Lean Machine: Ferrari V4 superbike amazing concept

This may not be the first effort at creating a Ferrari motorcycle, but it may very well be the best. Alfredo "Dino" Ferrari, the departed son of company founder Enzo, was said to have raced specially-prepared motorcycles in the 1950s. In the 1970s, Kay Engineering crafted a racing bike, now said to be worth half a million dollars, with full factory backing to honor Enzo Ferrari. In the '80s, legendary motorcycle designer Arlen Ness styled a one-off chopper on the Testarossa, while some guy named George crafted a pair of Ferrari-powered superbikes. Last year someone built a custom Scuderia Ferrari chopper for the retiring Michael Schumacher (who has since been trying his hand at motorbike racing), and earlier this year a collector crafted a model of what a Ferrari sportbike could look like. We're sure some more will be brought to our attention in the comments below, but while some of these creations have been more convincing than others, this one has to be the slickest.

The concept motorbike is the work of Israeli designer Amir Glinik, who centered his design around the theoretical application of the Ferrari Enzo's V12 engine, chopped down to four cylinders and modified to drive just one wheel in a motorcycle frame. Around the V4 engine, Glinik has designed a fluid shape that may appear more futuristic in its styling than inspired by current roadcar designs, but certainly catches your attention. Glinik has even planned out the theoretical controls, which blend elements from an F-16 fighter jet (more common in his home country than Ferraris, anyway) and the Scuderia's high-tech Formula One steering wheel, supplemented by a weatherproof touch-screen LCD atop the fuel tank.

Onetime Ferrari designer Frank Stephenson, now at arch-rival McLaren, was quoted as saying that the closest the average person will get to owning a Ferrari would be a Ducati. True as that may be, what you see here may be the most well thought-out and enticing application of the Ferrari ethos to two-wheeled motoring we've seen yet.

Sweet Digital Mockups of Fantasy Ferrari Motorcycle stylish images

Never in a million years will Ferrari build a motorcycle — and with Ducatis being so awesome who needs it to? — but it’s fun to think about what might roll out of Maranello if it ever decided to give two-wheelers a try.

Many have envisioned such a machine and a few have actually built one or two of them, the best being the Ferrari-sanctioned bike Kay Engineering built in honor of Enzo Ferrari. But few have been so wild as what Amir Glinik’s come up with. The Israeli industrial engineer started toying with the idea in 2005 and has been working on it ever since.

"Vintage and modern Ferrari projects influence my design," he says on his website. "It’s a mix of what I find to be the best Ferrari lines with the latest technology I could think of in terms of engine, gear and driving management."

Frankly, the body doesn’t quite work for us, and with that wheelbase the bike would handle more like an Escalade than an Enzo. But the engine. Oh, wow, the engine. It’s a work of art. And isn’t that what Italian machinery is all about?

Previous Ferrari-themed motorcycles have used conventional V-twin or four-cylinder motorcycle engines, although one guy shoehorned a V6 from the Dino and a V8 from the Ferrari 308 into a pair of custom-built bikes. Glinick’s concept, which is so far just files on a computer, uses one-third of the V12 from the Enzo supercar. "The idea of ’slicing’ a V4 out of one of Ferrari’s engines was something I saw at (a) very early stage of the project, and that’s what I did," Glinik says.

The bike features fly-by-wire throttle and controls modeled after those in an F16. Dual-caliper brakes clamp down on a single perimeter rotor like those found on Buell motorcycles. There’s a touch-screen control pad mounted where the fuel tank is on conventional motorcycles (speaking of, where is the tank on this bike?). It’s used for engine management and to control suspension settings, the GPS unit and other functions.

As for those huge slats at the front of the bike, Glinik calls it an "active intake system" that controls air flow to the engine, and they close completely to increase drag under hard braking. You’d no doubt do a lot of that with that sweet V4 screaming between your legs.

More info and pictures at Glinik’s site, which we found while surfing The Kneeslider.

The most beautiful sports car Aston Martin different models

Student Car Insurance

For many young people, going away to university is their first experience of living on a budget. Running a vehicle can be a huge burden on a tight budget, so for students, getting cheap car insurance is important.

Finding cheap student car insurance can be difficult though, because students are seen by insurers as a high risk group.

If you have moved away for your studies, your new address might also have a detrimental effect on the quotes you are offered, as insurers consider the crime rates in the area where the vehicle is kept when they assess your premium.

As a student then, you may be tempted to go for the lowest possible quote available, but you should consider the terms of the policy and what it offers rather than simply opting for the cheapest student car insurance.

Saving money on car insurance for students
Choosing a sensible car with a small engine and no modifications is a common sense way of saving on your insurance premiums, as high-performance vehicles with expensive parts tend to attract higher rates.

If you find that fully-comprehensive cover amounts to more than your actual car is worth, it may be worthwhile comparing the quote against theft only and third party, fire and theft policies. Our comparison tool makes it easy to toggle between the different types of cover to quickly gauge the difference in premiums.

By spending some money on installing security equipment like an immobiliser or car alarm you may be able to lower your premium, provided the insurer approves the equipment.

Agreeing to a mileage limit with the insurance company might help to lower the costs, but you must not agree to a limit which is unfeasible.

Some insurers offer no-claims 'accelerator' policies, where you can earn a year's worth of no-claims discount in as little as nine months.

Shopping around and using our price comparison tool will help you to get a broad view of the market. At moneysupermarket.com we compare more than 100 insurance companies to help you find a competitive deal.

If you have recently passed your test, you might want to consider taking the Pass Plus advanced driving course. It may save you 10% or more on your premium in your first year of driving.

Consider what policy extras you will genuinely need. If you were forced to take your car off the road for a period, would you need a courtesy car to get you between home and university, or would you be able to use public transport in the meantime?

Car Insurance For Young Drivers

An increase in car insurance premiums is something that will have affected most people but there is one group that seems to be hit harder than most... young drivers.

This is because insurance companies see the young driver car insurance market as a high risk demographic and so raise the prices of their premiums accordingly.

With this in mind it is essential to shop around and find as many prices as possible to secure an affordable young driver insurance policy - with our free comparison service you can view prices from over 100 companies in just a few minutes.

Why young drivers are a high risk group
Unfortunately, it is a fact that young drivers account for a disproportionate amount of accidents on UK roads and this is one of the main reasons why insurance companies consider younger drivers to be a higher risk.

Statistics show that one in five drivers are involved in a crash during their first 12 months behind the wheel and that road users are more likely to be involved in a traffic accident during the first two years after passing their test.

It is also the case that drivers aged between 17 and 25 are responsible for one third of road fatalities in the UK and that young drivers are more likely to be the victim of theft, fire and vandalism that result in insurance claims.

How to get cheaper young driver insurance
The average price of a car insurance policy for drivers aged between 17 and 21 now stands at over £2,000 but, in spite of this, there are several ways that young drivers can lower the cost of their car insurance.

After passing your driving test it can be a good idea take a Pass Plus course as this can earn you a discount of up to 35 per cent with some insurers. There is no test at the end of the course and you will be issued with a certificate from the Driving Standards Authority (DSA) once your instructor is happy that are competent in areas such as driving at night, on motorways and in town traffic. The Pass Plus certificate can only be issued with one year of passing your driving test.

Insurance premiums are massively affected by the type of car that you drive so try to stick to small engine cars from low insurance groups and avoid any modifications.

Although it will undoubtedly be cheaper in the short term to be added to a parent's insurance policy it is better to take out your own policy and start building up a no claims discount as this will lead to even greater savings in the future.

Furthermore, if you are the main driver or registered keeper of a car, it is imperative that you DO NOT insure the car in your parents' name and add yourself to the policy as a named driver. This is a form of insurance fraud known as 'fronting' which will invalidate your policy and could lead to you being charged with driving without insurance, an offence that carries a minimum punishment of six penalty points and a £200 fine.

Short Term Car Insurance

Short Term Car Insurance

Although car insurance policies generally span 12 month periods, there are instances where we only need cover for a short spell. In these instances, short term car insurance can be a helpful solution.

Whilst moneysupermarket.com doesn't presently compare temporary car insurance policies, we want our customers to be in-the-know about all types of insurance policies. We've also joined forces with dayinsure.com to help you find the cover you need.




How temporary car insurance works
When you add another driver to your policy, you run the risk of losing your no-claims discount; through no fault of your own.

With a short term car insurance policy however, you can have another driver legally use your vehicle without fear of them jeopardising your no-claims bonus.

On the other hand, if you needed to drive someone else's vehicle for a short period, you could set up short term car insurance to afford them with the same peace of mind.

At moneysupermarket.com, we have teamed up with short term car insurance specialists dayinsure.com and tempcover.com to provide you with temporary cover.

When you might need short term car insurance
Short term car insurance could be ideal if you are borrowing a friend or relative's vehicle. It might also be appropriate if you have visitors coming to stay, perhaps on holiday from another country, for a short period.

If you want to lend your car to a friend or relative then temporary cover might be a sensible option, and if you are buying a new car but haven't yet been able to sort out a permanent policy, short term car insurance would cover you for driving the car home from the dealership.

One day car insurance
Daily car insurance gives you the option of insuring your car on a day by day basis, or for a predetermined number of days. The added flexibility means you can tailor your car insurance requirements to specifically suit your needs.

Our day car insurance partner, dayinsure.com, can help you to find cheap one day car insurance cover for any duration between 1 to 28 days from a panel of UK underwriters.

Cover can be set up quickly to provide instant, single day car insurance cover should you need it.

To obtain a price for short term car insurance from our specialist partner dayinsure.com, simply click the "Get a quote now" button to get started.

Temporary car insurance conditions
Temporary car insurance is available to anyone with a full UK driving license, though the cover may be subject to age-restrictions.

Should you decide to buy temporary cover, you should carefully consider the period the cover will span, and ask the insurer if you would be able to extend the cover at the end of the agreed period if necessary.

Some insurance providers will offer short term car insurance to drivers with European or other types of driving license, but you should check with the individual insurer.

Sports Car Insurance

Given that car insurance companies offer premiums based on the risk posed by you and your vehicle, it's no surprise that sports car insurance can be expensive.

High performance sports cars are capable or high speeds, and are comprised of expensive parts and materials which would be costly to replace in the event of an accident. Their high-value also makes them theoretically more attractive to thieves, combining to make a perfect storm of potential risk in the eyes of insurance companies.

Things to consider in a sports car insurance policy
If you are likely to be taking your sports car to a racing track in the future you will need to check if your sports car insurance policy covers you for it. If not, you should speak to the insurer to find out if the extra cover will increase your premium.

Specialist insurance companies may offer additional incentives, such as discounts if you are a member of a car owners' club. They may also offer an 'agreed valuation' on your car, giving you the peace of mind in knowing exactly what your vehicle is insured for.

Some classic sports car insurance providers may offer a limited mileage policy, offering a cheaper premium in exchange for a limit to how much you drive the vehicle.

Lowering the cost of insuring a sports car
As you are likely to be facing higher premiums for your high performance vehicle, you can limit any further increases by limiting the number of modifications you make to it.

Any modifications which enhance the performance of the vehicle or that increase its value are likely to have a detrimental effect on your premium and make it more difficult to find cheap sports car insurance quotes.

If you are yet to buy the sports car of your dreams, check which insurance group it belongs to first. All vehicles are assigned a car insurance group, from 1 to 50, with cars in the 50 band being the most expensive to insure.

Agreeing to a mileage limit could also be beneficial. If you are lucky enough to own a convertible car that you only drive during the summer months, for example, you should tell your insurer, as it may reduce the premium.

If you have any named drivers on the policy, try to limit them to drivers aged 25-years-old and older.

Opting for a higher voluntary excess may lower you premiums to a certain extent, but you should remember that the voluntary excess you agree to is not a hypothetical figure, so you should choose a sum you would actually be able to afford in the event of a claim.

Keeping your car parked in a secured location overnight and installing insurer-approved security devices like immobilisers, car alarms and steering wheel locks can also help to lower your sports car insurance premiums.

Business Car Insurance

If your job requires you to drive your own vehicle for business purposes, then you need a higher level of coverage than just social, domestic and pleasure and commuting.

Business car insurance is designed for road users who use their car as part of their working day.

With our comparison tool you can specify that you use your car for business and quickly compare dozens of quotes.

What type of business car insurance do I need?
When applying for business car insurance, you can expect to be asked for some information about what your business use entails, and how much work-related mileage you will accumulate.

Private and occasional business use policies cover the main driver or their spouse who only occasionally have to drive a vehicle for work, but in a vehicle that is not registered in the businesses' name. It must not be used for an essential part of the job, like that of a door-to-door salesperson, for example.

Private and business use policies cover the same parameters as private and occasional business use policies, but in this case the vehicle can be registered to a business and cover any driver.

Commercial travelling policies cover people for whom driving is a permanent aspect of their job, such as a travelling salesperson.

It is very important to be clear which of the three types your business use belongs to, because failing to understand the difference could leave you under-insured, and in the event of a claim you may find the insurer refusing to pay out.

Keeping the cost of business car insurance down
You may be able to negotiate a cheaper business car insurance quote with your insurer by agreeing on a mileage limit. This method relies on you being able to prove that you only travel limited distances, so you should only agree to a feasible limit.

As with any insurance policy, you may be able to lower your premium by installing security devices that are approved by the insurer, such as an immobiliser or steering wheel lock.

Parking your car in a secure location like a locked garage overnight is also looked upon favourably by insurers. If your car is parked in a secured business premises overnight, then tell your insurance company.

If you are buying a new vehicle which you are likely to be using for business purposes, you might consider one with a smaller engine as they tend to attract lower car insurance premiums.

American Car Insurance

As a UK driver, American car insurance can not only be difficult to find but it can also be pretty expensive. With our comparison tool you can get prices from dozens of insurers in just a few minutes to increase your chances of finding affordable cover.

The cost of insurance for an American car
One reason cover can be costly is that American car imports are seen as a greater insurance risk simply because they tend to have more powerful engines. Another reason is because car parts for imported models are often harder to come by and, should you be involved in an accident, there's a good chance that repair costs will be high.

And, because most UK insurers are unlikely to provide insurance for a vehicle that has not been designed or built specifically to meet EU standards, the chances are that you will need to take out some form of specialist car insurance to ensure that your American car is legally insured.

Ways to get cheaper American car insurance
Whether you drive an American muscle car, a Hot Rod, a Street Rod or a Pick-Up there are a number of ways that you can lower the cost of your car insurance.

When looking for US car insurance it may be worthwhile checking out companies that specialise in American import insurance as they will have knowledge of the type of vehicle you are insuring, access to approved repairers and may even be able to offer discounts.

It may also be a good idea to become a member of an American vehicle owners club as membership may entitle you to discounted car insurance. This is because some insurers see enthusiasts as a lower risk group that are less likely to be reckless with their vehicle.

If you are driving a classic American car then it is also worthwhile comparing the prices offered by companies that specialise in classic car insurance or classic American car insurance as they may provide cheaper premiums for older, more cherished vehicles.

The major difference between cars from the US and cars from the UK is the fact that the steering wheel is situated on the left hand side of American cars rather than the right hand side, as in UK cars. So a good tip is to try out non-specialist insurers that may offer left hand drive insurance. If you can find a discount car insurer that offers cover for left hand drive vehicles then this could save you money on your car insurance.

There are also a number of 'common sense' tips that can bring down the price of your premium such as fitting insurer approved security devices to your car, keeping it in a locked garage overnight and, if you can avoid using it as a daily driver, you may be able to reduce the cost of your American car insurance by reducing the amount of miles you travel

Car Insurance For Teenagers

More and more teenagers are taking to the roads, with most choosing to buy a car rather than relying upon sharing a parent's vehicle.

Locating a suitable car is only one part of the mission however: the other important part is that of finding affordable car insurance so you can enjoy driving your new car knowing that you are covered. Here at moneysupermarket we aim to take the stress out of finding car insurance for teenagers.

Generally the cost of a teenage driver insurance policy is higher than for an experienced driver. The reason for it being higher is mainly down to the simple fact that new drivers, particularly younger drivers have less experience on the roads.

Finding insurance with an affordable premium can prove a frustrating and time consuming task when searching individual companies, answering the same questions over and over again.

How to save money on teenage car insurance
In order to increase your chances of finding cheap car insurance for teenagers it is important to consider the following points:

Fight the urge to buy a high performance car or one with modifications, as a teenage driver these types of cars will only up your premium, wherever possible stick to the smallest sized engine. This will help to lower the insurance prices you are quoted.

Don't opt for an expensive car in the first instance, instead go for one that is in good working condition but not top of the range. You will pay a higher premium if your first car is a costly make or model.

Weigh up the cost of third party, fire and theft cover versus a fully comprehensive policy. It may be cheaper to take out a TPFT policy but this isn't always the case and you may be able to secure better coverage at a similar price.

Check if potential insurers will quote you a cheaper price if you accept a larger voluntary excess. This is the amount of money you opt to contribute if you do have an accident. Having a bigger excess may reduce your premium but remember to set this at a level you could afford in the event of a claim. Check out our car insurance tips for more ways to save.

Finally, shop around with our comparison tool and quickly compare teenage car insurance quotes from dozens of companies to find competitive prices.

Car Insurance For Women Drivers

Women's car insurance is now an industry of its own and there are several companies that have been set up to provide cover specifically for female motorists. You can get quotes from many of these companies by using our comparison tool to quickly obtain prices

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The main reason female drivers benefit from lower premiums is largely due to the fact that statistics show that women tend to make fewer and less expensive claims than male drivers. So even if the difference in the number of claims made by men and women is marginal, claims made by women tend to be for minor bumps whereas male drivers are involved in more expensive write-offs.

In addition, Government figures also show that men account for over 92 per cent of UK driving convictions and are also responsible for 98 per cent of all convictions for dangerous driving.

This means that insurers see women as a lower risk insurance group than men and so females can benefit from cheaper premiums through specialised female car insurance providers.

Saving money on your women's car insurance policy
There's no reason why any savings made on car insurance should stop at simply talking out a policy designed specifically for women and there are a number of steps lady motorists can take to get an even cheaper quote.

The type of car that you drive has a huge affect on the price of your premium so try to go for a car that has a small engine, is in a low car insurance group and has no modifications.

If your car is fitted with an approved alarm and an immobiliser then this will lower the price of your premium as will parking the car in a locked garage overnight.

Make sure that you adjust your mileage accordingly on your insurance application as, in general, the fewer miles you drive the cheaper your insurance will be.

If you are a young driver or have just passed your test then try to take out your own policy so you can build up your own no claims discount which will lead to bigger savings in the future. Similarly, it is better for older drivers to not have a younger named driver on their policy as insurance companies are putting up the prices for people that include their offspring on their insurance.

Can men benefit from cheaper car insurance for women?
Although there is no comparable type of cheaper motor insurance for men, this doesn't mean that men can't benefit from the more competitive rates offered by female only car insurance policies.

One way of doing this is to be registered as a named driver on a woman's car insurance policy as this can often be cheaper than having your own policy. This is particularly useful if you share a car with a female driver but a major downside is that you cannot accumulate any no claims discount when you are a named driver on a policy.

This can also work the other way around and men can make savings on the cost of their car insurance by simply registering a female partner as a named driver on their policy.

There are other ways that both men and women can cut the cost of their car insurance so be sure to check our money saving tips guide to see how you reduce the price of your premium.

Taxi Insurance

If you are a taxi driver, or are a considering becoming one, you will need to insure your vehicle. Of course, taxi insurance is a little different to conventional car insurance and is quite often more expensive due to the increased risk involved. However, we at moneysupermarket.com have teamed up with Cabshield in order to provide you with some great taxi insurance deals - click below to get a quote.



What to consider when looking for private hire insurance
Insuring a vehicle for private hire use can be a little more difficult than insuring a personal vehicle - after all, a taxi needs to be practical for its purpose, so buying a small hatchback with a smaller engine capacity is not really a choice for those looking for cheap taxi insurance.
This often means that you are forced to buy a large, fuel hungry vehicle with a large engine which can be costly in terms of both insurance and fuel - the high mileage typically done by taxi drivers often exacerbating the matter.

What can you do to save money on your taxi insurance?
There are things you can do to save yourself money however. For example, diesel vehicles are less thirsty, and will often be cheaper to run in the long run, despite being more expensive per litre of fuel. You should also check the car insurance group of any vehicle you are looking to purchase - a lower group often means not only are you more likely to get cheap taxi insurance, but that your vehicle will also be safer and cheaper to repair should you ever have an accident.

Of course, insurers will still consider your driving history when you apply for a taxi insurance quote online, and for this reason (amongst others) it is advisable for you to keep your license clean - a speeding conviction can make your premium around 20% more expensive, for example. You will also find that your taxi insurance will get cheaper as time goes on, in similar fashion to 'normal' car insurance - for example, once you have held your taxi badge for 12 months you may find that your premiums decrease, and drivers with a history of driving company vehicles will sometimes receive a discount from their insurers.

What types of private hire and taxi insurance are available?
There are also a number of different types of taxi insurance you can purchase, the three main ones being Policyholder Only, Named Driver, and Any Driver over Set Age. Policyholder only is generally cheaper to purchase, as the more names added to the policy the more expensive it will become.

You should also consider purchasing taxi breakdown cover - many private hire insurance providers offer this with their insurance, and as such paying a little more for it can often work out to be a good financial move. The same also applies to public liability insurance; as you will be transporting members of the public it is a good idea to cover yourself should they be injured in your vehicle and decide to sue.

We at moneysupermarket are dedicated to finding you the right deal on your taxi insurance - click on the link above to get a quote from Cabshield.

Car Insurance Policy Types

Car insurance is a legal requirement for UK motorists and there are currently three levels of cover available; Third Party Only (TPO), Third Party Fire & Theft (TPFT) and Fully Comprehensive.

And, before you compare quotes with moneysupermarket.com, it's useful to know about the varying levels of cover to determine which type of car insurance policy best suits your needs.

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Third Party Only
Third Party Only (TPO) is the minimum level of cover required by UK law and is the most basic type of car insurance available to motorists.

This type of car insurance only covers the costs incurred by others (third parties) and does not offer any protection to you or your car. This means that, if you are at fault for an accident, your policy will pay out for repairs to any other vehicles involved but will not pay out for any damage to your vehicle.

TPO insurance has always been viewed as the cheapest way to insure your car, the logic being that the lowest level of cover is provided at the lowest price. But it's often the case that Fully Comprehensive polices are actually the cheaper option so it's well worth comparing the costs to ensure that you get the best level of cover at the best available price.

Third Party, Fire & Theft
The next level of cover is Third Party, Fire & Theft (TPFT) which offers the same protection as TPO car insurance but also covers your own vehicle in the event of it being stolen or damaged as a result of fire or theft.

But, as with TPO cover, if you are at fault for an accident then the policy only covers liability to any third parties involved and offers no protection for you or your vehicle.

TPFT is generally a good option for cheaper cars but, again, it's worth comparing the cost against a Fully Comprehensive policy as you may be able to obtain a better level of cover at a comparable price.


Fully Comprehensive
Fully Comprehensive car insurance offers all of the third party protection of TPFT and also includes cover for you and your vehicle should you be involved in an accident.

This means that, even if you're at fault for an accident, the policy will cover the cost of any repairs to your own vehicle as well covering any third party vehicles involved.

Fully Comprehensive car insurance is the most complete type of cover available and often comes with optional extras such as breakdown cover or courtesy car hire. But it's worth noting that no car insurance policy will cover every eventuality so it's always worth reading the terms and conditions of cover to ensure that any policy you take out meets all of your requirements.

It is also a common misconception that Fully Comprehensive policies are the most costly option simply because they offer the most complete level of cover. In actual fact it is often the case that they are cheaper than TPO and TPFT policies and so you can get more protection at a lower price.

Third Party Car Insurance

Car insurance is a legal requirement and third party cover is the minimum level of cover required under UK law. And, due to its basic level of cover, third party car insurance has long been considered to be the cheapest way to insure your vehicle.

But this is not always the case as more and more customers that compare quotes with moneysupermarket.com are finding that fully comprehensive policies not only provide the highest level of cover but are actually the cheaper option.

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Third party car insurance ensures that compensation is available in the event of damage caused to someone else's property, including the cost of repairs to another vehicle, and injury caused to any third parties, including your own passengers.

You will also be covered for any accidents that arise from the use of a caravan or trailer attached to your vehicle as well as any accidents caused by your passengers.

The major downside to this type of policy is that there is no cover for yourself if you were to suffer an injury nor is your vehicle covered for any damage sustained in an accident, theft or through an act of vandalism.

Is third party insurance right for you?
It is accepted wisdom that this type of policy is the best option for new drivers with no insurance or those with cars of a very low value. But this is no longer the case and, now that fully comprehensive car insurance is often lower in price than many third party only policies, it's difficult to know who would actually benefit from this level of cover.

If you own a car that has a high value then it's probably a better idea to take out a policy with greater coverage than third party only car insurance as any saving you might make through the lower level of cover my be negated by the cost of repairs to, or replacement of, your own vehicle after an accident.

In addition, this level of cover does not provide any pay out to cover damages in the event of an accident or a replacement if your vehicle is stolen.

So when choosing your level of cover it's always worth using our price comparison tool to compare third party car insurance quotes against the different types of policy to ensure that you get the greatest level of protection at a competitive price.

Multi-Car Insurance

If you live in a two (or more) vehicle household, you could save money each year with multi-car insurance - a single policy that covers more than one vehicle.

How does multi-car insurance work?

Multi-car cover allows you to use a single policy to cover multiple vehicles. Some providers will cover up to five vehicles under a single multi-car policy provided they are all registered to the same address - which means that an entire family could be covered under the same policy, provided they all live at the same address.

A multi-car policy is a lot like buying your insurance in bulk - because multiple people are protected by the same policy, your insurer can reward you with lower prices for that cover in the same way that energy companies will often offer you discounts on dual fuel energy bills. You are making their administration process simpler and also bringing more business to the company.

However, buying a multi-car policy does not always work out cheaper, and as such it's always worth exploring both options before you make a decision.

What should you look for in a multi-car insurance policy?

There are a few considerations you should make when it comes to deciding if a multi-car insurance quote is right for you:

Who is covered for what - While multi-car insurance covers multiple vehicles, not every person on the policy is covered to drive every vehicle. Make sure all drivers are covered for vehicles they need to be when setting up the policy, as changing this can affect the cost.

No claims discount - As a rule, if one of the drivers on your policy has a claim made against them, it should only affect the involved drivers no-claims history - but make sure this is the case before applying.

Changing vehicles - Check the details of the policy to make sure that should you change your vehicle during the life of the policy, you are able to change it with your insurer.

Renewal dates - Some insurers will link all the renewal dates together, which can prove to be particularly expensive if paying annually. If you would prefer to keep the payments smaller, make sure that you are able to pay monthly - but be aware that you will pay more overall if you choose this option.

Make sure that your multi-car insurance is competitively price compared to insuring the vehicles separately, and also be certain to ask the provider about extra discounts - for example parking in a garage at night, or fitting extra security to your vehicles.

BENEFITS OF LANDLORD INSURANCE

• Cover for houses, bungalows and flats. 
• Commercial and residential combined. 
• Loss of rent cover is 30% of the buildings sum insured.
• Employers Liability to £10 million.
• Property owner's liability £5,000,000. 
• 45 day unoccupancy clause. 
• Contents cover up to £40,000. 
• Insurance cover is 'new for old'.
• Replacement lock cover after a theft
• Standard policy excess: £250 for buildings and £50 for contents

The full terms and condition can be found below but the main benefits include:

Advisors costs up to 10,000 per claim.
Monthly Rental up to £2,500 per month (Maximum £10,000 per claim).
Flexible cover to match your needs.
REQUIREMENT
NB. Tenant referencing
It is a requirement of this policy that the policy holder presents the following information in the event of a claim.
EITHER (For professional lets ONLY)

2 forms of identification from the tenant, one containing a clear verified photograph.
Confirmation of employment – a written employers reference on company letter headed paper confirming the Tenants permanent and current employment and that their salary is at least a multiple of 2.5 of the Tenant’s Rent.
A credit check, clear of CCJ’s, bankruptcies & indicating confirmation of residency.
The documents should be no more than one month old from the start of the Tenancy.
OR (If the above is not available or for students and/or DSS lets etc.) A full tenant reference from an approved referencing company. (See Tenant Referencing)

BENEFITS OF HOMEOWNER INSURANCE

• Home contents insurance with the option of personal belongings cover
• Instant online home insurance quote
• Buildings cover available, with or without contents
• Extra discount if you take out buildings and contents insurance combined cover
• Flexible cover to match your needs
• Monthly payment option
• Garden cover available via our home insurance policy
• Legal Liability to public to £2,000,000
• Accidental damage cover
• Alternative accommodation

Helping you buy the correct landlord insurance with our quick & easy process

If you rent out property for commercial use or you are a landlord with a mixed portfolio of commercial and residential properties, please see our Commercial Landlord product.

In order to make your Landlord Insurance quote process more straight forward, please have the following to hand:

Your properties' rebuild values
Details of any loss, damage, injury or disability during the past 3 years in connection with the property you wish to insure
Please also read the Assumptions page to find out more about the important statements you need to comply with.

Our quick and easy Landlord Insurance quote process consists of 2 stages:

Stage 1 - Your property details: Basic questions about you/ your property
Stage 2 - Your quote: A standard quote with options to increase some cover levels or add additional covers to suit your individual needs
From here you can proceed to review your quote summary and buy your policy - either by paying monthly or annually - it's that easy!

For more information about our Landlord Insurance, please visit the Summary of Cover page, or for full details read the policy booklet.

RETRIEVE A SAVED QUOTE
GET A LANDLORD INSURANCE QUOTE
We understand you have unique landlord insurance requirements
Letting a residential property presents its own unique set of challenges and our insurance is designed to reflect that. Whether you are covering the building or the belongings within, as a residential landlord or buy-to-let owner you'll be concerned with getting the right cover for your property or portfolio. That's why we ensure our standard policy includes the essentials (buildings and property owners liability insurance), with the option to increase cover limits or add on cover to suit your individual needs.

If your property holdings change, perhaps through the purchase or sale of a property, or a refurbishment, let us know and we'll adapt the quote to your needs, saving you money wherever we can.

Getting a quote is quick and easy, just click 'Get a Landlord Insurance quote' and we'll guide you through the process.

RETRIEVE A SAVED QUOTE
GET A LANDLORD INSURANCE QUOTE
Our landlord insurance is for landlords, buy-to-let owners or management companies who...
Own or manage residential properties
Are responsible for insuring the building or freehold or its contents
Offer properties with tenancy agreements of
six months or more
Do not let properties to housing associations, local authorities, students or asylum seekers
Have no more than five residential properties to insure - If you have more than five please call 0845 303 1763