There are a lot of similarities between bike insurance and car insurance. The both serve the same purpose and that is to pay for any damage done in accident. The most important reason to have insurance and the reason that you are required by law to have it is to protect other people if you cause an accident. This is true for both cars and motorcycles. There are some important differences between car insurance and bike insurance and they mostly have to do with the differences between a driver of a car and the rider of a motorcycle, is what Carole Nash Insurance Consultants say.

In the event of an accident involving a motorcycle far and away the most likely person to get hurt is the rider. In fact he is so likely to get hurt that most bike insurance policies don’t cover injuries to the rider. This is a major difference from car insurance in which everyone in the car is covered by insurance. If you ride a motorcycle and you want personal injury coverage you will need to purchase it separately. If you plan to carry a passenger you will need to get yet another personal injury plan to cover them as well. It would be foolhardy in the extreme to ride a bike without personal injury insurance so it is something you really need to get.

On of the positives to riding a bike is that because most of the damage in accident is going to happen to the guy on the bike liability insurance is very cheap. This is the insurance that you are required to have by law to protect other people. It is also the most expensive part of insuring a vehicle. Since a bike can do a lot less damage than a car it is substantially cheaper to insure a motorcycle.

The worst time to find out about the differences between car insurance and bike insurance is after you have an accident. It could be a very expensive lesson if you discover that you aren’t covered for something that you thought you were. Researching the differences beforehand can help you avoid making an expensive mistake.

Recently Jaguar hinted that they will be introducing a new F-Type roadster to the market and expand their XF family. During the motor show in Detroit last ear, Mike O’ Driscoll, the Jag boss, hinted that an aggressive new supercar is in the works but there is a loud buzz that the new speed monster might be on hold.

According to spy reports filed, the new Jaguar supercar is being worked on by engineers to fit the bill as the Audi R8 nemesis in the market. It is supposed to have a newly designed aluminum chassis that was inspired by the lines of the XJ and the XK. The designs that went out before suggests using aluminum panels over a composite tub and alloy. The engine will be a jacked up version of the supercharged 5.0L V8 used for the XFR.

A milder version of the said engine has already been tested and was able to zoom an XFR which was in near-stock state to 225 mph in the Bonneville Salt Flats. The new supercar is expected to at least match this number with blasting from 0 to 60 mph taking less than 4 seconds.

If the original plan pushed through, the XJ220 of the 21^st century is due for the spotlights in one of the major auto shows. It seems the works for the new supercar has been put on hold to focus on the development of the new Jaguar F-Type

The Jaguar electric vehicle may have some design features following the lines of 2011 Jaguar XJ but what it will have is 145 kilowatt electric motor as its heart supplied by lithium ion batteries.

It will also come with a range extender in the form of a gasoline engine just like the design employed by the upcoming Chevrolet Volt. The range extender completes the series hybrid design when it runs a generator which in turn will be recharging the car’s battery pack.

Lotus engineers have designed a small 3-cylinder 1.2L engine that can give out 20 to 47 horsepower. This engine was unveiled by Lotus during the Frankfurt Motor Show last fall. It is a very lightweight engine at 126 pounds of single aluminum casting.

The combined engine of the electric Jaguar sedan can run for 47 miles for every gallon, pretty steep fuel economy for such a strong car. It can also hit a decent top speed of 112 miles per hour. Range will not be a concern at 600 miles.

Jaguar insiders expect excellent handling for the electric XJ since the V8 powerplant weight will be removed from the equation.

Experts are also foreseeing Range Rovers being built on the same XJ platform so there is also a big possibility that an electric Land Rover is also in the works.

The new baby of the British carmaker will be its first ever sports car to depend on diesel. The new XK will have a 3.0L twin turbo set up for its V6 that will compete with the segment where the likes of BMW 635d thrive.

It will be a perfect mix of economy and performance for the turbodiesel XK made of aluminum lightweight alloy. It can blast from 0 to 60 in a matter of 5.0 seconds with a fuel mileage hitting 30 mpg.

There will also be the XK D which offers torque fit for a V8 and acceleration that gets your heart either thumping or stumping while you speed from point A to point B of your day’s itinerary.

The demand for diesel sports car also defines a bright future for the new XK and it sees an annual production run between 10,000 and 12,000 units.

The grille of this Jaguar will have a new look and do away with the oval spitfire wing used by the E type during the 1960s. The new grille will give the XK a bolder look and somehow give the badge proper distinction especially abroad where the oval grille is mistaken for another car brand.

The cabin of the XK should also hit the spot. Inspired by the XJ interior, the XK’s will also use hand-stitched leather, high tech car instruments and panels.

The car manufacturer recently announced that they will be opening the R Performance Academy come December 1. The first session will be conducted at the Homestead Miami Speedway which has 14 turns and stretches to about 2.21 miles. The course will definitely provide a challenge to drivers who are beginners or even to race car professionals.

The participants of the academy will be able to enjoy one whole day of driving and experience different types of driving which will entail varying accelerations, lane changes, and emergency braking. Jaguar will also organize an autocross for the students. There will also be a no traction and stability control driving for the braver souls of the batch.

The XKR and the XFR both depends on the V-8 supercharged engine with an output of 510 horsepower. The cars boast of a 0-60 feat in 4.6 and 4.7 seconds, respectively.

The Jaguar driving academy primarily aims to help drivers and owners of these powerful cars to explore the potentials of their rides and have the skills needed to stay in control during high performance scenarios.

After the first leg of the R Performance Academy at the Homestead Miami Speedway, they will also conduct trainings in Monticello Motor Club, Las Vegas motor Speedway, and Auto Club Speedway every quarter of the year.

The move will make Land Rover and Jaguar units a lot lighter and will enjoy fuel efficiency and mileage because of the change. Tata Motors which owns the two brands confirmed the move in the annual report of the company.

Tata makes the move following the negative performance of the tag team brands in 2008 which translates to a $1.1 billion loss. The lack of profit is blamed on the high cost of developing new models amid the global economic crisis. The other factors cited were the high expenses during production and the low demand of the market for luxury vehicles.

The use of aluminum for the panels of the new vehicle will actually mean higher cost of production. The company though is hoping that the efficiency gains will overshadow the cost. They are hoping to convince the buying public which has been clinging for greener rides.

The XK and XJ models of the Jaguar already use aluminum with its design – but it is new to the Land Rover Cars. The use of the material will allow designers to improve on the aerodynamics, performance, and safety of the future cars. Aluminum will also allow for the construction of a car body will lesser joints and parts which ultimately leads to a stiffer design.

The motor event is set to push the XKR to its limits and give Jaguar engineers an opportunity to discover certain boundaries of its performance. Some are speculating that this might pave the way for the development of the XKR-R.

The specs of the lime green Jaguar for the Goodwood Speed Festival has not been disclosed. Everyone is certain though that it got an upgrade for its supercharged V8 5.0L power plant. That will definitely go beyond 503hp and most likely will range between 550hp and numbers above that.

The standard XKR is limited only to top the gauges at 155 mph. The fuel economy considerations is also good at 23mpg with carbon dioxide rating of 292g/km.

The XKR at Goodwood will also be loud with the custom made exhaust, have a lower ride height, and big 21 inch rims.

Aside from the XKR, the festival will also be graced by Jaguars fastest car, the prototype of XFR, that is capable of zooming to 225.675mph.

The Jaguar classics are also set to wow crowds during the event. The team will be bringing in the C-type and the D-type. Jaguar is also sendin the XJ13 which was used as an endurance racer during the 1960’s.

It is a well-known fact that young people tend to drive cars faster, hence increasing the risk of accidents. The passion of driving cars faster increases the risk factor and along with it the premium charges too. Those who live in the US and are a student under 25 years of age may get special student discounts on their premium. Did you know that the average driving distance also helps lower the insurance premium? This is one of the major facts why aged persons get a lower insurance on their Jaguar cars, since they drive less.

Statistics have shown that women drive far more carefully than their male counterparts and this helps females get a lower discount for their Jaguar cars. It is obvious that sturdy cars attract a lower premium than the light cars. In case of an accident the lighter cars are more prone to get damaged that the sturdier ones. This causes the lighter cars to be charged higher car insurance rates.

During the Detroit Auto Show, Mike O’Driscoll, Managing Director for Jaguar reported that they had sold 65,000 vehicles in 2008 alone. However, the bulk of sales in the United States plummeted to four percent, making only 15,500 in sales.

According to Gary Temple, CEO of Jaguar Land Rover North America, they are assuming that the demands of Jaguar will be low this year. The sales in the United States suffered a crushing 18.0 percent decrease in 2008. Industry forecasters predict further blows this 2009.

When Jaguar was still owned by Ford Motor Co. the car company reached 61,204 in sales. Six years later, the Jaguar sales in the United States dropped by almost seventy-five percent. The United States used to be Jaguar’s biggest market but due to the economic crunch, the United Kingdom has replaced the U.S. as Jaguar’s gold mine.

According to O’Driscoll, the $50,000 XF sedan helped give Jaguar a push for the rest of 2008 when it was launched earlier last year in different markets. This March, Jaguar will launch its high-performance XFR sedan and XKR coupe, two additional Jaguars in the car company line-up. Nothing has been announced or speculated about the new Jaguar 2010 models. We all have to wait and see.

Jag’s new baby boasts of a new supercharged AJ-V8 Gen III engine, which pumps 460-lb-ft of torque, delivers two power outputs—379-hp naturally emitted and 503-hp supercharged. The new V8 was described by Jag “as its most technologically-advanced petrol engine ever.” Accelerating from 0 to 60 mph in 4.7 seconds, the XFR is the topmost model of the XF range, explicitly engineered to compete with the speed demons like the BMW M5 and the Mercedes-Benz E 63 AMG.

With minor aerodynamic and safety alterations to fit the Bonneville run, the XFR’s top speed was reached with added horsepower, remapped engine control unit, modified air intakes and exhaust, and an adjusted supercharger. The six-speed automatic transmission, gear ratios, and internal engine components were untouched.

The XFR beams with a deeper front spoiler, heavier chrome front grille, steering-wheel-mounted paddle shifters, new aluminum wheels, and a lower stance. The cylinder head bolts and bracket are retained from the former 4.2-liter V8.

The old 4.2 liter with its 300hp offers a V8 alternative to V6s competitors, thus it will stay in production. The XF U.S. line-up will still offer the S-V8 with the new 500-hp engine. The supercharged XFR will hit the United States this coming spring.

Photos thanks story thanks to Sports Car Rent Las Vegas!