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Being a business establishment which owns a number of expensive assets like cars, and whose employees face potential risks in their working conditions every day, a driving school must have a watertight insurance.
While there are many types of insurance policies to choose from it is important to select one that best suits the school. The policy should be comfortably within the budget of the school as well as provide adequate cover. For bigger schools, the number of cars owned and instructors working are greater and their budgets are also bigger. They can go for a comprehensive cover, which saves them time, as the paperwork is less. For smaller schools, individual cover for each instructor and car may be sufficient. Many instructors also opt for going solo into the business. They can opt for the one-day-cover which is short time insurance, running over a short period ranging from only a day to a maximum of 28 days. This type of insurance offers adequate cover if the instructor or the car is being used by a student driver only for a short period of time.
It is also wise to ascertain that features like third party claim and legal assistance are provided by the policy. While on the road with a novice driver, the instructor is not only responsible for the safety of the student and himself but also the safety of other drivers on the road. It also helps if the insurance company boasts of 24 hour assistance. Accidents can happen anytime and getting in touch with the insurance company is one of the first steps that an instructor would take.
Details of the instructor and the learner vehicles must be provided accurately to the insuring company. If the instructor has a record of violation of road rules or even a conviction, it is possible to get insurance for him or her. If the recent driving record has been clean and proactive steps have been taken by the individual to improve skills, an insurance company cannot deny a driver of insurance whilst in the instructor's seat.
Finally, while choosing the right insurance policy, general factors like the reputation of the insuring company, its claim-to-payout ratio and the kind of insurance policies it offers, need to be investigated and studied properly. Many driving schools prefer to take out their policies from companies which specialize in their kind of insurance. This is an assurance that the company will be around when the time comes to pay in case of an accident or damage to the vehicle or the instructor. As is the case with procuring other insurances, it is wise to get multiple quotes before signing on the chosen one. While this may take time, the Internet may provide quicker solutions, which will actually save the school a considerable amount of money.
Investing a little time and effort is all it will take to draw up a suitable insurance policy for any driving school. This will be a worthwhile investment because it will ensure that the profits of the business are utilized in growing the business, and not in paying out for damages.
Quote Me Today offers different schemes and options available so you have the chance to invest in the Driving School Insurance policy you need.
Bentleys Curve Ball
It was as if a light had suddenly pinged on in the Bentley product design department. "Get stylist Dirk van Braekel on the phone. Tell him that Bentleys don't have to be square." The Continental GT coupe was a very bold move, marking the first Bentley to be delivered under the stewardship of the Volkswagen Group. Of course, the simple and safe thing for the company to have done would have been to ape the styling of previous Bentleys in a pastiche of Britishness as they eased their Rohans under the table. Fortunately it didn't work out like that and instead, we were treated to one of the most technologically advanced cars ever seen. Here's how to track down a decent used example.
HISTORY
This bold take on what a modern Bentley coupe should represent was first unveiled at the Paris Motor Show in September 2002. Drawing almost universal acclaim, few were prepared for quite what a technological tour-de-force this model represented. Advance orders poured in and when the cars first appeared in dealerships in March 2003 business was, to say the least, brisk. Beloved by Premiership footballers and raffish city boys alike, the Conti GT spawned a special edition ‘Diamond Series' and, in summer 2006, a convertible GTC model.
The 600bhp Speed model arrived in mid 2007 billed as the first 200mph Bentley. At the same time the standard GT models received a number of revisions many lifted from the Speed model itself. Weight saving measures knocked 35kg from the car's kerb weight while low friction dampers boosted ride comfort and the steering was tweaked to give greater feel. A new exhaust system helped deliver a 3.5% reduction in emissions and economy.
WHAT YOU GET
Here is a Bentley that weighs in at Porsche money, that stakes a claim as the most technologically advanced car on sale, and which at the time of launch, was billed as the world's fastest four-door coupe. Powered by a 6.0-litre twin turbocharged W12 engine good for 555bhp, with four wheel drive and a paddle operated gearbox, the Continental GT was born in a virtual world. Every nut, bolt and washer was designed in concert with the Data Control Model - the computer simulation that would then design the tooling to physically build the car.
Certain Bentley trademarks endure - the bullseye chromed ventilation outlets and the organ stop controls, but don't get the impression that this interior is a quaint retro pastiche. A touch screen LCD display on the centre console controls the air conditioning, satellite navigation, computer information and entertainment systems, whilst many of the minor controls can be operated without removing hands from the steering wheel. It's this blend of old and new that's particularly fascinating. Craftsmanship techniques have been similarly updated. For instance, wood paneling can be dramatically curved in a way that was once impossible. By the same token, while the leather is still applied to the car with the same hand crafted care, it‘s cut from hides using a digitized process that reduces waste and optimizes efficiency.
400 Continental GT Diamond Series cars were produced featuring exclusive 20" 12-spoke forged alloy wheels. The Continental GT was already fitted with the largest brakes on any production car but the ones on the Diamond Series are bigger. The black 8-piston callipers that peep purposefully from between the wheel spokes clamp down on 420mm carbon-silicon carbide cross-drilled discs at the front and 356mm versions of the same at the rear. Inside, the Continental GT Diamond Series is based on the Mulliner Driving Specification package that was developed by Bentley's bespoke coachbuilding division to give an added sporting dimension to the standard car. Quilted leather seats and door casings feature along with drilled alloy pedals and a sports gear lever in chrome and leather. The ubiquitous Bentley wood finishes are either dark stained walnut or piano black wood for a more contemporary feel.
WHAT YOU PAY
After the initial feeding frenzy when used GTs were changing hands at huge premiums over the £110,000 list price, values settled and, more recently, have dipped rather sharply as newer attractions from Aston Martin, Ferrari and Porsche have become hotter tickets. These days, you'll need a mere £78,000 to land an 03 plated Continental GT. New prices nudged up first to £112,750 in early 2005 and then to £115,000. Insurance for all models is Group 20.
WHAT TO LOOK FOR
The Continental GT is an extremely reliable car. Many of the oily bits have racked up millions of miles underneath the skin of Volkswagen's Phaeton with very little complaint and the additional tender loving care that Bentley owners lavish on their cars means that the Continental GT is a solid used buy. Strangely, one of the few ‘faults' that has been mentioned is the fact that darker coloured paint finishes can go rather ‘swirly' through overpolishing!
REPLACEMENT PARTS
(approx based on a 2005 Continental GT excluding VAT) Parts for the Continental GT vary in price wildly. Those which are common to Volkswagen group products like the Phaeton aren't horrifically expensive with a starter motor retailing at £159. The Bentley specific bits are eye wateringly dear though. A replacement windscreen with rain sensor is £1,285 while a headlamp unit is £925.
ON THE ROAD
Power is transmitted to the road via a rear-biased four-wheel drive set up which gives the Continental GT a handy advantage when the going gets slippery. The link between the driven wheels and the engine comes courtesy of a six-speed automatic transmission built for Bentley by ZF. This can be marshalled via paddles behind the steering wheel should you wish, or else it can be driven like a conventional automatic. This was a surprisingly controversial feature, with some engineers arguing that a car with this much torque didn't need a six-speed gearbox. Yes, you could lock the Continental GT into third gear and surf languidly along for much of the time, but the enthusiast owner profile eventually dictated the six ratios.
Another first for Bentley was the attention to aerodynamics. A car that can accelerate to 60mph in less than five seconds and on to the far side of 190mph requires sufficient aerodynamics that its owner can be assured of it remaining dirty side down. The Continental GT benefits from the expertise of the best aerodynamicists the Volkswagen Group had. The venturi tunnel under the rear of the car and the cooling ducts in the engine bay all attest to their labours.
OVERALL
Although some have criticised the Continental GT for lacking the unbridled sense of occasion possessed by Bentleys of yore, it's tough to quibble with the product itself. Awesomely powerful, beautifully screwed together and dynamically excellent, the continental GT will be remembered as a landmark car. Now could well be a good time to buy used as early cars that are still feeling fresh are priced attractively low.
About the Author
By Andy Enright, Shaun Featherstone is a project manager for a website company called www.dealerbid.co.uk
who will offer the facilty for anybody thinking how can I sell my car to offer it to a network of dealers for cash purchase.
Daily Press Briefing by Press Secretary Robert Gibbs, 7/19/2010
James S. Brady Press Briefing Room 2:14 P.M. EDT MR. GIBBS: Take us away, Mr. Feller, please. Q Thanks. Two topics. On unemployment, on the extension of the benefits, it looks like the Democrats will certainly have the 60 votes they need tomorrow to get past filibuster and move this into law. So with that being known, I’m trying to understand why the President did what he did today. What’s the ...
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