natloans – Finance & Leasing

Are you unsure what insurance products are available to you? Well you’d be surprised on what offers are out there these days. Tyre and Rim insurance is now offered at majority dealers and financiers, it allows drivers to go for a ride without having to think about the event of their tyre going flat or nail going through it.

There are a variety of deals in which you can choose from, the standard deal includes of:

-          3 years protection

-          No excess no claims

-          Towing to the nearest repair shop

-          Offers discounts on tyres (Note: only specified manufacturers)

Insurer’s are quite strict as to when they will and will not pay out their client. They will not pay damage that is caused intentionally or if the client is failing to maintain the vehicle or bike. In some cases they will not cover mother nature disasters i.e. flooding not caused by storm water. They will only cover what is under the agreement, nothing more.

Before make any agreement read the fine print, you must be aware of what exactly are your terms and conditions.

For more insight on how to go about renewing or purchasing tyre and rim insurance contact Natloans 1300 955 791.

Have you just bought a new boat and are clueless as to what to name it? It may take you a while but eventually you will find the most suitable name!! You may decide to name it after a celebrity, a family member or plainly something creative. Various individuals have been known to name their boats after towns, villages, countries and even planets. At the end of the day you will have personalized your boat the way you like, it is a way to add more personality and character.

In 2010 some of the most popular boat names were:

Aquaholic

Destiny

Happy-Hours

Summer Daze

License to Chill

Freedom

Midlife Crisis

Fantasea

Are you still not liking what you see? That’s okay, keep thinking and sure enough you will find a name that’s perfect. It is important to choose carefully as it will be visible for many years to come. There are two options for printing your name, you may prefer an artist to paint it on or get computer fabricated boat lettering.

If you are considering buying a new boat, our friendly consultants would be more that happy to guide you in the correct path. See www.natloans.com.au for more information on what we can do for you, this could be your chance to get creative with a new boat.

Queensland’s flood disaster has made residents all the more aware of what exactly their insurance policy consists of. Although it is stated in most policies that you will be covered for flood damage that is, flash flooding, storm water and rain water various insurers exclude riverine and inland flooding. This factor has affected many Queensland residences as they are now left with vehicles that are severely damaged and their insurers do not cover them. Many other residents weren’t even covered in the first place and as brutal as it may sound insurer’s are going by the notion of “no insurance, no payout”.

Suncorp is one of Queensland’s largest insurance companies that have flood insurance incorporated into their policy. There will be no issue in paying out clients whose cars, bikes or boats were damaged in the disaster.

This event has left Australians devastated and aware with exactly what their insurers are covering them for. When updating your insurance next be sure to read the policy thoroughly, even the fine print! It is vital to be covered in the event of any natural disaster. If you are not covered the consequences aren’t too pleasant, leaving you with no car to make your way around. Not only will you have to be relying on public transport, but also you will have to start saving for another car or seek for finance.

Let this disaster be a lesson to all, if you weren’t aware of your cover contact your insurer to find out what you are eligible for and seek for a product that does cover you.

Are you finding yourself unsure on whether to purchase motorcycle insurance? The answer in quite simple, ask yourself, what would you do if your bike was in an accident or was stolen?

Comprehensive insurance is now not only offered for vehicles but also for motorcycles. It is imperative that all drivers are safe on the road and are covered for the unexpected event of an accident.

There are varying covers that you can choose from:

• Comprehensive Insurance: Covers you for accidental damage, fire & damage and theft! This is a two-way cycle, you are covered for any damage to your bike and/or another persons property. Various insurance companies may also offer a hire car whilst your bike is being repaired, this may include of a small fee.

• Fire and Theft Cover: Ideal for the event of severe damages to your bike, this covers all the costs for the repairs.

• Third Party Cover: This type of cover is beneficial if you accidentally hit another bike or vehicle. It will cover you  for or the damagers on the victim’s property. However, this will not cover you for any damages to your bike.

Before you even think of going for a ride on your new bike, make sure you are covered with at least one for of insurance. Insurers offer many products, even if it is covering you for theft of personal items or repairs and expenses. No-one knows when an accident may occur and at that time you may not have the funds to repair the damages.

More information on Bike Insurances can be found on www.natloans.com.au, take the time to read what deals are available and if you are still unsure contact one of our finance consultants on 1300 955 791.

Bankruptcy has become an increasing solution for individuals who cannot pay off their debts and liabilities. According to ITSA’s statistics, 10,499 Australians filed for bankruptcy in 2008-2009 and that is only in New South Whales! In Victoria, figures were almost half the amount at 5,980 individuals.

If you are bankrupt this does not mean you cannot work. In fact it’s recommended you continue working to pay off any debts that are remaining according to your plan with the creditors. Over your bankruptcy period attempt to pay all your commitments in a timely manner! You don’t want to add any defaults to your credit file, this will make it much harder to qualify for a loan when you are discharged. Bankruptcy usually lasts for 3 years unless it has been extended to 5 or 8 years. Although you will eventually get discharged, it will remain on your credit file for a few years after until it eventually drops off.

Many individuals want to get financed whilst they are bankrupt, this is not possible. Once you are discharged for a minimum of 12 months a financier will be able to help you, in the meantime do not apply anywhere. The more hits you have on your file the less chance you will have later on. It is recommended you have no more than four finance enquiries per year, financiers do not like a busy credit file.

When you are discharged and are looking at financing another car or boat there are many brokers that will be willing to assist you. These days there are financiers that are specifically in the market to provide second chance lending. Although they cater to assist individuals who have had a bit of a bumpy ride in the past, expect to received an interest rate that is slightly higher.

If you would like more information on how to go about getting finance after you are discharged contact Natloans on 1300 955 791 or have a browse on www.natloans.com.au

As time goes by technology is improving at a rapid rate, increasing our chances of survival in car accidents. Statistics reveal that in Victoria, 1 in 4 cars are unsafe, that is 27.9% of our cars. It is also evident that darker colored vehicles have a higher chance of being involved in a car accident, whereas lighter colored vehicles provide better visibility to drivers.

Purchasing a new car provides the driver with the newest and safest technology, hence the importance of eliminating older vehicles from the road. New technology has decreased the number of deaths and serious injuries, due to safer car features.

Various features that are included in most vehicles are:

ABS Brakes: ABS brakes prevent brakes from quickly locking up. In fact they usually prevent an accident from occurring due to being so effective.

Reverse Cameras & Sensing System: This feature is currently on specific vehicles, unless you have requested them. They allow the driver to have a view

Driver Fatigue Warnings: When the driver is on the road for more than 2 hours a warning will appear, reminding them to take a break preventing high levels of fatigue.

Airbags: Are currently in most vehicles and have saved many lives in the past. They are usually located in the centre of the steering wheel and on the side of the doors. When the car is in a severe collision, this will be detected and the airbags will automatically pop out in only a matter of seconds.

Car manufacturers claim that from 2012 head protection technology will be mandatory in all new vehicles. It is vital to be driving a car with high safety features, as drivers can be quite dangerous (i.e. intoxicated or fatigue drivers).

For more information on how to go about financing a safer car in the new year call Natloans on 1300 955 791 or visit www.natloans.com.au

When in comes to finding the right car it can often be quite difficult due to the huge range of cars in the market. There are all sorts of designs, colors and varying features. Although they are all used for the same purpose the extent of luxury varies significantly depending on the make/model.

If you know nothing about car shopping you have a few things to learn! Finding yourself the perfect car can be done online, by a dealership or even in the local trading post. The first place to start is at the car yard, allowing you to choose a car that you like and is between your budget. Once you have chosen a few cars of interest your investigation begins in order to narrow your search down.

Websites such as www.carsales.com.au offer a wide range of new and used cars, allowing you to search according to the make, model and even location in which the car is currently in.  This is the most popular way of finding a car, checking online daily to see if the right car is on the market.  If and when you find the car, call the owner to pop by for a test drive! Remember to ask:

• Whether the car has been completely paid off?

• When the registration is due?

• If the car has been in any major accidents?

If the car has traveled a significant amount of kilometers you may be able to negotiate with the owner to drop the price even further. Look for any flaws of the vehicle, even if it is a scratch here and there to drop the price to a satisfactory one!

If you aren’t up with technology the trading post is a great way to find your car! Although you may not be able to see a visual at all times, if you know what you want it should be fine due to you will be taking it on a test drive before you make the purchase.

Knowing what you want to buy will allow you to find the best deal available and narrow down your search quickly. Reading up on reviews will also guide you in the right direction. For more information on what deals are available on new and used cars contact Natloans on 1300 955 791 or visit the website www.natloans.com.au

It is quite exciting knowing you will be driving around in a new vehicle, however have you really thought about whether it’s worth purchasing a brand new vehicle? Yes, surely you will be the very first owner, but is it really worth it?

If you have money to spare go for it! These days you can purchase a vehicle that is only a few years old and majority of these cars are as good as new and there are hundreds to choose from (i.e. Mazda 6, Holden Commodore, Toyota Yaris, Honda Accord). At the end of the day each car has the same features and performance levels, the only difference is the price you pay.

Another target market that would suit the category “used cars”, are new drivers. Statistics reveal that young and new drivers have a higher chance of being in a car accident or will bump their car here and there unintentionally. Why pay for a new car knowing that the moment you drive away from the dealer the price will drop a few thousand.

Where to find your next purchase?

The two broad categories you can start searching is either online websites or pop in to your local dealership. It would be ideal to begin at a dealership where you can see a range of vehicles, to choose what model suits you best and this also allows you to see what prices are applicable for each.

Having a few models in mind will guide you in the right direction. If you decide to purchase through a dealer, that is great! But remember to negotiate a price that you are satisfied with, get your moneys worth.

If you choose to buy through a private sale, you will need to undertake extensive research in finding the best option. That is, the right model, color, low kilometers and to check whether the car has been completely paid off from any previous loan.

For more information on what rates and loan terms are currently available contact Natloans on 1300 955 791.

Before Gillard was elected to be Prime Minister she proposed the “Cash for Clunkers Program”, now the citizens of Australia are eligible for this benefit if they meet the criteria. This program has been proven successful in European countries, that is many individuals are favoring newer and smaller cars. What happens during this process is that individuals trade in their car that has aged significantly and receive 1,000-2,500 euros to go towards a new vehicle that is better for the environment.

As of January 2011-2014 Gillard will provide up to $394 million to support motorist in buying new, low emission, fuel efficient vehicles. This aims to reduce carbon dioxide emissions of one million tones, whilst at the same time removing 200,000 pre-1995 cars off the road. This will benefit motorists in two aspects: saving $344 million in fuel costs and they will be traveling in safer cars!

There are a few conditions:

• Your car must be given up to be crushed and sold as scrap metal.
• You must be purchasing a new vehicle to be eligible for the $2,000 rebate.
• There is a list of specific vehicles you may choose from, there are at least 370 vehicles that are eligible so you shouldn’t have too much difficulties finding a car that suites your needs. Some vehicles that you can choose from are: Toyota Prius, Suzuki Auto, Holden Barina Spark, Honda Jazz or the Hyundai Getz.

This program has proven to be quite successful internationally, if Australians are open to this suggestion we will be cutting down on a significant amount of pollution that will benefit us all in the long run. If you are considering financing a new vehicle contact Natloans on 1300 955 791, to see if you are eligible for these funds in the new year!