What You Need To Know About Insurance Write-Offs

crash-test-1620604_640There are many different types of car insurance write-off – including some vehicles that can be repaired and put back on the road and some that must be destroyed and never used again.

A Category D insurance write-off falls into the former class: it can legally return to the road, so long as it complies with specific rules governing the various stages of its return to use on the public highway. Firstly though, what causes a Cat D write-off? Quite often, nothing more than light damage. It generally means the vehicle has been lightly damaged but the financial cost of repairing the car outweighs its market value. In short, it is not economical to repair – remember, car insurance companies look at the total cost of repair here, including hire cars, expensive-to-source parts for particular models and so on. Cat D status can sometimes be for very minor damage, if the rest of the repair process is deemed to be more than the car is worth.

This does not mean it can’t be put back on the road, however. Here’s what’s involved in using a Category D insurance write-off on the road. Using a apps for car damage can take a lot of the pressure out of your hands, and thus give you peace of mind after an accident. Once a vehicle is written off and the insurance claim has been paid to the owner, the car insurance company then legally owns the vehicle. Following this, insurers often sell these cars on to garages and motor factors that have the means to repair any damage at a reduced cost. This makes it financially viable for these businesses to repair the car to a roadworthy condition and sell it on, with the insurance company also recouping some of its costs.

If your car has been written off as a Category D case, the Driver and Vehicle Licensing Agency (DVLA) and the Driver and Vehicle Standards Agency (DVSA) will not be informed of the situation, and the car will not be subject to a Vehicle Information Check. The damage is deemed light enough that the car can be repaired and put back on the road following the work. Of course, the car can also be sold through a licensed salvage yard as a damaged car, or broken for spare parts. If the Cat D car is repaired, we do highly recommend that you get a professional mechanic or vehicle engineer to assess the quality of the work and ensure it has been carried out to a high standard. This way, the repaired car will be as safe as possible. It’s important to remember a Cat D car will have been written off only because it is uneconomical to fix, not because any potential damage was so great it could not be driven again. As a result, no test is needed to validate the work, as a reputable garage should deliver the car to a roadworthy standard – if not, subsequent MOT tests should pick up any defects or faulty repairs anyway.

It’s also worth bearing in mind that while a Category D car for sale might be much cheaper than the market value – even if it is in perfect shape with the repairs being carried out to a high standard – when it comes to reselling the vehicle, it won’t be worth as much. Traders have to declare if a car has been written off as part of a sale, but private individuals do not. To help make sure you don’t get caught out paying over the odds, a car data check will unearth if a car has been written off and into what category it was placed – and can be done for just a few pounds. While a cat D write-off might seem cheap, don’t forget some insurers might refuse to offer you cover on a written off vehicle, too, no matter how light the damage was. If you are thinking about buying a cat D vehicle, be sure to check with your car insurance company whether they cover Category D cars.

Should You Lease Or Buy A Printer?

The next time your business needs new computers, networking equipment or other technology, should you buy it or go for printer rental London? If you don’t know, read on. This month we’ll take a look at the benefits–and downsides–of both leasing and buying technology equipment, plus the questions you should ask to ensure you get the best deal.

Leasing: The Benefits

  • Leasing keeps your equipment up-to-date.Computers and other tech equipment eventually become obsolete. With a lease, you pass the financial burden of obsolescence to the equipment leasing company. For example, let’s say you have a two-year lease on a copy machine. After that lease expires, you’re free to lease whatever equipment is newer, faster and cheaper. (This is also a reason some people prefer to lease their cars.) In fact, 65 percent of respondents to a 2005 Equipment Leasing Association survey said the ability to have the latest equipment was leasing’s number-one perceived benefit.4521041844_9351b5ef60_o
  • You’ll have predictable monthly expenses.With a lease, you have a pre-determined monthly line item, which can help you budget more effectively. Thirty-five percent of respondents to the Equipment Leasing Association’s survey said this was leasing’s second-highest benefit.
  • You pay nothing up front.Many small businesses struggle with cash flow and must keep their coffers as full as possible. Because leases rarely require a down payment, you can acquire new equipment without tapping much-needed funds.
  • You’re able to more easily keep up with your competitors.Leasing can enable your small business to acquire sophisticated technology, such as a voice over internet protocol (VoIP) phone system, that might be otherwise unaffordable. The result: You’re better able to keep up with your larger competitors without draining your financial resources.

Leasing: The Downsides

  • You’ll pay more in the long run.Ultimately, leasing is almost always more expensive than purchasing. For example, a $4,000 computer would cost a total of $5,760 if leased for three years at $160 per month but only $4,000 (plus sales tax) if purchased outright.
  • You’re obligated to keep paying even if you stop using the equipment.Depending on the lease terms, you may have to make payments for the entire lease period, even if you no longer need the equipment, which can happen if your business changes.

Buying: The Benefits

  • It’s easier than leasing.Buying equipment is easy–you decide what you need, then go out and buy it. Taking out a lease, however, involves at least some paperwork, as leasing companies often ask for detailed, updated financial information. They may also ask how and where the leased equipment will be used. Also, lease terms can be complicated to negotiate. And if you don’t negotiate properly, you could end up paying more than you should or receiving unfavorable terms.
  • You call the shots regarding maintenance.Equipment leases often require you to maintain equipment according to the leasing company’s specifications, and that can get expensive. When you buy the equipment outright, you determine the maintenance schedule yourself.
  • Your equipment is deductible.Section 179 of the IRS code lets you deduct the full cost of newly purchased assets, such as computer equipment, in the first year. With most leases favored by small businesses–called operating leases–you can only deduct the monthly payment.

Comparing Laser & InkJet Printers

How to compare inkjet to laser printers? The short answer is that it comes down to how much you print, what type of documents you print and what your budget is. Epson multifunctional printers and oki multifunctional printers are right up there with those to compare, so check out our comparison below.

Differences between inkjet and laser printers

Compared to laser printers inkjet devices are a more common form of office printing machine. They are usually relatively small and inexpensive to buy, and are refilled using colour and black and white ink cartridges. Essentially, the ink is sprayed onto the page through tiny nozzles in an array of small dots which make up the letters or image. The quality of printing is good for typed documents and small colour pictures, but the print quality may not be good enough for professional looking documents or large images.

In comparison laser printers offer a higher quality of printing, able to produce incredibly sharp images and high resolutions. Laser printing devices use large cartridges filled with toner powder, which is fused to the page by heat and a static charge.  They work faster, with little noise and are capable of excellent print quality even on larger formats. However, the main downside with laser printers is that they are expensive and cartridges can be costly compare to inkjet devices. So they are currently less popular.

Who needs a laser printer?

A laser printer is especially good for producing high quality black and white printing at high speeds. Compared to an inkjet, a laser printer doesn’t always guarantee a good colour printing quality, unless you are purchasing a high-end model for very specific work. Whilst the initial outlay is expensive, servicing and toner costs tend to be lower in the long run, so laser printers are more 26759253991_367e687e1f_keconomical than you might first think.

  • Unbeatable print speed, so more pages can be printed every minute. Over time, this is more economical for companies with a large print volume.
  • Waterproof printing.
  • Cheaper laser printers can be purchased at around the same price point as an inkjet, although only for a mono-printer.
  • Cartridges do not require frequent changing.
  • Constantly lowering price point.
  • Can be used with a whole range of paper thicknesses and finishes.
  • Most suited to larger office environments with a need for large volumes of good quality printing.

Advantages of inkjet

It would be wrong, however, to write off the inkjet printer, as it still satisfies a lot of business printing needs at a very reasonable cost. In particular, a good quality inkjet still produces excellent quality colour images and is a very versatile device. The downsides are the frequent need to change ink cartridges (which can be costly), slow print speeds and lower resolution black and white printing.

  • Cheap to purchase compared to laser printers.
  • Versatile business printing solution.
  • Good quality colour printing on images, especially useful for photographs.
  • Affordable repairs.
  • This printer is perfect for small businesses where space is at a premium.
  • Suitable for most home and office needs where print volume isn’t too high.

What Is A Category D Car Insurance Write-Off?

There are many different types of car insurance write-off – including some vehicles that can be repaired and put back on the road and some that must be destroyed and never used again.

A Category D insurance write-off falls into the former class: it can legally return to the road, so long as it complies with specific rules governing the various stages of its return to use on the public highway. Firstly though, what causes a Cat D write-off? Quite often, nothing more than light damage. It generally means the vehicle has been lightly damaged but the financial cost of repairing the car outweighs its market value.

In short, it is not economical to repair – remember, car insurance companies look at the total cost of repair here, including hire cars, expensive-crash-test-1620604_640to-source parts for particular models and so on. Cat D status can sometimes be for very minor damage, if the rest of the repair process is deemed to be more than the car is worth. This does not mean it can’t be put back on the road, however. Here’s what’s involved in using a Category D insurance write-off on the road. Using an Auto Damage Inspection App can take a lot of the pressure out of your hands, and thus give you peace of mind after an accident. Once a vehicle is written off and the insurance claim has been paid to the owner, the car insurance company then legally owns the vehicle. Following this, insurers often sell these cars on to garages and motor factors that have the means to repair any damage at a reduced cost. This makes it financially viable for these businesses to repair the car to a roadworthy condition and sell it on, with the insurance company also recouping some of its costs.

If your car has been written off as a Category D case, the Driver and Vehicle Licensing Agency (DVLA) and the Driver and Vehicle Standards Agency (DVSA) will not be informed of the situation, and the car will not be subject to a Vehicle Information Check. The damage is deemed light enough that the car can be repaired and put back on the road following the work. Of course, the car can also be sold through a licensed salvage yard as a damaged car, or broken for spare parts. If the Cat D car is repaired, we do highly recommend that you get a professional mechanic or vehicle engineer to assess the quality of the work and ensure it has been carried out to a high standard. This way, the repaired car will be as safe as possible. It’s important to remember a Cat D car will have been written off only because it is uneconomical to fix, not because any potential damage was so great it could not be driven again. As a result, no test is needed to validate the work, as a reputable garage should deliver the car to a roadworthy standard – if not, subsequent MOT tests should pick up any defects or faulty repairs anyway.

It’s also worth bearing in mind that while a Category D car for sale might be much cheaper than the market value – even if it is in perfect shape with the repairs being carried out to a high standard – when it comes to reselling the vehicle, it won’t be worth as much. Traders have to declare if a car has been written off as part of a sale, but private individuals do not. To help make sure you don’t get caught out paying over the odds, a car data check will unearth if a car has been written off and into what category it was placed – and can be done for just a few pounds. While a cat D write-off might seem cheap, don’t forget some insurers might refuse to offer you cover on a written off vehicle, too, no matter how light the damage was. If you are thinking about buying a cat D vehicle, be sure to check with your car insurance company whether they cover Category D cars.

Advertising Wins During An Exhibition

Bright colours for bright ideas! You want to be able to show off a little especially in an exhibition environment; your competitors won’t know what hit them! Don’t forget that fonts are also so important and often overlooked. You want cool and funky not boring and square. If you don’t know how to design your table talker that’s just fine because the brilliant and creative customer care team at Bell Graphics can help you design your table talkers as well as printing them.

Visit http://www.bellgraphics.co.uk and they can walk you through how to do the artwork for your table talkers. Quality. Laminated table talkers can go a long way and you don’t have to pay over the odds for your printing. Bell Graphics can also advise you on the best paper and sizing to use for your exhibition. Being in front of your competitors alongside your potential customers can be daunting, but if your advertising is spot on and you’ve done all you can to make better offers than they do, then you’ve nothing to fear. Roller blinds, posters, table talkers and giant glowing flags are all great ways to entice your customers but all will only do the job you make them do.

chairs-70388_640

So sing your brand loud and proud – and we mean loud with fluorescent colouring – and make your company count You’ve set up your stall, you’ve popped up your roller banners and have laid out bags of loot for new customers to pick up on their way round. You’ve got all your best offers on display and you’re ready with your clipboards to take information from new people to set up emailers and send out postal flyers. What else could you need? Well, small is sometimes the best way to be effective in promotions and what better to engage your potential customers than with table talkers made by http://www.bellgraphics.co.uk?

Table talkers are an absolute must have for your business, whether at an event like an exhibition, or on the reception desk of your building as visitors come in and if you have ordered online with http://www.bellgraphics.co.uk, you’ll have had the best! Small, effective and hugely successful, table talkers are a great little way of starting a conversation but here are some tips to help you get the most out of your mini adverts! Action-oriented phrases like ‘order now’ and ‘ask for more information’ are effective ways to get your message across. Table talkers have limited space for content so a flashy, eye-catching headline and a couple of lines about what you’re selling are the best way around ensuring you maximise your exposure and capture interest. Promote deals or promote contact details! Does your company sell holidays?

Adding a catching slogan about what types of holiday you sell or a small list of the destinations you fly to can make a table talker pop for the right reasons. Choose your promotion wisely, you want to draw people in to start a conversation about your company. Make sure the items you select to advertise are ones you think have the potential to be the most popular, or items you know are already popular to encourage new sales.