This article explains when you may need to buy a temporary auto insurance policy and describes how the whole process works.
The typical insurance covers are usually based per annum and the end of which you will have to renew the policy or switch to another car insurance provider to minimize your costs as much as possible. But what happens when you don’t want a cover for a whole year? In certain circumstances, you may want to drive another person’s car or borrow one on a one-off basis, but you are not covered automatically. This is when you need to consider temporary auto insurance.
Getting temporary insurance
The first step is to compare different insurance policies. If you want to drive your friend’s car, you can request to be included in that person’s insurance policy as one of the drivers, but this is not a cheaper option. Suppose you want to make a claim, the policyholder will not get any insurance claim, and this will make it hard for them to get a cheap insurance policy in the future.
Another great approach is to consider “driving other cars” if it is stipulated on your insurance coverage. This feature used to be common in the past, but it is not the case now. Only a handful of insurance providers offer this form of insurance. Furthermore, it is designed for third party cover, so expect to get nothing in the car if your car crashes. Study your policy keenly to see if the cover is in the insurance policy.
Why you should consider temporary auto insurance
Temporary auto insurance provider short-term cover that may range between one and 28 days. However, some covers go up to 3 months. This means they are ideal for short-term activities such as borrowing a car to use for a few days. It is an affordable alternative if someone is willing to lend you their car. Also, the insurance can be ideal if your car is in a garage and you want to borrow another one from a friend or family.
You can use the auto insurance coverage to transport your new car home. Many vehicle dealerships include this type of insurance. But don’t forget to purchase your insurance policy, especially if you are using your car privately. Some insurance providers off this policy to vans. So if you borrow a van for transportation purposes, then you should consider taking the temporary auto insurance.
So, if you decide to hire a van or car, then it is less likely you will need a separate temporary auto insurance policy because the cover charges are included in the hire price. But, many hire firms only have a third-party policy as standard, so you may also want to consider the short-term cover. Short-term insurance cover is a comprehensive policy. So, suppose an accident occurs, the insurer will cater for the damage caused to your car as well as other cars involved in the crash.
The growth of technology has brought with it both positive and negative effects to the daily lives of humanity. Today, people use smartphones for various purposes including doing their work online, using it as a source of entertainment and for education purposes among others. However, the use of these gadgets is growing so fast that some people have become smartphone addicts. If you are wondering whether you are one of them, we provide you with some signs and symptoms that will help you find a solution.
What are the signs and symptoms of a smartphone addict?
If you exhibit one or more of these signs and symptoms, you are definitely a smartphone addict:
A need to use your smartphone more
We agree that smartphones can be very essential in our daily lives. However, it does not mean that they are a basic need without which you may not be alive. If you find yourself in a position where you have to use your phone more often to achieve the same desired effect then you are a smartphone addict.
Inability to minimize your smartphone usage
If you notice that you are trying to use your smartphone less often but you cannot, you are in line to being a smartphone addict. The need to use your smartphone might be so high that you can forfeit doing other important tasks in your daily life.
You turn to your smartphone when low
In the event that you turn to your smartphone when you have low feelings like depression or anxiety, you are amongst the smartphone addicts that we are talking about. Normally, when you experience such feelings, the best thing to do is to seek guidance from a professional like a therapist. Turning to your smartphone when you have low feelings means that you trust it a lot. You therefore “cannot do without it”.
Has your smartphone put your job at risk?
If your boss is complaining constantly about your smartphone usage or probably you have lost a job because of that, you are in the smartphone addicts’ bandwagon. In some cases, you might use your gadget excessively thereby putting your relationships or marriage at risk. According to studies, about 2% of relationships end because of inability of the partners to control their smartphone usage.
You suffer a lot when not using your phone
Another way to know that you are a smartphone addict is by observing your behavior when not in a position where you can use your gadget. For example, if the network is unreachable in your phone, you will experience emotions such as anger, tension, depression, restlessness and irritability if you are a smartphone addict.
Addiction to smartphone is a growing concern amongst the youth specifically. Unfortunately, like drugs, smartphone addicts do not realize that they are addicts until they are addicted fully. You know you are an addict if you cannot stay for a while without using your gadget, you become agitated, restless or irritated if your network is unreachable and you have lost your job because of overusing your smartphone amongst others.
Hiking is an essential activity that many people overlook during winter days.
Big snow is fun if you invest in the right type of snowshoes.
Snowshoes have been around for many years, but they have become increasingly popular over the two past decades.
That could mean bad and good news.
The good news is, there is stiff competition for the production of these shoes, and manufacturers are forced to invest in the most recent technology to stay on top.
The bad news is, choosing the best snowshoes can be a daunting task, especially for first-time snowshoes shoppers.
Price isn’t the only factor to consider when shopping for the bet snowshoes.
In fact, the price should not be used to determine the best winter hiking gear.
Most expensive snowshoes may have many incredible features, but they are not necessarily the ideal snowshoes for you.
You should also consider the type and size.
There are three types of snowshoes – running, backcountry and recreational snowshoes.The length or size of the snowshoe that you choose is also a vital factor to think about.
If you are not aware, snowshoes are available in several different sizes.
You need to consider your body weight when looking for the right size of your winter hiking gear.
Once you are sure about the type and size of the snowshoe that you want, you should consider the following:
Floatation: If you are planning to stay safe on soft now and avoid being post-holed very early in the day, you are advised to invest in snowshoes with greater floatation.
Snowshoes with a large, oval-shaped frame can promise users maximum floatation, but they can be somewhat weighty.
In this light, choose a snowshoe that combines this feature with pointed design at the back.
Traction: The winter hiking gear that you choose should also give you maximum traction.
Unfortunately, fairly-priced recreational snowshoes usually have heel and toe crampons only.
In addition to the mentioned crampons, the more expensive brands are loaded with extra features including supportive underneath traction tools.
They are ideal for hiking on snow packed regions and icy terrain.
Security: The safety of your feet depends on the fitness of the snowshoe that you choose.
It’s wise to note that some snowshoes are ideal for specific types of footwear, while others are perfect for a wide range of footwear.
The next thing to consider after security is the comfortability of the snowshoe that you pick.
The best snowshoes must be comfortable, easy to wear and take off.
Ease of use: This is something that is usually overlooked by many people, but it’s equally important.
Imagine having a snowshoe with multiple straps systems? In the event of a heavy storm, you will have a hard time dealing with this kind of snowshoe.
To avoid this inconvenience, you are advised to choose a snowshoe that’s simple to use.
The best snowshoes offer you three most essential things- floatation, traction, and stability.
These three advantages can help you to have a safe and fun winter hiking experience.
There are plenty of reasons why many homeowners choose to have a propane gas grill in their backyard or choose to have a more portable propane gas grill that they can easily tag along with when they go for camping, fishing or kayaking. Choosing the best propane grill for your home can be quite challenging since there’s a gamut of brands, and a vast range of prices, colors, designs and prices to choose from.
Fortunately, the variety of propane grills that exists means that you can never miss a chance to select the right propane grill that suits your needs-but only with the right guidance.
Two of the leading manufactures of the best propane grills are Ducane and Weber. One of the reasons which have made these two brands gain popularity is the easiness of which you can light the unit and have access to instant heat to cook your food. When using the gas grill, you only need to carefully attach the gas canister to the pipe, then simply switch the gas flow and light. In the contemporary gas grills, there’s no need for matches or lighters, since the propane grills use an electromagnetic system or rather have an inbuilt lighter mechanism, thus making lighting a safer and convenient process.Other options to consider when seeking the best propane grill include Sunbeam, Coleman, and Brinkmann. Just like the former brands, these manufacturers are quality makers and can deliver the propane grills in a gamut of shapes, sizes, cues, and designs. Therefore, when choosing best propane grill, you are at liberty of selecting a gas grill that is in line with your tastes and preferences.
Another conspicuous benefit of having a propane grill is the fact that it allows you to control the heat as well as the fact that the heat is instant. Also, contrary to other sources where the grill provides a more one heat scorches all, or worse, never gets hot enough to cook your food, the propane gas grill evenly distributes the heat have the necessary power to cook your food.
Unlike charcoal, propane is more amiable, and unlike using charcoal to power your gas grill, propane ensures that you’ve total control over the cooking experience. So whether your food is cooking too quickly or you need to get moving quicker as your guest are getting impatient, a propane gas grill offers unmatched convenience. Additionally, with the propane gas grill, you neither have to deal with the charcoal mess after cooking nor the horrible smoke that keeps your guest moving from side to side as the wind moves and changes direction.
Another desirable feature of the best propane grill units is that they can be used both inside and outside meaning that should you run out of your cooking space during the festive season or should you suffer from power blackout, you can still do your cooking.
While there’s a significant variation of the grills in the market, ranging from size, features, and other options, be sure to find the best propane grill that will leave you feeling like the king of barbecue.