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One of the drawbacks of passing your driving test at an early age is that you lack experience in more than just driving. Car insurance for young people, can be a complicated business and whilst many people will have advice from voices of experience this isn’t always the case.

Choosing your insurance provider isn’t a snap decision. The other drawback to being a young driver is that you fall into one of the high risk brackets that insurance providers base their prices on. This is because statistically, drivers are most at risk of having an accident in the first two years or so after they pass their test.

According to the Office for National Statistics, one in five newly qualified drivers will have some kind of crash within a year of passing their test. Combined with the increasing numbers of young drivers on the road in the last fifteen years – and therefore an increasing number of young drivers involved in accidents – statistically speaking, you’re a bad bet for insurance companies to make.

While you can’t do anything about the nature of insurance rates and statistical identity, you can help reduce the extra cost of being a young driver. Insurance providers are competitive and some companies specialise in young persons car insurance.

A useful place to start in the search for lower insurance is to find one of these specialist providers. Once you’re there, make sure you check the summary of cover provided by the insurance company. What kind of benefits does it offer? Car insurance for young people may generally be more expensive than for older drivers but largely you’re looking for the same policies. These include:

Loss or Damage – how much will your insurance company pay to repair or replace your car if it’s lost, damaged or stolen?

Third party liability - how much can you claim for accidents that you’re legally liable for?

Legal Costs - how much cover do you get for any legal costs that might be incurred as a result of an accident or other incident?

Suspending cover – if your car’s going to be off the road for a long time, what options do you have for saving money on your insurance? You should be able to suspend your cover and claim a refund if you decide you can’t afford or don’t need your own car.

Continental use – are you covered for driving in Europe? Remember that most car rental companies won’t lease vehicles to young drivers.

A specialist insurer for younger drivers should offer to base their quotes upon your merit as a driver rather than as a statistic. At the very least they should offer some form of no claims bonus, or some way of reducing your costs as you gain experience.

It may not sound perfect but other insurance companies will likely treat you the same as any young driver even if you’re careful, responsible and have no black marks on your record – well, at least until you turn 25 and go into an older demographic.

Mathew Cooper regularly contributes articles on Car insurance for young people. To know more visit http://www.selectercarinsurance.co.uk

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Be it suburbia or the outdoors, lifestyle is very much influenced by our personality, our needs, and — perhaps most of all — our budget. Fortunately, in affluent countries like Australia, the diverse range of mobile accommodation options allows us to travel virtually anywhere we choose both comfortably and economically.

What suits me, though, is not necessarily going to be your first choice, nor are your preferences likely to match those of your close friends or relatives. Result is, all segments of the camping and RV markets are doing quite nicely.

Of course, at the budget end of the accommodation spectrum, tents are always high on the short-list of options, particularly for lovers of true outdoor freedom. On the other hand there are those who simply must have a few creature comforts, while still maintaining some degree of independence. This latter group is likely to opt for either a fully appointed caravan/travel trailer, or motorhome.

For the rest of us, somewhere along that cost/comfort scale our ideal niche is there to be found. Keep in mind, however, “ideal” is really a sneaky way of saying “acceptable compromise”. After all, no matter what your choice — tent, tent trailer, camper trailer, caravan, campervan, or motorhome — compromise will be necessary between the key deciding factors of cost, comfort, self-sufficiency and mobility. The trap is, only you can balance that mix!

Nevertheless, to help you identify your personal niche, here are a few of the essential differences between the popular options among nomadic travellers today:

Tent

Camping under canvas has always attracted a strong (and growing) band of devotees. Tents are relatively inexpensive, available in a vast range of sizes and complexities, and allow the outdoor lover to retain complete freedom, flexibility and mobility.

With tenting, though, the biggest drawbacks are the time it takes to get your camp set up, and the relative vulnerability to weather extremes. Together with sleeping, cooking and other equipment, a lot of vehicle space is required, and frequent changes of location become quite a chore with daily set-ups and pack-ups.

Tent Trailer

Moving up the budgetary scale, tent trailers might be your next consideration. These are essentially a small trailer with a built-on, collapsible frame-tent. Generally, they are more robust than regular tents, far easier to erect, and your bed (and some floor area) is raised above the ground. With a raft of optional awnings and add-ons, a tent trailer can become a canvas castle!

Keep in mind, though, towing a trailer of any kind does impact, to some degree, on campsite accessability, although heavy-duty and “off-road” models minimise this effect (especially if towed by a 4×4).

Another advantage is the freeing up of most of your vehicle load space, although you should also anticipate a quantum jump up the financial scale. (But if you already own a sturdy box-trailer, it may be adaptable.)

Camper Trailer

Even a low-spec camper trailer represents a further — significant! — hike in potential outlay over tent trailers (though the huge second-hand market is worth exploring). Even so, you stand to gain a considerable boost in comfort levels, particularly for long-term camps or extended touring.

Certainly, camper trailers still require setting up in camp, but this is a fairly quick and painless operation. Towing, too, remains reasonably stress-free considering their low profile and lighter weight compared with full-size caravans. Even so, bush mobility and manoeuvrability does suffer over tent or tent trailer outfits. And don’t forget those extra costs, such as insurance, registration, and increased fuel consumption.

Motorhome

For long-term or fulltime nomadic lifestyles, a full-size motorhome provides optimum comfort, convenience and all-round security. No towing is involved, while driving and parking is a breeze (except in very narrow streets and parking lots). Making camp, and moving off in the morning, is the easiest of all possible options.

Their main disadvantage is the high cost (in motorhome rather than campervan configuration), and the fact that every time you move — even to the store for milk or bread — you have to pack-up your “home”. And if repairs become necessary out on the road, you may be faced with motel costs.

Little brother of the motorhome, the campervan, has a similar set of pros and cons but is far less expensive to buy and operate, and considerably easier to get about in. For two people they represent an excellent all-round compromose for long-term touring, but get very “tight around the shoulders” for a fulltime lifestyle.

Caravan

For the best balance of all between space, comfort and security, it’s hard to beat a reasonable size caravan/travel trailer. For lengthy stays at a “base camp”, while getting out and about in your car or 4×4, they are ideal. There are sizes, makes and models to suit most family needs and all budgets. And the pre-loved market is endless.

Here again, though, mobility on backtracks can be greatly curtailed (even with some of the 4×4-rated rigs), and generally speaking, driving is more tiring, costly and slower. Visits to major towns, with tricky parking or tight turn-arounds, often become a real pain in the tailpipe.

So what do I recommend? Well, unfortunately there’s no simple answer! For example, depending on our plans, our camping and travelling alternates between lightweight touring (sleeping in our 4×4), and towing our home — a 16 foot caravan. Every so often, we use a canvas tent for lengthier bush camps while visiting the high country.

To my mind, there is no “one-size-fits-all” solution. But if you’re planning to embark on a fulltime traveling lifestyle, my advice would be to identify — and carefully examine — your personal needs and aspirations, then set yourself up to suit the destinations and activities of most interest.

Best part is, you have plenty of options.

Bill Revill is an Australian freelance writer, fulltime RV traveler, and remote lifestyle expert. For further information go to: http://www.livingontheroad.com http://www.authorsden.com/billrevill Copyright 2007 by W.V. Revill

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So you’ve driven down the highway and spotted an RV that looks beautiful and exclaimed “That’s what I want”. Making the decision to purchase is the easy bit – selecting what type of motorhome to purchase is the difficult part. There are so many different types and styles of motorhomes, many with common motorhome chracteristics – unfortunately selecting one that doesn’t suit your needs will not only be costly but may also put you off a pastime that could be so right for you.
The key to selecting the most appropriate motorhome or recreational vehicle for you is to know your needs and your budget. Your budget must include your initial investment and running costs, including fuel consumption, vehicle registration, taxing, insuring costs and motorhome maintenance – the good news is you will satisfy your needs within your budget.

One of the first questions you need to ask is – “how many people will use this campervan ?” All motorhomes are classified in terms of how many people they can sleep e.g. 2 berth, 4 berth etc. Most motorhomes will have a number of fixed beds and others that are convertable if/when required. Bedding is just one aspect. Seating may be another requirement or even how many seat belts. Going hand-in-hand is the concept of vehicle size. What size vehicle are you comfortable driving ? Does your driving license restrict you from driving motorhomes of certain size, dimensions and weight ? Do you have a limited parking space e.g. garage space, auto-port ?
Possibly cooking facilities is of importance to you. Some motorhomes go “light” on cooking facilities, for example European motorhomes, where the expectation is that outdoor barbecue will be the preferred method of cooking. In contrast the UK motorhome and US styled RV’s tend to have large kitchens with many culinary facilities. Fridge and freezer space may also be a consideration.

Where and when will you use your motorhome ? Will you use your motorhome during the summer months only ? Will you take your ‘van to the winter ski fields ? Factors such as winterising, insulation, heat, air-conditioning etc are factors.
Owning a motorhome is a wonderful experience and can lead to a great lifestyle. Consider the tips above when selecting your first motorhome. Make sure to take the time to consider what your requirements are apply these to chose the most appropriate motorhome for your needs.
For further information on motorhomes and recreational vehicles visit www.aboutmotorhomes.com.

AboutMotorhomes.com promotes best practice when it comes to caring for your leisure vehicle. For all about motorhome maintenance, motorhome accessories, VW motorhomes and all you need to know about campers motorhomes…..enjoy AboutMotorhomes.com.

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