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Cheap Car Insurance
Grab 100+ insurance quotes & cashback
Tony and Rebecca | Edited by Johanna
Updated September 2018
Car insurance costs may have dropped slightly in the past year, but many are still overpaying by �100s. Now's an ideal time to check out our key tricks, including never auto-renewing and how hitting the sweet spot can bag the cheapest policy.
This guide explains the basics of car insurance, what to watch out for and reveals how you can slash the cost of cover in six easy steps. If you're under 25, check our Young Drivers' Insurance guide for more.
In this guide
- Car insurance: The basics
- 12 ways to cut car insurance costs incl...
- Step 1: The top comparison sites
Car insurance: The basics
At its most simple, car insurance covers you if your car is stolen or involved in a road accident. It also protects other road users if you cause damage to their vehicle or property.
The cost of insurance � your premium � is based on how much of a risk insurers perceive you to be. For example, if you are a youngster ready to hit the highway after just passing your test, or you have had more than a prang or two, you will pay more.
However, if you can prove you are not a risk by keeping accident-free and storing your car safely, you will pay much less.
How does car insurance work?
Excesses: What are they and how do they impact claims?
Not to be confused with living the high life during the festive period or a long afternoon at the local all-you-can-eat buffet, an excess � in the insurance sense � is the amount you pay towards any claims you make.
For example, if your excess is �250 and you have an accident that causes �1,000 worth of damage to your vehicle, you will pay �250 and the insurer will stump up the rest.
Be careful when deciding your excess. The larger the excess the cheaper the premium, but a large excess may leave you out of pocket if you need to claim.
Third party, 'third party, fire and theft' and comprehensive: What is the difference?
As well as understanding an excess, knowing the difference between the three main types of car insurance is a must:
1. Third party
Third party is the minimum level of cover you need to legally drive or even keep a vehicle that has not been SORN-ed (see Gov.uk for more). It can be the cheapest option but it covers very little, only protecting others on the road, and property like walls, homes and streetlights, from your bad driving.
So, if an accident's your fault, third party pays for the damage you cause to another driver's vehicle and their property and protects any passengers. It will not cover you for any damage to your own vehicle so you will be expected to pay this cost yourself.
2. Third party, fire and theft
Third party, fire and theft is an extension of third-party only insurance but also protects your vehicle if it is stolen, or if it catches fire.
3. Comprehensive
Comprehensive is the widest level of cover available. If you have an accident and it was your fault you can claim the cost of repairing your car and any other damage you may cause to a third party. The cover also includes accidental damage, vandalism and usually windscreen repair.
You may be able to drive other people's cars, although this is likely to only be up to the level of third-party coverage. You may also be covered to drive hire cars. These are not standard features so check with your insurer before you buy so you are clear about what is included. (See does my policy cover me to drive other vehicles? for more.)
Other vehicles: Does my policy cover me to drive them and can other people drive my car?
Obviously car insurance will cover you to drive your own vehicle (you have insured) but some comprehensive policies insure you (not the named drivers) � if you're driving the cars of your friends and family � with their permission of course. Check with your insurer that you definitely have this extension of cover.
This is different to bicycle insurance where most specialist policies will only cover the cyclist named on the policy (though bikes insured on home contents can be lent to family members).
You may also be covered to drive hire cars too. However, if your comprehensive cover allows you to drive other vehicles this is usually only up to the level of third-party coverage � so no theft or fire damage is provided.
If you're the generous sort, you can add other drivers to your policy � known as named drivers � and they'll be covered to drive your car. Even if you're not the generous sort, adding a second responsible driver can also help lower the cost of your cover.
No-claims discounts: What are they and do they need to be protected?
As insurers like less risky policyholders, they will reward you if you're able to go a long time without making a claim. For every year you are claim-free your insurer may give you a discount at renewal.
The more years you can go without making a claim, the larger the discount will be at renewal. For instance, an insurer may give you a 30-40% discount if you can go without claiming for the first year of your policy and then give you an extra 10% discount if you can repeat the trick in your second year.
You can also pay a small fee to protect your no-claims discount, meaning you can retain your discount even if you claim. It is worth considering, especially if you have a history of making claims. However, an accident is still likely to see your premium rise, regardless of the impact of your discount.
Going abroad: What if I want to use my car overseas?
If you drive your car outside the UK but within the EU (eg, a day trip to France) or other European countries such as Andorra, Liechtenstein, Norway and Switzerland, an EU directive means you'll automatically get third-party only cover, even if you don't tell your insurer.
This means you'll be driving legally but under the third-party extension of your policy, so your car won't be covered for damage or theft. This third-party cover applies even if you have comprehensive UK cover. But some policies come with full Europe-wide insurance, covering you across the Continent.
If yours doesn't, call your insurer giving your dates of travel and the countries you'll visit (or plan to pass through, even if it's only for a few hours) to extend the policy cover, but there may be a charge.
Our research shows some providers, including Direct Line, Churchill and Privilege, offer this free if you're only going for up to three days, but that's not a universal rule. You can be charged around �20-�30.
If you extend your trip, you're likely to have to pay extra � possibly around �15-�30 more.
Don't forget about breakdown cover. See our full Breakdown guide for more.
Buying car insurance
Applying for a quote: How honest do I have to be?
You have to be completely honest when you're applying for a car insurance quote.
Car insurance is expensive but no matter how tempted you are to say someone else is the main driver, or to pretend you have no points on your licence, never lie.
It can invalidate your insurance and can even lead to prosecution. However, being specific rather than vague about your job (some jobs are considered riskier than others) can help you cut costs. See our car insurance job picker for more.
Got a car but hardly drive it: Do I still need insurance?
Even if you're only driving your car every now and then it must be insured. The Continuous Insurance Enforcement scheme, which came into force in January 2011, means all cars must be covered � unless they're not in use and off the road. It aims to crack down on uninsured drivers by matching up the database of cars on the road with insured drivers.
The only way out is to apply for a Statutory Off Road Notification (SORN), declaring your car will never be driven. See Gov.uk for more.
Mileage: How to estimate your mileage
Insurers use this information to help them calculate your premium. The less you drive, the cheaper your insurance so while you always need to give a genuine estimate to avoid committing fraud, it makes it doubly important not to overestimate as you'll also end up overpaying.
The best method is to look at how much you've driven in the past using accurate data, and if your driving habits haven't changed, put the same figures down. If they have, change the figure accordingly. The easiest ways to find out your history is by looking back at old MOT certificates or service documents where your mileage would have been recorded � just compare one year with the next for how far you've driven.
Accidents: Do I need to tell my insurer if I have a prang but don't claim?
If you have an accident and damage someone else's car but decide to cover the costs yourself, strictly speaking you should still tell your insurer about it.
If you do have an accident and your insurer subsequently finds out about it, it could result in higher premiums regardless as the insurer will consider you more of a risk.
In addition, a problem may arise if you have a second accident and it is found to be related to work undertaken for the first. If this does happen it would most likely result in non-payment of the claim, rather than cancellation of your insurance or being reported for fraud, but could still end up costing you �1,000s.
Change in circumstances: Do I need to notify my insurer?
If any of your circumstances change it is important that you tell your insurer. If you don't and then try to claim, even for an unrelated issue, your whole policy may be invalid.
You should tell your insurer about any change, even if it's just your address. This is crucial as it reduces potential problems in the event of a claim. Trying to get insurance after you've had a policy cancelled is very difficult and expensive.
A change in circumstances includes moving jobs, as insurers believe this can affect your risk. You may also save on insurance if you're in a stable relationship � for instance, living with a partner rather than listed as single.
And watch out for modifications too. For example, putting a tow bar on to your car to pull a caravan or trailer counts as a modification, so it's vital to let your insurer know you've got one. Most car insurance policies don't cover attaching a trailer as standard so double-check � some may charge you a slightly higher premium.
Young drivers: I'm under 25, is there a way I can cut my insurance premiums?
The cost of car insurance for under-25s is dropping fast but it's still eye-watering for some. The average price for a 17-22 year-old is in excess of �1,400. But there are many ways to help cut this cost, including getting specialist young drivers' insurance. For more information see our Young Drivers' Insurance guide.
Now you know the basics of car insurance, follow our step-by-step guide to slashing the cost of your premium, starting with 12 car cover need-to-knows.
12 ways to cut car insurance costs
Did you know the average driver faces an annual insurance premium of �680 with drivers younger than 25 paying over �1,400 for cover? Here are our top car insurance cost-cutting tips that can save you �100s.
Don't assume third party is the cheapest
You would expect third-party cover to be the cheapest because it is the lesser cover, just covering the person you bump into and their car. Yet don't expect car insurance to be logical.
With some insurers the mere fact you have selected comprehensive, which includes your car too as well as fire and theft, means you'll be assessed as a lower risk (based on actuarial history, which is what an insurer will hold about a particular age group or address, for example, on which they base their premiums).
This can outweigh the fact you get more cover, and make your policy cheaper.
There are no hard rules here, it's a matter of trial and error, yet if you're just looking for the very cheapest cover, never only check third party.
My auto renew quote was �210 for 3rd party only. I went to a comparison site and got comprehensive breakdown cover & free car hire with the same company for �40 less. Forumite DobbieSloan
Should I get third party or comprehensive cover?
Third-party cover is generally most suitable for those:
- With cars worth less than �1,000
- Aged under 25 (though also read Car Insurance for Young Drivers)
- Without a no-claims bonus
Living in a high-risk area
Comprehensive is a good idea if your car is worth more than �1,500, and is more important the more valuable your car is. Many insurers will only offer comprehensive cover for cars over a certain value anyway.
New. Getting insurance 21 days ahead can save �100s
An MSE investigation in which we analysed more than 18 million quotes from three of the biggest price comparison sites � Confused.com, Compare The Market and MoneySupermarket � has revealed buying your car insurance three weeks ahead of the start day can save you �100s, compared with buying it too early or leaving it until the day before or on the renewal day.
Based on an average price, the cheapest time to buy your policy is 21 days before the start date, with the price differences closely aligned to how much of a risk you're deemed to be, and when the highest number of insurers will provide quotes (see the�full price investigation). If you are already within the 21-day period, act now as the price tends to increase closer to the start date of the policy.
We've full info on how to bag the cheapest policy in this guide - see our comparison sites order below.
Here are a few successes from MoneySavers who've got their insurance around the sweet spot...
Just did mine (24 days early) � saved over �690 over my renewal price. Cara via Facebook
Renewal quote was about �550. Comparison quote with 16 days to go: �334. @andrew_dowd
A responsible 2nd or 3rd driver can cut costs
It may seem counter logical, but covering an extra driver can reduce rather than increase your cost � in some cases by �100s or �1,000s. Here are seven quick tips on how to do it most effectively�
Car insurance is all about risk. That's why it can work. If you're a high-risk driver and you add someone who is a much lower risk as a 2nd (and/or 3rd) driver, they can bring down the average risk and you may get a cheaper policy.
This isn't just for young drivers. While it works well for young drivers (see our Young Drivers' Car Insurance guide) as they are automatically seen as a high risk and know many people, like their parents, who may be lower risk, it can work for anyone. But of course, it's especially powerful for those with costlier insurance.
The better the driving history and lower the risk, the more impact it should have. Those with a good driving record are likely to help make the most savings, but anyone who's a lower risk can help. By law insurers can't discriminate over gender, but age, driving experience and history can make a difference.
This is about trial and error, not logic. Your mum may increase the cost, your brother may cut it, or vice versa. It's just a question of trying different quotes and seeing what happens.
Different insurers respond in different ways. One may cut your costs adding your uncle, another may increase it. A quick way to check is by varying quotes on comparison sites � it's easy to do, see our top comparison sites list below.
The second driver should be someone who would reasonably drive your car. So don't add Lewis Hamilton, unless you happen to be his brother (and even then racing drivers are likely a very high risk so I wouldn't bother) � but your mum, son, best mate or gran should be OK � as long as they would drive the car.
Never add someone as main driver if they're not. This is known in the industry as 'fronting' and is fraud. If you do it and are caught, you can face a criminal conviction and your insurance will likely be invalid.
Here are some successes to get you started...
As a young new driver my insurer wanted �5,000 but after adding mum and dad it dropped to �1,900. @Faevouritexox
Took your advice and added my mum to my car insurance and saved �500 #mumstheword.@mazzyb5
Tweak your job description � some save �100s
Another quick win is tweaking your job description (legitimately of course). An illustrator is often cheaper than an artist, an editor than a journalist, a PA than a secretary.
Have a play with our Car Insurance Job Picker tool and see if small changes to your job description could save you cash. Remember, never lie as this will be considered fraudulent. If it worked for you, share your success stories with our forum users.
Thank you @MartinSLewis after rewording my job occupation on car insurance I have managed to save �400. @JenStaCreations
I did this too thanks to @MartinSLewis from creative director to marketing manager = saved �300+ Crazy world isn't it? @fabsternation
What if I'm unemployed?
If you don't have a job, you face a potential fivefold jump in insurance costs by declaring you're unemployed. The same hikes don't apply to homemakers (housewives/househusbands). If that's you, say so to avoid a hike in costs.
However, only enter homemaker if you're genuinely not seeking work or receiving benefits which require you to seek work. Otherwise, it's fraud. Read the full MSE News story: Unemployed walloped with high insurance.
Beware paying monthly
A monthly payment plan for your insurance is essentially a high-interest loan. For example, if your premium is �1,000 and want to pay monthly, you could pay �95/month, which is �1,140/year (�140 more) at a huge APR of 25%.
So either pay in full, or if you can't afford it, use a credit card with a lower APR rate (or better still, a 0% credit card for spending, ensuring your repayments are big enough to clear it within a year).
If paying by credit card, check if the insurer or provider charges a fee for doing so � though the fee is usually less than the interest charged on monthly instalments.
|Find the APRs of the big insurers
|APR if you pay monthly
|APR if you pay monthly
|Age Co
|Hastings Direct
|John Lewis
|Correct at July 2018
Never auto-renew. Loyalty is expensive
Nothing better illustrates car insurers preying on loyal customers than Sarah Cooper's tweet. "My car insurance renewal is �1,200. New policy with same company is �690. How do they justify this?" They don't. They just do it.
Insurers charge more each year, knowing inertia stops policyholders switching. And even though new rules mean insurers must now tell you the premium you paid last year in correspondence to you, don't rely on this to take action.
If your renewal is coming up, jot it in your diary to remember it. Compare comparison sites and then call your insurer to see if it can match, or even beat, the best quote you found. If it can, you're quids in.
Last year I paid �258 car insurance. The renewal quote was �608. I paid �199 using your comparison site process. Thanks. Sue via email
My auto-renew price for two vehicles including a 21-year-old named driver son on smaller vehicle was �1,024. I followed the advice given in the guide to get a better deal with Direct Line for �590. Forumite Rawhide
Finally convinced the other half to challenge car insurance renewal quote. Reduced from �520 to �219! @laedeejaedee
What will insurers charge me to stay?
As well as insurers refusing to offer you the special rates that are available to new customers, there is often an administration fee charged for renewing your policy.
Here's a list of some of the providers which impose a renewal fee. If you know of any others, tell us so we can add them to this list of shame.
|Insurer renewal fees
|Renewal fee
|1st Central
|One Call
|Auto Direct
|Done Deal
|Scenic (motorhome provider)
|Hastings Direct
|People's Choice
|Correct at May 2018
How can I haggle?
For more haggling tips, read the full Haggle On The High Street guide together with The Top 10 Firms To Haggle With.
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Don't pimp your ride. Lock it down
For those over the age of 50, 'pimping your ride' involves decking it out with fancy alloys, windows and spoilers. The more changes you make to your car, barring security ones, the more you'll be charged. Always tell your insurer about any modifications and whether you made them or not, or it may invalidate your policy.
The exception to this rule is if you've a classic car needing insurance � in this instance, insurers accept modifications as a natural part of classic car ownership and don't penalise you with higher premiums.
Even more savings are there for the taking for normal car owners if you can protect your vehicle by securing it. Fitting an alarm or immobiliser (especially one approved by Thatcham) will reduce the bill substantially.
What counts as a modification?
A modification is anything that isn't part of the standard vehicle specification, including factory-fitted optional extras such as alloy wheels.
Only buy add-ons if you know their value
Insurers often try to sell you additional products such as windscreen or breakdown cover. Avoid buying these if you don't need them and, if you do, always check out the cost of the cover individually first.
Many insurers make a large mark-up by selling add-ons at higher rates than you can get elsewhere. Also, some of these add-ons may already be included in your policy, so read all the terms and conditions carefully.
Insurers can also throw in free add-ons (like those listed below) in your first year as a sweetener but after that you'll need to pay. To grab these freebies follow these three steps:
Make sure you switch insurers every year to avoid paying for add-ons.
Check what's on offer via comparison sites as insurers often have exclusive offers set up with them which you can't get by going direct.
Always try to haggle with your current insurer. Ask if it can offer you a better deal than a rival and, if not, don't be afraid to switch to a provider that will.
What are the typical add-ons?
Windscreen cover
Windscreen cover may differ from provider to provider but, at its most basic, it pays out if your windscreen is damaged and needs to be repaired or replaced. Your windscreen is usually covered under your comprehensive car insurance policy but separate cover will pay to repair your windscreen without claiming on your car insurance. This means no excess and no impact on your no-claims discount.
Legal expenses
This doesn't bear thinking about but say you had an accident that left you badly injured and you needed to claim damages for your ongoing medical costs. This cover will help you reclaim these costs from the insurer of the driver at fault, with the help of a legal team, so you're not out of pocket. It will also help recover your excess in the event of an accident where a third party was involved and can be traced.
Courtesy car
Courtesy car cover provides you with a replacement vehicle while yours is off the road, if you've had an accident or need to make a claim. There are different levels of courtesy car cover � some will only cover you if your car can be repaired, while others will cover for complete write-offs, or if your car is stolen.
Breakdown cover
Breakdown cover varies but, at its most basic level, it ensures your vehicle can be recovered from the roadside and fixed on the spot (or taken to a garage if it can't be repaired there and then). You can increase the cover to get assistance if your car is spluttering in the driveway or to get a hire car if you need a short-term replacement. For more info see our Cheap Breakdown Cover guide.
Excess insurance
As its name suggests, excess insurance is designed to provide the funds to pay your excess in the event of a claim. There are two types of excess insurance: the first, known as 'single cover', only covers one policy, while 'multi-cover' will insure excesses you have across a number of different policies.
Key cover
If you lose your car keys, key insurance can cover the cost of replacing keys and locks. Key cover typically comes without an excess and some policies can be extended to also cover members of your family.
Set the right excess without breaking the bank
It's worth considering going for a policy with a higher excess. A higher excess will result in lower premiums but make sure you can afford the premium if you need to claim. Many people will find claiming for less than �500 of damage both increases the future cost of insurance and can invalidate no-claims bonuses, meaning it's not always worth making a claim.
So why pay extra for a lower excess? A few insurers will substantially reduce premiums for a �1,000 excess, so try this when getting quotes. The downside of this is if you have a bigger claim you'll have to shell out more, so take this into account.
Grab long-lasting quotes to lock in today's price
Many insurers will let you lock in a quote up to 30 days ahead of the start date, so you can guard against any future premium increases. A few insurers such as as Aviva* and Quotemehappy even have quotes that are valid for 60 days.
Once the quote has been locked in, the price is fixed subject to you not changing any of your details � though you aren't committed to taking that policy and can always change your mind if you find a cheaper deal �(see why buying 21 days ahead is cheapest).
You can switch mid-year, don't wait for renewal
Don't assume switching is only for those at renewal. This is very important when prices are rising, as they are this year. This means you may find switching early saves anyway, especially if you didn't follow the full cost cutting system in the past. There are three points to consider when doing this:
- You can usually cancel existing policies and get a refund for the rest of the year, providing you haven't claimed.
- There will normally be a cancellation fee of around �50 so your savings from switching should outweigh that to make it worth it � the longer you've got to go on your policy the more likely you'll be better off switching to save.
- You won't earn the current year's no-claims bonus if you switch so you'll need to be making a substantial saving in order to make this work.
For many, it will still be a worthwhile move. Here are a couple of case studies to inspire you...
You gave us the confidence to challenge our car insurance mid-policy as we were paying �40 a month. Now we're paying �16. Andy
In November my insurance was �1,200. Now, with a little help from turning 25, I have done a mid-year price check and it's �230! Miriam
Will my insurer remind me when it's time to renew?
Insurers usually send out notifications at least 21 days before renewal. This doesn't leave much time, and you can end up rushing to find a cheaper price.
To avoid being forced to decide quickly, put a warning in your diary six weeks before your renewal date, so there's plenty of time to sort out a new provider. Alternatively, use the free Tart Alert which sends a reminder text or email.
List of 18 insurers and cancellation fees
The following are just some of the cancellation fees charged by insurers if you cancel cover outside the 14-day 'cooling-off period' and if you've not made any claims during the current year.
Insurers' cancellation fees (outside cooling-off period)
|Cancellation Fee
|Cancellation Fee
|Hastings Direct
�45 (1)
�38 (2)
|John Lewis
|More Than
|Post Office
|Direct Line
|�50 (2)
Correct at July 2018
Note: (1) If moving to another non-Hastings policy. (2) Insurance premium tax will be added to the cancellation fee. It increased to 12%, from 10%, on 1 June 2017.
Get on the electoral roll � it matters
Being on the electoral roll is not just about being registered to vote � it can also make a difference to your insurance premium.
Insurers such as Aviva, Direct Line, Churchill, Privilege, Co-op, Zurich and Endsleigh have confirmed that they use the electoral roll as part of the ID-checking process to combat fraud.
Not being on the electoral roll, or having incorrect information registered, makes it more difficult for insurers to identify you, so they'll probably give you higher quotes or simply not offer cover.
If you're not already on the electoral roll, it's straightforward to do. See our Electoral Roll guide for more information on why it's important, including the all-important how to get on it.
Step 1: The top comparison sites
Once you know the basics from our top 12 tips for cutting costs, it's time to visit the comparison sites which zip your details to a number of insurers' and brokers' websites to find the cheapest quotes. As no single site captures the entire market and prices vary, combining a number of sites is the best way to make a really meaningful saving.
IMPORTANT: Remember, as we've said above, buying your policy three weeks ahead can save �100s compared with getting it last minute, or 30 days ahead. See the full price investigation.
How is your order of comparison sites decided?
When ranking comparisons, we want to get you to use the best ones, as quickly as possible. We focus principally on price, as depending on who you are, you can get cheaper quotes on different screen-scrapers. However, we also factor in 'softer' features to assess the quality of each.
Ranking on price
We analysed the prices of a large range of insurance quotes given by Compare The Market, Confused.com, Gocompare and MoneySupermarket.
- Step 1.�Check how many times each comparison site returned the cheapest or within 5% of the cheapest quote.
- Step 2.�Rank the comparison sites in based on their 'score' in the first category.
- Step 3.�Assess how often each comparison gave a unique cheapest quote, ie, not just equal cheapest with a higher-scoring comparison.
- Step 4.�Alter the order to see if it's possible to increase the speed with which you access the cheapest quotes.
Quality rating (out of 10)
We use this as a tiebreaker, when combining two different combinations of comparisons gives similar results.
If such a combo exists, we have used the quality rating as a tie breaker.
The rating is based on a quarterly survey of other features of the comparisons: including their accuracy when compared to prices when you click through to the insurers. Other features assessed are:
- Do the prices quoted change when you click through to insurers' websites?
- Do other terms of the quote change when you click through to the insurers' websites?
- Do your top quotes have the excess you asked for?
- If you've requested no marketing follow-up, do you get one?
- Is the price for any add-ons clearly stated?
This is a newish process so we are intending to improve it as we go, and welcome all feedback.
If I use a comparison site will it show up on my credit file?
Yes and no. Comparison sites send your details to a raft of insurers, they then use information on your credit file to judge your quote. This leaves a 'soft search' on your file which you can see as a reference if you get your credit report � but this worries many people.
Yet crucially lenders CAN'T SEE these soft searches, so they have no impact on your creditworthiness. The only time a hard search � which lenders can see � may go on your file is if you then go on and actually apply for insurance; specifically 'pay monthly' insurance (because they effectively pay upfront for you and you repay the loan over the year).
More info in our Will buying insurance from a comparison site affect my credit score? 60-second guide.
Which comparison sites offer incentives?
Some comparison sites include 'free' gifts for every policy you take out. At CompareTheMarket.com there's a soft toy meerkat (you can choose from eight) for each new policy plus 2for1 cinema tickets and 2for1 at 1,000s of restaurants (see Meerkat Movies & Restaurant trick for full details).
Though remember, don't end up paying a higher premium than you need to because you are sucked in by the incentives on offer from one particular comparison site.
Typical driver
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Marketing options? Opt-in
- Voluntary excess matches what was asked for? Yes
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
Try to really nail down all the quotes
Boost chances to nearly 100%
If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options to try.
Try QuoteZone* if you have time � usually takes around 5-10 minutes.
Typical driver insurance
This is you if you're aged over 25 with one car, which isn't a company car.
Quick reference
Our comparison site order in full technicolour detail
The order of comparison sites listed below is for typical drivers � see the tabs above if the combination of these sites is unable to save you �100s.
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Marketing options? Opt-in
- Voluntary excess matches what was asked for? Yes
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
Try to really nail down all the quotes
Boost chances to nearly 100%
If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options to try.
Try QuoteZone* if you have time � usually takes around 5-10 minutes.
Temporary car insurance
Borrowing a friend's car for the weekend or need to hire a vehicle to move house? It's possible to get temporary insurance for one to 28 days.
Most insurers will cover drivers between the ages of 18 and 75 but some set the minimum age at 21. You may also find it difficult to find cover if you have many points on your licence or a long history of claims.
Insure Daily*, Tempcover.com, Confused.com* and the RAC* offer policies.
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Marketing options? Opt-in
- Voluntary excess matches what was asked for? Yes
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
Try to really nail down all the quotes
Boost chances to nearly 100%
If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options to try.
Try QuoteZone* if you have time � usually takes around 5-10 minutes.
Multiple car insurance
If you have more than one car, this is for you. Comparison sites don't offer multi-car discounts, so are multi-car policies worth it? For some they work, for others they don't. So ALWAYS check multi-car policies and standalone insurance for each vehicle to see what works for you.
Martin's rule of thumb:
If you've a multi-car policy, check standalone first, if standalone policies, check multi-car first.
This is what you've got to do:
1. First check for multi-car policies or various multi-car discounts:
- Check multi-car policies. This is where all cars are on one policy. The big one is Admiral MultiCar* or consider Aviva* and LV* which also provide multi-car policies.
- Then check any standalone policies for multi-car discounts. Multi-car discounts are where you get separate policies, but you get a discount on the second vehicle. Insurers to try: More Than* 15% | Axa up to 15% | Esure 10% | Privilege % varies | Sheilas' Wheels 10%. Tip: Insure the car with the cheapest premium first because you'll usually get the discount on the next 'additional' car (and subsequent cars).
- Finally check existing insurance policies for any multi-policy discounts. Multi-policy discounts are where you get a discount if you have at least one policy with an insurer, eg, you already have home insurance, so you get the discount on your car policy (and vice versa) with the same insurer. (This also works for the same type of insurance so if you've got car insurance, you can take out another car insurance policy.) For this, try Direct Line* and Churchill* � the discount varies.
2. Then check standalone policies. Sometimes it will work out cheaper to get normal standalone policies for each car, rather than linking them together, eg, one car might be insured with Churchill, the second with Aviva. Use our full comparison system to check.
Sometimes multi-car insurance works...
Over three cars (incl our 18yr old son's), we saved �4,600 as Admiral MultiCar policy reduced it to a much more manageable �2,600. Thanks MSE. Forumite BoredwithbeingIgnored
... and sometimes it doesn't!
Husband had three cars on multi-car, followed your guide and bought three [separate] policies, saving �1,400. MoneySaver Suzanne
Company car insurance
Comparison sites always assume you own the car you're trying to insure. However, many people drive a car owned by their employer, but have to insure and tax it themselves.
This means comparison sites, while useful for benchmarking, don't do the trick. First, try a couple of specialists, then see how prices from the comparisons stack up.
Online quotes for company-owned cars
The only insurer we could find which gives quotes online for vehicles owned by companies is LV*.
Go through the quote process and it'll ask who owns the car. The quote you get will be based on this. This by no means translates to LV being the cheapest choice � but it's very useful to get an idea of what you should be paying.Give us your feedback on LV
Specialist brokers and insurers: Time for phone-based legwork
This is a good time to look to the old-fashioned, pre-online comparison route � insurance brokers. They can only look at a smaller range of insurers, but they can also dig into the detail, and tell you if a policy covers company cars.
It's worth phoning as many of the following as you can. It's free to talk to them but they're paid via commission. Try Adrian Flux, Alan Boswell, Arthur J. Gallagher, Endsleigh* and Swinton.
To further hone the price you can hit the phone again and talk to these insurers: AA*, Churchill*, Diamond and Direct Line*.
Combine comparison sites
Remember, comparisons don't all compare the same sites, so the best strategy's to combine them. We've analysed them, using a large range of monthly data, primarily focused on which ones produce the cheapest results.
We also factored in separate research on the accuracy and quality of the comparisons. (See how the order is picked.)
No single site captures the entire market, so combining a number of sites is the best way to make a really meaningful saving.
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Marketing options? Opt-in
- Voluntary excess matches what was asked for? Yes
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
- Price for add-ons clearly displayed? Yes
- Voluntary excess matches what was asked for? Yes
- Marketing options? Opt-in
Try to really nail down all the quotes
Boost chances to nearly 100%
If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options to try.
Try QuoteZone* if you have time � usually takes around 5-10 minutes.
I'm struggling to get cover
If you have a number of points on your licence or you have made many claims before you may find it hard to get cover.
If you've been caught once for an offence such as speeding, it's likely you'll have three penalty points on your driving licence. However, one strike doesn't change your risk profile. It's when you reach four points or more that you should change the way you act.
First click on 'typical driver' and compare the comparison sites listed. If you think you can find cover cheaper elsewhere consider enlisting the help of a broker (search on the British Insurance Brokers' Association website to find someone local).
If you've claimed in the past and this is affecting your premiums, consider protecting your no-claims discount (see Should I protect my no-claims discount? for more).
You may even be able to fast-track your no-claims bonus. The Admiral Bonus Accelerator policy gives you one year's no-claims bonus after just 10 months of being insured. This can speed up how quickly you hit the big discount territory.
However, always choose based on the price you pay now. Factoring in a slightly higher premium today for a reduced one in future is fine � but don't pay way over the odds, as the benefits in years ahead aren't guaranteed.
Even if you don't claim, to keep your no-claims discount, the price of a policy can rise simply because you may be assessed as a higher risk in future.
Consider telematics
Despite some confusion, telematics is not a 1980s games show hosted by Noel Edmonds (that was Telly Addicts!). Telematics prices your premiums depending on how you drive.
A device inside your car monitors your actions behind the wheel. So the better you drive, the less you pay for cover. Remember, telematics policies have more aliases than a rap group. If you're looking at 'black box', 'smart box', 'pay-as-you-drive' or 'usage-based' insurance then you're looking at a telematics policy.
It works! Forumite vic.star says: "I'm with Insure The Box � a telematics insurer. I paid �980 for my first year (I was 21 when I took out the policy) compared to the cheapest on comparison sites of �1,400!"
The black box feeds data back to your insurer, which takes this into account to reward you; if you can prove you're more Driving Miss Daisy than Fast & Furious, you can get money back on your premiums, high-street shopping vouchers or better prices at renewal. Full info
How do they judge you?
It's not just a case of keeping your hands at ten and two and shifting smoothly up the gears. Insurers will take the following into account.
- The time of day or night you drive (11pm to 5am may cost more).
- Your speed (stick to the limit).
- Gentle braking reactions (hard and sharp stopping is not good).
- Gentle acceleration and cornering is good (don't treat your local roads like Silverstone).
Telematics providers will charge you more if you speed or start cornering like Lewis Hamilton. In addition, you won't earn rewards if you don't drive responsibly. With insurance so expensive, any money back on your cover should be an incentive in itself.
While your insurer will be following your driving closely, there are relatively few restrictions on when and where you drive.
Some insurers, such as iKube and Co-op*, have curfews in place, meaning driving at certain times (usually between 11pm and 5am) could result in a fine or an increase in premiums.
Now jump to step 4 for how to haggle down the best price.
Step 2: The ones comparisons miss
Comparison sites let you compare 100s of insurers quickly but they don't capture the entire market.
Some insurers do not appear on comparison sites at all and some deals � including multi-car discounts � are only available by going directly to an insurer's website.
The insurers not on comparison sites
Three of the biggest insurers on the market, Direct Line, Aviva and Zurich, only offer their products directly and aren't on comparison sites. Benchmark your cheapest comparison site quotes against the premiums offered by these sites to see if you can slash costs further.
Direct Line*. If you already have a Direct Line policy, give them a try as you could get a discount for having a policy with them.
Aviva*. Grab up to 20% off online and an extra discount of up to a third by adding a second car or van to your policy.
Zurich. Get a courtesy car following an accident on standard policies, if you use one of its approved repairers.
Step 3: Hot deals comparisons miss
While comparison sites offer a large chunk of the deals available on the market, others are only available directly from insurers or brokers. If any of the providers below are among your cheapest on comparison sites, use the links below to buy instead and take advantage of special deals.
�55 M&S gift card with Age Co car insurance*
Use this MSE Blagged Age Co* link to buy a car insurance policy by 11.59pm on Wednesday 31 October and you'll receive a �55 M&S gift card. The gift card should be posted, or emailed, within 120 days of your policy start date. The deal is for new customers only (those who have never had an Age UK or Age Co motor policy).
Read more to ENSURE you get the gift card
An online deal such as this has to track properly for you to get your gift card. A few things can prevent that, so make sure you:
1) Disable ad-blocking software or cookie blockers (if you don't know what they are, it's unlikely you're using them so it's less of an issue). These can stop the deal tracking, so please temporarily unblock them.
2) Don't exit your browser and reopen it while signing up for the deal, as this can stop it tracking correctly.
In the unlikely event that you don't receive the gift card 120 days after your policy start date, please email email@example.com and include your policy number and start date.
�50 food voucher with Co-op car insurance*
Buy a new car insurance policy direct from Co-op Insurance* by 11.59pm on Wednesday 21 November and you'll receive �50-worth of Co-op food vouchers.
The Co-op voucher will be posted within 75 days of your policy start date � note too that the deal's for new customers only (where you have not had a Co-op car insurance policy on the same vehicle within the last 12 months).
Free RAC breakdown cover via Post Office*
Buy a new motor insurance policy directly from Post Office* and you'll get Roadside and Recovery vehicle based cover free for a year. This only applies to policyholders aged 49 or under at the time of purchase.
The option to upgrade the cover is available and costs �20 to include 'At Home' cover or �40 to include 'At Home and Onward Travel' cover for one year.
Step 4: Haggle
Haggling is not a must � especially if you want to try a new provider � but if you're looking to renew with your current insurer it is well worth getting on the phone to negotiate.
Once you've followed the steps above and got the overall cheapest price, pick up the phone and haggle. If your insurer can beat or match your best quote it saves the hassle of switching policy. If that doesn't work and you're still in the mood, enlist the help of a broker.
I just saved around �300 haggling with Admiral (prompted after the news article on MSE). And they were really friendly to boot. Forumite thrifteemee
For more haggling tips, read the full Car and Home Insurance Haggling guide along with Haggle On The High Street and 2017's Top 10 Firms To Haggle With.
Get Our Free Money Tips Email!
For all the latest deals, guides and loopholes - join the 10m who get it. Don't miss out
Step 5: Get cashback
Once you know who your cheapest provider is, you need to check there aren't any hidden cashback deals, as these can be as high as �60.
If your second or third cheapest quotes weren't too much more expensive, see if cashback's available for them too, and find the overall winner.
It's important to be aware that the cashback is coming from the comparison site, not the insurer, so getting the cashback relies on its ability to pay.
Things you need to know before getting cashback...
Never count the cash as yours until it's in your bank account
Cashback is never 100% guaranteed. There can be issues with tracking and allocating the payment. Many cashback sites are small firms with limited backing, and you've no protection if anything happens to them.
Withdraw the cashback as soon as you're allowed
Money held in your cashback site account has no protection at all if that company goes bust. Always withdraw it as soon as you're eligible.
Clear your cookies
While it shouldn't be a problem, if you've used comparison sites before, there is a minor risk that the cashback may not track due to cookies on your computer � so it's good practice to clear those first (read About Cookies).
If you're new to cashback sites, make sure you read the Top Cashback Sites guide for pros and cons before using them. Otherwise, use the Cashback Sites Maximiser tool to find the highest payer for each insurer.
Step 6: Check your policy
Always double-check the policy terms. Once you've found the cheapest quotes make two important checks.
Double-check the quotes. Click through to the insurance provider's own website to double-check the quotes, as to speed up searches some comparison sites make a few assumptions.
Examine the policy's coverage. Check whether it's suitable. If you want a free courtesy car if yours is being fixed, is it included? While you're there, it's worth playing with the policy details to see if you can lower the price further. Look at the excess, and whether adding drivers cuts the cost.
So how much can you save?
Following the steps above often produces huge savings. Those who normally just accept their insurer's renewal regularly see �100s shaved off the cost. And significant numbers of MoneySavers report getting deals for under �100.
Our record-ever price of 96p for a year is below. Since then we've had some for under �50 but nothing that comes close so if you've beaten it, let us know.
Barbara's story: 96p for a year's fully comp cover
In October 2009, civil servant and grandmother Barbara Wakerell smashed the old �14 record for using this car insurance system (see MSE News: 96p car insurance).
Policy price: For Barbara, the cheapest was �120.96 from Swinton Insurance for a fully comprehensive policy, with protected no-claims bonus, and including a courtesy car.
Insurer cashback: The company had its own �70 cashback promo.
Cashback site: She then got a further �50 via using a cashback site.
All added together, that meant the total cost of the insurance was just 96p. She said:
I'm always looking for a bargain so when I found my car insurance for �120.96 I thought I was doing well. But when I also got �120 cashback I realised I had done really, really well. Can anyone beat that? Barbara Wakerell
How to complain about your insurance provider
The insurance industry doesn't have the best customer service reputation and while a provider may be good for some, it can be hell for others. Common problems include claims either not being paid out on time or at all, unfair charges, or exclusions being hidden in the small print. It's always worth trying to call your provider first, but if not then�
Free tool if you're having a problem
This tool helps you draft your complaint and manage it too. It's totally free, and offered by a firm called Resolver which we like so much we work with it to help people get complaints justice.
If the complaint isn't resolved, Resolver will escalate it to the free Financial Ombudsman Service.
Important: if your issue is about a voucher or incentive that was part of an MSE Blagged deal, then instead just let us know by emailing firstname.lastname@example.com as that's usually quicker.


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Tuesday, January 19, 2010
2 comments:
Wow! You got no snow! How weird... can't wait until you post about yarn dyeing! I think I'm ready to think about it. I like variegated, but the selection we have is crummy here.ReplyDelete
Looking at the yard posts makes me want to play in the garden, but it's still asleep under the snow... 3-4 more months, then maybe!
The other nite while out to dinner with some quilters/knitters/crocheters I replied to a comment about yarn - specifically that I shop at the lys for my sock yarn rather than HB or JoAnns - I did sound like a yarn snob. In the same breath - for some of my crochet projects I do shop the 'big box' stores.ReplyDelete
So nice of you to drop by. I love your comments, and if you would really like a reply, please email me at fibermania at g mail dot com

subset: commoncrawl


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|Main Street, Nicholasville, Ky.
Nicholasville's improvements will come in three phases and will utimately include three new parks in the downtown area. Nicholasville Now has a lot of information about the project on their website. I'll post more when Phase I is complete, but until then watch out for traffic cones!


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Beautiful, third floor, poolside unit. Striking views of the beach from the balcony and dining areas. You also get a glimpse of the bay from the bedrooms. Cathedral ceilings througout. Bright open kitchen with Corian countertops. Refrigerator with ice and water dispenser. Master bathroom with walk-in shower. Elevator access.Amenities include: 42" HD flat screen television and television in master bedroom, DVD and CD radio.Unit sleeps a max of 5 people: 1 king, 2 twins, 1 roll a way bed.
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SyndicIT Services Introduces HP Slate Tablet Drag and Drop Document Management Solution for Paperless Operations in the Commercial and Multifamily Real Estate Industries
by Star One Public Relations Thursday, March 24, 2011
Syndi is also designed as a context sensitive integrator for line of business application integration meaning that users of business applications can now use the auto store, indexing and search functions for storing and finding documents in real time, based on the active screen of the application they are using. Syndi is an intelligent desktop applet who always knows by application what you are doing, and thus can provide real-time automated document storage, indexing, linking or retrieval of documents driven by the key index fields of active applications or general ledger account entries.
This capability is a significant enhancement to the anytime, anywhere use of cloud based document storage and management. And, when used with other business applications such as property management software, it creates an environment for true real-time use of key document index values eliminating the need for users to spend time and keystrokes to accurately store or search for digital documents they use in property management such as resident and property leases. Syndi is now smart enough to know where you are and what you are doing in your applications and then drive the capture, storage and management of digital documents accordingly. This technology is called context sensitive integration, said Debra Radice, Managing Director of SyndicIT Services Corporation. We fully understand that a document management system without full integration to active line of business applications is not a true solution she added.
The Company also stated that SyndicITs document management solution is already being used to process over 250,000 documents a day in paperless business operations.
Syndi is a new age, desk top drag and drop electronic avatar. Syndi ensures that all documents are captured, monitored, properly handled and filed. Syndi performs as an intelligent integrator, a scanner applet, present on the users computer desktop enabling simple, fast and easy drag and drop auto indexing and capture of scanned or electronic documents whether they be Outlook messages, Excel, Word, PDF files, .TIF images, photos or even voice files to be digitally captured and shared. Syndis unique print to Syndi function enables users to print documents directly to the correct electronic file cabinet. Syndi also constantly monitors scanning devices moving scanned paper documents automatically into workflows, to-do folders, in-boxes or electronic file cabinets. The SyndicIT system also features ready-to-go document workflow processing, integration with Outlook, QuickBooks and SalesForce.com to expedite document, message filing and attachment filing from these popular business applications.
About SyndicIT Services Corporation:
SyndicIT Services Corporation is headquartered in Wimberley, Texas, a suburb of Austin, Texas. SyndicIT was founded to provide enhanced technology tools for the multihousing and commercial real estate industries. Our tools for asset performance are the next major step in multihousing and commercial real estate IT enabling true paperless property automation. Visit SyndicIT and Syndi at www.syndicIT.com.
HP, Microsoft, Outlook, SalesForce.com and QuickBooks are Registered Trademarks of their respective companies.
Debra Radice
SyndicIT Services Corporation
P.O. Box 97, Wimberley, Texas 78676
Tel: 512.461.8685
E-Mail: firstname.lastname@example.com
Web: http://www.syndicIT.com
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One of the pleasuresof life (and using a calculator in class) is spelling typing out 5318008 on the calculator and sniggering loudly. There were limited applications of the alphabetthat a calculator gave us, and we were content with this. However, the admin of a Texas Instruments graphing calculator mod site (read: bunch of awesome nerds) actually went up and programmed his calculator to run nDOOM (a port of the game, not a clone). That's right, his basic computing handheld also manages to run an amazing 90's first person shooter.
When I saw the comic above on Saturday Morning Breakfast Cereal (SMBC), I [after suitable guffaws] remarked on the veracity of the comic. Every gadget with a screen and some amount of kernel access eventually gets DOOM. DOOM is the landmark 1993 first person shooter that pretty much made sure the entire world knew what First Person Shootermeant. It also is extremely popular with the modding fraternity because of its easily used WAD data archive files. The porting of a DOOM WAD file is eventually established so easily that if you have a relatively modern smartphone, chances are that you might be able to play the game on it. But never on a calculator. This is sheer awesomeness.
However, some odd glitch makes his TI-NSpire calculator crash after 30 seconds. But think about it, thirty seconds of sheer nerdgasm. Who wouldn't want that? Video follows.


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Paul Offitt on Vaccines
by xinit • 9/4/2013 • science • 0 Comments
A free course from Paul Offit from the University of Pennsylvania, presented through Coursera. I haven't looked very deeply into the course's discussion forums, but so far I haven't seen any obvious anti-science trolls yet. Sign up for the course, if you're interested.Read more →


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Combine different pieces from this collection to build a sectional that fits your style and space.
Fabulous Mid Century Modern style and ample seating make this sofa an entertainer's dream. Far from being a blast from the past, the dramatic styling makes this Mid Century Modern sofa a stunning centerpiece for today's fashion-forward living room. Supple leather upholstery adds a touch of luxury. This sectional seats five, but additional pieces are offered to tailor the sofa to your needs.
The Arrow 5 Pc Sectional Sofa with Right Arm Sitting Chaise by La-Z-Boy at Morris Home in the Dayton, Cincinnati, Columbus, Ohio, Northern Kentucky area. Product availability may vary. Contact us for the most current availability on this product.
There's something so striking about Mid Century Modern design. The angular shapes and sweeping, tapered lines add just the right amount of drama to any room. For a living room centerpiece that's truly something special, choose a Mid Century Modern silhouette adorned in genuine leather. This collection offers stylish seating of all sizes. Swap out a sofa for a loveseat in a smaller space, or add seating for more guests with our multi-piece sectional sofa.
The Arrow collection is a great option if you are looking for Mid-Century Modern furniture in the Dayton, Cincinnati, Columbus, Ohio, Northern Kentucky area.
Browse other items in the Arrow collection from Morris Home in the Dayton, Cincinnati, Columbus, Ohio, Northern Kentucky area.
This item has been tagged as: Sectional, Couch, Sofa, Large Couches, Large Sofa, Sectional Couch, Sectional Sofa, Chaise Sectional, Sectional with Chaise, Couch with Chaise, Sofa with Chaise, Chaise Sofa, Chaise Couch, Sectional with Recliner, Recliner Sectional, Reclining Sectional, Modular Sectional, Modular Sofa Pieces, Stand Alone Couch Pieces, Curved Sectional, Conversation Sofa, Conversational Sofa, Sectional Furniture, Home Theatre Sectional, Home Theater Sectional, Sectional with Ottoman
Morris Home operates five stores in Ohio and one in Kentucky and prides themselves on being the areas best choice for living room furniture, dining room furniture, bedroom furniture, accent furniture, entertainment furniture, home office furniture, kids furniture, outdoor furniture, and mattresses. Morris' Centerville, OH furniture store, Dayton, OH furniture store, Springdale, OH furniture store, and Columbus, OH furniture store provide furniture shoppers from Cincinnati, Columbus, Sharonville, Kettering, Bevercreek, Huber Heights, and Hamilton, OH a top of the line shopping experience when looking for living room, dining room, bedroom, entertainment, accent, home office and kids furniture.
Errors on Our Site: Prices and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and Morris Furniture Co., Inc reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted and whether or not the order has been confirmed. If you are not fully satisfied with your purchase, you may return it in accordance with our Return Policy.
We have taken great care to provide you with information that is accurate and useful. Please notify us if you find an error, and we will do our best to correct it. We endeavor to list complete and accurate web data as possible. However, due to the sheer quantity of information, complex computer integration, human error and the automated nature of the web, web content may sometimes be inadvertently erroneous. We apologize for any inconvenience this may cause and ask that you contact us directly or visit our stores to confirm information about pricing, color, features, dimensions, availability and special order lead times.
Ensure Your Happiness: Please note that some website picture are for illustration purposes only and may vary from actual items available in our showroom. We recommend visiting our showroom prior to purchase to ensure that the fabric, color, and finish meet your expectations.
Nothing on this page may be copied or reproduced without explicit permission.


text: A new drama starring Oscar-winner Michael Keaton (Batman, Birdman or the Unexpected Virtue of Ignorance) titled The Founder is coming to theaters this August, which follows the life of Ray Kroc, the entrepreneurial salesman who took the McDonald brother's small-time burger shack and turned it into the international conglomerate known today as McDonalds. The movie comes from director John Lee Hancock (The Alamo, Saving Mr. Banks) and screenwriter Robert D. Siegel (The Wrestler, Turbo), and co-stars actors Linda Cardellini (Grandma's Boy, Avengers: Age of Ultron), Patrick Wilson (Watchman, The Conjuring), Nick Offerman (Parks and Recreation, 21 Jump Street), and Laura Dern (Jurassic Park, October Sky). Check out the new trailer here on MADE. The movie will be out in theaters this summer.


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Oil & Gas
New construction or scheduled maintenance, AIS has an entire staff of certified technicians who can provide you the assurance you need that your project complies with industry regulations.Learn about NDT services for Oil & Gas
Power Generation Facilities
Boiler wastage survey and high energy piping inspection are just a few of the services we provide to ensure efficient plant operation.Learn about NDT services for Power Generation Facilities
Chemical Plants
Rapid corrosion can occur within tanks and piping. Our technicians provide you with the data you need to make decisions on the integrity of these key components at your facility.Learn about NDT services for Chemical Plants
Fabrication Facilities
Certified Welding Inspections (CWI) ensure your project is built to American Welding Society (AWS) standards.Learn about NDT services for Fabrication Facilities
Set your NDT learning in motion
Our qualified trainers and comprehensive courses have your needs covered.
Start a rewarding NDT career
We are always looking for the right highly-motivated individuals to join our team.
Service with quality and integrity
At AIS, we continually respect the values that propelled us to where we are today.
Health and Safety is our top priority at AIS. To ensure safety is consistently sustained, we have partnered with J. J. Keller & Associates to handle all of our training and compliance needs. Since our establishment in 1990, we have had zero OSHA reportable incidents, a record we will strive to maintain. Read more ›


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We stock a large range of travel bags mainly from Dakine, who produce very high quality travel bags that come in all different colours, styles, sizes and prices to suit anyones taste and price range. What ever your travel needs may be we have got the right travel bag for you, all of the travel bags that we stock contain a variety of features to make your travelling experience as easy as possible, such as split level design allowing very easy access, retractable handle, replaceable and extremely durable urethane wheels, exterior organiser pockets, lockable zipper cars to keep all your gear safe and 600D Polyester to make the travel bags as durable as possible.
If you have any questions about the travel bags that we stock please don't hesitate to contact us on 01202 738448.
Take a look at our stock of Dakine Travel Bags
Your item has been added to your basket, would you like to:
A date has not been selected for this lesson. If you would like to select a date, choose cancel and select from the calendar. Otherwise continue with the booking, and contact us on (01202) 738 448 at anytime in the future to select a date.


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Maxine Holloway loves surprising her lovers. She comes home early from a charity event and does a striptease. She slowly strips off her red dress and shows them her pretty hairy pussy and hard nipples.
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Book Your Room Direct
Latest News
Special early season discounts
Art and Music Weekends at Crinan
Frances Ryan muses about Iona
Crinan Hotel Christmas Party Menu
Maps, News and Special offers
Keep up to date with our news and offers
SPECIAL OFFERS can be found if you click this link
Our occasional newsletters and regular blogs will keep you up to date with what is happening at Crinan and around Argyll. Neither is meant to be selling you things you don't want but instead should be informative and fun.
Sign up for our newsletter here or follow our news on the Blog or social media.
You can see our most recent newsletter (January 2019) if you click this link.
"Sometimes it's the journey that teaches you a lot about your destination"
A quote from a Canadian musician and it seems to apply to Crinan Hotel and the journey to it. Whether you come from the north or the south, by sea or by road you have a sense of expectation about your destination based on the journey travelled. And that expectation is fully met. Every time.
We have created a couple of useful maps for you and a page with travel directions too. Once you are here we will help you explore the area with recommendations about where to go, what to see and what to do.
Contact details
If you prefer you can always still use the phone or even write!
Telephone: +44 (0)1546 830261
Address: Crinan Hotel | Crinan | Crinan by Lochgilphead | Argyll | PA31 8SR
Email: [email protected]
We also recognise that many of our customers now wish to keep in touch online through the website, email newsletters or social media.


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For those of you who like to celebrate this international holiday (not really green beer day) St. Patrick's Day here's an actual Irish Pub you can raise your beer toast to:
Ah yes, I had my first glass of Guinness here, in a small pub next to a cemetery outside of Dublin. You'd have to ask Melissa for the photo where I'm actually holding a beer. If you're looking for some of the motherland to raise a few more toasts to, here's the entire Ireland trip album
Have a good craic!
Oh, yes, that I live in a country where we get to learn about so many great holidays not of our originating culture is fantastico. Now I just gotta go find me something green to wear.


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On 2011-04-23, Jukka K. Korpela wrote: > Anyway, if you click on "More Options" and then select "CSS level 3" > in the "Profile" menu, you get "No Error Found"- That still doesn't explain where the error report came from. Especially since it sounds like something that would be coming from parametrization, and so from outside of the standard altogether. From font names, or whatnot. Where *does* it come from, in the end? -- Sampo Syreeni, aka decoy - firstname.lastname@example.com, http://decoy.iki.fi/front +358-50-5756111, 025E D175 ABE5 027C 9494 EEB0 E090 8BA9 0509 85C2Received on Sunday, 24 April 2011 02:54:27 UTC
This archive was generated by hypermail 2.3.1 : Tuesday, 6 January 2015 21:40:47 UTC


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Time lapse is essentially a succession of stills at less than the common playback frame rate. Most video plays at 30fps so if you capture at every other frame or 15fps over the same amount of time, it's twice as fast. The problem I used to run into is that most natural events occur relatively slowly. This would use a great deal of video tape as it was recorded in real time and then I'd reduce the frames in post. Therefore, I decided to try to perform the same operation with my digital still camera.
This was an exercise in producing time lapse from a digital still camera. It was shoot at the SF Bay from my island of Alameda.
Shot with Fuji S3 Pro at 1 frame every 3 seconds
Nikon MC-36 intervalometer
Stills assembled together in Quicktime Pro
Flicker effect overcome with a GB Deflicker plug in for After Effects
Music: Philip Glass' Prelude from Act I of Akhnaten
Video Duration 1:03 minutes


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Judging the Royals
Heading to spring training
As you read this, I'm on my way to Surprise, Arizona. I'll arrive in Phoenix, take a shuttle straight to the ballpark and begin my fourth year of covering the Kansas City Royals. People ask if I'm excited about this upcoming season and the answer is yes; but once it begins, the grind doesn't stop until the Royals quit playing. During that period I'll either do my job as a political cartoonist or cover a baseball game — and on most days I'll do both — for the next six months, weekends included.
OK, now that I'm done whining about being paid to watch baseball — but a lot of baseball — let's talk about 2013. Judging the Royals has changed as we've gone along, and there are more changes in store: This year we're dropping Ron Polk's player evaluation system. Some people liked it, some people hated it, but few people looked at the numbers it produced. Personally, I liked it. It made me pay attention to baseball in a new way, and it forced me to record things that might otherwise go unnoticed: things like an 8-plus pitch at-bat or a runner breaking up a double play. But it was extremely time consuming and, since few readers were looking at the numbers, we decided to drop it. I will continue to look for those kinds of plays and continue to write about them; they often go unnoticed, but they still make a difference in a ballgame.
Eliminating the Polk system will allow me to concentrate on bringing the players' point of view to baseball fans. If this is your first visit to Judging the Royals, I should probably mention this site was started to bring the conversations I'd been having with ballplayers for the past 20 years to other baseball fans. I've been lucky enough to know a lot of professional ballplayers, and their knowledge and insight helped me appreciate the game. If I could bring that knowledge and insight to this site, I hoped others would have the same experience: it's more interesting to watch a ballgame when you know the hitter is trying to hit the ball to the right side of the infield and how the pitcher is trying to prevent that.
If you want to know why third baseman Mike Moustakas sometimes leaves a tag on a baserunner, this site can help you with that. (If Mike thinks the runner is out, he'll bring the glove up and show the umpire he controls the ball. If Mike thinks the runner is safe, he might leave the tag on the runner hoping he over-slides the base.)
If you want to know why outfield coach Rusty Kuntz stepped out of the dugout and put his hand behind his head, this site can tell you what Rusty was up to. (Putting a hand behind the head means the outfield should play no doubles: back up far enough that any ball hit over their head is out of the park — the man at the plate represents an important run and the defense wants to hold the batter to a single.)
For the most part, the players, coaches and manager want us to know why they do the things they do. If you'll put in the time necessary to convince them you really want to understand, they'll explain. Players and coaches also want to know that you don't have an axe to grind and that you'll talk about the positive as well as the negative. If you're going to write about Jeff Francoeur overthrowing a cutoff man, sooner or later you might also want to mention how well Jeff plays the wall.
In fact, for a source to be credible, it's important to write about the good and the bad. Players are not perfect; for the past three years I've tried to point out the things they did well, but I've also pointed out their mistakes. When a player throws to the wrong base, makes a bad decision on the basepaths or avoids contact on a double play, I write about it.
The Royals organization — the players, coaching staff, manager Ned Yost and everybody from the groundskeepers to the GM — has given me countless hours of their time so that I can understand what they're doing and pass that information along. Bottom line: these people know more than I do. If I ask questions and listen, I can learn from them and bring that knowledge to other fans.
I'll continue to write about the process as well as the results. The results might be a three-run home run, but the process is the hitter looking for a fastball up in the zone in a 2-1 count and trying to catch the ball out in front. Because I have no set assignment or deadline — I just try to post something each night — I can ignore the normal storylines and concentrate on whatever catches my attention. If a guy gets a game-winning hit, his locker will be surrounded after the game and that story will get covered — and it should. But this site's format allows me to talk to the guy who broke up the double play that kept the inning going so the other guy could get that game-winning hit.
I can write about the small plays that make the big plays possible (although after playing, managing and watching this game for more than two decades, I'm not sure there are any small plays). I can use this site to break down the right way to catch a ball in the sun, turn a double play or block home plate.
And that information makes the game more interesting for all of us.
OK, that's the agenda for the 2013 season. I'll learn as much as I can from the players and coaches and bring that information back here. I hope you enjoy it.


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Monday, 4 January 2010
21 comments:
- Anonymous4 January 2010 at 03:08
like the zips on the jumper!ReplyDelete
lol these are such awesome hair flicking pics. i was at armani bar for NYE and these girls were major hair flicking/dancing and me and my bestfriend tried to mock them and I almost pulled my neck tryna do it hahahaha gosh im such an old lady -.-ReplyDelete
oh and happy new year dahling :D
chch, great hair action...ReplyDelete
I LOVE that jumper.ReplyDelete
I love the hair flips =)ReplyDelete
Happy New Year, gorgeous! How is everything?? Great hat, too!
Love the zip jumper and awesome hair flick!ReplyDelete
- Anonymous5 January 2010 at 17:55
Beautiful outfits. That hat is amazing! And the jumper? Genius! Thanks for your comment by the way, I love those photos too. xxxReplyDelete
those hair tosses are awesome. i need to learn how to do that! i love that jacket! sequins are awesome.ReplyDelete
you look so pretty w/ that big smile and crazy hair in that first photo :) hope the holidays treated you well!ReplyDelete
super fun pics!! and i love the sparkly jacket...great way to kick off the new year!ReplyDelete
gorgous, i love the topshop jacket!ReplyDelete
happy new year z! the photos are a lot of fun. put a smile in my face today. hello sparkly jacket!ReplyDelete
Lovely look, darling!ReplyDelete
Fabulous jacket!
Happy 2010!!
love the hat and the Zipper jumperReplyDelete
Happy New Year! Love your new purchases... the zip jumper is an awesome idea and I love the sparkly jacket! Great playlist... loved the fact RATM made it as the Christmas Number 1 in the UK ;-)ReplyDelete
Finally back from HK. Is it me or does the smog get worse there every time? In any case, I'm blaming my cold on the city...
fun pictures! and i love your soundtack!ReplyDelete
you look awesome. wonderful zipper and that shiny jacket is so beautiful :)ReplyDelete
Happy new year.
Zips on the jumper = genius. These shots are fun :) Happy New Year to you as well!ReplyDelete
Haha, you look like you're having so much fun in these photos. Love the blue sequin blazer!ReplyDelete
Great sequined jacket! Happy weekend :)ReplyDelete


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Most suppliers look at nothing but cost of the product and want to sell volume of the e cigarette starter kits without thinking through the process. We are about helping to keep the people of Washington using the "alternative" over regular cigarettes and would rather have the repeat business from selling the ecigarette replacement cartridges then selling you trashy kits with bad batteries , parts and other items just to keep it working. So our business is based on customer service, nothing more.
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I spotted this one just in time.
The Wicked Wildfire Readathon started today (20th June) and finishes on the 24th of June.
You can participate in as many or as few days as you like, but I'm going to go for them all.
My goal, as usual, is to read for more than 30 minutes a day (or more than 2 hours over the 4 days).
Are you participating as well?
Let me know in the comments.


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My other half and I are considering moving to Beijing.
The big smoke.
A polluted day is the equivalent to between one sixth and 21 cigarettes per day.
I don't smoke, but I'd rather a regulated cigarette than a week of breathing polluted air.
Nevertheless the analogy is helpful.
Same Old Speel
People love stories and finance is just a series of analogies.
For example, imagine bond prices are diffusing into the air like pollution does.
Maybe I got that a little wrong, asset prices aren't causing the pollution!
Remember, analogies are never exact, but helpful.
Another try, suppose, someone is trying to sell us an investment product and quotes a Sharpe ratio of 1 (i.e. we earn one dollar for every dollar of volatility risk).
Probability(Rubbish) = tdist(Sharpe * 1, 1, 1)
If they show us a year of data, there's a 25% chance of this 'strategy' being rubbish.
Multi Year Probability(Rubbish) = tdist(Sharpe * SQRT(Years), Years-1, 1)
[Good explanation here and here]
That means the ten year Sharpe of 1.1 from the previous Meb-Faber-esque timing model over 10 years is quite low! Odds are about the same as someone being arrested for drunk driving (0.5%).
The original research paper quoted a lower Sharpe of 0.73 using 40 years of data (again, who invests in any one product for 40 years?). Similar to chances of being killed by a tornado (0.002%).
Of course, there is a large assumption. How many little tweaks and similar models were brushed under the carpet on the way to publishing this strategy and its Sharpe?
In other words, let me flip a coin once, I have a one in two chance of seeing a head. Let me flip twice and I have a much better chance!!
How many times was the Meb Faber Timing strategy flipped before something convincing was found? It's impossible to tell.
But let's look at the different moving pieces.
A) Trading logic based on a 10 month moving average. The length of time could've been tweaked (this is alluded to in the paper)
B) Trading is executed on a monthly basis. Longer and shorter time frames are mentioned in the paper
C) Five asset classes are included plus cash. Different numbers are also included in the paper. Other combinations could have been used too, which we'll give the benefit of the doubt and ignore for now
How about we assume three different options were considered for each moving piece? Not unreasonable with modern technology (perhaps low). Let's say 27 different combinations of parameters were investigated.
We are left with a one in two hundred chance (0.002%*3^3) of the strategy being completely rubbish (or being caught drunk driving).
Not bad at all.
Of course, allow a few more tweaks and the small number grows rather quickly.
Heap on another moving part and the result will be almost definitely nonsense.
Like the coin flip example. Except you never know how many times it took to fish around for a 'winning strategy'.
In finance, as with other walks of life, laziness is a virtue.
[Big thanks to Jonathan Ng for a comment which led me to correct the formulae]


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In making this months challenge, I was absolutely physically challenged. Making homemade phyllo dough was a task. I would never have attempted it if not for this challenge and I am very grateful to Erica for creating it. I was in a constant state of "I don't know about this" as I progressed. I knew I had to accomplish it early on due to vacation plans. I wanted to do an unusual filling and decided to ride the current bacon craze (I have always been crazy about bacon) with a date, almond and turkey bacon filling. My hands swelled a bit and ached the day after making this dessert but it was delicious and I loved the flavors.
I have no plans to ever make this again. I am glad I did it though because it feels like a notch on my culinary belt. Ever made your own phyllo? I imagine a young whippersnapper grilling me?? Why yes I have, I will reply, and I think everyone should too...at least once.
Erica of Erica's Edibles was our host for the Daring Bakers June Challenge. Erica challenged us to be truly DARING by making homemade phyllo dough and then use that homemade dough to make Baklava.
I garnished the plate with Gumpaste Daisies. I served the Baklava on the screened porch with a strong black tea. The Baklava was very sweet so the strong tea helped soften the sweetness for me. I felt refreshed and a little full afterward. I thought about weeding the garden but decided for another slice of Baklava instead. The weeds would still be there but I knew I would share this hard earned dessert with loved ones and it would be gone soon.
Phyllo Dough
*Note 1: To have enough to fill my 8" x 8" baking dish with 18 layers of phyllo I doubled this recipe.
1 1/3 cups unbleached all purpose (plain) flour
1/8 teaspoon salt
1/2 cup less 1 tablespoon water, plus more if needed
2 tablespoons vegetable oil, plus additional for coating the dough
1/2 teaspoon cider vinegar, (could substitute white wine vinegar or red wine vinegar, but could affect the taste)
1. In the bowl of a stand mixer, combine flour and salt
2. Mix with paddle attachment.
3. Combine water, oil and vinegar in a small bowl.
4. Add water & oil mixture with mixer on low speed, mix until you get a soft dough, if it appears dry add a little more water (I had to add a tablespoon more)
5. Change to the dough hook and let knead approximately 10 minutes. You will end up with beautiful smooth dough. If you are kneading by hand, knead approx. 20 minutes.
6. Remove the dough from mixer and continue to knead for 2 more minutes. Pick up the dough and through it down hard on the counter a few times during the kneading process.
7. Shape the dough into a ball and lightly cover with oil.
8. Wrap tightly in plastic wrap and let rest 30-90 minutes, longer is better.
Rolling Out The Dough:
2. Flour your hands, rolling pin and counter. As you roll you will need to keep adding, don't worry, you can't over-flour.
3. Roll out the dough a bit to flatten it out.
4. Rotate and repeat until it is as thin as you can it. Don't worry if you get rips in the dough, as long as you have one perfect one for the top you will never notice.
5. When you get it as thin as you can with the rolling pin, carefully pick it up with well floured hands and stretch it on the backs of your hands as you would a pizza dough, just helps make it that much thinner. Roll out your dough until it is transparent. NOTE: you will not get it as thin as the frozen phyllo dough you purchase at the store because it is made by machine
6. Set aside on a well-floured surface. Repeat the process until your dough is used up. Between each sheet again flour well. You will not need to cover your dough with a wet cloth, as you do with boxed dough, it is moist enough that it will not dry out.
Baklava Recipe
18 servings
For the syrup:
· 1 1/4 cups honey
· 1 1/4 cups water
· 1 1/4 cups sugar
· 1 cinnamon stick
· 1 (2-inch) piece fresh citrus peel (lemon or orange work best)
· a few cloves or a pinch or ground clove
When you put your baklava in the oven start making your syrup. When you combine the two, one of them needs to be hot, I find it better when the baklava is hot and the syrup has cooled
1. Combine all ingredients in a medium pot over medium high heat. Stir occasionally until sugar has dissolved
2. Boil for 10 minutes, stir occasionally.
3. Once boiled for 10 minutes remove from heat and strain cinnamon stick and lemon, allow to cool as baklava cooks.
Ingredients for the Baklava Filling:
1 (5-inch) cinnamon stick, broken into 2 to 3 pieces or 2 teaspoons ground cinnamon
1 cup blanched almonds
1 cup chopped dates
1/2 cup turkey bacon, cooked and crumbled
1/3 cup sugar
Phyllo Dough (see recipe above)
1 cup (2 sticks) melted
1. Preheat oven to moderate 350°F
2. Combine nuts, sugar and spices in a food processor and pulse on high until finely chopped. If you do not have a food processor chop with a sharp knife as fine as you can. Set aside.
3. Trim your phyllo sheets to fit in your pan.
4. Brush bottom of pan with butter and place first phyllo sheet.
5. Brush the first phyllo sheet with butter and repeat 4 times ending with butter. (Most recipes say more, but homemade phyllo is thicker so it's not needed)
6. Sprinkle 1/3 of the nut mixture on top.
7. Continue layering phyllo and buttering repeating 4 times.
8. Sprinkle 1/3 of the nut mixture on top
9. Continue layering phyllo and buttering repeating 4 times
10. Sprinkle 1/3 of the nut mixture on top
11. Continue layering and buttering phyllo 5 more times. On the top layer, make sure you have a piece of phyllo with no holes if possible, just looks better.
12. Once you have applied the top layer tuck in all the edges to give a nice appearance.
13. With a sharp knife, cut your baklava in desired shapes and number of pieces. If you can't cut all the ways through don't worry you will cut again later. Then brush with a generous layer of butter making sure to cover every area and edge.
14. Bake for approximately 30 minutes; remove from oven and cut again this time all the way through. Continue baking for another 30 minutes. (Oven temperatures will vary, you are looking for the top to be a golden brown, take close watch yours may need more or less time in the oven). The middle layers of the baklava take a little longer to cook so try to keep in as long as possible.
15. When baklava is cooked remove from oven and pour the cooled (will still be warmish) syrup evenly over the top, taking care to cover all surfaces when pouring. It looks like it is a lot but over night the syrup will soak into the baklava creating a beautifully sweet and wonderfully textured baklava! I actually used about half of the syrup because I do not like really sweet desserts. the more syrup used the sweeter the final product.
16. Allow to cool to room temperature. Once cooled cover and store at room temperature. Allow the baklava to sit overnight to absorb the syrup.
17. Serve at room temperature.
Storage: There are a few ways to store your Baklava. It is recommended that you store your baklava at room temperature in an airtight container. Stored at room temperature your baklava will last for up to 2 weeks. You can also freeze your baklava and then just set it out at room temperature to thaw. I stored mine in the refrigerator because of the bacon. I liked it right from the fridge but the flavors blended better after coming to room temperature.


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"All the research points to a link between exposure to books at an early age and educational outcomes. So reading to your children is more than great fun – it's also good for them," – Alison Lester
Alison Lester is a favourite author/illustrator in our house. Part of reason why is I enjoy reading her books as much as my children enjoy me reading to them. The first Alison Lester book I read was Imagine, and I was utterly captivated by the book, page by page. Each time my children and I read it, it seems fresh somehow, as there are always new discoveries to be found.
Alison Lester, a warm welcome to Be A Fun Mum.
What is your best FunMum tip?
Let your children stay home on rainy days. Try to say no as little as possible.
In your opinion, why is reading to a child, from birth, so important?
Apart from anything it's a time when you STOP and give your child your full attention. It helps kids learn to read and opens a whole other imaginary world, much more powerful, private and subtle than television.
How can parents make reading-aloud time fun?
Always read something you like. There's nothing worse than wading through some boring rubbish trying to sound interested. Be honest with your kids and tell them if you think a book stinks. Make sure you are comfortable. It's ok to snooze.
Often, storybooks are read at bedtime. Are there advantages of reading with young children throughout the day?
I have guilty memories of my youngest calling out for a story and finding him asleep when I finally made it to his room. This happened many times, the poor old boy. He's a strong reader, though. Many houses have a lot going on at bedtime, so daytime reads are wonderful.
Do your children have a favourite Alison Lester book?
I'm not sure.
My daughter (8) asks this question: Did you name the pinnacle dinosaur in Are We There Yet?
No, it's a no name dinosaur. Good question though!


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A Story from the Past – 14 – Jagannath Pandit, Lokmanya Tilak & British Rule
Jagannath Pandit was probably the last great scholar in the tradition of great Sanskrut scholars of the past. By 'great' we don't just mean best of a period or of his time, but someone who leaves such a mark that his works are read avidly centuries after his life. Not many people know of Jagannath […]Continue reading →


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1911 Encyclopædia Britannica/Aurangabad
AURANGABAD, or Aurungabad, a city of India, in the dominions of the nizam of Hyderabad, north-west division, situated 138 m. from Poona, 207 from Bombay via Poona, and 270 from Hyderabad on the river Kaum. It gives its name to a district. It was founded in 1610, under the name of Fatchnagar, by Malik Ambar, an Abyssinian, who had risen from the condition of a slave to great influence. Subsequently it became the capital of the Mogul conquests in the south of India. Aurangzeb, who erected here a mausoleum to his wife which has been compared to the Taj at Agra, made the city the seat of his government during his viceroyalty of the Deccan, and gave it the name of Aurangabad. It thus grew into the principal city of an extensive province of the same name, stretching westward to the sea, and comprehending nearly the whole of the territory now comprised within the northern division of the presidency of Bombay. Aurangabad long continued to be the capital of the succession of potentates bearing the modern title of nizam, after those chiefs became independent of Delhi. They abandoned it subsequently, and transferred their capital to Hyderabad, when the town at once began to decline. Aurangabad is a railway station on the Hyderabad-Godavari line, 435 m. from Bombay. In 1901 the population, with military cantonments, was 36,837, showing an increase of 8% in the decade. It has a cotton mill.
The district of Aurangabad has an area of 6172 sq. m. The population in 1901 was 721,407. It contains the famous caves of Ajanta, and also the battlefield of Assaye.