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7 Myths of Motor Trade Insurance

The motor trade industry is a highly competitive industry. It is important to get the right insurance policy for the best price available. We realise that each business is unique and there are different needs for every consumer. This applies to all types of customers, whether you’re new to the field or already experienced and know exactly what to look for.

Customers from different business sectors may be unsure on what you can and can’t be insured for, as specialists in motor trade insurance, we hear all types of questions when customers call for a new quotation. With this in mind, we would like to explore with you, some of the myths we hear to assist you in avoiding any potential problems when you’re getting a new quotation for a motor trade insurance policy from someone like Utility Saving Expert.

1: ‘It will be cheaper if I leave some drivers off my motor trade quote’

This isn’t recommended, but it may be true in some situations. You could be in trouble with law enforcement, if you are an employer that chooses to drive one of your vehicles and are caught without the right cover. If you are involved in an accident, you will not be allowed to make a claim for any damage to you or your customer’s vehicle. The third party involved in the same incident could make a claim against your business policy, along with any monetary loss, this can be a headache when you are tasked with a business to run. It is important to remember that by law, you are required to have employer’s liability insurance if you hire someone to carry out work for you. This covers both unpaid and paid work. Any potential claims against your business that may come from an employee illness or injury will be protected.

2: ‘As a part-time motor trader, I will get a cheaper insurance quote’

This will not always make your quotation any cheaper in comparison to a full-time trader if you work part-time. You may be able to be covered for business use if you have another occupation, so consider declaring this when you are retrieving a quotation online or over the phone.

3: ‘I’m going to make the assumption that a cheaper insurance quotation will be better for me’

Please do not declare your vehicle’s overnight location incorrectly, it is paramount that you don’t omit key information. Personalising your quotation will affect the quotation price but ultimately will give you the right cover to meet your business needs and avoid any associated risk factors. In the event of any compensation claim or legal action taken against your business, public liability insurance will provide additional cover against a third party. It is recommended to have this in place, although it is not a legal requirement.

4: ‘Trading from my home address will give me a better quotation’

If you are trading from a busy or highly populated city or town you may find that your insurance quotation is more expensive because it may be considered a higher risk area. Getting a quotation for trading from your home address is possible. We recommend that you state both your home and business address to get the appropriate cover.

5: ‘I assume that I will be covered to drive any vehicle with my motor trade quotation’

Any vehicle that is in your custody, care, registered or owned by you can be covered for motor trade purposes.

6: ‘It isn’t necessary that I add vehicles to my quote that aren’t used often’

It may be tempting to leave off vehicles that aren’t used very often, these will not be covered under the motor trade policy. You can be fined up to £5,000 and have your vehicle seized if it is not on the motor insurance database and is caught by any type of automatic number plate recognition system. Additionally, you will not be covered for loss or damage if the vehicle in question is involved in any incident. Remember to remove your vehicle from the motor insurance database immediately if you sell your vehicle. Failing to remove the vehicle from this database will make you liable for any third-party damages, leading to the loss of any no claims bonus you have built up.

7: ‘My personal no claims discount (NCD) won’t be transferred to a motor trade quotation’

You may be able to gain an introductory discount, but it is not transferred. A private NCD can be used against a new policy.

The Most Exhilarating, Fastest Cars in the World

Ever wondered why they measure the speed of a car by its horsepower? The word itself doesn’t make sense at a glance, right.

How about, have you ever been kicked by a horse and felt the power that could throw you from one point to another in as little as a second? Well, that’s horsepower for you and to be honest, we can’t think of any other explanation to this strange word.

All there is to say is, it’s the measurement of speed in a car and is emphasised especially on some of the fastest cars in the world.

The Fastest Cars in The World in 2018

Koenigsegg Agera R

The Koenigsegg Agera R is not only considered to be the fastest car in the world, but also one of the most expensive, which is quite self-explanatory considering its ability to drive at a top speed of 273 mph, reaching 0 to 62 mph in as little as 3 seconds. Quite the stunner too if you’re into the look of the car, which let’s face it, everybody is. In fact, it can even pass for a Batmobile.

Bugatti Veyron Super Sportscar

Fit for a boss, this charcoal-colored vehicle has a limited speed of 258 mph, and that’s because the brand wanted to ensure its tire safety. It is a luxury car, and it’s safe to say you wouldn’t want your tyres to blow on this one. It’s too good looking. The Veyron Super Sport can reach 0 to 60 mph as fast as a lightning bolt. A worthy competitor to the Koenigsegg Agera R.

Bugatti Veyron

With a top speed of 253 mph, Bugatti likes to stay competitive. As the downgrade from the Veyron Sport, the Veyron can reach 0 to 60 mph in as little as 2.5 seconds and reaches a top speed of 253 mph. At a total of $2 million, it is considered to be one of the most expensive cars in the world.

Koenigsegg CCXR

Similar to its upgrade from the CCR, the Koenigsegg CCXR has a sleek, cool look and can reach a top speed of 250 mph and if you push it hard enough, even more.  It has the ability to reach 0-62 mph in just 3.1 seconds, falling right after the Bugatti Veyron with its speed limit. This magnificent creation had 806 horsepower and added ethanol, which has a maximum output of 1018 horsepower. It has the perfect blend of ethanol at an impressive 85% and 15% gasoline. The car also has a much higher-octane level, as well as a much higher cooling capacity, which allows for it to be a beast on the track. If you’re looking for a worthy car to race with, this is it.

The Best Tips to Save Fuel

It doesn’t matter if you’re driving a small car, or something as big as an SUV, there are always ways to save money by reducing your usage of fuel.

People drive their cars every day, which leaves fuel to be one of the biggest expenses of all. Most of us don’t have a choice to drive long distances daily and whether you’re driving back and forth from your job each day, or you work from home, but you have to get around town to drop off and fetch your kids, do shopping or run errands, it all adds up. Chances are; however, you can save money when driving any car in many ways.

Top Tips for Saving Fuel

  • Slow down – Just because your car has a maximum speed of 200 mph or more, doesn’t mean you have to try and aim for it. While it’s fun driving fast, it can not only be dangerous for you or the passengers in your car, or even the other people on the road, but it could also be detrimental to your fuel. Whenever you increase your speed, fuel is wasted, leaving you to fill up your tank more often than what is necessary. Try monitoring your fuel consumption when driving faster versus driving at the speed limit or slower. You’ll be amazed at how much money you can save by saving fuel.
  • Don’t Accelerate too Much

You don’t have to drive like a saint, but it’s pretty obvious that when it comes to wasting fuel, putting your foot on the gas hard, will waste your litres and litres of fuel. What you also don’t want to do, is accelerate fast and then hit your brakes immediately, which consumes the most fuel and can potentially even damage your brakes. Drive with care.

  • Check Your Tyre Pressure

The two factors that affect tyres the most are time and temperature. Tyres don’t last forever, and they get affected every single day while driving. Tyres that are under-inflated causes your engine to work harder to prevent your car from seizing. When your engine is working harder, just like with an overused accelerator, your car is using far more fuel than necessary. Be sure to use inflation pressures to check whether your tyres are in excellent condition and have them maintained regularly.


  • Stick to a Light Car

The lighter the car, the better. You should avoid adding accessories to your car as it tends to weigh it down. The same goes for leaving unnecessary baggage or things in your car that can weigh it down. You will find that when you travel, and your car is fully packed, you use far more fuel than you would if your car is empty. For a much smoother ride, stick to an empty car with less bling.

Fastest Bikes In The Market Today

One can’t think about a road trip without thinking about motorcycles cruising along a long road with a scenic view on both sides. These bikes are optimized for comfort and for really long rides. But there’s also this range of motorcycles, purely optimized for speed.

Cutting-edge technology, engineering all combine together to build these beautiful machines that can touch 400 km/h on the road. At one point of time these popular manufacturers that made these speed demons where pushing the limits too hard to cross the 300 km/h milestone that a gentleman’s agreement had to be signed to prevent even faster bikes being produced that could lead to an outbreak of illegal racing, which in turn could cause import bans for such high-speed motorcycles.



  • Suzuki Hayabusa owned the title pre-2000s touching a top speed of 310 km/h. This model is iconic for superbikes and won international acclaim as the world’s fastest production motorcycle. Furthermore, it was also revered by the critics as having great reliable, handling, comfort, fuel economy, making it known not just for its speed.
  • Kawasaki: Post-2000s, ZX-12R and ZX-14 were the fastest, with an electronically limited top speed of about 300 km/h. They owned the title till about 2007, with their two models (ZX-12 till 2006 and then taken over by ZX-14). It innovated with a slipper clutch and liquid cooled, 4 cylinder engine that made it the most powerful at that time as well.
  • MV Agusta: With their F4 R 312, broke the gentleman’s agreement with a top speed (as the name suggests) of 312 km/h. The Italians didn’t clearly believe in the agreement and just wanted to come up with the fastest. Although Meccanica Verghera Agusta started off as small cafe racers of 150cc or around, they upped the bar extremely quickly, moving on to more powerful and faster bikes and eventually claiming the title of the fastest motorcycle in the world.
  • BMW: S1000RR, designed for the 2009 Superbike World Championship, but went into commercial production. It featured an antilock braking system, with traction control, while showing off a top speed of 300km/h, due to regulations.
  • Ducati: Italians and their race for pushing the limits and achieving the fastest title never ends. Panigale R is known for its lightened engine internals with Titanium rods, carbon fibre parts effectively reduce its kerb body weight to about 165kg and touched speeds on 325km/h on the track.


These were the ones that owned the title in the past. Currently, Kawasaki Ninja H2 considered a ‘supercharged supersport’ motorcycle, producing 310 horsepower with its centrifugal type supercharger. This makes it the not only the fastest motorcycle right now but also the most powerful with more than 50% power as compared to the other fastest street-legal motorcycles.


Best Selling Motorcycles From Last Year

The breed of motorcycle enthusiasts has been growing steadily over the years. As more superbikes become available for the regular consumer to buy, the number of high-performance bikes on the road now is staggering. But what were the most popular bikes that people bought to sate their hunger for adventure? Let’s take a look.

  • 2017 Kawasaki Z125 Pro – $3,000

This bike was an instant hit after launch, partly thanks to the compact light-weight body, fuel efficiency, and powerful performance. It is powered by 125cc Air-cooled SOHC 2 Valve engine that is capable of pushing out 9.4bhp of power. This is a great choice who are in the market for a small, compact and fuel efficient touring motorcycle.



  • 2017 Suzuki VanVan 200 – $4,600

This is one of those legacy motorcycles that are still kicking around even after three decades. The most recent variant weighs just 128kg and is pretty fun to ride around the city and its streets. It has a quiet 199cc single cylinder 4-stroke engine capable of outputting 11.7kW of power at 8000rpm and 15NM peak torque at 6500rpm all while being responsive. The bike is mainly designed to appeal to younger buyers.


  • Honda CBR500R – $6,500

This Honda CBR is literally everywhere and does not need any introduction to the global market space. This particular variant is particularly popular because of its medium weight profile and extremely sporty look which is appealing and attractive. The performance is also nothing to scoff at. It has a 491cc engine capable of 48.6bhp at 8500rpm and 43NM of torque at 7000rpm. The target audience for this bike is the young racing enthusiasts and beginners, as the smooth ride handling and refined ride quality are both extremely attractive.



  • Harley Davidson Street 750 –$7,599

It is no surprise that this list has a Harley in it. Harley Davidson has become a household name for motorcycle enthusiasts and big-shot riders. The Harley Davidson Street 750 has everything that will definitely make you fall in love with it. The bold, strong and premium cruiser design to its power-packed 749cc liquid cooled engine capable of 47bhp of power and 59NM of peak torque at 3,750rpm. This bike should be pretty high on your consideration list if you are in the market for a powerful cruiser. The fact that this is one of the cheapest Harley Davidsons you can buy is also a big bonus.


  • 2017 Yamaha SCR 950 – $8,700

If I had to describe this bike, I would say it was a vintage beast. The retro aesthetic with the tall handlebars and old-school wheels blend in with its great performance to build a great machine that can be your perfect weekend machine. The 4-stroke 942cc engine capable of churning out 37.5kW of maximum power at 5500rpm and 79.50NM of peak torque at 8100rpm lets you get to the speeds you want with relative ease and confidence. Overall, the Yamaha SCR 950 does the job it was built for exceptionally well.