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Third party offers a measure of coverage to policyholders, including protection against fire and theft. The law requires we at least have third-party coverage with indemnity to protect us against accidents that occurred on shared roads. Under the law if you cause an accident you will pay for the damage, injuries, medical treatment, legal, and other costs out of your pocket. Third Party Coverage is a protection then against other peoples claims against you.

If you have third-party insurance with fire and theft coverage then this will offer you protection in the event a fire or theft occurs. If you car catches fire, it is often a total loss, and thus the insurance company will write-off the car and offer you disbursement to pay for a car of equal value. Thus, if you have a Security System integrated into your motor vehicle, this will reduce the costs of premiums, since if your car is stolen, the thief may be caught later, but no one can tell what the damage of your car will be.

Thus, insurance companies enjoy providing coverage to those with security systems integrated into their car. The security system will provide a measure of protection, but unfortunately, many criminals have the ability to master most technical devices, therefore, the system will not protect you entirely. Many insurance companies charge excess fees when offering insurance coverage. The fees are the worth of your claims portion. In other words, if you are in an accident and the company has to pay for the damage of the third party they may charge you a portion of the costs. A few insurance companies may dismiss the excess fees if the policyholder has put forth all effort to halt or stop the fire or theft from occurring.

The companies may also apply excess fees to your policy in an attempt to reduce your premiums, at the same time dropping the risks the insurance company may have in the event a fire or theft occurs. Of course, the more claims you file when covered under insurance the higher your premiums will be.

Comprehensive insurance then is a full coverage policy that will protect policyholders against fire, theft, personal injury, accidents, and so forth. Comprehensive insurance will cover your automobile and any damages, injuries, etc, fully in the event loss or damage occurs.

Comprehensive insurance will not cover you on all claims. Therefore, read the information provided by the insurance company to learn what exclusions if any exist. The exclusions is what the insurance policy will not payout. Comprehensive indemnity will cover you if the other party driving has caused damage to your vehicle. The third-party claims will not cover damage to windshields sometimes; however, the comprehensive coverage will recover the windshield in the event you suffer loss as a result of fire, theft, or accident. Since the windshields are considered different types of excess charge, thus the insurance companies often handle the claims differently. This is because the latent smash up is limited to the replacement cost of the complete windshield.

The greater part of car insurance companies will often prohibit coverage on mechanical and electrical matters. Wear and tear of your motor vehicle is also prohibited on car insurance. However comprehensive coverage will often cover loss of use whereas if you are restricted from the use of you vehicle, they offer rental coverage. This means you can rent a car until your car is repaired. During the take out of your policy, you are expected to pay upfront fees, including excess, portion of premiums, coverage fees and so forth before you are legally covered.

As you can see third party coverage offers less coverage than the comprehensive plans. If you want to protect your self entirely against problems then it pays to get comprehensive coverage. However, if you have an old beater then it is not worth fully covering the vehicle, thus third party liability coverage is optional. Finally, you must have insurance, since if you do not you are facing legal penalties. Do not drive your vehicle until the car is covered by an active policy.

If you're looking to buy Business Insurance you'll have a certain level of power over a number of insurance brokers, insurance companies and insurance providers all wanting to do business with you.

With this in mind we'll put you in the position of the dealer in our game of Business Insurance Poker so you can watch the game develop. Are you sitting comfortably? Then let's begin:

If you already have Business Insurance we'll give your existing insurance provider the dealer button as they really have the best seat at the table. They've already built some kind of relationship with you and they can sit back and wait to see what the competition does before they decide to act.

So next is the small blind. The small blind has an interest in your business as they've put in some of their own money in the hope they can win your business. You may have seen an advert for them, they may have sent you a letter or they may have called you to see if you'd like a quote for your Business Insurance.

Next is the big blind. The big blind when it comes to Business Insurance could well be an insurance provider you've heard of. They've spent a sizeable amount of money to get your attention (maybe a television advert or some promotion in the National press) and they aren't likely to give up without a struggle. So those are the 3 insurance providers who definitely are interested in you and your Business Insurance:

- Dealer button - Your existing insurance provider

- Small blind Maybe an insurance broker who would like to help you

- Big blind Perhaps an insurance company who has a large marketing spend and has got your attention.

It's possible that this is only a 3 player game but as is becoming more common with insurance brokers and insurance companies other parties enter the game. These other insurance providers generally fall into 2 categories:

1. They are likely to offer something (or have a hand) similar to either your existing insurance provider (who still has the button) or the small or big blind.

2. These new insurance providers will offer you something different. They get your attention as they have noticed an element of weakness with the other people at Business Insurance table and are planning on showing you how good they are. So how are they going to do this? Well more often than not they will raise and when it comes to Business Insurance this means they will give you more than the other people at the Business Insurance table.

Let's play the Business Insurance Poker hand to explain in more detail:

1. Your existing insurance provider sends you your renewal terms but you decide to look around for alternative insurance quotes as it's either more expensive than last year or you just want to see what else is available.

2. You receive a letter from an insurance broker who seems similar to your existing insurance broker but they save you a little on your insurance premium. It gets your attention but it is enough?

3. You are now contacted by a direct insurer. You know their name, you've seen their adverts and they knock even more off your renewal price. Sounds great yes? Well maybe but let's see how the game develops.

4. Another player enters the game and makes a bet (or in this case makes you an offer). Their offer is different in that:

a. They specialise in the type of business insurance you are actually looking for

b. They appear to focus more on you and your business rather than on how good they are and how cheap they can get your premium

c. They quote you a very good premium but in addition to this offer you advice, guidance and tell you that if you do suffer a loss with them they will be there to help you. They don't have call centres', they don't keep you waiting in queues. Instead they employ people who understand your business, understand your needs and are here to help you.

So with the bets (or business insurance quotes) all on the table it's possible you may want to play one off against the others with bluffs, raises (or in this case reductions in premiums) until everyone has played their hand and you have to decide who to look after your insurance for another year.

Will you choose?

1. Your existing insurance provider who gave you your renewal premium but only really started to play when under threat from other providers

2. Someone who offers you the same thing but saves you a little money

3. A company who saves you a little more money but doesn't really stand out from crowd

4. An insurance broker who seems to understand what you need and will do whatever it takes to make sure you are satisfied

Insurance companies and insurance brokers need to pay attention as although insurance is still a very price sensitive business the reality is customers and people buying business insurance want more than a cheap premium.

They want cover tailored to their needs, they want an insurance provider who will work for them and with their interests at heart and they want someone to speak to when they need them most.

They don't want to be held waiting in queues or even worse be keep waiting only to be cut off. They also don't want to speak to someone they don't understand or who doesn't understand them.

Texas Holdem Poker is a great game but insurance for your business is a serious matter. Make sure you get the cover, service and insurance provider you deserve and don't muck it up.

Is buying Business Insurance the new Texas Holdem Poker was brought to you by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. As one of the UK's Leading Insurance Brokers Northern Counties have been providing Business Insurance to companies since 1928 and specialise in Business Insurance, Motor Trade Insurance, Nursery Insurance and Care Home Insurance.

The 2006 Corvette is an awesome car, its in my opinion; the best work that Chevrolet has done on a Corvette since the 1960s, and they deserve some kudos for it, Im an out and out right Chevoholic whos passion in life is the old muscle cars, but this car deserves some serious respect, its got what it takes to keep up with most of the Vettes from the 1960s.

After running a few software based test using the weight and horsepower of the 2006 ZO6 Corvette, it has really impressed me, and that is no easy task, if the car has the advertised horsepower at the fly wheel it should be capable of an 11.969 in the mile, and that is impressive, its as impressive as the Viper has ever been, and it does this, and is still one of the best handling cars on the planet, according to the skid pad tests.

The ZO6 Corvette has pulled a 1.2G rating on the skid pad, which means that at full acceleration it would take 1.2 times the weight of the car to slide it 1 inch side ways, and other impressive number, the ZO6 continues to spit out those impressive numbers, the next spec that Ill discuss is the 0-60 time of this car, which happens to be 3.4 seconds, not a weak number at all, most of the European cars wont beat that number.

So when you get these morons that think they can hammer you, just because they happen to own a BMW, Mercedes, or some other import car, well probably not in the mile, not on a road track, and most certainly not on the skid pad, the ZO6 Corvette is a true super car, it just happens to be designed so the ordinary person can afford to buy one and drive it, it happens to a fine automobile with a lot going for it.

Just wait until Chevrolet gets in to the second and third generation of this car, and see what they do, they are best at coming up with new and impressive ideas, wile still keeping the car in an affordable price range, can you even imagine what an import, that can do what the ZO6 does would cost you to buy, it would not be in the $60,000 range, and thats where the Corvette is, you just try to name me one import car with the same performance level and excitement level of the Corvette for the same money, impossible HUH?

The ZO6 is truly a car for the masses, a car that a muscle car man would enjoy driving and a car that a sports car man would be very happy with, really its a car that any car nut would be happy to own and drive, I know that I would, with the limited first production run of these cars, it was very hard to get one though, with only the platinum Chevrolet dealers getting them, and even at that rate, they only got one or two of them each, and in this town, the owners of the dealerships took them home.

Heres a word for all of you nay Sayers, the ZO6 Corvette is no easy target, at the 24 hours of Lemans last year it came in first and second over all respectively, that was above Porsche, BMW, and a few more of the so called better and more advanced cars on the market, if this were the case, then youd think that theyd have no problem beating the Corvette down, but they do, and it will continue to be that way.

Because Chevrolet has a relentless desire to win, and no matter what you think of the Corvette, it is a winning race car, and it has been for a long time, it will keep doing it as long as Chevrolet keeps working on the performance aspects of it, Chevy is the master at squeezing more power out of an engine, and they have been for a long time, regardless of what you might think, its a proven fact that Chevrolet has built the engines with the most wins in this country.