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If you’re a Motor Trader you’ll know more than anyone just how price sensitive the automotive industry can be. And as Motor Trade Insurance is likely to be one of your companies biggest outgoings paying the right price for your Motor Trader Insurance is going to be vital.

Whilst the UK has benefited from a pretty stable financial environment in recent years with rising house prices, low interest rates and many companies making money there now maybe signs of a change. During 2006 interest rates rose steadily and with 1 rate rise in 2007 already (and with more forecast as the year progresses) there is every chance that there will be less disposable income in the UK economy.

So what will this mean for consumers and Motor Traders?

Well for consumers it could mean they have less money to spend on new cars, second cars or indeed on the servicing and repair of existing vehicles. There is also every chance that as value for money becomes more of an issue they will shop around to secure the best price and service.

And when Motor Traders Insurance policies come due for renewal there is every chance they too will start looking around to secure the best deal on their Motor Trade Insurance. And if indeed money is an issue it is very easy for companies in the motor industry to opt for the cheapest is best option. After all, isn’t one type of Business Insurance pretty much the same as all the others?

Well for Motor Traders in the UK I would urge you to proceed with caution as whilst low cost motor trade insurance is available from many different insurance providers you don’t want to leave yourself in a position without the right level of cover or the right insurance excess (or deductable).

For many motor traders the best option to take when buying motor trade insurance for the first time or when their current motor trader insurance comes due for renewal would be to consult the services of an insurance broker. An insurance broker who specializes in motor trade insurance can search the market to find you the right cover at the right price so you not only save time – but you also save money.

In the event of you needing to make a claim they can also help you get the claim settled quicker and more favourably. A good insurance broker should give you advice and make sure you only pay for the insurance cover you need and want.

Before we start to look at why using an insurance broker could be the perfect way to buy your Motor Trader Insurance let’s start off with a few supposed truths about the insurance industry.

Number 1 – Let’s be honest from the beginning and just say it – most people don’t like insurance. For most people losses rarely occur and therefore they are paying out insurance premiums year on year and yet they don’t actually see any real benefit of it.

Number 2 – Most people (even those who have suffered a loss and have made a claim) see insurance as too expensive with actual insurance companies seen as money grabbing and having no purpose other than to make money.

Number 3 – People see insurance as either boring and sold by men in suits or sold using annoying advertising on the television promising cheap or the cheapest insurance and delivering call centres who seemingly have replaced customer service with queues and staff who don’t really know what they are talking about.

If you’re a Motor Trader who needs to purchase Motor Trade Insurance and any of the 3 points above ring a bell with you then you really need to read on and discover just 4 reasons why using an insurance broker could be just what you need when you next buy your business insurance.

The first reason for using an insurance broker is that they can save you time. Yes you could spend time trawling the internet, thumbing through the yellow pages or ringing around a selection of insurance companies but you could also contact just 1 insurance broker and let them do the work for you. As a motor trader I’m sure you’re time could be put to better use elsewhere anyway.

The second reason why you might want to use an insurance broker when purchasing motor trader insurance is that providing they are independent (that is they have access to more than one policy) they can search to find you the very best cover. Cover that in some cases isn’t available anywhere else.

Another reason for choosing an insurance broker is that they can very often provide you with a level of service that you won’t find elsewhere. Go direct with an insurance company and there’s every chance you’ll be faced with queues, call centres and people without a real understanding of your needs. However choose the right insurance broker who understands the motor trade and you can benefit from advice and guidance aimed at reducing your exposure to risk. And in the event of a loss occurring they will even act on your behalf to make sure your claim is settled quickly and favourably.

The fourth and final reason why using an insurance broker could be just what you need when buying motor trade insurance is that they could save you money and we’d all no doubt like to be paying less for our insurance. A good broker will therefore be able to take advantage of the facilities they have with the leading insurance companies so you benefit from the cover, the service, the time savings and the premium savings all from the same source.

Motor Trade Insurance doesn’t have to complicated or expensive so find the right broker and make sure the price is right for your Business Insurance.

Volvos are known for being extremely safe cars. They are so safe, in fact, that Volvo has started a “Volvo Saved My Life” Club. This club recounts the many moments in which Volvo drivers have been saved by the safety features of these amazing vehicles.

The Volvo v70 and Volvo s70 comes with standard with numerous safety features that you don’t want to miss out on. These safety features may be what put you in Volvo’s special club.

The Volvo line of cars begins with the Safety-Cage Passenger Compartment. This feature is complete with front and rear crumple zones that are able to dissipate and distribute the collision force. This reduces the physical strain on the car’s passengers. There are also roof pillars and transverse roof profiles that would prevent the car caving in should it roll. The side collision impact system also distributes the force of a collision to the side of a car.

The second feature is the Side-Impact Protection System. This reduces injuries in the event of a side impact. The car’s body is designed to reduce the deformation that occurs to a car when hit form the side.

In many front-end collisions, individuals are often harmed by the steering shaft. In a Volvo s70 you will find a collapsible steering column that is designed to prevent the penetration of the steering column into the vehicle’s cabin.

In rear end collisions, whiplash is a common injury. These injuries are created by the catapult effect that occurs when a vehicle is rear-ended. In the event of an accident to the rear of the vehicle, the Whiplash Protection Seating System is activated. There are two phases involved with this feature. The first is a wire frame and the limited-travel spring system. These features prevent your body from being pressed deeply into the seat. The second is a system that allows the seat to actually move backwards and prevent the person from being thrown forwards. This system is designed to work at speeds of up to 20 mph, as this is when whiplash injuries occur the most.

The airbag system on a Volvo is like not other car. There are three-step airbags with a driver’s and passenger side kneepads. A driver and a passenger will often need protection for their knees. Many knee injuries occur in accidents that are front-end collisions. The driver and the front passenger are often thrown forwards in these types of accidents and the knees may be jammed into the lower console.

These are just a few safety features that are found in the Volvo s70 and Volvo v70, but there are many more additional features that may be found in each car as well.

When it comes to buying a Volvo, you know you are getting a safe car with a million great safety features. You also know that even if you are looking a pre-owned Volvo, you are still going to be driving one of the safest cars on the road.

The Volvo s70 was considered a compact executive car. These cars were produced from 1997 to 2000. The car represented a new style in cars and featured a revised suspension system. There were five basic body styles available in these cars including the Base, SE, GL, GLT and the T5. The exterior featured new headlamps as well as a stylish rounded hood at the time. The Volvo s70 featured an optional TRACS traction control system that applied to the front brakes to limit wheel slippage.

The Volvo v70 was the station wagon version of the s70. The car featured the same revised suspension system as well as the newer rounded hood design and headlamps. Both vehicles possessed the new electron brake modulation system that increased performance in normal stops. The benefit of a v70 was in the space for a large family. You were able to pick up the kids from school and fit all of your groceries in the back.

Both models were among the first US cars to feature side airbags as an option. They also featured disc brakes and an anti-lock braking system. Some versions were also available with four-wheel drive. In 2000, the cars were fitted with modified side air bags to improve the protection of the head and chest in case of impact. The dashboard airbags were also improved with additional sensors that would match the deployment force to road speed and seatbelt use. A unique system also automatically unlocked the doors when the airbags were employed. The WHIPS system was designed to prevent whiplash injuries in rear end collisions. This may very well be a feature that many US cars still do not have today. These cars were all around some of the safest cars to be driven in this country.

The Volvo s70 R was a version that was not released in North America. This vehicle was designed more as a sports car and featured all wheel drive with higher performance.

Whether you choose the sportier Volvo s70 or the family style Volvo v70, you are going to be driving one safe car. These are cars that, despite their age, are going to remain some of the safest cars on the road.

The Hyundai Azera is a car model from Hyundai Motor Corp. which was produced in 1986. The fourth generation of Hyundai cars is called the Hyundai Azera and it was marketed first in North America.

The all new Azera started in 2006 as an advanced sedan which provides many traits and amenities which are usually characteristic for more expensive cars. The Azera offers the full-size luxury automobile consumer a more elegant cabin, more security characteristics, and a smoother drive.

Technical aspects

The Azera has a four-wheel independent suspension (multi-link in the rear) and uses the company’s new 3.8 L Lambda V6, which generates 263-hp (196 kW). The power is sent to the front wheels through a five-speed automatic transmission with "Shiftronic" manual gear selection. Hyundai claims 6.3 seconds to accelerate to 60 mph (97 km/h) and a top speed of 157 MPH (252 km/h). The Azera has a fuel economy of 19 MPG (12.4 L/100 km) in the City and 28 MPG (8.4 L/100 km) on the Highway is expected.

Styles and Major Options

The Azera offers plenty of perfomance using an awe-inspiring 263-hp DOHC V6 24-valve aluminum power plant with CVVT, variable induction and intake of cold-air.

The Azera is the most uncompromising car Hyundai’s ever created through a double-wishbone front suspension and multi-link rear suspension, with front and rear stabilizer bars to provide an optimized ride and handling.

The Hyundai Azera is recognized an an Ultra Low Vehicle Emission. The Azera helps the driver reach amazing levels of efficiency, with a trip computer that allows for MPG monitoring. You are provided alloy wheels, heated front seats, leather seat-upholstery, and a power sun shade in the rear window. In the ultimate package are included an improved audio system with 10 speakers and a 6-Disc CD changer, a power sunroof, telescopic steering wheel, and rain-sensing windshield wipers.

Safety

Eight Airbags which come standard on the AzeraHyundai make you sure that their Azera has many standard features and it can be compared to Toyota Avalon, with Electronic Stability Control, Traction Control, as well as Anti-Lock Brakes (ABS). The Azera also comes standard with 8 airbags and remote keyless entry, and an anti-theft engine immobilizer. The Azera/Grandeur TG" is a full-size sedan. It is sold as the Hyundai Azera in North America.

Being a step up from the Sonata, the Azera is evaluated at $24,995 for a base SE model, $27,495 for the Limited version, and $29,995 for the Ultimate Package. The flagship Azera will be the most luxurious sedan Hyundai is selling outside of Korea.

The Azera was named "Best New Family Car (over $35,000)" in the 2006 Canadian Car of the Year awards.

It also was awarded by Car and Driver because it has more rear legroom than a BMW 7 Series. It is also believed to have more overall interior room than the BMW 7 Series.

For more details go to http://www.ourismanhyundai.com

Since 1984 Formula One teams have been required to build the chassis in which they compete, and consequently the terms “team” and “constructor” are more or less interchangeable.

This requirement distinguishes the sport from series such as IRL, Champ Cars, and NASCAR, which allow teams to purchase chassis, and “spec series” such as GP2, which require all cars be kept to an identical specification.

In its early years, Formula One teams sometimes also built their engines, though this became less common with the increased involvement of major car manufacturers such as BMW, Mercedes-Benz, Renault, Toyota, and Honda, whose large budgets rendered privately built engines less competitive (and redundant).

Early manufacturer involvement came in the form of a “factory team” (that is, one owned and staffed by a major car company), such as those of Alfa Romeo, Ferrari (FIAT) or Renault. Companies such as Climax, Repco, Cosworth, Hart, Judd and Supertec, which had no direct team affiliation, often sold engines to teams who could not afford to manufacture them. As the manufacturers’ deep pockets and engineering ability took over, almost all engines are now produced by major manufacturers.

After having virtually disappeared by the early 1980s, factory teams made a comeback in the 1990s and 2000s, and now form half the grid with Toyota, Ferrari (FIAT), Honda, Renault and BMW either setting up their own teams or buying out existing ones. Mercedes-Benz (DaimlerChrysler) owns 40% of the McLaren team and manufactures the team’s engines. Commercial engine supplier Cosworth exited the sport at the end of 2006. Thus all the teams will run on factory supplied engines from 2007.

The sport’s 1950 debut season saw eighteen teams compete, but due to high costs many dropped out quickly. In fact, such was the scarcity of competitive cars for much of the first decade of Formula One that Formula Two cars were admitted to fill the grids. Ferrari is the only still-active team which competed in 1950, and as of 2006 eleven teams remain on the grid, each fielding two cars. Although teams rarely disclose information about their budgets, it is estimated that they range from US$66 million to US$400 million each.

Entering a new team in the Formula One World Championship requires a £25 million (about US$47 million) up-front payment to the FIA, which is then repaid to the team over the course of the season. As a consequence, constructors desiring to enter Formula One often prefer to buy an existing team: B.A.R.’s purchase of Tyrrell and Midland’s purchase of Jordan allowed both of these teams to sidestep the large deposit.

Each car is assigned a number. The previous season’s World Drivers’ Champion is designated number 1, with his teammate given number 2. Numbers are then assigned according to each team’s position in the previous season’s World Constructors’ Championship. There have been exceptions to this rule, such as in 1993 and 1994, when the current World Drivers’ Champion (Nigel Mansell and Alain Prost, respectively) was no longer competing in Formula One. In this case the drivers for the team of the previous year’s champion are given numbers 0 (Damon Hill, on both occasions) and 2 (Prost himself and Ayrton Senna - replaced after his death by David Coulthard and occasionally Nigel Mansell - respectively). The number 13 has not been used since 1974, before which it was occasionally assigned at the discretion of individual race organizers.

Before 1996, only the world championship winning driver and his team generally swapped numbers with the previous champion – the remainder held their numbers from prior years, as they had been originally set at the start of the 1974 season. For many years, for example, Ferrari held numbers 27 & 28, regardless of their finishing position in the world championship. As privateer teams quickly folded in the early 1990s, numbers were frequently shuffled around, until the current system was adopted in 1996.

Michael Schumacher holds the record for having won the most Drivers’ Championships (seven) and Ferrari holds the record for having won the most Constructors’ Championships (fourteen). Jochen Rindt became the only posthumous World Champion after a fatal accident at the 1970 Italian Grand Prix.

Modern Formula One cars are mid-engined open cockpit, open wheel single-seaters. The chassis is made largely of carbon fibre composites, rendering it light but extremely stiff and strong. The whole car, including engine, fluids and driver weighs only 605 kg. In fact this is the minimum weight set by the regulations – the cars are so light that they often have to be ballasted up to this minimum weight.

The cornering speed of Formula One cars is largely determined by the aerodynamic downforce that they generate, which pushes the car down onto the track. This is provided by ‘wings’ mounted at the front and rear of the vehicle, and by ground effect created by the movement of air under the flat bottom of the car.

A significant difference in the design of the latest breeds of F1 cars is that they make far greater use of vortex “lift,” or in this case, downforce. Since a vortex is a rotating fluid that creates a low pressure zone at its center, creating vortices lowers the overall local pressure of the air.

Since low pressure is what is desired under the car, allowing normal atmospheric pressure to press the car down from the top, by creating vortices, downforce can be augmented while still staying within the rules.

The aerodynamic design of the cars is very heavily constrained to limit performance and the current generation of cars sport a large number of small winglets, “barge boards” and turning vanes designed to closely control the flow of the air over, under and around the car. The “barge boards” in particular are designed, shaped, configured, adjusted and positioned not to create downforce directly, as with a conventional wing or underbody venturi. They are designed so that air spillage from their edges will create these vortices.

The other major factor controlling the cornering speed of the cars is the design of the tyres. Tyres in Formula One are not ’slicks’ (tyres with no tread pattern) as in most other circuit racing series. Each tyre has four large circumferential grooves on its surface designed to further limit the cornering speed of the cars. Suspension is double wishbone or multilink all round with pushrod operated springs and dampers on the chassis. Carbon-Carbon disc brakes are used for reduced weight and increased frictional performance. These provide a very high level of braking performance and are usually the element which provokes the greatest reaction from drivers new to the formula.

Engines are mandated as 2.4 litre normally aspirated V8s, with many other constraints on their design and the materials that may be used. The 2006 generation of engines rev close to 20,000 rpm and produce up to 740 bhp (552 kW).[10] The previous generation of 3-litre V10 engines are also allowed, albeit with their revs limited and with an air restrictor to limit performance.

Engines run on unleaded fuel closely resembling publicly available petrol. The oil which lubricates and protects the engine from overheating is very similar in viscosity to water. For 2007 the V8 engines will be restricted to 19,000 rpm with limited development areas allowed, following the engine specification freeze from the end of 2006. As outright speed and power are effectively being capped it is widely believed that teams will work on improving reliability, and the torque range of the engine to improve driveability.

A wide variety of technologies – including active suspension, ground effect aerodynamics and turbochargers – are banned under the current regulations. Despite this the 2006 generation of cars can reach speeds of up to 350 km/h (around 220 mph) at some circuits (Monza).A Honda Formula One car, running with minimum downforce on a runway in the Mojave desert achieved a top speed of 415 km/h (258 mph) in 2006. According to Honda, the car fully met the FIA Formula One regulations.

Even with the limitations on aerodynamics, at 160 km/h, aerodynamically generated downforce is equal to the weight of the car and the often repeated claim that Formula One cars are capable of ‘driving on the ceiling’ remains true in principle, although it has never been put to the test. At full speed downforce of 2.5 times the car’s weight can be achieved.

The downforce means that the cars can achieve a lateral force of around four and a half times the force of gravity (4.5 g) in cornering - a high-performance road car might achieve around 1 g. Consequently in corners the driver’s head is pulled sideways with a force equivalent to 25 kilograms. Such high lateral forces are enough to make breathing difficult and the drivers need supreme concentration to maintain their focus for the 1 to 2 hours that it takes to cover 305 kilometres.

Why Have A Car Sub Woofer?

Why should you have a car subwoofer? First you need to learn what one is. Well a subwoofer is a speaker that is powered by an amplifier tuned in to and plays back low-frequency sound or bass. Subwoofers create low-frequency sounds and contain those low notes that are missing from most car stereo systems. They are heavily used in the streetcar-tuning scene; many cars out there have massive I.C.E (In Car Entertainment) installs. There is even a whole range of music designed to push subwoofers to their limits and give them a thorough workout. The genre is known as “the bass track”.

The Many Types Of Car Subwoofer:

Subwoofers are either passive or powered, with the passive systems drawing power off of the car’s head unit, and the powered systems have an independent powerline hooked up to them, usually right off the battery. Car subwoofers are mounted in boxes and placed in the boots or trunk of the car, or in other places such as the cars parcel shelf or the space beneath the car’s rear window. Car subwoofers also vary dramatically in size, on average from 6.5 inches all the way up to 60 inches in the crazy monster subwoofer category. There are plenty of relatively inexpensive subwoofers that are available, however the car subwoofer is a bit of a luxury item, so buy the best you can afford.

A Typical Car Subwoofer Setup:

The car subwoofer is mounted in a box made of MDF usually, although some of them come in tubes, known as bass tubes. Typically they are hooked up to a single channel amplifier set with a low crossover to provide the bass tones. Independent amplification is necessary, because the amount of power subwoofers need, can be too much for the car’s standard audio equipment. Since the car subwoofer is usually mounted in a box, they can take up a lot of room. If you want to fit a subwoofer you must be ready to sacrifice a substantial amount of space in order to house this specialty item. However, there are systems these days that place the car subwoofer and unused nooks and crannies of the car, these are specially built pod’s if you like and can be found for most popular makes of car.

Getting A Subwoofer Of Your Own:

A car subwoofer is a must in the overall high-end I.C.E setup. It is wise to choose the best product that you can afford, and not sacrifice price for quality. However that said, because of the big business there is in car audio products and subwoofers in general you can often find a bargain. My advice would be to search on the Internet and the online auction sites and see what you can pick up.

With the introduction of the first Grand Cherokee, Jeep defined and created the luxury sport utility vehicle (SUV) market, but in spite of this grand tradition the model is currently experiencing some difficulties. Jeep not only defined what an SUV was, it was the SUV market in the USA with the inception of the Cherokee and later on Grand Cherokee. This is no longer the case. The growing list of strong competition has intensified, and along with high fuel prices, this has lead to some serious challenges to Chrysler in spite of Jeep’s combination of legendary 4×4 capabilities, on and off-road refinements, and technological innovations.

The Jeep Grand Cherokee was one of the pioneering SUVs that ushered in the modern SUV market in the early 1990s. When it debuted, the Grand Cherokee represented a bigger and more refined version of Jeep’s smaller but popular Cherokee. The company’s designers wanted the Grand Cherokee it to be maneuverable enough for city driving, roomy enough for the whole family, stylish enough to take out on the town and rugged enough to reach those remote camping areas. The Grand Cherokee certainly met all of these requirements and, we feel that Jeep continues with this tradition in its current Grand Cherokee version.

The 2005/2006 version of the Grand Cherokee, which is the model’s 3rd generation, is one of the best SUVs made, and as one critic put it “arguably the most desirable”. With some of the outstanding available features of full-time four-wheel drive, independent front suspension, rack and pinion steering, a five-speed transmission, and an available 5.7-Liter HEMI V-8 with MDS, which deactivates up to 8 cylinders when not needed for better gas mileage performance, the Grand Cherokee is featured packed. Safety features include Electronic Stability Program, SmartBeam ™ headlamps that automatically and quickly adjust high-beam brightness and intensity, All-Speed Traction Control System, and advanced multi-stage air bags with an Occupant Classification System. The look and feel of the body was also updated to give it an edgy angular look, which looks new and contemporary while retaining that Grand Cherokee style with the famous 7-slot Jeep grille. Chrysler also gave the Grand Cherokee an updated suspension system that delivers better corning turning performance and a tighter turning radius.

In spite of these top-of-the-line features, Grand Cherokee sales in the USA for 2006 (ending December 31, 2006) were 139,148 units, which were down from 213,584 in 2005. This represents a decline of 35%. Jeep’s smaller SUV, the Liberty, also saw its numbers drop dramatically in 2006 with unit sales of 133,557 versus unit sales of 166,883 for 2005, a 20% decline. While it doesn’t necessarily make Chrysler feel any better, they were not alone in decreased sales in the SUV segment. Other USA car manufacturers also experienced declines. Ford experienced a 25% drop in its SUV sales for the USA, while GM’s truck sales were down 9.6% (2,499,269 for 2006 versus 2,765,809) (detailed performance reports for GM’s SUVs was not available). The decline in SUV sales, especially mid-range models, was affected by the dramatic price increases in gasoline during 2006. This along with luxury SUV models by BMW, Lexus, Mercedes, and Porshe, and mid-priced SUVs by Mitsubishi, Toyota and others experiencing a surge in popularity is creating a sizable challenge to Chrysler. With its outstanding features, Jeep tradition, and the Daimler-Chrysler technology behind it, we look for the Grand Cherokee to make a strong return in the future.