The Benefits of Business Vehicle Insurance and Who Needs It |

When working with a vehicle for public purpose, a company policy is obligatory. As an example, using office transport for going to a business conference or publishing a letter on behalf of the company falls below the class of official work. Any harm to the car or trauma to the passengers is going to be protected by a tough business auto insurance. On top of that, if the other party is injured in an incident, the employer might be charged for his employee’s action. Hence, a proper insurance coverage for office cars is essential.

The way in which company auto insurance works

Social, domestic, and pleasure (SDP) usage are the regular day to day use that may be insured by most insurance firms. This does not typically give you many options while you are going to your workplace or for the business or company you’re working for. It wouldn’t even protect your automobile if you ever have upcoming company travels.

You should obtain a special insurance if you would like a company automobile insurance. You’ll be able to pick one of these types of forms:

1. Private and rare business use – This protects personal use and travelling. It also covers company trips by the owner or their own partner. The automobile, however, shouldn’t be signed up as a business vehicle nor should it be the primary tool for making your earnings.

2. Private and company use – Similar to the previous one. The primary difference is the fact that this protects the company-related travels created by the holder, their husbands and wives, or all those who have been stated as a motorist at the time of company car insurance policy application.

3. Commercially made driving – this protects car owners who use their vehicle as part of their regular job and business travels. Pizza deliveries, such as, use a company car in order to provide their item to their clients.

The advantages of Company Auto Insurance

Small businesses proprietors occasionally count only on individual auto insurance and felt that the coverage is safe enough. Once your customers are increasing it is also a good idea to secure your cars and trucks you use to transport your products and workers. Company vehicles insurance has wide range of positive aspects in comparison with personal auto insurance.

Personal vehicles owned by your workers are often involved in the insurance policy if it is used for company functions. In addition to that not only you protect your small business but your workers too. With this you are also stimulating your workers and you also present your concern for them.

Healthcare bills won’t post as a problem for those who have company automobile insurance. Healthcare and clinic payments shall be settled for both insured and uninsured drivers immediately engaged in the crash. In instances where fatalities took place in the crash, medical expenses will handle the price as well.

Under insured motorist is covered by your business car insurance plan. If by any chance an under insured vehicle driver caused an collision, you and the passengers are going to be protected by the insurance plan.

You could figure out what small business auto insurance coverage fits your needs to protect you, your family members, staff along with your company. Being aware of your insurance plan can help you cut cost when you’re in a vehicle incident.

What? Wireless Air Travel – Yeah, It’s Coming Soon |

The Ability to Use Wireless Technology during Air Travel – It’s on Its Way

In early 2007, OnAir will arrive. OnAir is a service that uses satellite technology to enable air travel passengers to use wireless devices such as mobile phones, Internet connections from computers and Blackberries during a flight. The debate over the use of wireless technology during flight has been going on for years, and now that it’s about to happen, the debate is likely to heat up.

First of all, you should know that the first wave of this will not be happening on US flights. Airbus, the plane manufacturer who is creating this technology, is selling it to AirFrance. AirFrance is expected to have the service available to passengers in early 2007. Whether passengers will have to pay for the service like they pay for headphones for a movie is not known yet. Two other airlines, the British airline bmi and TAP Air Portugal are both considering using OnAir, but nothing has been finalized, yet.

So what is the debate all about? Who wouldn’t want the convenience of using their cell phone during a long flight, getting important e-mails on their Blackberry or having the luxury of surfing the Internet to pass the time? Apparently, lots of people and for some very valid reasons.

The Safety Consideration

There has been an ongoing concern that the use of mobile phones (cell phones to us Americans) and other devices that use wireless technology could interfere with the plane’s navigational equipment. Recent technological advances in both navigational equipment and cell phone technology seem to negate this concern, but not everyone is convinced. There is concern that the navigational equipment on older planes may still be affected.

The Mobile Phone Debate

Okay, suppose the safety issue is taken care of and there is no concern that wireless communications technology will interfere with the plane’s navigational equipment. What objection is there to the use of mobile phone’s during a flight?

Surveys have shown that the majority of air travelers are against the use of mobile phones on an airplane because it would be downright annoying to sit next to someone who is receiving and making phone calls for hours on a flight. They imagine being stuck between two incessant talkers.

Common sense would seem to tell you that people wouldn’t really be so inconsiderate as to have hour’s long conversations on their mobile phone during a flight. But experience has shown us when it comes to mobile phones, most people loose their common sense. People will hold loud personal conversations in restaurants and grocery stores and on buses. They will drive using a handheld mobile phone even states where it has been made illegal. So does anyone really believe that people will use common sense and consideration during air travel? Not really.

It’s easy to see the scenario. Business people who intend to be considerate will receive what they deem to be a very important business call and end up talking longer than they expected. Or, a mom who just wants to check on her children for a minute will end up having to chat with each one of them before she can hang up.

It’s no wonder that air travel passengers are concerned that the use of mobile phones will become an annoyance during flights. They already are an annoyance down on the ground. Another concern some air travelers have will be the tension that all of this annoyance will create, perhaps making already jittery flyers more frustrated and pushing them over the edge.

Some people are already nervous just about flying. Add a cramped, overcrowded plane to the mix, the constant threat of terrorism, the restrictions on what can be carried on, and now the addition of an inconsiderate mobile phone user sitting right next to that nervous flyer, and someone might just snap.

What about Internet connection?

Travelers aren’t as adamantly against the use of Internet connections for computers and pda’s such as Blackberrys. Those devices are quiet. Many passengers already use their laptop computers on a flight; it’s just not connected to the Internet when they use it. Being able to send and receive e-mail messages while on a flight could be convenient to most people, particularly business travelers. There doesn’t seem to be much of a debate over these devices as long as safety is not a concern.

What Can be Done?

When should you start being concerned with this issue? As of right now, US carriers don’t seem to be considering using OnAir or any service like it. A report on MSN Travel said that the airlines that they asked – AirTran, Spirit, and US Airways – all said that they have heard their passengers say they don’t want mobile phones used on planes and are against adding the services. However, the question is, if these services do catch on in Europe and prove to be a money maker for the carriers who use it, will the US carriers jump on board? In an era of shrinking profits, will they be able to resist?

So if the trial that AirFrance is giving OnAir proves to be successful and the US carriers jump on board, what can be done to make sure that mobile phone usage does not become a problem on board?

One solution is to have no cell phone usage times. Perhaps next to the little light above your seat that lets you know if you need to have your seat belt fastened or not, there could be another light that lets you know if it’s the proper time to use your cell phone or not. Cell phone time could be restricted on long flights and on flights that are overnight when most people would want to sleep.

Another solution is to give the crew the ability to disable the voice function on devices during restricted times. During those times text messaging and e-mailing would be allowed, but talking would be disabled.