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Telematics trends in the UKUsage of telematics is growing quickly in the UK, targeting young drivers and addressing some of the issues created by the new EU gender directive. Telematics insurance requires the installation of a device on the vehicle, commonly called a “Black Box”. Furthermore it can control more subjective aspects of the driving style, such as the accuracy of steering and the steering angles, as well as the ability to avoid sudden accelerations or decelerations. In case of an accident the “Black Box” can also register crucial data about the car in the accident  such as direction, speed, vehicle position and collision angle.
Telematics is anything but new from a technical point of view –  Progressive Auto Insurance in the USA and Norwich Union in the UK commercially implemented telematics back in the early 2000’s. At that time the installation cost of the device and its complexity limited the success of telematics and it was only marketed as a niche product targeting very low mileage users. The majority of accidents that take place on Fridays and Saturdays involve at least a young driver. Not only the chance to have an accident is higher but also the severity of the accident itself; 79 young drivers died in 2009, 770 suffered major injuries and 9,500 suffered minor injuries.
Therefore the most relevant benefit of using a telematics insurance (especially for young drivers) is that the insurance premium is lower for those drivers that are more skilled or prudent than their peers, as they have lower probabilities to be involved into an accident. In the UK market there is some statistical evidence that telematics reduces the claims frequency of young drivers: back in 2005, Norwich published evidence that drivers between 18 and 23 (driving vehicles equipped with a telematics device) had a 20% lower chance of being involved in an accident than the average young driver. In order to decrease insurance cost for consumers, Wunelli, a UK telematics solutions provider, has developed SoteriaDrive, which uses a smartphone app to eliminate the need for an expensive installation of the black box onto the vehicle. According to Wunelli, who developed the technology, the app has 99% accuracy compared to the black box permanently installed on the vehicle, considering, after about 300km from the beginning of use, it is able to provide a customer driving profile, based on commonly driven routes, driving styles and speed verified and validated using GPS technology. SoteriaDrive was created as a result of  Wunelli experience  during the past 4 years and from over over 50,000 apps downloaded.
In order to reduce black box installation costs, but without giving up on its benefits in terms of accuracy and quantity of data collected, Wunelli can also offer an intermediate solution between the App and the permanent Black Box device installed on the vehicle. This sensor is able to record data even if the smartphone is not inside the vehicle and to send it to the provider (Wunelli) via smartphone during the next connection. The latest generation of “Black box” records and transmits a broader set of information to the Insurance Company. Thanks to telematics, young responsible drivers will pay a more reasonable price, rather than being evaluated for the age segment they belong to.
According to the European Union Gender Directive, being implemented from December 2012, Insurance Companies cannot consider policyholder gender when determining their premium. In addition, in order to further foster the virtuous circle, UK Insurance Companies also make the data on driving style (collected by the “black box” and used for pricing) also available to the young insured via an on-line portal. From a marketing and communications point of view, in the UK the message of risk prevention has been heavily emphasized to both the young drivers and their parents (in particular, parents can access the portal to check when and how the car was driven and therefore monitor their children driving style). At present, telematics insurance is a niche market with a few specialized players (Insurethebox , Ingenie, Coverbox and iKube) and a few more traditional companies (Co-operative Insurance, AA and Hastings Direct). There are currently around 450,000 telematics policies in force in the UK and their number has nearly doubled over the course of the last 12 months. Italy remains the largest market for telematics in Europe with over 2 million policies in force and 800,000 new policies sold in 2013 alone, with Unipol Group as the largest provider. In the US telematics is also making significant inroads and Progressive insurance now has more than 1 million policyholders using telematics.
CP Consulting publishes research reports and working papers on different industry topics, including Insurance Price Comparison and “Mobile” insurance.
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Can I unsubscribe?If you wish to unsubcribe you can do so at any time by clicking the link at the end of each email. Earlier models, the 48-215 and the FJ, were based on pre-war designs and were showing their age by the mid-1950s despite being popular with local buyers. The FE brought a touch of Hollywood to Australia with its contemporary styling, and bright stainless and chrome body trim.
Like everything in the 1950s the Holden was growing bigger and bolder, the FE being longer and wider, with a longer wheelbase and track than its predecessors. It was linked to the same three-speed manual gearbox, which had synchromesh on the top two gears and was shifted by a lever on the steering column.
The end of the driveline was the same solid rear axle, but it was beefed up with new rear axle shafts for improved durability.
Other improvements that arrived with the FE were 12-volt electrics, 13-inch wheels, a hydraulically operated clutch, and recirculating ball steering.
Gone was the starter button, the FE could be started with the key, but the windscreen wipers were still vacuum operated, and windscreen washers were optional, as were heaters and radios. The big news with the FE was the arrival of the first Holden Station Wagon, a stylish five-seat wagon with plenty of storage space behind the rear seat. In addition to the new wagon models Holden offered Standard, Business and Special sedans, a utility and a panel van.
What made the Special, well, special, was the extra stainless steel and chrome body trim, the “Special” badges, the front number plate surround, and turn signal lamps.
Forget dealers when buying an FE; instead contact the various Holden car clubs and see what their members may have on offer. Before you go shopping decide if you want a restoration project, a solid driver, or a trophy winner as that will determine how much you will have to pay. A car requiring a full restoration can be had for less than $1000, but one that’s complete and drivable and maybe even roadworthy will set you back $4000-$5000, while a show stopper will cost $6000 to $10,000. A Special will cost more than a Standard and will in turn be worth more at the end of the day. Condition, condition, condition is the catch cry of the classic car enthusiast, and it’s the key thing to keep in mind when shopping for your dream ride.
If you’re buying a car that someone else has restored check it thoroughly for authenticity and completeness.
Most old car enthusiasts prefer to buy a car that is run down so they can have the fun of bringing it back to life. Restoring an old car is always expensive, the costs usually exceed the value of the car once it’s completed so you need to be aware of that and determine to get your money’s worth out of it by having some fun driving it. When buying an FE look for rust in the bottoms of the doors, the lower sections of the front and rear guards, the rear dogleg, the front and rear floors and the boot floor.
The gearbox could be noisy and in need of bearings, which is not a problem, but make sure the synchros are working smoothly. Inside, the trim will most likely be worn, torn or faded so be prepared to have it retrimmed.


Make sure it’s complete with all the correct chrome and stainless jewellery as this can be hard to find if you need to.
The FE is a cool affordable classic that is easy to restore and maintain, but don’t think about it for everyday transport. For the second time in a row, Ford's Ranger beat out Toyota's Hilux to claim the number 1 spot of the best selling vehicles in our overall list, and best selling bakkie. For the first time, the Datsun Go cracked the top 10 passenger cars list in April, but has since fallen.
Replacing the Go in May was the Chevrolet Spark which sold 754 units, and the biggest riser in our list from a mere 234 units sold in April. Overall, the market for bakkies continues to be the only bright start, and more so the used bakkies for sale. The top ten selling bakkies sold increased units by an average 18.07% between May and April. Along with Korean sibling Kia, Hyundai has delivered a series of surprises in recent months. The second-generation crossover, launched in 2009, was stylish, sporty and surprisingly well-equipped. As with the latest Sonata, the Tucson adopts the latest take on Hyundai’s distinctive design language, now referred to as Fluidic Sculpture 2.0. From the rear, there are revised LED taillamps, a newly integrated spoiler, a wide bumper and chromed dual exhaust tips. Other nice design touches include the new, low-profile roof rails, the available 19-inch wheels, and the optional Panorama sunroof that stretches virtually the entire length of the Tucson’s passenger compartment. Hyundai’s focus on Fluidic Sculpture has certainly turned heads and brought shoppers into the showroom, but once you drive off with a vehicle, it’s the interior you really have to live with. Seating, in general, is quite comfortable, and the front buckets offer plenty of bolstering to keep you in place during even hard cornering. Nose-to-tail, the 2016 Hyundai Tucson measures 173.2 inches, about three inches longer than the outgoing model.
To further improve ride and handling, the 2016 Hyundai Tucson opts for MacPherson struts up front with a new multi-link rear. While not the sportiest model in its class, the 2016 Hyundai Tucson delivers a more planted ride than many of the segment’s best-known offerings, such as the Ford Escape. The base SE features a naturally aspirated, 2.0-liter four that makes an acceptable 164 horsepower and 151 pound-feet of torque. Unlike some competitors, Hyundai opted not to go with a CVT, instead opting for a dry-clutch DCT transmission.
On the downside, we did experience a bit of torque steer under aggressive launches with the front-drive package. On the whole, the 3,710-pound Tucson has a nice launch feel, but at highway speeds you start to feel like the little I-4, despite its turbo, strains just a little. One of the key targets for the 2016 Hyundai Tucson was to deliver a broad array of passive and active safety features. You can climb into the 2016 Hyundai Tucson for at little at $22,700 – plus $895 in delivery charges. Surprisingly, some trim levels actually come in a bit higher than competing models such as the Escape and Honda CR-V – but Hyundai officials are quick to point out that the Tucson versions offer far more standard features at each level. Based on our drive of the 2016 Hyundai Tucson we’d suggest that this is not an overly ambitious goal.
Tags: 2016 Hyundai Tucson, 2016 hyundai tucson review, Korean cars, SUV review, auto news, car news, car review, compact crossover, compact crossover review, hyundai news, hyundai review, hyundai tucson review, korean car review, paul a. Please test drive a Sonata with cruise control, then you will think twice about Hyundai product. My right ankle used to be so swollen with edema, but since starting T-Tapp last week and skin brushing, it is gone! I'm a happy wife and mom of 12, Plexus Sapphire Ambassador, T-Tapp Master Trainer, homeschooler for 30 years so far, and baker of a million cookies. There are plenty of small businesses that still use a blank invoice form to bill their customers. Customize It: The first step is to customize the blank invoice template by editing the header with the name of your business, inserting a logo, etc. In the Field: When using the blank invoice in the field, you can use a clipboard and some carbon paper that you can get at your favorite office supply store. An alternative to using this blank invoice template is to pay a commercial printing company to print a custom invoice for your business on carbon paper or as a receipt book.
This device communicates with on board instruments to monitor a series of parameters like hours of the day when the vehicle is driven, the distance driven, they type of roads where the car is driven and the speed of the vehicle during the journey.
Marketing focused only on two aspects: recording total mileage and collecting key data in case of an accident (similar to the function that black boxes have on airplanes). The App is also able to understand if the customer is travelling by train (and not by car), if is not the policyholder driving the car or if the customer forgot to activate the App at the beginning of the route and it is able to give alerts.
Furthermore, on the basis of 26,000  installations and the data of 441 millions miles driven, Wunelli developed a scoring system (called Driving DNA™ Score) that range from 0 to 100, where 100 represent an extremely safe way of driving.
This data included total distance travelled, speed of the car, the date and time when the vehicle was driven (this allows to control if the car is driven mainly at night and during the week end), the number of stops during a long journey, the number of miles driven per journey ,the mix of journeys (in town, out of town, motorway) as well as  the number of journeys. The premium readjustment feeds the virtuous circle “safe driving = premium discount” or vice versa “dangerous driving = premium increase or, in some instances, policy cancellation”.
For this reason telematics constitutes a viable alternative for Insurers to achieve an even more accurate customer segmentation, enabling them to identify the most responsible young drivers independently from their gender. Their insurance policies are underwritten by Catlin Insurance, one of the main players of Lloyd’s market in London, while the technology is supplied by an Italian company, Octo Telematics. Carlo set up CP Consulting 5 years ago, after a 10 year experience in Bain & Company and Oliver Wyman’s insurance practice. The site is supported by corporate sponsorship so please show your appreciation and support by signing up to the site.
Holden was flying high at the time, riding a wave of unprecedented popularity at the top of the local car market just eight years after the very first Holden was launched.
It was the first car effectively designed and developed here in Australia and brought Holden right up to date with the latest developments occurring in the US.
One look at the 1955 Chevrolet and you can see the source of the FE designer’s inspiration with its low belt line, large glass area, headlight brows and egg crate grille.
The engine was the same 2.15-litre overhead valve six-cylinder “grey” motor, but it could boast an additional seven kilowatts over the FJ’s 54 kW thanks to higher compression and better breathing through larger valves and better porting. The same independent front suspension had coil springs and tube shock absorbers, while the back rode on leaf springs and tube shocks. If you’re one of these remember that money spent is money you’re unlikely to recover when you come to sell the car.


The grey six is tough and reliable, but is almost certain to need rebuilding, which is easy with parts readily available. The three-speed has synchro on second and third so make sure the gears can be engaged smoothly without baulking.
December 2014 was the first time that the Ranger outsold the Hilux, and it looks like this will become a more frequent scenario going forward. The muted success comes even though there had been much debated about the car's safety record. General Motors revealed a 4th generation Chevy Spark this past April, which should decrease the average prices of the current generation. As mentioned above, Ford Ranger remains the best selling bakkie in South Africa, and overall the most popular vehicle.
Now, Hyundai is back with a third-generation Tucson, and with the compact crossover segment becoming increasingly competitive, we headed off to Minnesota for a first drive to see how it stacks up.
Critics have faulted the Korean maker for taking a more conservative approach with the midsize sedan’s recent update. They frame the familiar Hyundai hexagonal grille, while the foglamps have been pulled to the corners to further enhance the feeling of width. Our front-drive model was fairly stripped down, but still featured a compact LCD display for operating infotainment features. That serves several purposes, minimizing the weight gain from that larger body while improving crash performance – with Hyundai expecting a five-star rating from NHTSA and a Top Safety Pick+ endorsement from the Insurance Institute for Highway Safety.
There is only modest – and predictable – body roll, and even on rough dirt and gravel roads, the Korean crossover maintains its poise. But the rest of the 2016 Tucson line-up is powered by a turbocharged 1.6-liter inline-four making 175-horsepower and 195 pound-feet of torque.
We were skeptical, at first, recalling the problems other makers have had with this approach. That starts out with a more crashworthy body structure, but Hyundai also offers a suite of advanced safety technologies such as Lane Departure Warnings, Blind Spot monitoring, Lane Change Assist, Rear Cross-Traffic Alert, and Auto Emergency Braking with Pedestrian Detection. After years of rapid growth, its sales have tapered off a bit in recent years, officials lamenting that they simply haven’t been able to get enough crossovers from their global manufacturing network. The CUV is attractive, well-equipped and loaded with the safety and infotainment features buyers seem to like. We've kept things together (and mostly sane) at home in the meantime, so look around the blog to find practical help for home, family, health and business! This is common for repair services that visit a home or business and collect a check immediately after work is done.
Then edit your mailing address and the line at the bottom that says who to make a check out to. Yes, I did say carbon paper, because you are going to want to keep a copy of the receipt for your own records as well as give a copy to the customer. These algorithms considers different factors like: amount of night hours driven, speed, driving in high traffic areas, driving fluidity (harsh speed ups and slowing downs), number of travels of small and very small range. Check the body for the presence of excess filler, a good sign the body has been done up by an amateur.
Rust is expensive to fix properly so look for a car that has minimal rust, perhaps one that has been garaged all its life. With less specials offered to individual car buyers at the dealerships, there will continue being challenges for South Africa's ambitions of more than 1 million sold cars by the end of this decade. At 406 units sold in April, the Go, which is manufactured by Nissan is proving to be a quick success for Nissan, compared to their 5 other passenger cars in the top 100, namely the Qashqai, X-Trail, Micra, Almera, and Juke, which sold combined units of 674 in May. Both the Ranger and Hilux (at position 2) are due for refreshes later in 2015, which means the race between the two can only intensify some more going forward. Power’s latest Initial Quality Study, as well as AutoPacific’s Vehicle Satisfaction Awards. While some recent entries into the segment, such as the latest Ford Escape require you to do a dance, waggling a foot under the back bumper, you simply need to walk within three feet of the 2016 Tucson’s tailgate with the key in your pocket for the power hatch to open.
Company stylists suggest they were influenced by the open-winged designs of the great Eero Saarinen. But even lower-trim models receive a nice touch, the steering wheel and shifter both leather-wrapped.
The all-wheel-drive Limited added such niceties as an 8-inch display with built-in navigation. It also translates into a stiffer vehicle with better road manners, especially on some of the rough back roads we traversed during our run through Minnesota and Wisconsin lake country. That system not only can shunt most of the engines torque front-to-back, as needed, to maximize traction, but there’s also a brake-based torque vectoring system that can improve handling in tight corners. A number of these features are optional, so it remains to be seen how many Tucson buyers will spend the money. That pipeline begins to open up this year and next, and Hyundai hopes to sell as many as 90,000 Tucsons next year, more than 50% better than in the CUVs previous peak.
For now, here where the top cars and bakkies sold in South Africa in May 2015 versus April 2015. Leading up to the refreshes, many people may consider waiting for the new models instead of buying right now. But if you’re one of those giving Hyundai the cold shoulder, it may be time to think again.
It retains its visual edge, if anything, becoming even bolder and more aggressive with a kinetic stance enhanced by a rising beltline and flared wheel wells that make the Tucson appear to be constantly in motion. What that translates into is the feeling of spaciousness, thanks to subtle changes, such as moving the vents to the far corners of the instrument panel. We found the latest voice control system a bit quicker and easier to use than with the gen-2 Tucson. This all translates into a surprisingly roomy cabin that can handle nearly 62 cubic feet of cargo with the rear seats folded down. This double-clutch transmission provided both intuitive and incredible smooth, shifts coming almost imperceptibly under even the most aggressive passing maneuvers. If you are looking for a blank invoice other than what you can find at your local office supply store, try our free Blank Invoice Template below.
This will increase the availability of these current bakkies and make for good second hand bakkies by then. If you are handy with Excel, you could also try modifying one of the invoice templates listed on the right.



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10.01.2014 admin



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