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Once you realize just how expensive it can be to own a car, then you can better understand why people who don’t have cars aren’t really complaining. They don’t have to deal with car payments, fuel costs, expenses for accessories, and maintenance costs. They may not even have to deal with expensive insurance coverage, but this isn’t really accurate. They may still purchase non-owners insurance coverage.
If you don’t own a car, this kind of coverage may actually make sense to you. Getting non-owners insurance makes sense if any of the following situations apply to you:
- You often borrow your neighbor/ sibling/ parent’s car. Now if you do get involved in an at-fault accident, the usual scenario is that your neighbor’s insurance will pay for your medical expenses. But these expenses may be greater than the limits of their policy. With non-owners insurance, you can get extra coverage for the remainder of the medical bills.
- This policy offers you coverage when you don’t borrow the same cars frequently. Usually, when you tend to borrow a neighbor’s car or your parents’ car a lot, it makes more sense to have you listed as a driver on their insurance policies. But this non-owners policy makes more sense when you tend to borrow different cars from different friends. This is especially helpful when you’re the “designated driver” at parties, and you tend to drive home the car of your most inebriated buddy.
- You rent a car often. When you do rent a car, you’re also normally required to buy physical damage and liability coverage from the rental company. This can be rather expensive. But you can reduce the expense with your non-owners policy because you won’t have to get the liability part from the rental company insurance.
- Insurance may be a requirement to get your driver’s license. This all depends on the requirements of your particular state, but some states require some sort of insurance before you can receive or reinstate your driver’s license. This type of insurance can satisfy this requirement, and it’s great because this type of insurance is generally much cheaper than a regular car-owner’s insurance.
- You don’t want a gap in your insurance coverage. Let’s say you sold your car and you’re saving up for a new one in a year or so. This means that for the meantime you don’t have a car, and therefore you’re not paying for car insurance. This leaves a gap in your insurance coverage, and that’s problematic. A gap often leads to higher rates when you do get insurance coverage again.
It doesn’t make sense to keep paying expensive car insurance just to avoid having gaps in your coverage. It makes better sense to switch to a non-owner’s policy, as you avoid having a gap and you pay a lot less for insurance. Once you do buy yourself a new car, you may then be eligible for discounts once you switch to your regular car insurance.
Of course, there are some situations when this type of insurance doesn’t really make sense at all. If you own a car, obviously a non-owners policy won’t do. If you’re a frequent borrower of a particular car, it’s better if you’re listed as a driver on the car owner’s insurance policy. If you’re using a vehicle for business, then perhaps you should check out a commercial non-owner’s policy instead.
But for most non-owners who tend to drive different cars every now and then, having non-owners insurance coverage makes perfect sense. So do the right thing and get a non-owners policy just to be on the safe side.
You may be surprised to find that some of the materials used to build your home are also being used by the military to protect your home.
Here are some of the applications of various materials in building military vehicles and the home.
1. Acoustic insulation
Foams made out of polyester or polyethylene are designed to absorb and deflect some sound waves. For homes with a recording studio or an entertainment room, acoustic foam can be fastened to the space’s walls, ceilings, doors and other openings to lock out sounds or control noise levels within the space itself.
Jeeps, tanks and other similar types of vehicles can produce a significant amount of noise. Insulation materials are installed to protect the ears of the soldiers and military personnel. It is used to dampen the sound coming from the engine and outside environment.
Closed cell acoustic foams are more commonly used in underwater vehicles than land cars.
2. Thermal insulation
Polyethylene foams have a number of other desirable properties. Sheets and planks feature anti-static and flame retardant properties.
In homes, thermal insulation materials are used to fill up the cavities in between the walls and the roof. This prevents the heat from escaping. Keeping the heat allows homeowners to save on energy costs, especially during the cold winter months.
In military vehicles, polyethylene in particular is used as thermal insulation to protect soldiers from heat producing engines.. Engines can get very hot. By using this material, the heat is deflected away from the vehicle’s cab compartment.
Fireproof rubber is another popular thermal material used in home construction and military equipment. In homes, recycled rubber tiles are labelled as Class A roofing material. Its fire retardant properties can protect the home from going up in flames due to lightning strikes or sparks from a neighboring fire. When installed on military vehicles, the material acts as a thermal insulator and a vapor barrier.
Another material that works as an effective thermal insulator is silicone. Silicone has the ability to resist high temperatures. The material is also effective in dousing firestocks.
3. Vibration dampers
Most, if not all, appliances, equipment and devices produce some level of vibration. The amount of vibration a device produces varies from one model to another. Too much vibration can cause the parts to quickly wear out. As a result, the device may produce louder sounds than it is designed to. Over time, it may work more slowly or stop altogether.
Some electronics have a built in vibration damper to protect the internal parts from premature damage due to the vibrations produced by the device. The damper absorbs and redirects the vibrations and shocks. Computers are examples of devices that have built in dampers.
In military vehicles, dampers function as shock absorbers. They can be found in floor matting inside military vehicles. Built in vibration dampers protect the personnel inside the vehicle from shocks, blast waves and other types of vibrations caused by Improvised Explosive Devices (IED).
Composites include two or more materials that have different physical and chemical properties.
The goal is to create a material that includes all of the desirable features of different materials or one that is more superior. In homes, composites have a variety of uses. It is used in bath tubs and shower stalls, window frames, doors and decking.
This material also holds a lot of potential in military applications. Compared to steel, composites are stronger but lighter. They are resistant to corrosion and have an infinite fatigue life.
There are composites that dampen vibrations and provide thermal and acoustic insulation. Research is being conducted on using composites on watercraft, uniforms for soldiers and the armor on military vehicles.
Other applications for composites include:
- Containers for missiles
- Panels for radar equipment
- Avionic racking and cabinets
- Floor tiles and matting
- Boxes used to transport goods
- Doors and covers
- Sensor probes
- Spall liners
- Add-on armor
- Protection for gunners, weapon stations and optronic equipment
- Defense against landmines
- Thermal-proof panel
And there you have it, the different applications of materials in the home and the military. These materials may appear ordinary, but because of how they react to heat, noise and vibrations, their applications can be used in residential spaces and beyond.
Senior International Business Development and Sales Manager, NIMR Automotive LLC
Miles Chambers joined NIMR Automotive in October 2016 as Senior International Business Development and Sales Manager. In this capacity, Miles oversees NIMR Automotive’s expansion to Global markets, particularly into Europe and Southeast Asia. In addition to his responsibilities at NIMR Automotive, Miles is the Chairman of the Azerbaijan-South Africa Chamber of Commerce.
For anyone with an entrepreneurial spirit, there are no limits on what you can do to build a successful business. The world is, quite literally, your oyster. In many cases, you don’t need any specialist equipment apart from a computer and a telephone. For some businesses, however, a truck is essential. In this article, we are going to take a look at five different businesses where a truck is handy to have.
Mobile Food Truck
Mobile food trucks are extremely popular and a lucrative business venture if you have an interest in catering to the masses. The great thing about a mobile food truck is that you are not limited by geography. You can move where the clientele is, so if there is a festival in the next state, rent a spot and flip burgers for three days. Before you invest, however, explore the type of food you want to cook and buy a truck that has the right equipment pre-installed.
Some people prefer doing their own removals, but there are others who don’t have the time or the inclination to shift heavy furniture. To offer your services as a removal agent, you will need a fairly large truck with a tail lift. As the business grows, invest in other trucks and branch out into other areas such as commercial removals. It’s a lucrative business!
Goods haulage covers a multitude of different areas, from food and livestock to specialist goods such as medical supplies. If you work as an independent driver, you will need your own truck. In the beginning, you can drive, but as the business grows, you can hire other drivers whilst retaining all the profit. For those who would rather manage than drive, setting up a fleet of contract drivers is the best solution.
Someone has to service the millions of portable restrooms on construction sites. If you elect to go into business in this niche, you will need a specialist truck with hoses, waste storage, and easy-access controls. Check out the inventory from Satellite TruckXpress to find your perfect vehicle. If you can’t see a truck that fits your needs, have a custom vehicle built to your exact specifications.
Boat transport may not be the most obvious business opportunity, but if you live near the coast or a major body of water, it could be an extremely profitable venture. Boat owners often have to transport their boats between storage facilities and the water. Since it isn’t cost effective to own a truck capable of transporting a boat, they hire someone to do the job. This is where you come in. With the right type of truck, transporting boats is an easy job. However, before you invest, think about the types of boats you want to transport, as different boats require different trucks.
Trucks are a big-ticket investment, so consider buying a second-hand truck or leasing one to start with. This should help you keep your startup costs to a minimum.
Car maintenance can cost a pretty penny. Things feel worse when you know that some of the issues your car is going through could have been prevented like the ones linked to weather. The following are some weather-related problems you need to pay attention to and try to prevent.
Rust is Your Enemy
One major issue many have to deal with is rust, and it can affect your car in many different ways. For one, it can attack the exterior of your car, creating a pretty visible discoloration or even gaping holes. Furthermore, it can also create problems on the undercarriage of your car, which could affect things like your fuel lines.
The following are a few ways you can prevent some of these issues:
The road is constantly treated during the winter with a deicing solution. This solution ends up touching the metal on the exterior of your car, which leads to rust. You want to make sure that this does not happen, so it is vital that you clean your car as soon as you can, or just avoid driving it during the winter as much as possible.
Remember that salt from the road? Well, it can affect the undercarriage of your car, too. What is worse is that this area of the vehicle is often overlooked. You might clean your car but forget to deal with the undercarriage, which is important. Do your best to ensure this area is treated whenever you drive in the snow; just to make sure there is no danger of rust forming.
Rust can be created from the inside, too, whenever you step into the car with your snowy boots. Your boots can have some of the solution that damages metal, which you are letting into your car. The solution will seep through the carpets and start to damage your car from the inside out. This is the reason you need something like Weathertech floor mats to help prevent this from happening. You cannot do much about the solution sticking to your shoes, but this prevents the snow and moisture from seeping through your carpets.
Another issue is that some drivers do not prepare for the winter. You need to wash your car before the winter hits. You need to also apply protective layers to the car’s paint and the car’s undercarriage before the winter comes. Trying to do this beforehand can significantly reduce the chances of you ever dealing with rust. Rust is hard to repair if its overlooked for too long and can severely lower the value of your car.
These are just some of the things you have to worry about during the winter and some of the ways that you can resolve them. Of course, there may be more to do, and you can talk to your mechanic about that just in case you are missing something. You don’t want to leave your car in a vulnerable position.
After buying the car, you can choose various aftermarket car accessories that you can purchase for your vehicle. Whether it is the car light or any device that helps in providing the security for you, the accessories are of great help. There are various types of accessories available in the market that you can buy for your vehicle. These accessories not only enhance your driving capabilities but also give a better experience. Here are some of the popular accessories that you can buy for your new car-
- Electric car tyre air pump compressor & puncture kit
Maintaining the pressure inside the car is very important as it has held the entire weight of the car. the tyre can leak in the middle of the road and there can be the problem if you do not get the possibility to inflate it again. So, you can carry the electric pump with you so that you can fill the tyre again on the road. The puncture kit is also important to repair the puncture problems.
- Car mobile holder having suction cup
Everyone carries the phone while he or she is in the car. But, it is very bad to drive while you are calling or receiving a call. Even, you may find difficult to choose a place inside the car to keep your mobile phone. So, it is better that you buy a car mobile holder with the suction pump where you can keep the phone and it will not fall down.
- Buy a car cover
It is one of the most important accessories that you can buy after buying the vehicle. There are various types of car covers available. You can buy the universal one that fits all type of car or go for the customized one that is only made for your vehicle. You can buy the car covers from a reliable online hub as well.
- Car vacuum cleaner and duster
These accessories are very important to keep the car clean. The small car vacuum cleaner is vital to clean the dust particles inside the car and the duster is used for cleaning the car externally.
These 4 items should be included in your must-have list.
Choosing your first car is a big deal for every new driver – it’s your chance to finally experience the freedom everyone’s been telling you about. Whether you choose new or pre-owned, your car will become your baby, and it’s important that it does the job you need it for.
If you’re a commuter, you need something sturdy and reliable, if you’re a tech head, you need something to serve your passion and if you’re a car lover, it’s got to have the right spec, all the while without bankrupting you on insurance and fuel.
With so many great deals out there from carmakers, it’s easy to get a lot for your money.
Here are a few vehicles which have been noted by many as the favourites this year.
Ford Fiesta hatchback
If you’re a younger driver and your parents are a little on the wary side, the Ford Fiesta Hatchback has a great setting called MyKey, which allows them to arrange a number of settings including maximum speed, maximum stereo volume and a seatbelt reminder.
Hyundai i10 hatchback
The i10 is well equipped, it only comes with five doors and has a five-year warranty, so it’s a popular choice for many.
Volkswagen Polo hatchback
A classy small car with an upmarket feel, the Polo is designed with comfort in mind. Long motorway journeys aren’t a challenge for this car, where other small cars might falter. Drivers in their first year can also get insurance thrown in, as part of one of Volkswagen’s finance packages.
Skoda Citigo hatchback
Economical, cheap to insure and stylish, the Skoda Citigo hatchback scores highly with a lot of new drivers. It’s similar to the Volkswagen up! And SEAT Mii, but it’s the cheapest to buy.
Peugeot 208 hatchback
The French brand is synonymous with first time drivers, but the 208 is sophisticated inside and out. Peugeot’s ‘Just Add Fuel’ package sets you up for your first three years on the road, which includes road tax, servicing and insurance, but drivers under 21 may need a telematics box installed to record their driving habits.
Toyota Aygo hatchback
The Aygo stands out from the crowd when it comes to cars within its category, and is totally customisable if bought new. It’s economical, enjoyable to drive, is fairly quiet on the motorway and benefits from Toyota’s five-year or 100,000-mile warranty.
If getting your hands on a new car isn’t on the agenda, not to worry, you can soon have any ride feeling brand new with a good clean, a new set of tyres (you can get some great deals for tyres online) and by personalising it in your own way.