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Insurance tip What should you do if you find that your car is trapped in a flood. Inundation in water can seriously damage the engine, electrical system and interior of a car. If you left your car parked and came back and found it partially submerged, determine the level the water reached by looking for a waterline on the interior or exterior of the car. So, while you are now reading about what to do when you are trapped in a flood, you may want to call your agent or insurance companies to add-on Special Perils Coverage before disaster strike. General News The Road Transport Department (RTD) has introduced the Vehicle Ownership Certificate (VOC) to replace the vehicle Registration Card (RC) for implementation in stages, beginning 1 June 2016. In a statement, the RTD said the VOC was also a document of registration issued under the Road Transport Act 1987, and contained details of the owner and vehicle. In the third phase (beginning Jan 1, 2017), the VOC would be issued to owners who go to the RTD office (voluntarily) to replace their RC.
In a move to facilitate interactions with the agency, the RTD said the VOC would not be used as a document or instrument for transactions like the renewal of licences for motorised vehicles (road tax), transfer of ownership or amendment of information.
The VOC will not contain a print-out of the record of transactions like in the RC, while data checks can be done directly through the RTD database system.
We want things to be easier and quicker – what better way than to have a clever house that takes care of itself?
The smart office is the hub of the home, from where you ‘go’ to work meetings via virtual reality glasses and which charges all your technology as soon as you walk in – imagine!


Wafer thin solar-panelled roofing will become mandatory as energy resources run out – creating energy for regulating the house temperature and heating the rainwater that’s collected through the clever system of channels between the panelling. Auto-scanning as you walk through your front door will check for any warning signs (not great if you’re trying to pull a sicky at work). Of course with all this brand new technology, you’re going to need a different type of home insurance. The views expressed here are solely those of the author and do not necessarily reflect the views of Policy Expert.
If water breached only the lower door sill, it may be still safe to start the car and drive off.
Check these fluids to ensure water has not seeped into them, causing further damage to the car.
Muddy water can leave a foul stench that can stick to the interior for months, so you may want to remove the carpet and seats and have them cleaned at the local car wash. Standard car insurance policies do not cover floods, unless you have opt for Special Perils Coverage. Download your favourite colours or patterns for a change of scenery, or simply use the walls of your house as a giant cinema – 3D of course! Gone will be the days of calling everyone who’s ever been to your house to see if they can remember where your phone charger is!
The very walls of the house will help to conserve energy, with biomorphic skins that change colour depending on the weather.


The robots will basically be the housekeepers of the future – taking our kids to school, ordering in and cooking our food and doing the laundry.
Laser technology will provide us and our home robots with a means to medicate and have routine operations at home. Accidental damage will need to include that inevitable moment when someone bumps into the clear walls in your house. Compare home insurance quotes from our range of handpicked insurers and tailor a policy to suit you.
Leaving out the really far-fetched, like anti-gravity houses, let’s look at some additions we might be seeing soon. Dark for keeping the house cool in bright sun, and clear on dull days to allow more light in.
Diagnostic microchips will indicate when your robot needs to get out the laser surgery equipment, so don’t worry about them being too keen to try out their medical skills. So loss of income while your home robot sorts that out for you will be on your insurance policy too. And, just in case i-Robot was more of a documentary than a science fiction film, you might want to insure against unruly robots!



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23.09.2015 admin



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