So you want to save money on quad bike insurance?
Quad bikes are as popular as ever and, as petrol prices continue to rise, many people living in the country in particular may be increasingly considering the mode of transport to get them from A to B. However, on the car-dominated roads of the UK, we here at Money Saving Guides realise that the same concerns on costs are still there between the owners of differing modes of transportation – particularly with insurance.
However, quad bike insurance is a lot more different to that of a car. How do you save money on it, especially if you’re new to the game when it comes to all things off-road? Here are a few tips for you…
Use a trusted and reliable company
You don’t want your chosen company to give you a bad deal, or even go out of business in this downturn. Pick a company known by big organisations and tournaments; talk to friends if your research runs dry!
Downgrade your quad for a cheaper deal
If you’re just riding a bike to get from A to B? Get a less powerful quad bike as insurers see powerful ones as more likely to be involved in more accidents. What’s more, you’ll also have to spend less on petrol!
Claim only when you need to
If you already have a quad bike insurance policy, claiming on your deal will only push up your premiums up further in future. In the event of an accident, you can save money if it’s only something minor and you pay for it out of your own pocket.
Take an accredited course
If you want to reduce premiums further, you can lower your costs by taking an advanced riding course with an organisation like the Institute of Advanced Motorists.
Student saving tip of the year: basic bank account?
You know the story that everyone tells you after heading to university: you go there with hopes and dreams and come out with a load of debt – and a poor credit history. Luckily, these things can be avoided with a proactive approach – and granted, with today’s fees of £9,000 a year for tuition alone, you’ll have to work hard to stay on top.
However, often it’s best to understand just how prevention can be better than the cure when it comes to debt. Your student loan will already associate you with many thousands of pounds of burdensome long-term repayment structures, yet this is a reasonable price to pay to further yourself in your chosen profession. Your overdraft, though? That’s a different story.
This month’s Money Saving Guides top tip for students? Get a basic bank account. Foregoing an overdraft facility with a trusted provider, you can control what you spend and not get sucked in to overdraft fees or unexpected charges. Often you only have to pay a set-up fee and an inconsequential monthly management levy, but the rewards can be pretty superb.
Many companies are now offering cash rewards for those using prepaid credit cards at partnership retailers, meaning the right shop can save you plenty of cash on food, petrol, films and, of course, usually high-priced textbooks (though avoid that possibility with these tips, too). If you sign up a friend, others will also give you bonuses for getting them on board!
Saving money on health: preventing worse to come
The wonderful thing about living in the UK is that the NHS has always got your back. While it isn’t free – if you’re paying national insurance, at least – you can walk into a hospital and have all your ailments seen to. However, it shouldn’t always be a case of relying on this to back you up in a time of need – indeed, a lot of people would much rather never set foot in a hospital alone!
Here at Money Saving Guides, we’re well aware of aftercare costs. With these three preventative health measures, not only will you save money – you’ll also live a happier life.
Caring for your teeth
Away from the NHS, which only does necessary dental work, dentists will charge you a fortune to fix your teeth. It’s been claimed that dental health is getting worse because of smaller budgets. They’re the only bones in the body that don’t regenerate, so be sure to brush twice a day, use mouthwash and floss if you want to avoid the pain of a bad jaw and an even worse wallet.
Save money on supplements
Supplements are often seen as the best thing to buy to keep a body fit and healthy, but it’s really not the case. A balanced diet is the best way to get everything you need, as most vitamins in tablet form have the tendency to go straight through you. Calcium, iron and vitamin D are notable exceptions to the rule – if you buy anything, get these.
Keep your hearing in tip-top shape
Many people overlook the problems that they can bring upon their ears in a lifetime; whether it’s work and leisure, loud environments and blaring music in headphones can contribute to hearing issues in later life; even poor hygiene can bring about debilitating infections. If you feel like you’ve got a problem, consult specialist advice and get it checked before the problem gets worse!
Saving money on an all-year business outfit: a guide
Money Saving Guides has a keen fashion focus recently, and this time around we’d like to explain the best things for ladies to invest in when assembling an outfit for doing business. The thing is, the right balance of items can get you looking smart throughout the year. This list will give you everything you need to consider, as well as a couple of suggestions along the way.
Coat
A strong-looking coat in the black or brown colour range is always good, whatever the season may be. These colours also complement the diverse range of outfits underneath, and with materials that provide a bit more warmth like wool, you can wear your coat throughout the year.
Boots
Boots of one form or another will last throughout the year. Even if you get offerings with heels, you can still get them with enough grip to keep you upright in any weather conditions. After all, you don’t want to fall over when you’re wearing your smart attire – many women wearing heels may take a tumble of epic proportions, much like this unfortunate model in a hilarious YouTube video.
Suit
A dependable suit will last a long time, so choose it carefully. Hell, spend a little more and you could save money by getting another couple of years out of it! A skirt-suit is perhaps best to choose, though – it’ll be comfortable enough for both summer and winter, as you can team the bottom half with tights when the colder weather arrives.
While this woman looks vaguely like a vampire, she certainly offers a number of great tips about dressing for business in her position with Expert Village. Check it out below: