Motor Insurance Quotes – Are Motor Insurance Quotes Legally Binding?

Q: Are the motor insurance quotes I receive from insurance companies binding? If so for how long?

A: The answer to that is yes and no. Let us explain. If you receive motor insurance quotes from an insurance company – then that is the price they are going to charge you. However, they are not legally bound to quote you the same price if you call them back three days later.

It is likely you will receive the same quote from the same company provided there were no incidents from when you first received the quote, but just because it is likely doesn’t mean that the company is bound to stand to by the earlier quote.

A good way to find out how long the quoted rate is good for is to ask the agent or representative who is giving you the quote. Be wary of a hard sell at this point however as the agent is going to realize you will be requesting quotes from other companies.

Motor insurance quotes are liable to change suddenly due to market changes, new insurance legislation, or a driving offense that may have occurred. To avoid this we recommend doing all of your insurance shopping over a one or two day span. This will ensure you get the price that was quoted to you.

Lastly, we strongly recommend that you take comparison shopping seriously when it comes to finding the best deal on auto insurance. While it may sound like common sense, there are many drivers who don’t take the time to compare quotes from different companies and end up overpaying for their coverage as a result.

Benefits of Shopping Malls

The earliest malls were Paris Arcades in the 19th century. They became very popular with shoppers instantly. Since then shopping malls have evolved to suit people’s tastes. Shopping malls are the most preferred shopping areas in our times among shoppers across the globe.

Earlier shops in shopping centres catered to the elite. But it is no longer the case. Now, there are shops in shopping malls which cater to different budgets.

Shoppers prefer shopping centres/malls to stand-alone shops for various reasons:

1. They have their own parking facility.

2. There is a wide variety of products available.

3. There are products from competing producers available under one roof. So, they can compare and make purchases.

4. They have facilities such as restrooms.

5. They have gaming zones.

6. There are food courts with a wide variety of cuisine.

7. There are movie theatres in shopping centres.

All these features making shopping a fun-filled and satisfying experience.

Since shopping centres are the most sought-after shopping destinations, it is beneficial for a businessman to set up a store in a shopping mall. Generally, retail store owners rent shop space in a mall. Renting store space benefits the businessman in many ways.

• Shopping malls are usually located in prime locations which are easily accessible. If a retailer sets up a store in a mall, he can have the shop in a prime location with a minimal investment. On the other hand, if he attempts purchasing a shop in such a location, he may not be able to afford it. A rented property implies low initial investment. This enables the businessman to utilize the saved amount on his business.

• He can attract clients of competitors who have shops in the mall. This enables him to build a clientele easily.

• He does not have to direct his time and efforts towards the maintenance of the shop. This helps him to focus on his business.

• Generally, the charges for utilities are included in the rent. Hence, he does not have to involve himself in these matters.

• Many a time, businessmen set up pop-up stores in shopping centres in order to attract customers for new products. This is a popular location for a pop-up store as it is a high traffic area.

With so many benefits of shopping malls to shoppers as well as businessmen we can conclude that shopping centres will only rise in popularity with time.

6 Things You Must Consider Before a Canadian Motorcycle Ride

If you plan to cruise the highways and drive a motorcycle in Canada the following information will be useful to consider both for your own safety, and for your own piece of mind.

Canadian Highways and Rural Roadways

Whether you decide to rent a motorcycle or drive your own, Canada has a massive system of well managed city streets and highways which will bring you just about anywhere you want to go.

The main highway through Canada is the Trans-Canada Highway, which goes coast to coast. The distance from the east coast to the west coast is about 8000 km or around 4,900 miles. You could go on a Canadian motorcycle ride for weeks and never get to see everything.

Motorcycle Rentals

Renting a motorcycle in Canada may be something you want to consider. Canada has several motorcycle rental companies found near the major cities and towns. Rates vary depending on the season, type of motorcycle and length of rental. The minimum age to rent a vehicle in Canada is usually anywhere from 21-25 years old. If you plan to travel through the western provinces on your motorcycle you might want to look into the many popular tourist attractions, and the great roads to travel.

In order to rent in most cases you will need to have a major credit card. Requirements may vary from each province. Be sure to reserve your motorcycle ahead of time during peak travel times, which are usually from mid May to November.

Camping With Your Motorcycle

Most Canadian provincial and national parks, private campgrounds and other conservation areas allow you to camp with your motorcycle.

All of the Canadian provinces have a government agency that is responsible for tourism. You should check their websites or call for information to get get maps, and possible promotional offers, and maybe even some more Canadian motorcycle information. If you plan to stay in a campground near a popular park like Banff, Whistler, and Fundy National Park you should book in advance.

Driving Laws- Canadian Motorcycle Driving

In Canada the road laws are very similar to the rules in most US states. Most road safety laws and regulations are determined at the provincial and territorial level, so make sure you know the particular rules for the province you plan to be visiting. One rule for motorcyclists throughout all Canadian Provinces is that you must wear a motorcycle helmet if you are driving a motorcycle in Canada.

Other things to consider while driving through all the Canadian provinces on a motorcycle are that you are allowed to make a right turn on red lights in most cities through the country after coming to a complete stop. Be careful because because in some areas of Quebec you are not allowed to do this. For more information, check with the Government of Quebec's website.

In all Canadian provinces pedestrians have the right-of-way and you must yield to pedestrians at crosswalks. The speed limit on the most rural highways is usually around 90-100 km / hr or about 55-65 mph. Speed ‚Äč‚Äčlimits are enforced primarily by the RCMP in rural areas, and municipal police in most major cities throughout Canada.

If you are rolled over by a police officer you must provide proof of insurance, driver's license and registration.

Weather

Many people who are not from Canada picture the country as having vast piles of snow and snowmobiles as the main mode of transportation. Nothing could be more false. In most provinces you can ride a motorcycle 8-9 months out of the year. In Vancouver British Columbia and other western cities and towns, people drive year round. The summer months can get very humid in Canada, and there are many Canadian motorcycle events held across the country on an annual basis.

Motorcycle Insurance Canada, Driver's License and Permit

If you plan a ride a motorcycle through Canada and you are from the United States., Your driver's license is valid in Canada. Be sure to bring proof of motorcycle insurance by talking to your insurance company for a free Non-resident Inter Provincial Motor Vehicle Liability Insurance Card before you leave, or carry your policy itself.

If you're driving a borrowed motorcycle, you should bring a letter signed by the owner that says you are allowed. Also for a rented motorcycle, carry a copy of the rental contract.

Catering Business Profits, Earnings and Salaries – How Much Money Can You Really Make?

Many people have turned their love of cooking and entertaining into a good living by starting catering businesses.

Catering is a multi-billion dollar industry in the U.S. and as one of the fastest growing segments of the food and beverage industry, the catering business offers great opportunities for those wanting to start a small business with a low start up cost.

In this article we will look at catering business profits, earnings and salaries and how much money it is really possible to make in this industry. Then we will examine some of the things that separate the really successful players from the amateurs.

Is a $100,000 Yearly Profit Possible in Catering?

Many people consider a $100,000 pre-tax salary or profit to be a benchmark for success and they wonder if they can reach this level of earnings in catering.

Most small catering business owners who put in the effort can expect to earn between $20,000 and $40,000 profit per year for the owner during the first couple of years. After a couple of years in the business, you can easily scale up to earning a ‘six figure’ annual income from catering.

Tips for Getting to the ‘Six Figure’ Level

1) Forget catering from your home kitchen if you want to get to this salary level. Business savvy caterers do volumes that require them to either rent commercial kitchen space by the hour, arrange access to restaurant kitchens during off-hours or focus on ‘on-premises’ jobs only and use the kitchens of their clients.

2) Successful players love spending time creating menus, following food trends and interacting with people without neglecting the business side of catering.

3) Start to create a powerful brand right from the start with your logo, company values and unique service that will grow into a valuable asset that allows you to command a premium price for your catering services in the market.

4) Develop systems for every part of your business to streamline day-to-day operations. Analyze the way that you and your staff work and strive to increase productivity.

5) Understand that there are ‘niche’ markets within the catering industry that you would never think of until you really start looking. Top caterers find these untapped opportunities, and carve out a business catering to the specific needs of these groups.

6) Perfect the process of consulting with new clients and learn how to politely up-sell them on some of your more expensive offerings.

7) Realize that you are leaving money on the table if you don’t also up-sell additional event related services to your customers.

8) Learn how to hire, train and organize a small team to assist you with food preparation, delivery, service, and even sales if you want a realistic chance of getting to an income level above $100,000.

9) Don’t neglect traditional advertising methods but also pursue other modern marketing methods such as networking, cross promotions and guerrilla marketing.

10) Successful caterers also recognize the importance of customer referrals. Customers may introduce friends to you because they like your food and services but there are also other ways to get them talking about your company.

To get started on the right track, do as much reading as you can about general small business management and the catering business specifically. Many highly successful caterers have published start up guides and you have a chance to learn from their mistakes instead of making your own and you can benefit from their expert advice and insider tips.

It is possible to make a lot of money in the catering business if you put in the effort. Reaching a level of earnings that will allow you to make a ‘six figure’ salary from your catering business is entirely possible within your first two years in business.