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TVS Flame SR125

25 June 2009 Steve Leave a comment

tvs flame sr 125

TVS Motors has launched the upgraded version of its Flame 125cc bike christened the SR 125.

Cosmetically the Flame SR 125 comes with a new graphics, color schemes accompanied by a fatter rear tyre. TVS Motors also say that the enhanced engine now has lower NVH and ’significantly’ enhanced low and mid range performance and lesser noise.

The TVS Flame SR125 comes with significantly enhanced low and mid range power delivery and better noise, vibration and handling (NVH) characteristics. The revolutionary Controlled Combustion Variable Timing Intelligent (CC-VTi) technology provides an advantageous combination of power and mileage backed by stunning looks.

One of the visible changes in the TVS Flame SR125 is the wider rear tyre. It is a category first. This impressive rear tyre, which has been a clamor by our customers, ensures better road grip and enhances the bike’s looks. Futuristic styling with refreshing new graphics deployed in this motorcycle gives it best-in-class appeal.

The disc brake version of the bike has been priced at Rs 47,550 and comes in dual tone colors of red and blue and an all black edition.

Categories: Bike Tags: , , ,

Slogans in your Bike/Car

14 March 2008 Steve 7 comments

its not hard liquor, its just wine!

I am only driving this because my truck is in the shop!

Slow down and back off… I am a cop!

Another bright blue dot in a confused red country.

Silly boys…trucks are for girls!

That thing in the middle of your steering wheel is a horn NOT A DOORBELL.

I was born intelligent, but education ruined me.

If U Read My Bumper Sticker…LOOK OUT!

I failed 1 of my final exams by looking into the soul of the person beside me.

It aint over until your brother counts the votes!

If you can read this, that means I won

Support Corporate Greed: Shop Walmart

Practice makes perfect, but nobody is perfect so why practice?

Welcome to America !! Now speak English and carry auto insurance.

Are you following Jesus this close?

Hit Me…I need the $$$

Have you ever stopped to think and forgot to start again?

Using my turn signal will just reveal my plans to the enemy.

Do not run your fingers over my car and i will not run my car over your fingers.

You can’t stop the waves but you can learn to surf.

THE RELIGIOUS RIGHT v. THE IMMORAL LEFT

Talking on a cell phone behind the wheel should be attempted murder.

Earth is full! Get off!

Lizard: The other white meat.

All Hummers belong in Iraq.

The Longest Sentence Know To Man: “I Do”

Karma will always win so victoms have justice.

Native Of Red Sox Nation

If you really loved them they would be in seat belts!

I would rather not see two Johns in the Whitehouse…

Chevrolet: Cracked Head Every Vavle, Rattles, Oil Leaks Every Time

Dont like my smoking? Quit breathing!

D.A.M. – Mothers Against Dyslexia

KERRY FOR PRESIDENT — OF FRANCE

When the chips are down the buffalo is empty.

My aptitude test says, “Best suited for Organ Donor.”

Question assumptions.

Politicians and diapers have a lot in common: they often need changing!

Honk if parts fall off!

Smile…it confuses people.

I actually voted for Kerry, before I voted against him.

Voldemort for Prestident

Life is not permanent. Do not take it seriously.

LIFE: a tragedy to those who feel and a comedy to those who think.

You may only be one person in the world, but you may be the world to one person.

AMERICA: LOVE IT OR VOTE KERRY

Drive safely, avoid drivers like me!

The proctologist called…..they found your head.

Guys – Just because you have one doesnt mean you have to be one.

You suck at driving.

If only closed minds came with closed mouths.

I am playing hard to want.

Caution: Blonde Thinking

This is what a princess looks like.

I brake for American made cars only.

Be Nice or Leave

If you can read this you are too close – and you are asking for it!

You have The right to your wrong opinion.

You have the right to wrong your opinion.

No Jesus, No peace — Know Jesus, Know peace

There are only two things in life you can count on: Death and Taxes.

No matter how bad it gets, It can always get worse.

Do not play a leap frog with a unicorn.

This car is protected by an anti-theft sticker!

There are only two kinds of pedestrians: the quick and the dead!!!!

Now That You Are Kissing My Bumper… Wanna Get Married?!?!?!

Go On, I will See You At The Next Light.

All Men Are Idiots… I Married Their King

There are 3 kinds of people: those who can count & those who can’t

The sky is always bluer at the top of the windshield.

IF ITS TOO LOUD YOUR TOO OLD

Growing old is inevitable…Growing up is optional.

angel inside (like the intel inside logo) {wish i could find another one! :-[ }

[picture of Hillary and Bill Clinton] “Dual Airbags”

Why do they call it a bumper if your not going to use it?

Honk if you hate noise pollution!

Instead of concentrating on this bumper sticker, maybe you should be concentrating on the road!

I know…I know…pull over

Friends don’t let friends miss out on heaven.

The Lord made us all different… Democrats want to make us all the same!

It’s easier to child-proof your gun than to bullet-proof your child.

BOMB SQUAD: If you see me running you better cetch up!

SNIPER BAR & GRILL: All you need is one shot!

I used up all my sick days so I called in dead!

Consciousness: that annoying time between naps.

Tennis players have fuzzy balls.

Drop Dead

Fight Socialism…Vote Republican

Blondes Tease….Brunnettes Please….

Squirrel…it’s what’s for dinner.

7 days with out Jesus makes one weak

Mirrors can’t talk. Luckily for you they can’t laugh either.

Suburbia: Where they cut down all the trees and then name streets after them.

Life’s a garden, dig it.

If barbie is so popular, then why do you have to buy her friends?

Everytime you speak you make someone dumber for listening to you.

Eschew Obfuscation

Why am i so thristy when I drank so much last night?

I Was Born Brilliant; Education Ruined Me

Heck is for people that don’t believe in Gosh.

Why do we believe everything we see in newspapers but question what the Bible says?

Look before you open your eyes.

I admire gay men, they leave more women for me!

I can only please one person per day. Today is not your day and tomorrow doesn’t look good either.

I gave up drugs, sex and booze…it was the worst 20 minutes of my life.

Im not tailgating im just tring to keep my bumper on.

Of all the things I’ve lost I miss my mind the most!

Can’t Feed ‘Em! Don’t Breed Em’!

I may be slow; but I’m ahead of you.

Life is not a garden, so quit being a hoe!

Avoid Hangovers; Stay Drunk

It takes more faith to believe that I came from a monkey than to believe that I came from God.

Energizer bunny arrested: Charged with battery

Wanted: Meaningful Overnight Relationship

Adults are just kids with money.

Stress is when you wake up screaming and you realize you haven’t fallen asleep yet.

You are driving to close I can see your bald spot.

You are right where you belong, behind me!

T.G.I.F Thank God I’m Female

I love my country but fear my government.

Love for all, Hatred for none

Most people plan to serve God at 11:00 and die at 10:30!

My other car is a piece of shit.

My boss treats me like a mushroom; He feeds me shit, and keeps me in the dark.

Don’t trust women.

If you can read this the beep fell off.

I wish I lived in New York, so I could have Voted Against Hilary!

Proud mother of a delinquent child!

YES this is my truck, NO I won’t help you move!

Do Vegetarians eat animal crackers?

Someday your prince will come. Mine got lost took a wrong turn and is too stubborn to ask for directions.

You ain’t seen nothin’ yet…

He who angers you, controls you!

God loves everyone, but probably prefers “fruits of the spirit” over “religious nuts!”

God does not call the qualified, He qualifies the called.

Forbidden fruits create many jams.

Do not put a question mark where God put a period.

Coincidence is when God chooses to remain anonymous.

Be ye fishers of men. You catch them – He will clean them.

If you can read this you are too close.

To all you virgins; thanks for nothing!

If your gonna be a turd then go lie out in the yard.

YOU! Out of the gene pool.

I may have PMS, but you’re still a beep!!

High beams were made to piss people off!

Super Bowl is french for…sitting on your as* and getting fat.

If life is just a game then I must have missed the kickoff.

If life’s an idiot then you must the god.

I have BAD PMS and GOOD BRAKES…. you must be feeling very lucky today.

Divers get more tail.

When I married ‘Mr. Right,’ I didn’t know his first name was ‘always.’

If you are reading this you are reading off a gay internet site…

We are having EVER so much fun!

You get all this and my dads loaded.

If you can read this, roll me over.

If your stupid and you know it honk your horn.

BEER, Helping people have sex since 1865.

I hate bumper stickers!

My boss is like a diaper, full of shit and always on my as*!

Confucious say “Man who stands on toilet is high on pot.”

There are two kinds of drivers; those who make dust & those who eat it.

When I die bury me upside down so the world can kiss my as*.

If as*hole could fly this place whould be an airport.

On the other hand…you have different fingers!

If you can read this,you were hooked on phonics once…

Musicians Duet Better

Go Braless! It will pull the wrinkles from your face.

Keep honking, I am reloading!

Never eat more than you can lift.

The solution to a problem changes the nature of the problem.

What you don’t do is always more important than what you do do.

Amnesia used to be my favorite word, but then I forgot it.

Death is God’s way of telling you not to be such a wise guy.

Give your child mental blocks for Christmas.

Never put off till tomorrow what you can avoid all together.

If you are feeling good, don’t worry. You’ll get over it.

Look out! Behind you!

They told me I was gullible…then they took it out of the dictionary.

Your lucky number is 32345543423225. Watch for it everywhere.

Just because you’re paranoid doesn’t mean that they AREN’T after you.

My opinions may have changed, but not the fact that I am right.

Confidence is the feeling you have before you understand the situation.

A nuclear war can ruin your whole day.

To err is human; to forgive is not Company Policy.

Everybody looks brave holding a machine gun.

They keep saying the right person will come along; I think a truck hit mine.

I just love nonverbal communication!

It doesn’t matter what temperature a room is; it’s always room temperature.

You can’t be late until you show up.

Some have morals; some don’t, and most simply ignore them.

For him to get an idea, it would be a surgical process.

This was only a test; if this had been a real emergency, you’d be dead.

I’m not a psychiatrist; I’m just an expert at being confused.

I’m serious; it was a joke.

Life isn’t weird; it’s the people in it.

I know my biology; it’s your biology I don’t know.

Wouldn’t it be nice if there were an Escape key for all of our problems?

Sarcasm helps keep you from telling people what you really think of them.

Reality is a nice place, but I wouldn’t want to live there.

It’s a Macintosh; it’s got an excuse.

I’m only a hypochondriac when I feel sick.

I don’t know, I don’t care, and it doesn’t make any difference.

Why be normal?

Do unto others before they do unto you.

Idiots surround me!

When all else fails, lower your standards.

It’s been Monday all week.

Optimism: Waiting for a ship to come in when you haven’t sent one out.

Was today really necessary?

People who think they know what they’re doing are especially annoying to those of us who do.

Time flies when you don’t know what you’re doing.

Believe in Darwin; cancer cures smoking.

Don’t worry about life; you’re not going to survive it, anyway.

Death is the consequence of being alive.

Just plead the Fifth — or drink it — either way.

Repetition is always better the second time.

Plagiarism is copying from one source; research is copying from two or more.

The light at the end of the tunnel is the headlight of the oncoming train.

In theory, everything works.

Yea, though I walk through the valley of death, I will fear no evil, for I am the meanest son of a beep in the valley.

It’s all a pigment of your hallucination.

Don’t let schooling get in the way of your education.

Change a life; make someone feel important.

Everything is possible just not too probable.

Life is a glitch in the universal program; death is just the programmer’s way of debugging.

In God we trust; all others must pay cash.

If it is a man made world, why can’t we remake it?

If you understand something today, it must be obsolete.

Live fast, die young, and leave a good-looking corpse behind.

Death is life’s way of telling you you’re fired.

Clinton… Changing America

My child beat up your honor student

Driver carries less than $20 IN AMMUNITION

Happiness is Clinton’s face on a milk carton.

Don’t believe everything you hear or anything you say.

Oh well, I guess this is just going to be one of those lifetimes.

LSD melts in your mind, not in your hands.

If everything is coming your way, then you’re in the wrong lane.

Do not believe in miracles – rely on them.

The world is coming to an end. Please log off.

If you think this week was a drag, wait till you see what happens next week!

No matter where you go; you’re there.

Nothing is illegal until you get caught.

Make WAR, not SEX, it’s safer!

Life is just one of those things.

Reality is a figment of your imagination.

Famous last words: What happens if you touch these two wires tog—

Conserve water – Shower with a friend

Don’t drink and park – accidents cause people.

No matter where you go; you’re there.

Overdrawn? But I still have checks left!

Your lucky color has faded.

Life is a terminal disease.

If you didn’t get caught, did you really do it?

Gravity is a myth the Earth sucks.

I have always been crazy, but it kept me from going insane.

If you can’t learn to do it well, learn to enjoy doing it badly.

If you cannot convince them, confuse them.

Abandon the search for Truth; settle for a good fantasy.

You’re not drunk if you can lie on the floor without hanging on.

I’m objective; I object to everything.

If it doesn’t fit, force it; if it breaks, it needed replacement anyway.

Kevorkian for Surgeon General

Pain is inevitable misery is optional.

This vehicle insured by Smith and Wesson.

Mean people suck.

I’m an optimist, but I don’t think it helps.

Horn Broke. Watch For Finger.

Live long enough to be a problem to your kids.

When blondes have more fun, do they know it?

Save a tree, eat a beaver.

Nothing is impossible to the person that doesn’t have to do it.

If it weren’t for people like you, nobody else would have an above average IQ.

When life is bad…keep your head up, that way you don’t see all the shit you’ve stepped in.

This is not an abandoned car.

My child is an honor student at the state penitentiary.

The beatings will continue until employee morale improves.

Honk if you are blond.

Gun control is a steady hand.

I’m so hungry I am farting fresh air.

If you can do the time, you can do the crime.

Ted Kennedy’s car has killed more people than my colt 45.

Buy a gun. Piss off the liberals.

Who died and made YOU Darth Vader?

It’s time to pull over and let the air out of your brain.

Hey man, you live in America now… speak Spanish!

Have you seen Elvis? 1-800-GET-A-LIFE

Honk if I’m Jesus!

I’m only driving this way to piss you off.

Gun control today, Total control tomorrow.

My other car sticker is funny.

Caution: I brake for no apparent reason.

Time Circles: The Lord Creates The Universe Evolves The Lord

Non-Partisan. Non-Republican.

Practice safe government. Use kingdoms.

Yes, in fact…my father does own this road.

Caution: I brake for no apparent reason.

The meek will Internet the world.

Beauty is in the eye of the beer holder…

Be nice to your kids. They’ll choose your nursing home.

We are Microsoft. Resistance Is Futile. You Will Be Assimilated.

Consciousness: that annoying time between naps.

Puritanism: The haunting fear that someone, somewhere may be happy.

Very funny Scotty. Now beam down my clothes.

Lottery: A tax on people who are bad at math.

Always remember you’re unique, just like everyone else.

He who laughs last thinks slowest.

We are born naked, wet and hungry. Then things get worse.

We have enough youth, how about a fountain of SMART?

Give me ambiguity or give me something else.

Warning: Dates in Calendar are closer than they appear.

Forget about World Peace…Visualize Using Your Turn Signal!

Don’t come knocking if the car is rocking.

First the engagement ring, then the wedding ring, and then the suffering…

I’m not as think as you drunk I am.

Reality? That’s where the pizza delivery guy comes from!

A bartender is just a pharmacist with a limited inventory.

Pride is what we have. Vanity is what others have.

Some people are only alive because it’s illegal to kill.

According to my calculations the problem doesn’t exist.

It’s lonely at the top, but you eat better.

Which came first, the woman or the department store?

Time is the best teacher; unfortunately it kills all it’s students!

Tell me to ‘Stuff It’ – I’m a taxidermist.

I don’t suffer from insanity; I enjoy every minute of it!

Few women admit their age few men act it!

If we aren’t supposed to eat animals, why are they made of meat?

Okay, who stopped the payment on my reality check?

When there’s a will, I want to be in it!

I took an IQ test and the results were negative.

Real women don’t have hot flashes they have power surges.

Reality is a crutch for people who can’t handle drugs.

No Radio – Already Stolen

I may be fat, but you’re ugly – I can lose weight!

Wink, I’ll do the rest!

Smile, it’s the second best thing you can do with your lips.

Nobody’s ugly after 2 a.m.!

When you do a good deed, get a receipt, in case heaven is like the IRS.

If you don’t like the news, go out and make some.

Women who seek to be equal to men lack ambition.

I didn’t fight my way to the top of the food chain to be a vegetarian.

Sex is a misdemeanor . . .the more I miss it, the meaner I get!!

Work is for people who don’t know how to fish.

I want to die in my sleep like my grandfather…not screaming and yelling like the passengers in his car….

E. coli Happens

Sometimes I wake up grumpy; Other times I let her sleep!!

I get enough exercise just pushing my luck!

Conserve toilet paper use both sides.

The more people I meet, the more I like my dog.

Cover me. I’m changing lanes.

Clinton… Born Free . . .Taxed to Death

Time is what keeps everything from happening at once.

Change is inevitable, except from a vending machine.

All generalizations are false.

I miss my wife, but my aim is getting better.

It’s not the size of the dog in the fight, but the size of the fight in the dog!

I have PMS and a handgun. Any Questions??

Support a cause stop plate tectonics.

I got this car for my wife…not a bad trade.

God Bless Our Troops

Real Men Love Jesus!

D.A.M.M.- Drunks Against Mad Mothers

Who is General Failure and why is he reading my hard disk?

If you can read this, I am parked.

Laugh and the world laughs with you cry and the world laughs at you.

YOU ARE HERE!

CAUTION: This car will be left behind during rapture.

Don’t let your Meatloaf

I’m not littering…. I’m donating to the earth.

Jesus is coming… Look busy.

Earth first… We will strip the other planets later.

If you don’t like the way I drive, stay off the sidewalk.

If life hands you a lemon, stuff your bra with it.

How’s my driving? Dial 1-800-YOU-SUCK

The more I learn, the less I understand.

I can go from zero to beep in 2.2 seconds.

Have you ever had deja vu? Have you ever had deja vu??

Do not meddle in the affairs of dragons, for you are crunchy and good with ketchup.

The American Dream is a chicken in every pot. Why did we elect a chicken that smoked pot?

Save on gas, go fart in a jar.

My wife said if I watch one more Yankees game she is leaving. God I’ll miss her.

I’m a member of the Redundancy Department of Redundancy. Keep honking I’m reloading.

Jesus saves lives and them redeems them for valuable prizes.

My son can kick your son’s honor student butt.

I left the womb for this

I laughed my butt off and I had a few inches to spare. Thanks!! This was better than any diet I’ve ever been on.

0-60 in 15 minutes!

Don’t laugh it’s paid for.

House guarded by a shotgun 3 nights a week. You guess which?

I’m trying to see things from your point of view, but I can’t stick my head that far up my as*.

Where there’s a will there’s a BEER!

Clean up America. Kill a redneck!

Smile………show off your teeth.

I was an atheist until I realized I was GOD.

Keep America clean…swallow your beer cans.

Impeach President Clinton and her husband too.

Smile and the world smiles with you, Fart and you stand alone.

Only in America can a Vietnam Vet live in a cardboard box on the street and a draft dodger live in the White House.

What part of http://www.getalife.com do you not understand?

The squeaky wheel is often replaced.

If it isn’t broken…fix it until it is!

CAUTION I BRAKE FOR HOOKERS.

I Wish I Was Barbie. That beep has EVERYTHING.

I love cats…they taste just like chicken.

Hang up and drive!

Just say no to sex with pro-lifers.

Honk if you love Rush.

DARE to keep the CIA off drugs.

DARE to keep cops off doughnuts.

If you feel attacked by feminism, it’s probably a counter attack.

Overpopulation… too much of a good thing.

I used to be indecisive, but now I’m not so sure…

Everything Is Somewhere.

Horn Broken…Watch For Finger.

Why did God give beauty queens one more brain cell than horses? So they wouldn’t shit on stage.

I believe the Internet is an information source, not a lifestyle choice.

Minds are like parachutes–they only function when open.

Life may suck, but it beats the alternative.

I’m not really a driver I just play one on TV.

I tried being normal once . . .I didn’t like it.

My karma ran over my dogma.

Blow your nose, your horn works fine.

Study long study wrong.

Just because you’re paranoid doesn’t mean they’re not out to get you.

Save the planet recycle an environmentalist.

It’s not the size of the boat that matters; it’s the motion in the ocean.

The number of people staring at you is directly proportional to the stupidity of your actions.

If you can read this you’re in range.

Your child may be an honor student, but you’re still an idiot.

If you don’t like the way I drive, get off the sidewalk!

I don’t drive fast I fly low

visualize whirled peas

Jesus loves you, but everyone else still thinks you’re an as*hole.

If it’s tourist season, does that mean we can shoot them?

S.A.S.R. – Speeders Against Ski Racks

Please don’t hit me I’m a pedestrian trapped in a car.

Kids in the backseat cause accidents…. accidents in the backseat cause kids.

DANGER: I drive like you do!

If you can read this, THEN GET THE HELL OUT OF MY WAY!!!

I’m wondering if you have any horns with goofy songs?

You have to be really secure to be seen in this car.

If at first you don’t succeed, skydiving ain’t for you.

Suicide is away of telling God, You can’t fire me I quit!!!!!

A clean car is a sign if sick mind.

I may be slow but I’m in front of you.

Front bumper -Run, Hilary, Run!

“It is Mind over Matter… If you ain’t go no mind… It don’t Matter” David Werstiuk

Unless You’re A Hemorrhoid, STAY OFF MY AS*!

I drive like this to piss you off!

Don’t delay, paint today

Life is like a straw it sucks.

Take me drunk I’ m home.

Beam me up Jesus.

Illiterate? Write for free help.

If you can read this, I can slam on my brakes and sue you.

Doctor’s say I have a multiple personality, but we don’t agree with that.

The good thing about small cars is that you can fit twice as many into a traffic jam.

Yesterday I knew nothing today I know that.

Bill Clinton 89% Fact Free

Graduate quickly, millions on welfare depend on you.

Life’s a beep, and then you die.

It could be worse. What if sex was fattening?

Did you just fart or did you always smell that way?

Women are born leaders, LOOK you are following one now!

Don’t Follow me I am LOST!!!

God wants spiritual fruits, not religious nuts.

We are the people our parents warned us about.

So many cats…. So little time.

Listen to the silence!!

Honk if you haven’t slept with Clinton!

Support publik edekasion

Children are like farts: your own are just about tolerable but everyone else’s are horrendous.

To be old and wise you must first be young and stupid.

Don’t f*** with my head and I won’t think with my beep!

Pol-I-Tics poli meaning many, ticks meaning small blood sucking parasites.

“Stupid should hurt!”

If the company’s name is YELLOW, why are the trucks painted ORANGE?

If Clinton is the answer, what was the question?

huked on foniks werkd fer me

Your honor student deals the best drugs.

I am not speeding I am qualifying.

My other ride is your mom

Hey dumb as* I bought my own car, not mommy and daddy!

If you can read this I have lost my caravan.

If we aren’t supposed to eat animals, why are they made out of meat?

My IQ came back negative!

If you write “WASH ME” on my truck, I’ll carve “RECESSITATE ME” on your chest!!!

Most Americans have Faith… You can tell by the Way They Drive

Fat people are hard to kidnap.

The Second Place Is The First Loser

If at first you don’t succeed, try not to look astonished.

The gene pool could use a little chlorine.

Why is ‘abbreviation’ such a long word?

Make it idiot proof and someone will make a better idiot.

Madness takes it’s toll, please have exact change.

Where in the nursery rhyme does say that Humpty Dumpty is an egg?

Don’t laugh; your daughter may be in back.

My other auto is a 9MM.

Life’s expensive; drive defensive.

Be nice society already sucks.

Enjoy life it’s not a dress rehearsal.

Buy a gun support the constitution.

I’ve lowered my expectations to the point where they’ve already been met.

Don’t miss heaven for the world.

You have been a naughty boy, go to my room!

Flies spread disease, keep yours closed!

God made Adam and Eve NOT Adam and Steve.

Condoms are easier to change than diapers!

It took 40 years to make me look this good.

Vegetarian: Indian word for BAD HUNTER!

(Front Bumper) If you can read this, I didn’t hit you hard enough.

More people I meet, more I like my dog….

If we outlaw guns, only outlaws will have guns.

THINK before you ACT.

S.O.B.E.R. – Sick Of Banning Everyone’s Rights

S.C.A.R.Y. (Southern Citizens Advocating the Relocation of Yankees)

Hey idiot- You’re driving a car, not a phone booth

To you it’s a six-pack; to me it’s a support group.

FRIENDS DON`T LET FRIENDS VOTE DEMOCRAT

I just filled up my car with gasoline. Now it’s worth $50.00

DRIVE IT LIKE YOU STOLE IT!

I may be fat, but you’re ugly – at least I can diet.

If you can read this… I’ve lost my trailer!

Support yogurt, it’s the only culture some people have.

If you can’t dazzle them with brilliance, baffle them with bullshit.

It takes a Viking to raze a village.

If it ain’t broke, fix it until it is

Men are like outhouse’s, always taken or full of shit!

If you can read this, I can slam on my brakes and sue you!

He who farts in church sits on his own pew.

Fat chicks make my car scrape!

Rehab is for quitters.

If you’re against logging, try wiping your as* with plastic.

Behind every successful man there is a woman, behind every unsuccessful man there are two.

If you think sex is a pain in the as*, you are doing it the WRONG WAY!!

Why can’t women learn to put the toilet seat back up?

Vote BUSH/CHENEY

I pretend to work they pretend to pay me!

Don’t Drink and Drive!

The road to hell is paved with democrats!

If you think the way to a man’s heart is through his stomach…your aiming too high.

There are only three types of people in this world. Those who can count and those who can’t.

Lord, please save me from your followers.

My other toy has tits.

What, are you stuck on stupid.

I took a pain pill. Why are you still here?

If as*holes could fly, this place would be an airport.

If you can read this sign you must be a Florida Republican.

VIAGRA!!!!!! The Dicker Picker Upper!!!

If you think the car is dirty you should spend a night with the driver!

Always remember you’re unique – just like everyone else.

Time is the best teacher; unfortunately it kills all its students.

When there’s a will I want to be in it!

Friends don’t let friends drive naked!!

Ask me about micro waving cats for fun and profit.

I don’t have to be dead to donate my organ!

I’ve lost my phone number – can I have yours?

Beauty is in the eyes of the beer holder.

If God intended us to be vegetarians, why did he make animals out of meat?

If at first you do succeed, try not to look astonished.

I love animals – they taste great!

If something goes without saying – LET IT!

Anyone can give up smoking, but it takes a real man to face cancer.

So you’re a feminist – isn’t that cute!

You’re just jealous because the voices only talk to ME.

If ignorance is bliss, you must be orgasmic.

If you smoke after s e x you’re doing it too fast.

FLORIDA: Home of Electile Dysfunction

FLORIDA: Where your vote counts and counts and counts.

FLORIDA: We count more than you do.

FLORIDA: Relax, Retire, And Revote.

FLORIDA: If you don’t like the way we vote then take I-95 and visit one of the other 56 states.

FLORIDA: If you think we can’t vote, wait till you see us drive.

FLORIDA: We’re number one! Wait! Recount!

HONK IF YOU LOVE GORE (use the button on your steering wheel)

I owe, I owe, so it’s off to work I go.

“I should never have invented the electoral college.” -Al Gore

Life is a lesson you’ll learn it when you’re through.

Every thing is on loan from the government until you can’t pay your taxes.

Impotence is God’s way of saying “No hard feelings.”

My child was inmate of the month at the County Jail.

Who’s Your Daddy?

Housework makes women ugly.

Remember you’re unique, just like everyone else.

Are you following Jesus this close?

Men are proof that women have a sense of humor.

I wish I were a glow worm a glow worm is never glum, because how could you be unhappy when the sun shines out your bum?

Stupidity should be punished.

God gave man a brain and a penis and only enough blood to operate one at a time.

Have you beep slapped an environmentalist today?

Fakov & Dai: Attorneys at Law

All my drinking buddies have a racing problem.

Boycott shampoo, demand real poo instead.

Your village called, their idiot is missing.

Honk if you love boy bands – then drive into a tree.

I would give my right arm to be ambidextrous.

Turn Signals: Not just for smart people anymore.

I wonder if you would drive well if that cell phone were up your as*.

Every silver lining has a cloud.

The early bird gets the worm, but the second mouse gets the cheese.

Scixelsyd Etinu (backward)

Can I pay my Visa with my MasterCard?

Man made beer, God made pot you make the choice.

The horn blows does the driver!

Don’t steal the government hates competition.

A church alive is worth the surprise!!

Beer: making woman look better since 1965.

How can I miss you if you won’t go away?

No glove no love.

Men are like roses, watch out for all of the pricks.

DETEST-de stuff de teacher gives de students when ya expect it de least!!!

I am represented by the Law Firm of Dewey, Chedum, and Howe.

Dewey,Skrewem, & Howe (attorneys at law)

Jerry’s dead, Phish sucks, get a job.

I’m against ABORTION because I was once a fetus.

Against ABORTION, don’t have one.

RECYCLE YOUR ANIMALS

Hard work has a future payoff. Laziness pays off NOW!!!

Democrats=Beaureaucrats: STUPID

No prohibiting allowed!

Nuke the unborn gay whales.

I’ve been dieting for the past month, but all I lost was 31 days!!

Who put a stop payment on my reality check?

Blessed are they who can laugh at themselves, for they shall never cease to be amused.

Stop Reading My Bumper Stickers and DRIVE!!

For a small town, this one sure has a lot of as*holes!

AMERICA-Love It Or Leave It!

Learn from your parent’s mistakes use birth control!

I am overjoyed with whelm!

Laughter, cries and all that is wise…

You just lived your best moment, now GO live another!

Without pain and suffering you have no choice!

Categories: Articles, Bike, Car

Cars & Bikes to be launched in 2008

4 January 2008 Steve 1 comment

Compact cars

Skoda Fabia
Chevrolet spark variant
Chevrolet new Aveo U-VA
Maruti Suzuki swift sedan
Maruti Suzuki splash
Another small car from Maruti suzuki
Hyundai i20
Hyundai i10 CRDe
Hyundai i10 automatic
Tata 1 lakh car ‘jeh’
Tata Indica V3
Tata indica hybrid
Tata Indigo compact
Honda new jazz
Renault sandero
Fiat grande punto
Fiat palio diesel
 

Entry level sedans

Maruti Suzuki SX4 diesel
Fiat linea
Honda new city
Toyota new corolla
Volkswagen Jetta
Mitsubishi – Hindustan new lancer(galant)
Hyundai’s new elantra

SUVs

Tata sumo phoenix
Mahindra Ingenio
Renault Logan MCV
Tata TL-Sprint/Xenon

D segment sedans

Honda’s new accord
Honda civic Hybrid
Skoda new laura RS
Skoda new superb

Luxury SUVs

Nissan new X-Trail
Chevrolet Captiva
Hyundai santa fe
Mitsubishi – Hindustan Outlander
Mahindra Scorpio automatic(atleast in america)
Mahindra Scorpio hybrid(atleast in america)
Honda CR-V with new 2.0L engine

Luxury sedans

Audi A4
Mercedes new C class
Alfa Romeo 159

beyond the wallet

BMW M3
BMW M5
BMW M6
BMW X6
Prosche cayenne GTS
Porsche 911 new GT2

LPG/CNG powered

Hyundai Santro LPG
Tata Indica LPG
Toyota Innova
Toyota Corolla

New refreshed/upgraded variants of

Chevrolet Tavera
Toyota Innova

Skoda Octavia

Bikes & scooters

automatic scooters from

Yamaha
Kinetic
Xenitis
Honda

110cc

TVS Star city

125cc from


Sporty shine

150cc bike from

Suzuki
Honda
Xenitis

Royal Enfield

Thunderbird Twinspark

Path-breakers

ABS equipped two wheeler from TVS
CNG two wheeler from TVS
TVS Scooty hybrid

Categories: Bike, Car

India’s 10 Great Bikes

24 December 2007 Steve Leave a comment

1. ROYAL ENFIELD STANDARD
2. YAMAHA RD 350
3. YAMAHA RX 100
4. SUZUKI SHOGUN
5. HERO HONDA CD 100
6. HERO HONDA CBZ
7. BAJAJ PULSAR
8. HERO HONDA KARIZMA
9. HONDA UNICORN
10. YAMAHA GLADIATOR

Categories: Bike, Facts

150cc challenge – Hunk Vs Unicorn Vs X-treme Vs Pulsar Vs apache RTR

17 December 2007 Steve 45 comments

Battle b/n the beasts:

In 2007 alone two new premium bikes have been launched. As competition becomes tougher its hard to find the right products suits for you and more than introspection,comparison shows the true colour. We here compare all the 150cc bikes and dig out the pros and cons of the products. TVS apache RTR 160 included in the ‘battle b/n the beasts’ because of competetive price. Let’s watch the battle!

Design and Styling:

Whether its pulsar or unicorn or X treme or apache rtr or hunk every bike is either evolutionary or revolutionary in design dept. The black theme, aircraft type fuel lid and alloy wheels have become universal and it now features on all bikes. Though the basic design is not altered, pulsar has metmarphosed into a new bike with constant upgradation. Bajaj’s keen care makes the pulsar even to match the new generaton bike like apache rtr. But too much of pulsars in the road has started developing fatigue. Honda has always been conserative. Though unicorn styling is evergreen it cannot conceal the age. Also lack of contemporary features like LED tail lamps,digital speedo and gas charged suspension makes the unicorn outdated. Xtreme’s face(headlamp) inspired from unicorn fails to charm though it has sexiest back of all the bikes. Large LED taillamps, bulleted silencer mouth and horns like supportive split grab rails scores the credit. Racy design with neccessary racing stripes, chiseled tank, stylish engine cowl, petal type disc brake and leaf shaped rear view mirrors makes the RTR one of the best looker. Hero Honda finds a space even in this crowd. The recently launched Hunk blends the design of cruiser and racy. Red dial, analog clock setup adds extra charm to the Hunk’s macho look. Though Hunk has not achieved the best of both worlds it scores a lot. Of these bikes, Apache RTR, Hero Honda Hunk, CBZ X-Treme targets a niche market within the 150cc segment. Honda’s unicorn lures the conservative man. Pulsar 150cc which attracted the youth when it launched, now turns into a family bike.

Engine and Transmission:

This must be easiest section to decide, since three of the competetiors – Hero Honda’s Hunk,CBZ X-Treme and Honda’s unicorn shares the same engine. Unicorn’s 149.2cc was the least power producer yet it scores full points for its refinement. Unicorn’s engine develops 13.3bhp at 8000rpm and 12.75Nm of 6500rpm. Hero Honda offers the same engine with little more power(0.8bhp) for both the Hunk and the CBZ X-treme. Pulsar 150cc engine is one of the best engine made by the bajaj. The twin spark 149cc engine produces 14bhp at 8500rpm.

TVS apache rtr is powered by an 160cc engine which produces 15.2bhp at 8500 rpm and 13.1Nm at 6000 rpm. Clearly, Apache RTR is the best among the traits in terms of performance. Apache RTR has higher power to weight ratio 111.7bhp/ton.Apachian can push the redline even upto 12000rpm. The extra 10cc plays a main role for the RTR and it is the only bike in the segement capable of breaching the 110kmph mark with appreciable control. All the bikes in the 150cc segment breathes through CV carburettor, in India, Fuel Injection (FI) is yet to make a wave. All the bikes Pulsar, Unicorn,CBZ Xtreme,apache RTR and Hunk features 5-speed (1-down 4-up pattern) gearbox. Their way of functioning and design varies. Apache RTR, Hero Honda Hunk and CBZ Xtreme targets young customers and hence gear shifting is through toe levers. In Unicorn and Pulsar 150cc it is through heel and toe levers.

Fuel Efficiency/mileage:

While the Honda’s engineering makes the mill frugal for the Bajaj its twin spark technology and exhausTEC do the difference. Both the Bajaj Pulsar 150cc and Honda’s Unicorn consumes 1 litre to returns around 55kmpl in our combined city and highway drive. Hero Honda Hunk’s 150cc engine is integrated with advance tumble flow induction (ATFI) technology. This kind of induction helps the motor to burn the fuel more efficiently. Hence the Hunk has little edge over its sibling CBZ X-treme but only by a small margin(1-2kms). Hunk returns 51kmpl in our test drive. TVS apache RTR which topped the performance bar flips in the mileage dept as expected. It gives a mileage of 48kmpl.

Ride and Handling:

Power and Torque coming from the mill has to be put on the road intelligently. Considering the Indian infrastructure it is must for Indian bikes to have superior handling characteristics. Few years back Honda surprised everyone with its monoshock suspension,its light steering and single downtube frame with engine as a stressed member. The bike gives a planted feedback to riders. Though Honda’s commuter type seating offers good comfort to the riders, it hampers the Honda in scoring full points in handling section. Unicorn’s biggest loss is the CBZ X-treme’s biggest gain. X-Treme’s sporty riding position with raised footpegs and its diamond type frame helps to negotiate turns and quick directional changes. But X-treme become cumbersome to handle at low speeds espescially when you have to incredible turns in the traffic signal. Xtreme’s 240mm disc brakes offers the neccessary bite when you need it. Pulsar 150cc which rides on 17″ inch tyres is showing its age.But pulsar’s sharp braking makes the pulsar fit for the competition. TVS has equipped the apache RTR with everything to be jesse owen. Yes, it is the most athletic in the segment. Want to flick! apache RTR’s clip on handle bar, shorter wheelbase and lower saddle height will help you like anything. RTR uses different sets of tyres at the front and the rear(17″-front and 18″-rear), this setup really makes the difference for the RTR’s road stance. 270mm petal disc brake holds the bike at the press of the brake lever. Hero Honda’s new hunk inherits most character of the CBZ X-treme but the heaviest bike in the class along with the large claddings tends to intimidate while taking sharp turns.

Recently launched Hunk is the first one to feature Gas charged suspension from Hero Honda’s stable. TVS has been using Rectangular arm suspesion for a long time, other such as Pulsar and Hunk adopts it. Other than Honda’s unicorn and Hero Honda’s CBZ Xtreme, all the bikes in the segment features Gas charged suspension. Unicorn’s 3 way adjustable monoshock and CBZ Xtreme’s ride is on a stiffer side. Both the bikes transfers the vibration to the pillion. TVS MIG(Monotube Inverted Gas filled) offers better ride. Bajaj pulsar 5 way adjustable suspension set up is one of the softest. Hunk’s comfortable seating (with extra lumber support) and GRS makes it easily the winner in the ride quality. 145kg beast controls the vibration and rarely transmits. All these bikes except unicorn have handle bar weights to cushion your hands by reducing the handle bar vibration. But i have seen many of the bikers to remove the weights since it tends to hit while negotiating sharp turns.

Engineering and the goodies…

All these bike have trip meter,standard warning lamps and an analog tachometer in common. While Honda bets on quality, bajaj packs its bike with user friandly features to sell its bikes. Pulsar 150cc is the first bike to feature digital instrumentation and LED tail lights. Pulsar’s instrument panel is neatly laid out. Cable free speedometer is an another useful feature in the pulsar 150cc. TVS followed the bajaj’s way apahe RTR comes with LCD speedo analog tacho and LED tail lamp cluster. Apache RTR’s useful features includes service and battery indicators. The clip on handlebar which facilates varying the handle bar position is a must feature to be in all bikes.While the Xtreme features twin pod instrument, hunk and unicorn features hooded tripod arrangement.

Verdict:

No confusion here! the winners of this test are every bike enthusiast who pushed these makers to come out with bikes of international standard. Though indian market far from being compared to any western market. Our bike standards are growing day-by-day. Though R1 and Hayabusa are not made in india. Apache’s and Xtreme’s feature equally competetive design.

Coming back to our “battle b/n the beasts”, Bajaj pulsar 150cc and Honda Unicorn are already proven winners. Comfort factor and fuel efficiency of both the pulsar and unicorn are unquestionable and still the best in the category. But as new generation bikes like apache RTR, CBZ X-treme and Hunk are ready to take the customers to a new range of excitement, Pulsar and unicorn tends to give way to newbies. RTR’s robust performance, Hunk’s muscular styling and CBZ Xtreme’s exceptional handling characteristics cannot escape from the eyes of bike lovers. CBZ X-treme lacks contemporary styling and its stiffer ride quality leaves the race in the penuultimate lap. Also X treme is too pricey. Hero Honda has set right few of the short comings of CBZ X-treme at the same time inheriting the best of it. Hunks blends cruiser and racy theme nicely.Lack of powerful engine and absence of modern (yet practical) features makes the wrestler to lose against the athelete. Apache RTR with high performance engine, upswept styling and host of features rocks the 150cc class. The dearer price point also adds more value to the RTR.though it can improve its quality ad tweak its gearbox.

The crown for 150cc kingdom has been most voltaile and with the apache RTR FI, Yamaha’s and Suzuki’s 150cc bike are around the corners, i’m sure that a new(complete) set of bikes will be compared when we do it again in 2008.

Colour matters:

Whatever the bike you choose (depends on your indivual needs), colour matters most. Yellow matters most for the apache RTR. Bajaj Pulsar 150cc sells hot in classic black. Unicorn excels in red and Xtreme catches the eye in silver. Hunk becomes bull in black. Again this is subject to differ.

Categories: Bike

Check list before a road trip

3 December 2007 Steve 2 comments

Are you planning to take your car for a long drive (long drive – at least a minimum of 100 KMS). He are few tips, do and don’t which could help you for safer and refreshing long drive.

Tips:

Get your car serviced before a long drive, Why?
You don’t know what are the wear out parts your car currently has.
Do have a checklist prepared before you take a long drive.

Checklist:

  1. Brake oil fully topped up to level indicated
  2. Radiator coolant fully topped up to the level indicated
  3. Window wiper water fully topped up (they are life saver when it is raining)
  4. Have NEWS papers (minimum of last 3 days or so) – when the window wiper water gets emptied, they help you to clean the glass spotless
  5. BUY tobacco packets if you forget to take the NEWS papers.
  6. Fill up your fuel tank. Try filling it up in the evening, people say that the density of petrol/diesel is more towards the evening (might be a myth, but I fill it up in the evening)
  7. Have spare head lamps, check whether the same are working currently
  8. Caution: - Fill the prescribed air pressure in your tires. The more the air pressure (+”2 - 5″ points) the more your save on your fuel but the worst thing is that, the ride gets bumpy, you could get your shock absorbers in trouble. As you ride the air pressure in your tires increases gradually. Unless or Until you are not sure about the roads you travel, please have the prescribed air pressure for your tires.
  9. Have road maps. You can get them at HigginBothams, LandMark or other book stores

Do’s:

  1. Carry sufficient amount of water (I meant H20 ;) ) for all the passengers, little more is always good, little less of H20. You could get yourself dehydrated.
  2. Load your car with citrus fruits, avoid oily,fried stuffs. Have soft drinks to substitute glucose. They help you to recharge.
  3. Take short breaks, driver needs to exercise and move around to avoid fatigue. Stick to your timings of short breaks
  4. Lunch/Dinner- For drivers I would say ample is enough, too much he could be in trouble.
  5. Turn on your Car A/C and keep the A/C level low in order to save fuel.
    1. A/C help your car clean
    2. When at high speeds, wind drag on your car is less when your window is raised
       

Don’ts:

  1. Never booze when you drive. They don’t get along with each other. (at least the driver shouldn’t drink)
  2. Never overtake a transport corporation bus, they are always rude, they won’t give you way.
  3. Most Lorries travel at the right corner of the road with a steady speed, If you are confident to overtake, give him a buzz so as to alert him
  4. Caution: When overtaking, if your car doesn’t have enough power to complete the overtaking, please switch of your A/C. Don’t be a split personality, just avoid overtaking unless or until it is completely safe.
  5. Caution: If you are driving down the hill, Zipping from 0-100 KMPH and having your gear at neutral can invite trouble, your brakes won’t work expected. You need to be on the lower gear for your car to be in control. Mostly have your gears to 3rd or 4th depending on the steep decline you are making. Driving down the hill is a thrill, but be careful.
  6. Caution: Are you about to travel uphill, take care to top up your engine radiator coolant. And the same for your brake fluid. Don’t strain your engine by shifting to higher gears, cut them to lower ones to save the engine than the fuel.

Before you start to drive, check all the items in your checklist is checked. Check the brakes are working. Turn on your car A/C, now turn on the music to hard or soft rock or tune to your favorite FM, keep the volume low, they help you hear other sounds on the road. My serious advice would be travel during the day and not in the night. “Flashy lights and no one to help you out when you need directions) Start  early, but not too late, enquire with people who have already traveled and learn for the directions.

Happy traveling, have a safe road trip.

Categories: Bike, Car

Hero Honda HUNK

17 October 2007 Steve 28 comments

New bike from Hero Honda named as Hunk.

Categories: Bike

Night Driving

17 October 2007 Steve Leave a comment

According to a survey, death rate due to accident fatalities at night is three times more than that in the day.

There are many hazards associated with driving at night and most of us don’t know of ways to deal with them. The primary reason why night driving is so dangerous is darkness. Ninety percent of a driver’s reaction depends on vision which is severely limited at night.

Depth perception, color recognition, and peripheral vision are compromised after sundown. The more your age, the lesser is your viewing capability at night. A 50-year-old driver may need twice as much light to see as well as a 30-year old.

Fatigue is another major contributor towards danger when driving at night. Weariness slows the reaction time and lowers the concentration level.

Alcohol plays a leading role in fatal traffic crashes, causing about half of all motor vehicle-related deaths. That makes weekend nights more dangerous. More fatal crashes take place on weekend nights than at any other time in the week. So please, no matter how clichèd, DO NOT DRINK AND DRIVE.
There are a number of things that one can put into use to minimize the dangers of driving after-dark
 

Clean the headlights, taillights, signal lights and windows (inside and out) regularly.
Have your headlights properly aligned. Ill-aligned light beam blind other drivers and reduce your ability to see the road.
Alcohol severely impairs your driving ability. It also acts as a depressant. Just one drink can induce fatigue.
Avoid smoking when you drive. Nicotine and carbon monoxide hinder night vision
Being seen is as important as seeing. Do throw the main beam whenever under doubt about something on the road. This might hamper your visibility but the oncoming traffic will be able to see you clearly.
Increase your ‘trailing’ distance when following a vehicle since it is difficult to judge a vehicle&rsquo s speed and distance at night.
When following a vehicle, make sure that you do not use high beam as it can blind the driver in the front.
If the oncoming traffic does not lower its beam then to avoid glare, watch the edge of the road and use it as a steering guide.
Stop regularly and treat yourself to light snacks and energy drinks to maintain the concentration levels. Also do some stretching exercises to flex your body muscles.
Twilight is one of the most difficult times to drive because your eyes are constantly adjusting to the changing and dying intensity of light which ultimately results in darkness. Practice utmost caution while driving during this period.
 

Categories: Bike, Car

How to save fuel

17 October 2007 Steve Leave a comment

How to save more fuel at car drivingThe key to low fuel consumption: Understanding all the physics applicably for car driving.

Wheel bearings defect

Imagine Your car’s front wheel bearings are defect. You hear a noise at low speed. The noise becomes louder and louder at higher speeds. When You reach 100 km/h, You think they will be irrevocably defect in the next seconds. You go behind a big transporter driving 90..100 km/h and enjoy the next tank stop. You can go in 15m distance into the wind shadow of a big truck. This is no safety problem, because big trucks have less deceleration than small cars.

The holes in the engine’s exhaust

Imagine You have some big holes in Your car’s engine’s exhaust. Your car is very loud when You drive in a common style. Imagine there is a city with a policeman every 50m. Every policeman will stop You for noisiness or for driving to slow. You have to be as fast as the other traffic, but be aware, You have also to be silent despite the holes.

When You are able to drive with the holes between all the policeman without trouble, Your car will consume 25% less than DIN norm for city traffic.

Clarification: the holes in the exhaust have nothing to do with the low fuel usage. They forced me only to change my driving style, because a normal driving style is terrible loud with this technical defect. I switched to the next gear at 1500 turns per minute. I tried to roll with as less changes of speed as possible. You can see the surprising results at my Renault Espace fuel statistic in winter 1995 to 1996.

Simulate Your driving style in the staircase

A major factor in energy usage at city traffic is speed change. You can simulate this factor in the staircase of a 14 floor high building. Let’s assume 250 cm high rooms and 30 cm thick floors. You see on the left to each floor a speed equivalent.

A green green traffic light 300 m ahead. It is unknown at what time the light will change to red. Your current speed is 53 (floor 4)

  • The real tilt turbo Porsche driver: accelerates to 99 (floor 14)
  • Standard driver: continues with same speed
  • Fuel economize driver: continues with same speed

The light changes after 5 seconds to red.

  • The real tilt turbo Porsche driver: brakes to 0 (floor 0). He waits for the green light and accelerates again to 53 (floor 4) and wails all the time about the slow cars in front of him.

Equivalent for all speed changes is 18 floors up.

  • The standard driver: continues with same speed. He comes to early and he has to break and accelerate again to 53.

Equivalent for all speed changes is 4 floors up.

  • Fuel economic driver: let it roll. The car becomes slower and slower. He comes with 37 (floor 2) to the green light. He accelerates again to 53.
    Equivalent for all speed changes is 2 floors up.

More Fuel-Saving Tips

  • Do not use the clutch too much.
  • Switch the vehicle off at red light stops.
  • Drive in gear corresponding to the speed.
  • Get your vehicle serviced regularly.
  • A poorly tuned engine can increase fuel consumption by up to 50%
  • Driving at 90 kilometers an hour rather than 100 can reduce fuel consumption by 10%
  • Under inflated tires can increase fuel consumption by 5%
  • A loaded roof rack will increase fuel consumption by as much as 5% in highway driving.
  • Even an empty roof rack can increase consumption by 1%. If the carrier is not attached to the vehicle, remove it when not in use.
  • Avoid “Jack Rabbit” starts, not only do they increase fuel consumption, but are hard on your tires.
  • Anticipating stops and avoiding abrupt stops will decrease fuel consumption and increase the life of your brakes and tires.
  • Avoid unnecessary steering wheel movement since each sideward movement of the tire causes fuel-consuming drag.
  • Maintain a steady speed.
  • Accelerate slowly on gravel or slippery roads.
  • Avoid unnecessary braking.
  • Reviving the engine just before turning off the ignition costs extra fuel and may cause engine damage.
  • Take advantage of rolling resistance rather than heavy braking to help slow you down. This deceleration technique is one of the best for fuel saving.
  • Avoid using the air conditioner at lower speeds.
  • Changing spark plugs regularly can save a lot.
Categories: Bike, Car

Car/Bike Insurance

15 October 2007 Steve 1 comment

Is motor car insurance compulsory in India?

Under the provisions of Motor Vehicles Act all the vehicles which are plying in public places shall have at insurance policy at least to cover third party liability as specified under the Act.

What type of policies are available for motor vehicles?

There are two types of policies available for motor vehicles – third party insurance -policy A and comprehensive insurance policy- policy B.

What is the difference between these two policies?

Third party insurance policy covers only the inter-alia liability of the vehicle owner for loss or damage to life or property of the third parties whereas comprehensive insurance policy covers in addition to third party liability, loss or damage to the vehicle itself byway of accident, theft, etc and specified perils.

Whether the insurance premiums are same or different amongst four Indian companies?

The premium rates for motor vehicle insurance in India are governed by Tariffs which is same for all the companies operating in India.

For what value the car is to be insured – Depreciated value or reinstatement value?

The car is neither to be insured for reinstatement value nor for depreciated value. It is to be insured for second-hand value in the local market for a similar type of car for a similar model. In the event of loss, the liability of insurance company is the maximum compared to the market value or the amount of insurance whichever is less.

What factors influence the premium for a car insurance?

The cubic capacity, use of car, normal area of operation and the value of car proposed for insurance decide the premium payable and also various extensions opted for.

How much would the insurance company pay in the event of an accident?

In case of an accident, the insurance company pays for cost of damaged parts which are replace and the labour cost to repair the vehicle. As per the revised regulations, depreciation is not deducted from the cost of the parts except for the tyres and tubes for which 50 percent depreciation is deducted.

What is Bonus/ Malus system?

In case of any accident occurring in a year for which a claim is lodged on insurance company, in the very next year, the insurance company loads the premium by way of charging a malus- a percentage of extra premium. Whereas when there is no claim lodged during the year the insurance company grants a discount in the premium by way of bonus.

What are the minimum/ maximum percentages of the Bonus/Malus?

The minimum Bonus is 20 percent, maximum is 65 percent whereas minimum Malus is 105 percent and maximum is 50 percent.

On sale and transfer of vehicle, what happens to the Bonus/Malus?

The Bonus/Malus goes with the original owner since he can claim bonus on his next purchased vehicle. However the purchaser enjoys the bonus under seller’s policy till the renewal date. On date of renewal, the bonus/malus has to start afresh.

What is voluntary excess?

Voluntary excess is client’s option to opt for bearing a certain amount of loss from every claim. For this option, insurance company allows a discount in premium.
How is voluntary excess different from compulsory excess?

In case of voluntary excess, it is the client’s option for which he gets discount in premium whereas compulsory excess is imposed by the insurance company in addition to Malus to take care of a bad claim experience for a particular car. For compulsory excess, no discount in the premium is allowed.

What are the categories of vehicles that are covered by a Motor Insurance Policy?

For the purpose of insurance, motor vehicles are divided into three classes:

Private cars:
This category comprises of cars, including station wagons, used for social, domestic, business or professional purposes (excluding those used for the carriage of goods other than samples)

Motor Cycles: This includes motorcycles with or without sidecars, pedal cycles, mechanically assisted pedal cycles and motor scooters with or without sidecars

Commercial Vehicles: All vehicles excluding private cars, motor cycles and vehicles running on rails come under this category

What are the different types of covers that are granted under Motor Insurance?

There are two types of insurance cover for each class of vehicles:

“A” Policy:

This covers the insured’s liability to third parties for death and bodily injury caused by an accident involving the motor vehicle. This refers to the minimum risks that are to be covered under the Motor Vehicles Act 1938 (Act Liability).

“B” Policy:

Is wider in scope and covers not only accidental damage to the insured’s own vehicle, but also liability to third parties for bodily injury and / or property damage caused as a result of an accident involving the insured vehicles (Own Damage Losses and Act Liability). The policy can also be extended to cover additional liabilities (as provided in the Tariff)

What briefly is the risk covered under the Own Damage Policy?

The insurance company will indemnify the insured persons against loss or damage caused to the insured vehicle by any of the following:

fire, explosion, self ignition or lightning
burglary, housebreaking or theft
riot and strike
earthquake (fire and shock damage)
flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost,
accidental external means
malicious act
while in transit by road, rail, inland waterway, lift, elevator or air
land or rockslide

NOTE: The basic rate for premium calculation is a comprehensive rate covering all the above-mentioned risks. If you do not want a cover for earthquake (for instance if you don’t live in an earthquake prone area), flood and / or riot and strike, you would be given a discount of 0.10 percent of “Insured’s Estimated Value” for exclusion of earthquake and 0.15 percent of the same for exclusion of flood and for riot and strike respectively.

What are the risks covered under Third Party Policy ?

The insurance company covers any amount which is legally required to be paid by the insured person, to third parties on account of their death, bodily injury or damage to their property arising out of the use of the insured car. The insurance company also indemnifies the legal costs and expenses incurred by the claimant, if the insured becomes legally liable to pay them.

The insurance company will further indemnify any legal liability payable by the insured to the occupants in the car (insured vehicle) provided they are not carried for hire or reward and are not employees / family members of insured. The indemnity under this policy is available to any driver who is driving the car if he has been permitted to do so by the insured and provided such driver does not have any other similar cover.

What extension of cover can be obtained with regard to private car?

The following are the prominent extra risks that can be covered in addition to the standard cover:

Personal accident of insured, spouse and unnamed passengers
Legal liability of the employees of the insured
Wider Legal Liability to Drivers
How is the premium charged under motor insurance ?

The premium in a Motor Insurance Policy is regulated by the India Motor Tariffs, operating in the Madras, Bombay, Delhi and Calcutta Regions. For private cars, the rating considerations are:

Cubic Capacity of the Insured Vehicle
Insured’s estimate of the full value of the vehicle and zone in which the vehicle operates (The premium will also vary depending on whether an ‘A Policy’ or a ‘B Policy’ is purchased)

What are the circumstances under which discounts are offered in premium ?

The following are the significant circumstances under which a discount is offered on the amount of premium to be paid:

Where the insured is prepared to bear a fixed amount in respect of every claim for damages to the vehicle
A discount commonly referred to as bonus is allowed on the premium when no claims are made against the policy during the relevant previous year

Note:
Loading called malus is otherwise charged on the premium if the insured has made a claim during the relevant previous year

A 5 percent discount is allowed if the insured is a member of a recognised Automobile Association (the amount of discount will not exceed Rs.100/- for private cars)

What is the significance of a certificate of Insurance?

The Certificate of Insurance issued by the insurers in relation to every vehicle is the only evidence acceptable to the police authorities to show that valid insurance exists. This document has to be produced when demanded by an authorised police officer.
The Certificate of Insurance cannot be backdated. Hence, if a Policy is not renewed on or before the expiry date, the Certificate of Insurance in respect of new Insurance will be effective only from the date of New Insurance. For every renewal, a fresh certificate must be obtained. If there is any alternation in the risk during the currency of the insurance, the old certificate should be surrendered and a fresh one to be obtained. Duplicate Certificate in lieu of defaced, mutilated or lost certificates can be obtained on payment of prescribed fee and after production of an affidavit to that effect.

What is expected of the insured in the event of an accident involving damage to the vehicle and/or injury to third party ?

Damage to the Vehicle:

When an accident takes place, a report should be immediately filed with the insurance company and a set of claim forms submitted to them. An estimate for repairs and/or replacements has also to be prepared and submitted. The insurance company may then appoint an independent Surveyor who will also value the damage and hold discussions with the repairers and arrive at the amount at which the claim will be settled.

On completion of the survey, the repair work can be undertaken. When the relevant bills are produced, settlement will be made under the Policy. The claim amount may be paid either directly to the repairer or to the Insured if the latter has already made payment to the repairer and holds proof of the same.

In case of settlement of claim either for total loss of the vehicle or for replacement of certain items, such damaged vehicle or parts belong to the insurance company. They may arrange for disposal of the same in the best manner possible.

Death or Injury to Third Party:

The moment an accident takes place and a third party is involved, a report should be immediately filed with the police. Simultaneously, notice should be sent to the Insurance Company.

No settlement should be made with the third parties for any compensation to the latter and no commitment should be entered into with regard to the Insured’s liability with the third parties.

All dealings with the third parties will be only with the knowledge and approval of the Insurance Company. Any claim from third parties will have to be suitably defended in consultation with the Insurance company and expenses for such defence will be payable by the insurance company if incurred with their consent.

Can Motor Insurance Policies be taken for a shorter term than the normal period of one year?

Motor Insurance Policies are normally taken for a period of one year. However, according to the requirements of the vehicle owner, a policy for a shorter term can be issued.

Situations do arise when a person plans to sell off his vehicle within a couple of months and he does not intend to renew his policy for another year. In such circumstances, he may go for a shorter period of cover. Short period insurance attracts Short Period Scale for calculating premium and obviously comes out costlier than the pro rata for the said period.

Short Period Scale

Period Not Exceeding Rate
1 week 10 percent of annual rate
1 month 25 percent of annual rate
2 months 35 percent of annual rate
3 months 50 percent of annual rate
4 months 60 percent of annual rate
6 months 75 percent of annual rate
8 months 85 percent of annual rate
Exceeding 8 months Full Annual Premium

Can Motor Policies be issued for a longer term than a year?

No policy can be issued for a period of more than one year ordinarily. However, for motor cycles and scooters only, the Act Policy in Form A, which is the minimum compulsory insurance required by law, may be issued on a long term basis. Such policies once issued remain valid up to the cancellation of the registration of the vehicle by the Regional Transport Authority (R T A).

This insurance is particularly useful for owners of comparatively older vehicles, for whom the Comprehensive Cover becomes a little too expensive considering the age and market value of the vehicle. The premium for such insurance is charged in accordance with the Long Term Act Policy Premium Schedule.

Long Term Act Policy Premium Schedule For Two-Wheelers Only

Age of Vehicle Below 250 cc Above 250 cc
New up to One Year 1103 1380
Between 1 to 2 Years 1060 1326
Between 2 & 3 Years 1012 1267
Between 3 & 4 Years 961 1202
Between 4 & 5 Years 908 1134
Between 5 & 6 Years 868 1063
Between 6 & 7 Years 789 987
Between 7 & 8 Years 724 905
Between 8 & 9 Years 653 817
Between 9 & 10 Years 577 721
Over 10 Years 498 622

Categories: Bike, Car