Norton Owners Vic

The ‘Norton Owners Club Victoria (Inc)’ was formed in 1981 by a group of Norton enthusiasts. Starting out with six members it has continued to grow with members throughout Victoria and South-East South  Australia.

The aim of the club is to provide a medium to bring together Norton owners, to provide social contact and help each other with Technical information.

We cater for all age groups and all types of Nortons.

Club rides are held regularly and vary from short half-day trips to three-day rallies, which ensures all member’s interests are catered for.

Weather

Melbourne (144.7° lat. – 37.8° long.) was recently voted the world’s ‘most livable city’  Melbourne has a fairly temperate climate.

Apart from the extreme summer heat on fairly few days it is always good for a ride.

Temp. variation:  High: 48 deg C  Low:  -3 deg.C

The ABC’s of Car Insurance

The ABC’s of Car Insurance

We all know that we need to have car insurance if we want to safely drive our vehicles. But it can be very confusing when it comes to all of the different car insurance companies that are found online. The first step to purchasing car insurance is to know what you need and what is out there. There are a number of components that make up the actual cost of your insurance plan that you need to be well aware of.

Bodily Injury Liability

Bodily injury liability coverage is a part of all car insurance plans that will protect you from any injury or death claims that are made against you if you are in an accident that hurts or kills someone.

Collison Coverage

Collison coverage will cover the damage done to your vehicle in the event you are in an accident. It will cover up to the blue book value of your car. Drivers will pay a deductible if this happens, generally from $250 up to $1,000, depending on what they choose when they purchase a car insurance policy.

Comprehensive Coverage

Medical

The medical portion of a car insurance policy will pay for any injuries that you or the occupants of your car suffer if you are in an accident. For those in a “no-fault” state, personal injury protection is the replacement for medical coverage.

Property Damage Liability

This car insurance portion will cover any property that you may damage if you are in an accident, such as a building or other structure. This type of car insurance coverage is required in almost every state.

Rental

Rental coverage is an optional choice when you purchase car insurance. If you are in an accident and your car is in the shop, rental will cover the cost of a rental car up to a certain amount of days or a certain amount.

Uninsured Motorists

If you are in an accident that is not your fault and the other driver does not have insurance, uninsured motorist coverage will protect your car and pay for damages. More drivers are uninsured than people think, so this is a good type of coverage to purchase.

Car Insurance

Common Questions About Car Insurance

Common Questions About Car Insurance

When it comes to auto insurance, we all seem to know that we need it. However, we don’t all understand what the coverage entails and what it omits. Today, we are going to answer some of the most commonly asked questions about car insurance to help readers better grasp what this insurance is.

What Type Of Coverage Should I Get?

Liability Coverage – This is the bare minimum required by every state. This coverage pays for the injuries and damages that you cause to others. This doesn’t provide any sort of financial assistance for your vehicle damages or your injuries from the accident.

Personal Injury Protect (No-Fault) Coverage – In some cases, there are requirements for all drivers to have this type of no-fault coverage. This allows you to file an insurance claim with your own insurance provider for the injuries you obtain from an accident that was your fault.

Uninsured Motorist/Underinsured Motorist Coverage – In cases where your vehicle is damaged by another party who doesn’t have insurance coverage or who doesn’t have an insurance coverage limit that will cover all the damages, this car insurance will help. This is legally required in some states.

car insurance

Collison Coverage – This type of car insurance plan covers the cost of damages and injury-related expenses for your vehicle when you are at fault for an accident. This is what most people mean when they say full coverage. If you are currently financing a vehicle, you will typically have to retain this level of coverage for the vehicle.

Comprehensive Coverage – This type of car insurance is intended to cover the insurer in the case something other than an accident caused damage to their car. This could be a tree falling on the car, flooding, or hail damage.

Towing Coverage – In the event that your vehicle breaks down or you need roadside assistance, towing coverage can help. Most policies will cover non-accident towing, jumpstarts, lockouts, roadside labor, and tire changes.

As you can tell, there are some insurance coverages that you must legally obtain to drive within your state. Other types of car insurance coverage, such as comprehensive coverage, is optional.

What Coverage Amount (Limit) Do I Need To Have?

Each car insurance policy will come with a maximum limit of what the provider will pay out for each specific type of expense. These are typically written in a format such as $15,000/$30,000/$5,000. Let’s break this type of coverage down so you can better understand.

$15,000 – Limit for injury or death expenses for one person.
$30,000 – Limit for injury or death expenses for multiple persons.
$5,000 – Limit for property damage from the accident.

Each state will require its own amount of minimum coverage limits you must have for each of these areas. In order to legally drive in the state, you must have the required coverages.

Facts About Landlord Insurance

The Facts You Need To Know About Landlord Insurance

What Is Landlord Insurance?

Landlord insurance is a type of insurance policy that covers a property owner when they rent out their homes, apartments, or condos to other people. This insurance is meant to protect the property owner from any major financial loss due to severe weather, theft, fire, and other incidents.

It’s important to realize that there are different add-ons for the typical landlord insurance policy. These add-ons can include thing such as loss of income, where you will receive payments from the insurance company in the instance your property becomes uninhabitable to rent.

What Is Covered Under A Landlord Insurance Policy?

There are two main areas of coverage that every base insurance plan comes with. This includes property damage and liability insurance. Let’s take a closer look at each one of these areas below.

Property damage happens when the building is damaged due to vandalism, theft, storms, fire, or even tenants. This policy will also cover the property owner’s personal property in the event of damage, such as furniture in a furnished apartment that they let. In the event of a total loss, the insurance company will pay the replacement cost for the entire rental property.

landlord insurance

Liability coverage is more geared towards protecting the property owner from any liability lawsuits. In the case a tenant or visitor to the property becomes injured due to neglect from the property owner, they can take legal action against the property owner.

They can do so to receive compensation for loss of income, funeral costs, legal fees, and medical payments. This coverage also works for covering the loss of personal property for the tenant or visitor in the instance the property owner is liable for the damage.

What Is Loss Of Income Insurance Add-On?

In the event that your rental property becomes uninhabitable, loss of income insurance can help to cover the rental income until the property is fixed or rebuilt to a habitable state. This damage could be due to a storm, fire, or even water damage. This rental reimbursement add-on will ensure the property owner has a stream of income during the time the rental is not able to be rented.

What Are Other Add-Ons For A Landlord Insurance Policy?

There are many different options that a property owner can add-on to their insurance policy to better protect them from financial loss in the future. Some of these include rent guarantee insurance, natural disaster insurance, landlord contents insurance, employer liability insurance, and others. Different insurance companies will offer various options to their basic landlord insurance policy.