, is a necessity while to some, it is not. In my earlier article on “A look at Life Insurance” you will be quite convinced that life insurance is a necessity for a family. Like wise, car insurance is a necessity for every car owner. By the definition of accident, no car is free from road mishaps. Also, no car can be hundred percent protected from car theft. Since we live in an unsecured world, our cars are also not equally not secured. Thus, we all need car insurance or auto insurance to help protect our car from unforeseen circumstances which may lead to permanent loss of a car.

Not only this, some car insurance not only protects the car. Most car insurance equally insures the victims of such car mishap. It all depends on the policy of the car insurance or auto insurance company. With all these benefits one will derive from car insurance, will you still view car insurance as unimportant, a luxury or a necessity.

Actually, anyone who drives a car runs the risk of liability for an accident. Nobody prays for an accident. We all know that car accidents can not easily be avoided. Thus, we need a little bit of security for our cars. The only way we will get this type of security is by insuring our car.

As a matter of fact, every individual should see car insurance as a necessity not a luxury. As you contemplate on this articles, try and understand the policy of the car insurance company which you will demand their service.

Don’t because of car insurance drive recklessly. Always drive safe.

Getting car insurance for your antique collector’s car is not the same as buying insurance for your everyday car. The insurance for collector’s cars is different than other auto insurance. Every antique car collector should know a few things about antique car insurance.

First, your state is going to have specific laws as to how old your car has to be to qualify for antique car insurance. The age is usually at least fifteen years. Also, in order to qualify for antique car insurance you must have another car that you use as your regular car, and a garage to park your antique in.

Collector’s policies are important because of the different types of coverage offered. Traditional car insurance pays the actual cash value of the vehicle. Actual cash value is the cost of replacing the car minus the cost of depreciation. This is a poor choice for antique car owners, because it does not incorporate the appreciation of a collector’s item. Another form of traditional car insurance covers the stated value of the car. In this type of coverage, the insurance company pays what the car is stated to be worth.

Antique car insurance is a specialty insurance that pays the agreed value of the car. This way the owner will receive the full value of the car as a collector’s item. And, antique car insurance usually costs less than traditional car insurance. It’s a win-win situation for the car collector! A little education can save the antique car owner a lot of money and frustration when purchasing car insurance for their collectible.