Van Insurance, False Information and Validity of the Policy

One huge problem currently faced by motorists is the cost of motoring. With fuel prices hitting the roof, maintain a vehicle has become an uphill task. In particular, the credit crunch interjected to further hike the prices of all essentials, including car or van insurance.

Preference for four wheels

In a bid to find a way round the problem of soaring motoring expenses, some motorists have chosen to switch to cycling, especially in major cities like London. Bicycles have numerous advantages. Apart from saving one the trouble of fuel and its soaring cost, bikes are easier to maintain and attract cheaper insurance premiums and constitute no hazard to the environment. But bikes have their own shortcomings. At the moment they are easy targets to thieves who could tears down locks and make away with them at will. Tory leader David Cameroon recently had a bad experience with bike thieves. Yet bikes present a far cheaper option for motorists. Nonetheless, many would still prefer their car or van.

To keep a van or car on the road there is the corresponding need to ensure that every documentation is valid. Licence and insurance cover are a must, amongst other things. But the big issue is that a rising number of motorists are seeking the simpler way out by not purchasing the cover. Even van drivers, whose vehicles are used to keep business afloat as delivery or tradesmen, are sometimes found wanting.

Uninsured motorists and call for tougher action

The problem of uninsured drivers is estimated to cost the country a huge sum of money each year. Recent studies put the cost at £500 million annually, which insurance firms say adds up to £30 to the premiums of each law abiding motorist.

The fact that criminal records and penalty fines have not deterred motorists from dodging insurance is leading to increasing demand for stiffer penalties. This week saw the Association of British Insurance adding its voice to it, arguing that penalty fines do not cover the cost of cover lost to evasion.

“The penalties do not reflect the seriousness of the crime and do not act as sufficient deterrent and this has been the case for some time,” explained spokesman for the body, Malcolm Tarling, as he made a case for a stiffer penalty.

Inaccurate information and your policy

Van insurance has equally seen several other devices being employed by drivers to evade paying the required premiums for policies. There are those that, in a bid to bring down the price, fail to give insurers accurate information in respect of their circumstance. This could range from withholding information about who the actual insured driver is to the condition of their driving licence. In one instance a driver recently had his policy invalidated because he was alleged to have failed to disclose to the insurer that he had penalty points on his licence. Even as he tried desperately to explain that he did inform the insurer about it while taking out the cover, they could not recall this. Although this is a matter that could be resolved by checking records, the truth is that insurers are playing very safe because fraudulent characters had in the past made them pay hugely. Avoiding a repeat of such ugly experience is not entirely out of place.

Perhaps what van drivers could do to help make their premiums cost a bit less is not to fail to disclose vital information to insurers. They need to reveal their circumstance, including past convictions. More importantly, to enjoy cheaper, more suitable premiums they need to compare deals.

Intelligent Optics Video Camera Glasses: The Intelligent Option to a Bike Mounted or Helmet Camera

You may recall last year the BBC featured an article online and on TV regarding cyclists in London combating bad driving with the use of helmet cameras. Cyclist Ben from London famously portrayed one particular event where a van driver caused him to have an accident and then proceeded to jump out the van to confront him and verbally abuse him.

Cyclists use Helmet Cameras to capture bad driving during their daily commute.

Luckily Mr Porter was wearing a helmet camera and he captured the incident on film, allowing the police to secure a conviction against the van driver. There are around 17,000 injuries every year and 2009 saw 104 deaths of cyclists on the roads, using a camera to capture footage of bad drivers is a good way of ensuring that drivers take notice of cyclists and perhaps give them a little bit more respect and be more considerate on the roads.

Who knows you could end up in court or appearing on TV if you aren’t!

A different type of helmet camera

Helmet cameras are a bulky device which attaches to your helmet via straps, or to a chest harness or handlebar rig. Although functional it does mean additional weight and/or an attachment to your body or bike. Almost all cyclists wear glasses, so with the development of digital camera technology, Intelligent Optics have developed the iO Classic Series Video Camera Glasses.

These stylish sunglasses feature a high quality camera in the nose bridge of the sunglasses, allowing you to record footage of whatever you happen to be looking at. Ideal for creating a video record of a cycling trip, downhill run, red route at a trail centre, or for a video diary of your city commute. As the camera is incorporated in the sunglasses there is no need for an additional bolt on helmet cam or chest rig.

Introducing the iO Classic Series Camera Glasses

The Intelligent Optics Camera Glasses are very stylish eyewear camera glasses with a colour video camera hidden within the frame, which allows you to record high quality video footage onto the inbuilt personal video recorder.

The IO Classic Series video camera sunglasses with built in sound and video recording are ideal for outdoor pursuits such as skiing, snowboarding, mountain biking and climbing as well as for surveillance purposes.

These sun glasses with a camera are perfect for recording in-car footage or for watching all forms of motorsports. Whether you are watching a grand prix, driving on a race circuit, or touring through a mountain pass you can record stunning footage with Intelligent Optics glasses camera.

The in-built spy video camera recorder will record sound and high quality video for up to 5hours as well as high quality sound when required. These glasses feature Polarized and toughened lenses ensure perfect vision for extreme sports and also ideal for driving.

The iO Classic Series camera glasses are rechargeable, simply plug into the mains and recharge for a typical battery life of up to 4 hours constant use. Perfect for investigative journalists and estate agents as well as mystery shoppers looking to make a video record of what they witness.

Instead of using a bulky helmet camera, these camera glasses are ideal for cyclists who wish to record a video record of their commute in traffic in case of dangerous drivers or incidents.

Versatile: These spy glasses or video camera sunglasses are a cool design, and are ideal for recording footage of sports activity. Whether you are climbing a rock face, or sessioning a red route at a mountain bike trail centre, the Intelligent Optics eyewear camera glasses will allow you to record video and sound footage.

Easy to Use: Wear the IO Classic camera glasses as you would your normal sunglasses, and with the press of a button you turn them on and off and can record video and sound.

Upgradeable Memory: The Classic Series eyewear uses a micro SD memory card to record your stills and video footage. This can be expanded from the included 2gb (which gives up to 5 hours recording) to 16Gb

High Quality Video: A still resolution of 1280 x 960 and a video resolution of 640×480 at 30 frames per second ensures your video of active sports such as road sportive cycling.

Powerful Battery: A rechargeable Li-Polymer battery provides up to 4hours of constant use per 3hour charge. Simply plug into the mains when the battery is low to recharge.

Easy Connection: No drivers needed, simply plug in your camera glasses to your PC or Laptop and download stills and video footage to playback at home. AVI Video Format, JPG Picture Format.

Supplied Accessories: 2gb Micro SD card included for up to 5hrs Video Recording. User Manual, Protective Carrying Case, Cleansing Cloth, and USB Cable.

You can find our more about these Video Camera Glasses on our website.

Picking an RV-Class B Motorhome or Van Camper

The Class B motorhome or van camper offers the traveler both an RV and especially in the case of the smaller units, a second car as a bonus. They appeal to those who want car like drivability with all the features of a motorhome in a compact space. They are easy to drive and operate and can be parked in normal parking spaces for the most part, making them easy travelers on the open road. Unlike a large motorhome, it is easy to spontaneously pull off the road and take a break, make a meal and other activities without much thought.

The modern Class B motorhome can be bought in sizes of from 18-24 feet. Typically the van will have a raised fiberglass roof allowing the occupants to stand up inside the van. The recent models based on the Mercedes-Benz Sprinter chassis, feature stand up headroom as an inherent part of their design. Others models may have a popup roof, with screened tent type fabric enclosing the raised roof space. There are also van conversion companies on the market that offer van campers with optional four wheel drive adding to the go anywhere travel possibilities available.

Vans can also carry roof racks, bike racks and other enhancements multiplying the recreational possibilities. Another bonus is being able to tow a boat or a trailer. Some models can tow up to 10,000 pounds, appealing to many fulltimers who own both a van for towing and exploring the boonies, and a full size larger trailer that stays in the RV parks as a home base. This is a very versatile, multipurpose setup.

In most van campers, the front seats will swivel around adding to the useful amount of interior space to be had. A van camper can sleep 2-4 people depending on the floorplan and length of the van. Most beds have to be converted when it’s time to sleep by pulling out couches, breaking down dinettes and so on. Modern units will sport all the typical RV features one is used to like full galleys, entertainment centers, and even toilet and shower facilities. Storage is available inside with some having storage access from the rear doors and/or outside compartment doors.

Pros:

  • Vans make good multipurpose vehicles whether it is as a second car, or to tow a trailer or a boat.
  • Van campers can go almost anywhere where larger RV’s cannot venture. If primitive sites and/or windy, narrow roads are where you like to roam and explore, consider a van camper.
  • Class B motorhomes get excellent gas mileage for economical traveling.
  • Van campers have the advantages of a motorhome in that you don’t have to exit your rig when ready to camp. Setup is easy with minimal fuss unlike a towable RV.

Cons:

  • Vans can be small and cramped in their narrow confines. Two people can operate if cooperative, or those with very small children will do well. Fulltiming in a van camper would be a challenge as the small space will wear on you over time.
  • If using the van as a second car, the miles will add up quickly depreciating the vehicle making it harder to sell than a motorhome that is only driven on trips.
  • Bedding has to be setup and taken down for sleeping adding a bit of work in operation. It can be hard on those with sensitive backs or larger folks.
  • The small space of a van dictates that there will be limited storage available. For those who need to take it all with them a van camper may cramp their style.

Cost: Van campers can range from a low of $40,000 to well over $100,000 for the newer Sprinter vans or a four wheel drive model with all the bells and whistles.

Van campers definitely have their appeal for those who want an easy driving rig that sports all the conveniences that RV’s have to offer in a compact space. Fulltimers should probably select a larger rig as the space of a van will prove inadequate long term. Those needing a second car and love to go on weekend journeys and other shorter camping trips will also find a van camper an unbeatable choice. A family with small children will find van camper travel a great ally on the road, having washing, bathing and other facilities at their fingertips.