HONGKONG TELEGRAPH, MOTORING SUPPLEMENT.
THE DANGER OF LEVEL CROSSINGS.
SATURDAY, NOVEMBER 8, 1924
HARLEY DAVIDSON
THORNYCROFT
COMMERCIAL
VEHICLES
BUILT ENTIRELY OF BRITISH PARTS BY BRITISH LABOUR.
A TYPE FOR EVERY REQUIREMENT For Passengers or Merchandise
1924 MODELS IN STOCK FOR
IMMEDIATE DELIVERY. SHEWAN TOMES & CO. Solé Agents, Tel. C. 781.
JUST UNPACKED
An entire family of five was killed in the above saati which happened near Chattanooga, Tenn.. US A.
PROBLEMS OF CAR INSURANCE.
THE QUESTION OF INDEMNITY IN CASE OF TOTAL LOSS.
(By Capt. E. de Normanville in
Another shipment of the famous the Daily Chronicle.
B.S.A.
MOTOR--CYCLES
2.3-4 h.p. Sports Model
$525.00
Equipped with Lucas Magdyno Electric Lighting.
Inspection Cordially Invited.
SINCERE'S
Really, it's a very cruel world I wrote an article on Tuesday to clear away certain misconcep tions about motor-car insurance and whilst many readers have? written their thanks, quito a goodly-or badly 1-namber hurl doubt and vituperation on my innocent head.
over-estimating the value of, the car when renowing an insurance policy.
The figure you put down and pay for even though accepted by the company-in not what they will pay you a compensation against total loss. It is your job to put the ronowal from car value figure down correctly, and in accordance with the real facts You must not put of the caso down the sum of money you would like to get if your car should-become-a total lors.
WHAT INSURANCE RE. LLY IS.
And a number of you are amazod" that I should sido with the insurance companies by But I can stand a lot of it, so saying that such procedure is much so that I will reiterate the equitable. Frightfully sorry, and matter with further emphasis so all that sort of thing, but (don't as to try and convert the unthink me rude) you must go on believers.
being "amazed," I do think it It's not a bit of good saying|equitablɑ-and this is why. it's ridiculous, and you'd take All insurance, whether it be for tho insurance company to law, a house, a necklace, or a motor- and so
on. And it's not a car, is "an indemnity against bit of good saying I must be mis-loss"-not a contract to replace takon, because I'm not. Evidently with a new article.
the misunderstanding is far more To my way of thinking you can wido-spread than I imagined. So only construe that as unjust if wo'll go
ovor the top" again. you imagine that insurance is a contract to replace with a now EXCESS VALUES ARE USELESS.
article. And you can only think If you insuro a car for £500, and when renewing the insurance that by ut adequately under standing what insurance is. And fill in the space for the value of the car again at £500, and then if you do not really appreciate suffer a total loss, you will not precisely what insurance is, why at all visit your wrath on me because I -I'm yelling that "not misheliavors who have writton-try to put you wie? It's the low got £500 from the insurance of the land-made and so inter
preted before I was born. company.
You will only got what the cur was actually at the time of the loss, in the actual conditions ob- taining at the time of the loss. I repeat thereloro, that it is useless
"Yessir, We Take A Personal Interest In Every One of Them!"
"Whether it's your car, Mr. Smith's or Mr. Brown's, it gets the same good care and expert attention at our new concrete Main Garage and Service Station (Wong Nei Chung Road-Upper end of Race Course) that every car should have.
"We know from experience that it pays to overhaul a machine regulary. Owners save money through our are always efficient garage service; and their cars bright-looking and full'er per!"
THE DRAGON MOTOR CAR CO., LTD.
Export and Constant European Supervision.
Telephone Central 1246 or 1247...
י.
STUDY MARKET VALUES.
Still, I forgive you. So many of you say nice things that it's as well you should hurl your doubts and misbeliefs at my hoad I'll even return good for avil by answering one or two of the more common queries in this cor respondence.
How much of the original total
should the stated value of the ear
be on renewing the policy? I can vive you an exact proportion. You must give the value on the figures indicated by second-hand values on the market for cars the same as your own.
If you have a 1922 Jones-Smith ear which cost you £500,and you see the satne models advertised accond band for sale between £250 and £300 then that is the "insurance value of your our own car, and it's no use reinsuring it for more
MOTORCYCLES GO DOWN.
"
In the last five years the num- hor of motorcycles in the United Statos has decroared almost 50 per coat. There are now only 126,368 in this country.
SURPRISE!
THORNYCROFT
BEST
BRITISH
MOTOR
VEHICLES
THORNYCROF
NOT FOREIGN PART ASSEMBLED IN ENGLAND"," BUT ENTIRELY
BRITISH)
SERVICE and ECONOMY SPARE PARTS IN STOCK
Trust a Thornycroft with your Transport,
Specifications and Prices
HONGKONG HOTEL GARAGE
IF NOT A THORNYCROFT-BUY AN ENTIRELY BRITISH LORRY.
C.4758-Car Hire Service For Hongkong. C.4759-For Motor Showroom THE HONGKONG & SHANGHAI HOTELS LTD.
Have you seen the
1925
BUICK
LIGHT-SIX ?
Equipped with balloon low pressure tyres.
DEMONSTATION BY APPOINTMENT
TELEPHONE C.1036
HONGKONG & KOWLOON TAXICAB CO., LTD.
{n planning your PICNICS or joy rides,
don't forget K. 226. ́
Our livery cars give satisfaction.
THE
DURO MOTOR CO.
NATHAN
ROAD
A good car merits a good, clean, roomy garage. Only a limited number of cars can now pe accommodated.
CARS
FOR HIRE
STORAGE
other
The festili of ziepping on the
.MOTOR VEHICLES IN MALAYA. there are nearly 5,000, Johore lies are in the country, thousands of
The following useful fivores over 800 Malacca well over motor lorries and are culled from the Automobila 2,000, Nagri Sembilan nearly a mechanically driven voltioles pos Guide of Malaye-In 1919 there thousand, Penang nearly 2,000, included in the foregoing figures were fower than 3,000 motor Parak nearly 3,000, Bolangor and a vast fleet of motore vehicles in Singapore. Now over 1,000. In addition, there cycler
A. J. Allison, Service Manager.
J
gas i atend of ite brake. -
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