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For other types of motorized vehicles, see Motor vehicle. For the 2006 Pixar film, see Cars (film). For other uses, see Car (disambiguation) and Automobile (disambiguation).
Bingle car insurance whirlpool cabrio Modern cars and trucks driving on an expressway.
Classification Vehicle
Industry Various
Application Transportation
Fuel source Gasoline, Diesel, Natural gas, Electric, Hydrogen, Solar, Vegetable Oil
Powered Yes
Self-propelled Yes
Wheels 3–4
Axles 1–2
Inventor Ferdinand Verbiest (invented first toy-sized model); Karl Benz (generally acknowledged as the inventor of the modern car)[1]

A car is a wheeled, self-powered motor vehicle used for transportation and a product of the automotive industry. Most definitions of the term specify that cars are designed to run primarily on roads, to have seating for one to eight people, to typically have four wheels with tyres, and to be constructed principally for the transport of people rather than goods.[2][3] The year 1886 is regarded as the birth year of the modern car. In that year, German inventor Karl Benz built the Benz Patent-Motorwagen. Cars did not become widely available until the early 20th century. One of the first cars that was accessible to the masses was the 1908 Model T, an American car manufactured by the Ford Motor Company. Cars were rapidly adopted in the United States of America, where they replaced animal-drawn carriages and carts, but took much longer to be accepted in Western Europe and other parts of the world.

Cars are equipped with controls used for driving, parking, passenger comfort and safety, and controlling a variety of lights. Over the decades, additional features and controls have been added to vehicles, making them progressively more complex. Examples include rear reversing cameras, air conditioning, navigation systems, and in car entertainment. Most cars in use in the 2010s are propelled by an internal combustion engine, fueled by deflagration of gasoline (also known as petrol) or diesel. Both fuels cause air pollution and are also blamed for contributing to climate change and global warming.[4] Vehicles using alternative fuels such as ethanol flexible-fuel vehicles and natural gas vehicles are also gaining popularity in some countries. Electric cars, which were invented early in the history of the car, began to become commercially available in 2008.

There are costs and benefits to car use. The costs of car usage include the cost of: acquiring the vehicle, interest payments (if the car is financed), repairs and auto maintenance, fuel, depreciation, driving time, parking fees, taxes, and insurance.[5] The costs to society of car use include: maintaining roads, land use, road congestion, air pollution, public health, health care, and disposing of the vehicle at the end of its life. Road traffic accidents are the largest cause of injury-related deaths worldwide.[6]

The benefits may include on-demand transportation, mobility, independence, and convenience.[7] The societal benefits may include: economic benefits, such as job and wealth creation from car production, sales and maintenance, transportation provision, society well-being derived from leisure and travel opportunities, and revenue generation from the tax opportunities. The ability for humans to move flexibly from place to place has far-reaching implications for the nature of societies.[8] It was estimated in 2014 that the number of cars had risen to over 1.25 billion vehicles,[9] up from the 500 million of 1986.[10] The numbers are increasing rapidly, especially in China, India and other newly industrialized countries.[11]


  • 1 Etymology
  • 2 History
  • 3 Mass production
  • 4 Fuel and propulsion technologies
  • 5 User interface
  • 6 Lighting
  • 7 Weight
  • 8 Seating and body style
  • 9 Safety
  • 10 Costs and benefits
  • 11 Environmental impact
  • 12 Emerging car technologies
    • 12.1 Autonomous car
    • 12.2 Open source development
  • 13 Industry
  • 14 Alternatives
  • 15 Other meanings
  • 16 See also
  • 17 References
  • 18 Further reading
  • 19 External links


The word "car" is believed to originate from the Latin word carrus or carrum ("wheeled vehicle"), or the Middle English word carre (meaning two-wheel cart, from Old North French). In turn, these originated from the Gaulish word karros (a Gallic chariot). The Gaulish language was a branch of the Brythoic language which also used the word Karr; the Brythonig language evolved into Welsh (and Gaelic) where 'Car llusg' (a drag cart or sledge) and 'car rhyfel' (war chariot) still survive.[12][13] It originally referred to any wheeled horse-drawn vehicle, such as a cart, carriage, or wagon.[14][15] "Motor car" is attested from 1895, and is the usual formal name for cars in British English.[3] "Autocar" is a variant that is also attested from 1895, but that is now considered archaic. It literally means "self-propelled car".[16] The term "horseless carriage" was used by some to refer to the first cars at the time that they were being built, and is attested from 1895.[17]

The word "automobile" is a classical compound derived from the Ancient Greek word autós (αὐτός), meaning "self", and the Latin word mobilis, meaning "movable". It entered the English language from French, and was first adopted by the Automobile Club of Great Britain in 1897.[18] Over time, the word "automobile" fell out of favour in Britain, and was replaced by "motor car". "Automobile" remains chiefly North American, particularly as a formal or commercial term.[19] An abbreviated form, "auto", was formerly a common way to refer to cars in English, but is now considered old-fashioned. The word is still very common as an adjective in American English, usually in compound formations like "auto industry" and "auto mechanic".[20][21] The abbreviated form is also used in Dutch and German.


Main article: History of the automobile

The first working steam-powered vehicle was designed—and most likely built—by Ferdinand Verbiest, a Flemish member of a Jesuit mission in China around 1672. It was a 65-cm-long scale-model toy for the Chinese Emperor that was unable to carry a driver or a passenger.[7][22][23] It is not known if Verbiest's model was ever built.[23]

Ntuc income car insurance tampines town Cugnot's 1771 fardier à vapeur, as preserved at the Musée des Arts et Métiers, Paris

Nicolas-Joseph Cugnot is widely credited with building the first full-scale, self-propelled mechanical vehicle or car in about 1769; he created a steam-powered tricycle.[24] He also constructed two steam tractors for the French Army, one of which is preserved in the French National Conservatory of Arts and Crafts.[25] His inventions were, however, handicapped by problems with water supply and maintaining steam pressure.[25] In 1801, Richard Trevithick built and demonstrated his Puffing Devil road locomotive, believed by many to be the first demonstration of a steam-powered road vehicle. It was unable to maintain sufficient steam pressure for long periods, and was of little practical use.

The development of external combustion engines is detailed as part of the history of the car, but often treated separately from the development of true cars. A variety of steam-powered road vehicles were used during the first part of the 19th century, including steam cars, steam buses, phaetons, and steam rollers. Sentiment against them led to the Locomotive Acts of 1865.

In 1807, Nicéphore Niépce and his brother Claude created what was probably the world's first internal combustion engine (which they called a Pyréolophore), but they chose to install it in a boat on the river Saone in France.[26] Coincidentally, in 1807 the Swiss inventor François Isaac de Rivaz designed his own 'de Rivaz internal combustion engine' and used it to develop the world's first vehicle to be powered by such an engine. The Niépces' Pyréolophore was fuelled by a mixture of Lycopodium powder (dried spores of the Lycopodium plant), finely crushed coal dust and resin that were mixed with oil, whereas de Rivaz used a mixture of hydrogen and oxygen.[26] Neither design was very successful, as was the case with others, such as Samuel Brown, Samuel Morey, and Etienne Lenoir with his hippomobile, who each produced vehicles (usually adapted carriages or carts) powered by internal combustion engines.[1]

Car hire excess insurance canada Gustave Trouvé's tricycle, the first ever electric automobile to be shown in public Does buying a cat c car affect insurance adjuster Karl Benz, the inventor of the modern car

In November 1881, French inventor Gustave Trouvé demonstrated the first working (three-wheeled) car powered by electricity at the International Exposition of Electricity, Paris.[27] Although several other German engineers (including Gottlieb Daimler, Wilhelm Maybach, and Siegfried Marcus) were working on the problem at about the same time, Karl Benz generally is acknowledged as the inventor of the modern car.[1]

Test drive car dealer insurance A photograph of the original Benz Patent-Motorwagen, first built in 1885 and awarded the patent for the concept

In 1879, Benz was granted a patent for his first engine, which had been designed in 1878. Many of his other inventions made the use of the internal combustion engine feasible for powering a vehicle. His first Motorwagen was built in 1885 in Mannheim, Germany. He was awarded the patent for its invention as of his application on 29 January 1886 (under the auspices of his major company, Benz & Cie., which was founded in 1883). Benz began promotion of the vehicle on 3 July 1886, and about 25 Benz vehicles were sold between 1888 and 1893, when his first four-wheeler was introduced along with a model intended for affordability. They also were powered with four-stroke engines of his own design. Emile Roger of France, already producing Benz engines under license, now added the Benz car to his line of products. Because France was more open to the early cars, initially more were built and sold in France through Roger than Benz sold in Germany. In August 1888 Bertha Benz, the wife of Karl Benz, undertook the first road trip by car, to prove the road-worthiness of her husband's invention.

Car insurance cheaper than usaa Bertha Benz, the first long distance car driver in the world

In 1896, Benz designed and patented the first internal-combustion flat engine, called boxermotor. During the last years of the nineteenth century, Benz was the largest car company in the world with 572 units produced in 1899 and, because of its size, Benz & Cie., became a joint-stock company. The first motor car in central Europe and one of the first factory-made cars in the world, was produced by Czech company Nesselsdorfer Wagenbau (later renamed to Tatra) in 1897, the Präsident automobil.

Daimler and Maybach founded Daimler Motoren Gesellschaft (DMG) in Cannstatt in 1890, and sold their first car in 1892 under the brand name Daimler. It was a horse-drawn stagecoach built by another manufacturer, which they retrofitted with an engine of their design. By 1895 about 30 vehicles had been built by Daimler and Maybach, either at the Daimler works or in the Hotel Hermann, where they set up shop after disputes with their backers. Benz, Maybach and the Daimler team seem to have been unaware of each other's early work. They never worked together; by the time of the merger of the two companies, Daimler and Maybach were no longer part of DMG. Daimler died in 1900 and later that year, Maybach designed an engine named Daimler-Mercedes that was placed in a specially ordered model built to specifications set by Emil Jellinek. This was a production of a small number of vehicles for Jellinek to race and market in his country. Two years later, in 1902, a new model DMG car was produced and the model was named Mercedes after the Maybach engine, which generated 35 hp. Maybach quit DMG shortly thereafter and opened a business of his own. Rights to the Daimler brand name were sold to other manufacturers.

Karl Benz proposed co-operation between DMG and Benz & Cie. when economic conditions began to deteriorate in Germany following the First World War, but the directors of DMG refused to consider it initially. Negotiations between the two companies resumed several years later when these conditions worsened and, in 1924 they signed an Agreement of Mutual Interest, valid until the year 2000. Both enterprises standardized design, production, purchasing, and sales and they advertised or marketed their car models jointly, although keeping their respective brands. On 28 June 1926, Benz & Cie. and DMG finally merged as the Daimler-Benz company, baptizing all of its cars Mercedes Benz, as a brand honoring the most important model of the DMG cars, the Maybach design later referred to as the 1902 Mercedes-35 hp, along with the Benz name. Karl Benz remained a member of the board of directors of Daimler-Benz until his death in 1929, and at times his two sons also participated in the management of the company.

No fault car insurance policies Émile Levassor Direct line car insurance advert 2012 nfl Armand Peugeot

In 1890, Émile Levassor and Armand Peugeot of France began producing vehicles with Daimler engines, and so laid the foundation of the automotive industry in France. In 1891, Auguste Doriot and his Peugeot colleague Louis Rigoulot completed the longest trip by a gasoline-powered vehicle when their self-designed and built Daimler powered Peugeot Type 3 completed 2,100 km (1,300 miles) from Valentigney to Paris and Brest and back again. They were attached to the first Paris–Brest–Paris bicycle race, but finished 6 days after the winning cyclist, Charles Terront.

The first design for an American car with a gasoline internal combustion engine was made in 1877 by George Selden of Rochester, New York. Selden applied for a patent for a car in 1879, but the patent application expired because the vehicle was never built. After a delay of sixteen years and a series of attachments to his application, on 5 November 1895, Selden was granted a United States patent (U.S. Patent 549,160) for a two-stroke car engine, which hindered, more than encouraged, development of cars in the United States. His patent was challenged by Henry Ford and others, and overturned in 1911.

In 1893, the first running, gasoline-powered American car was built and road-tested by the Duryea brothers of Springfield, Massachusetts. The first public run of the Duryea Motor Wagon took place on 21 September 1893, on Taylor Street in Metro Center Springfield.[28][29] The Studebaker Automobile Company, subsidiary of a long-established wagon and coach manufacturer, started to build cars in 1897[30]:p.66 and commenced sales of electric vehicles in 1902 and gasoline vehicles in 1904.[31]

In Britain, there had been several attempts to build steam cars with varying degrees of success, with Thomas Rickett even attempting a production run in 1860.[32] Santler from Malvern is recognized by the Veteran Car Club of Great Britain as having made the first gasoline-powered car in the country in 1894,[33] followed by Frederick William Lanchester in 1895, but these were both one-offs.[33] The first production vehicles in Great Britain came from the Daimler Company, a company founded by Harry J. Lawson in 1896, after purchasing the right to use the name of the engines. Lawson's company made its first car in 1897, and they bore the name Daimler.[33]

In 1892, German engineer Rudolf Diesel was granted a patent for a "New Rational Combustion Engine". In 1897, he built the first diesel engine.[1] Steam-, electric-, and gasoline-powered vehicles competed for decades, with gasoline internal combustion engines achieving dominance in the 1910s. Although various pistonless rotary engine designs have attempted to compete with the conventional piston and crankshaft design, only Mazda's version of the Wankel engine has had more than very limited success.

Mass production

See also: Automotive industry Tesco multi car insurance uk go compare Ransom E. Olds, founder of the Olds Motor Vehicle Company in 1897 (later known as Oldsmobile). Price compare for car insurance Henry Ford, founder of the Ford Motor Company in 1903. Car insurance ombudsman wa 1927 Ford Model T Usa car hire including insurance commissioner Kiichiro Toyoda, president of the Toyota Motor Corporation between 1941 and 1950. Get car insurance quotes from multiple insurers inc Mass production at a Toyota plant in the 1950s.

The large-scale, production-line manufacturing of affordable cars was debuted by Ransom Olds in 1901 at his Oldsmobile factory located in Lansing, Michigan and based upon stationary assembly line techniques pioneered by Marc Isambard Brunel at the Portsmouth Block Mills, England, in 1802. The assembly line style of mass production and interchangeable parts had been pioneered in the U.S. by Thomas Blanchard in 1821, at the Springfield Armory in Springfield, Massachusetts.[34] This concept was greatly expanded by Henry Ford, beginning in 1913 with the world's first moving assembly line for cars at the Highland Park Ford Plant.

As a result, Ford's cars came off the line in fifteen-minute intervals, much faster than previous methods, increasing productivity eightfold, while using less manpower (from 12.5-man-hours to 1 hour 33 minutes).[35] It was so successful, paint became a bottleneck. Only Japan Black would dry fast enough, forcing the company to drop the variety of colors available before 1913, until fast-drying Duco lacquer was developed in 1926. This is the source of Ford's apocryphal remark, "any color as long as it's black".[35] In 1914, an assembly line worker could buy a Model T with four months' pay.[35]

Ford's complex safety procedures—especially assigning each worker to a specific location instead of allowing them to roam about—dramatically reduced the rate of injury. The combination of high wages and high efficiency is called "Fordism," and was copied by most major industries. The efficiency gains from the assembly line also coincided with the economic rise of the United States. The assembly line forced workers to work at a certain pace with very repetitive motions which led to more output per worker while other countries were using less productive methods.

In the automotive industry, its success was dominating, and quickly spread worldwide seeing the founding of Ford France and Ford Britain in 1911, Ford Denmark 1923, Ford Germany 1925; in 1921, Citroen was the first native European manufacturer to adopt the production method. Soon, companies had to have assembly lines, or risk going broke; by 1930, 250 companies which did not, had disappeared.[35]

Development of automotive technology was rapid, due in part to the hundreds of small manufacturers competing to gain the world's attention. Key developments included electric ignition and the electric self-starter (both by Charles Kettering, for the Cadillac Motor Company in 1910–1911), independent suspension, and four-wheel brakes.

Since the 1920s, nearly all cars have been mass-produced to meet market needs, so marketing plans often have heavily influenced car design. It was Alfred P. Sloan who established the idea of different makes of cars produced by one company, called the General Motors Companion Make Program, so that buyers could "move up" as their fortunes improved.

Reflecting the rapid pace of change, makes shared parts with one another so larger production volume resulted in lower costs for each price range. For example, in the 1930s, LaSalles, sold by Cadillac, used cheaper mechanical parts made by Oldsmobile; in the 1950s, Chevrolet shared hood, doors, roof, and windows with Pontiac; by the 1990s, corporate powertrains and shared platforms (with interchangeable brakes, suspension, and other parts) were common. Even so, only major makers could afford high costs, and even companies with decades of production, such as Apperson, Cole, Dorris, Haynes, or Premier, could not manage: of some two hundred American car makers in existence in 1920, only 43 survived in 1930, and with the Great Depression, by 1940, only 17 of those were left.[35]

In Europe, much the same would happen. Morris set up its production line at Cowley in 1924, and soon outsold Ford, while beginning in 1923 to follow Ford's practice of vertical integration, buying Hotchkiss (engines), Wrigley (gearboxes), and Osberton (radiators), for instance, as well as competitors, such as Wolseley: in 1925, Morris had 41% of total British car production. Most British small-car assemblers, from Abbey to Xtra, had gone under. Citroen did the same in France, coming to cars in 1919; between them and other cheap cars in reply such as Renault's 10CV and Peugeot's 5CV, they produced 550,000 cars in 1925, and Mors, Hurtu, and others could not compete.[35] Germany's first mass-manufactured car, the Opel 4PS Laubfrosch (Tree Frog), came off the line at Russelsheim in 1924, soon making Opel the top car builder in Germany, with 37.5% of the market.[35]

In Japan, car production was very limited before World War II. Only a handful of companines were producing vehicles in limited numbers, and these were small, three-wheeled for commercial uses, like Daihatsu, or were the result of partnering with European companies, like Isuzu building the Wolseley A-9 in 1922. Mitsubishi was also partnered with Fiat and built the Mitsubishi Model A based on a Fiat vehicle. Toyota, Nissan, Suzuki, Mazda, and Honda began as companies producing non-automotive products before the war, switching to car production during the 1950s. Kiichiro Toyoda's decision to take Toyoda Loom Works into automobile manufacturing would create what would eventually become Toyota Motor Corporation, the largest automobile manufacturer in the world. Subaru, meanwhile, was formed from a conglomerate of six companies who banded together as Fuji Heavy Industries, as a result of having been broken up under keiretsu legislation.

Fuel and propulsion technologies

I want to sell auto insurance in texas The Nissan Leaf is an all-electric car launched in December 2010 See also: Alternative fuel vehicle

Most cars in use today are propelled by an internal combustion engine, fueled by deflagration of gasoline or diesel. Both fuels are known to cause air pollution and are also blamed for contributing to climate change and global warming.[4] Rapidly increasing oil prices, concerns about oil dependence, tightening environmental laws and restrictions on greenhouse gas emissions are propelling work on alternative power systems for cars. Efforts to improve or replace existing technologies include the development of hybrid vehicles, plug-in electric vehicles and hydrogen vehicles. Vehicles using alternative fuels such as ethanol flexible-fuel vehicles and natural gas vehicles are also gaining popularity in some countries. Cars for racing or speed records have sometimes employed jet or rocket engines, but these are impractical for common use.

Oil consumption in the twentieth and twenty-first centuries has been abundantly pushed by car growth; the 1985–2003 oil glut even fuelled the sales of low-economy vehicles in OECD countries. The BRIC countries are adding to this consumption; in December 2009 China was briefly the largest car market.[36]

User interface

See also: Car controls Car insurance auctions in ohio In the Ford Model T the left-side hand lever sets the rear wheel parking brakes and puts the transmission in neutral. The lever to the right controls the throttle. The lever on the left of the steering column is for ignition timing. The left foot pedal changes the two forward gears while the centre pedal controls reverse. The right pedal is the brake.

Cars are equipped with controls used for driving, passenger comfort and safety, normally operated by a combination of the use of feet and hands, and occasionally by voice on 2000s-era cars. These controls include a steering wheel, pedals for operating the brakes and controlling the car's speed (and, in a manual transmission car, a clutch pedal), a shift lever or stick for changing gears, and a number of buttons and dials for turning on lights, ventilation and other functions. Modern cars' controls are now standardised, such as the location for the accelerator and brake, but this was not always the case. Controls are evolving in response to new technologies, for example the electric car and the integration of mobile communications.

Since the car was first invented, its controls have become fewer and simpler through automation. For example, all cars once had a manual controls for the choke valve, clutch, ignition timing, and a crank instead of an electric starter. However new controls have also been added to vehicles, making them more complex. Examples include air conditioning, navigation systems, and in car entertainment. Another trend is the replacement of physical knob and switches for secondary controls with touchscreen controls such as BMW's iDrive and Ford's MyFord Touch. Another change is that while early cars' pedals were physically linked to the brake mechanism and throttle, in the 2010s, cars have increasingly replaced these physical linkages with electronic controls.


Main article: Automotive lighting Car accident no insurance not at fault washington LED daytime running lights on an Audi A4

Cars are typically fitted with multiple types of lights. These include headlights, which are used to illuminate the way ahead and make the car visible to other users, so that the vehicle can be used at night; in some jurisdictions, daytime running lights; red brake lights to indicate when the brakes are applied; amber turn signal lights to indicate the turn intentions of the driver; white-coloured reverse lights to illuminate the area behind the car (and indicate that the driver will be or is reversing); and on some vehicles, additional lights (e.g., side marker lights) to increase the visibility of the car. Interior lights on the ceiling of the car are usually fitted for the driver and passengers. Some vehicles also have a trunk light and, more rarely, an engine compartment light.


Insurance declaration page progressive car The Smart Fortwo car from 1998-2002, weighing 730 kg (1,610 lb) Cheapest car insurance in pa for young drivers A Chevrolet Suburban extended-length SUV weighs 3,300 kg (7,200 lb) (gross weight)[37]

In the United States, "from 1975 to 1980, average [car] weight dropped from 1,842 to 1,464 kg (4,060 to 3,228 lb), likely in response to rising gasoline prices" and new fuel efficiency standards.[38] The average new car weighed 1,461 kg (3,221 lb) in 1987 but 1,818 kg (4,009 lb) in 2010, due to modern steel safety cages, anti-lock brakes, airbags, and "more-powerful—if more-efficient—engines."[39] Heavier cars are safer for the driver, from an accident perspective, but more dangerous for other vehicles and road users.[39] The weight of a car influences fuel consumption and performance, with more weight resulting in increased fuel consumption and decreased performance. The SmartFortwo, a small city car, weighs 750–795 kg (1,655–1,755 lb). Heavier cars include full-size cars, SUVs and extended-length SUVs like the Suburban.

According to research conducted by Julian Allwood of the University of Cambridge, global energy use could be heavily reduced by using lighter cars, and an average weight of 500 kg (1,100 lb) has been said to be well achievable.[40] In some competitions such as the Shell Eco Marathon, average car weights of 45 kg (99 lb) have also been achieved.[41][42] These cars are only single-seaters (still falling within the definition of a car, although 4-seater cars are more common), but they nevertheless demonstrate the amount by which car weights could still be reduced, and the subsequent lower fuel use (i.e. up to a fuel use of 2560 km/l).[43]

Seating and body style

See also: Car body style

Most cars are designed to carry multiple occupants, often with four or five seats. Cars with five seats typically seat two passengers in the front and three in the rear. Full-size cars and large sport utility vehicles can often carry six, seven, or more occupants depending on the arrangement of the seats. In the other hand, sports cars are most often designed with only two seats. The differing needs for passenger capacity and their luggage or cargo space has resulted in the availability of a large variety of body styles to meet individual consumer requirements that include, among others, the sedan/saloon, hatchback, station wagon/estate, and minivan.


Main articles: Car safety, Traffic accident, Low speed vehicle, and Epidemiology of motor vehicle collisions Dr30 car insurance Result of a serious car accident

Road traffic accidents are the largest cause of injury-related deaths worldwide.[6] Mary Ward became one of the first documented car fatalities in 1869 in Parsonstown, Ireland,[44] and Henry Bliss one of the United States' first pedestrian car casualties in 1899 in New York City.[45] There are now standard tests for safety in new cars, such as the EuroNCAP and the US NCAP tests,[46] and insurance-industry-backed tests by the Insurance Institute for Highway Safety (IIHS).[47]

Worldwide, road traffic is becoming ever safer, in part due to efforts by the government to implement safety features in cars (e.g., seat belts, air bags, etc.), reduce unsafe driving practices (e.g., speeding, drinking and driving and texting and driving) and make road design more safe by adding features such as speed bumps, which reduce vehicle speed, and roundabouts, which reduce the likelihood of a head-on-collision (as compared with an intersection).

Costs and benefits

Main articles: Economics of car usage, Car costs, and Effects of the car on societies Iffco tokio car insurance gurgaon pin Road congestion is an issue in many major cities. (pictured is Chang'an Avenue in Beijing)[48]

The costs of car usage, which may include the cost of: acquiring the vehicle, repairs and auto maintenance, fuel, depreciation, driving time, parking fees, taxes, and insurance,[5] are weighed against the cost of the alternatives, and the value of the benefits – perceived and real – of vehicle usage. The benefits may include on-demand transportation, mobility, independence and convenience.[7] During the 1920s, cars had another benefit: "[c]ouples finally had a way to head off on unchaperoned dates, plus they had a private space to snuggle up close at the end of the night."[49]

Similarly the costs to society of encompassing car use, which may include those of: maintaining roads, land use, air pollution, road congestion, public health, health care, and of disposing of the vehicle at the end of its life, can be balanced against the value of the benefits to society that car use generates. The societal benefits may include: economy benefits, such as job and wealth creation, of car production and maintenance, transportation provision, society wellbeing derived from leisure and travel opportunities, and revenue generation from the tax opportunities. The ability for humans to move flexibly from place to place has far-reaching implications for the nature of societies.[8]

Environmental impact

See also: Exhaust gas Priceline name your own price car rental insurance Vehicles in use per country from 2001 to 2007. It shows the significant growth in BRIC. Compare the meerkat temporary car insurance World map of passenger cars per 1000 people

While there are different types of fuel that may power cars, most rely on gasoline or diesel. The United States Environmental Protection Agency states that the average vehicle emits 8,887 grams of carbon dioxide per gallon of gasoline. The average vehicle running on diesel fuel will emit 10,180 grams of carbon dioxide.[50] Many governments are using fiscal policies (such as road tax or the US gas guzzler tax) to influence vehicle purchase decisions, with a low CO2 figure often resulting in reduced taxation.[51] Fuel taxes may act as an incentive for the production of more efficient, hence less polluting, car designs (e.g. hybrid vehicles) and the development of alternative fuels. High fuel taxes may provide a strong incentive for consumers to purchase lighter, smaller, more fuel-efficient cars, or to not drive. On average, today's cars are about 75 percent recyclable, and using recycled steel helps reduce energy use and pollution.[52] In the United States Congress, federally mandated fuel efficiency standards have been debated regularly, passenger car standards have not risen above the 27.5 miles per US gallon (8.6 L/100 km; 33.0 mpg‑imp) standard set in 1985. Light truck standards have changed more frequently, and were set at 22.2 miles per US gallon (10.6 L/100 km; 26.7 mpg‑imp) in 2007.[53]

The manufacture of vehicles is resource intensive, and many manufacturers now report on the environmental performance of their factories, including energy usage, waste and water consumption.[54]

The growth in popularity of the car allowed cities to sprawl, therefore encouraging more travel by car resulting in inactivity and obesity, which in turn can lead to increased risk of a variety of diseases.[55]

Transportation (of all types including trucks, buses and cars) is a major contributor to air pollution in most industrialised nations. According to the American Surface Transportation Policy Project nearly half of all Americans are breathing unhealthy air. Their study showed air quality in dozens of metropolitan areas has worsened over the last decade.[56]

Animals and plants are often negatively impacted by cars via habitat destruction and pollution. Over the lifetime of the average car the "loss of habitat potential" may be over 50,000 m2 (540,000 sq ft) based on primary production correlations.[57] Animals are also killed every year on roads by cars, referred to as roadkill. More recent road developments are including significant environmental mitigations in their designs such as green bridges to allow wildlife crossings, and creating wildlife corridors.

Growth in the popularity of vehicles and commuting has led to traffic congestion. Brussels was considered Europe's most congested city in 2011 according to TomTom.[58]

Emerging car technologies

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Car propulsion technologies that are under development include gasoline/electric and plug-in hybrids, battery electric vehicles, hydrogen cars, biofuels, and various alternative fuels. Research into future alternative forms of power include the development of fuel cells, Homogeneous Charge Compression Ignition (HCCI), Stirling engines,[59] and even using the stored energy of compressed air or liquid nitrogen.

New materials which may replace steel car bodies include duralumin, fiberglass, carbon fiber, and carbon nanotubes. Telematics technology is allowing more and more people to share cars, on a pay-as-you-go basis, through car share and carpool schemes. Communication is also evolving due to connected car systems.

Autonomous car

Main article: Autonomous car Ikube car insurance contact number A robotic Volkswagen Passat shown at Stanford University is a driverless car

Fully autonomous vehicles, also known as driverless cars, already exist in prototype (such as the Google driverless car), and are expected to be commercially available around 2020. According to urban designer and futurist Michael E. Arth, driverless electric vehicles—in conjunction with the increased use of virtual reality for work, travel, and pleasure—could reduce the world's 800 million vehicles to a fraction of that number within a few decades.[60] This would be possible if almost all private cars requiring drivers, which are not in use and parked 90% of the time, would be traded for public self-driving taxis that would be in near constant use. This would also allow for getting the appropriate vehicle for the particular need—a bus could come for a group of people, a limousine could come for a special night out, and a Segway could come for a short trip down the street for one person. Children could be chauffeured in supervised safety, DUIs would no longer exist, and 41,000 lives could be saved each year in the US alone.[61][62]

Open source development

Main article: Open source car

There have been several projects aiming to develop a car on the principles of open design, an approach to designing in which the plans for the machinery and systems are publicly shared, often without monetary compensation. The projects include OScar, Riversimple (through 40fires.org)[63] and c,mm,n.[64] None of the projects have reached significant success in terms of developing a car as a whole both from hardware and software perspective and no mass production ready open-source based design have been introduced as of late 2009. Some car hacking through on-board diagnostics (OBD) has been done so far.[65]


Main article: Automotive industry Car insurance cover note wars A car being assembled in a factory

The automotive industry designs, develops, manufactures, markets, and sells the world's motor vehicles. In 2008, more than 70 million motor vehicles, including cars and commercial vehicles were produced worldwide.[66]

In 2007, a total of 71.9 million new cars were sold worldwide: 22.9 million in Europe, 21.4 million in the Asia-Pacific Region, 19.4 million in the USA and Canada, 4.4 million in Latin America, 2.4 million in the Middle East and 1.4 million in Africa.[67] The markets in North America and Japan were stagnant, while those in South America and other parts of Asia grew strongly. Of the major markets, China, Russia, Brazil and India saw the most rapid growth.

About 250 million vehicles are in use in the United States. Around the world, there were about 806 million cars and light trucks on the road in 2007; they burn over 260 billion US gallons (980,000,000 m3) of gasoline and diesel fuel yearly. The numbers are increasing rapidly, especially in China and India.[11] In the opinion of some, urban transport systems based around the car have proved unsustainable, consuming excessive energy, affecting the health of populations, and delivering a declining level of service despite increasing investments. Many of these negative impacts fall disproportionately on those social groups who are also least likely to own and drive cars.[68][69][70] The sustainable transport movement focuses on solutions to these problems.

In 2008, with rapidly rising oil prices, industries such as the automotive industry, are experiencing a combination of pricing pressures from raw material costs and changes in consumer buying habits. The industry is also facing increasing external competition from the public transport sector, as consumers re-evaluate their private vehicle usage.[71] Roughly half of the US's fifty-one light vehicle plants are projected to permanently close in the coming years, with the loss of another 200,000 jobs in the sector, on top of the 560,000 jobs lost this decade.[72] Combined with robust growth in China, in 2009, this resulted in China becoming the largest car producer and market in the world. China 2009 sales had increased to 13.6 million, a significant increase from one million of domestic car sales in 2000.[73] Since then however, even in China and other BRIC countries, the automotive production is again falling.[74]


Main article: Alternatives to car use Illinois no car insurance penalty The Vélib' in Paris is the largest bikesharing system outside of China[75]

Established alternatives for some aspects of car use include public transit such as buses, trolleybuses, trains, subways, tramways light rail, cycling, and walking. Car-share arrangements and carpooling are also increasingly popular, in the US and Europe.[76] For example, in the US, some car-sharing services have experienced double-digit growth in revenue and membership growth between 2006 and 2007. Services like car sharing offering a residents to "share" a vehicle rather than own a car in already congested neighborhoods.[77] Bike-share systems have been tried in some European cities, including Copenhagen and Amsterdam. Similar programs have been experimented with in a number of US Cities.[78] Additional individual modes of transport, such as personal rapid transit could serve as an alternative to cars if they prove to be socially accepted.[79]

Other meanings

The term motorcar has formerly also been used in the context of electrified rail systems to denote a car which functions as a small locomotive but also provides space for passengers and baggage. These locomotive cars were often used on suburban routes by both interurban and intercity railroad systems.[80]

See also

  • Cars portal
Main article: Outline of automobiles
  • Car costs
  • Car classification
  • Carfree city
  • List of countries by automobile production
  • List of countries by vehicles per capita
  • Lists of automobiles
  • Motor vehicle theft
  • Noise pollution
  • Peak car
  • Steering
  • Traffic collision
  • Traffic congestion


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Further reading

  • Halberstam, David, The Reckoning, New York, Morrow, 1986. ISBN 0-688-04838-2
  • Kay, Jane Holtz, Asphalt nation : how the automobile took over America, and how we can take it back, New York, Crown, 1997. ISBN 0-517-58702-5
  • Heathcote Williams, Autogeddon, New York, Arcade, 1991. ISBN 1-55970-176-5
  • Wolfgang Sachs: For love of the automobile: looking back into the history of our desires, Berkeley: University of California Press, 1992, ISBN 0-520-06878-5

External links

Hbc credit card car rental insurance Wikimedia Commons has media related to Automobile.
New car insurance plans Wikisource has original text related to this article: California AB 1493
How to choose your car insurance coverage Look up car in Wiktionary, the free dictionary.
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2nd Edition is now Available!

I trust you will find this index helpful in your search for the perfect Downton dish to serve to fellow Downton fans for tea or cocktails. Recipes by meal are listed and I have also provide links to my online guides. You can own many of these recipes– and many more — in my book, Abbey Cooks Entertain: 220 recipes inspired by Downton Abbey, Seasons 1 – 5

SPOILER ALERT: if you haven’t seen all episodes, you may wish to quickly scroll down to the bottom to collect the recipe.

Famous Downton Dishes

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The famous raspberry meringue pudding (ITV)

  • Apple Crumble
  • Apple Charlotte
  • Asparagus Feuilletés
  • Bubble and Squeak
  • Crêpe Suzette
  • Eggs en Cocotte
  • Hollandaise Sauce
  • Kedgeree
  • Kidney Souffle
  • Pâté
  • Peach Melba
  • Plum Pudding
  • Raspberry Meringue Pudding
  • Mousse (Tomato & Dill) 
  • Roast Chicken
  • Smoked Salmon
  • Spotted Dick
  • Strawberry Charlotte Russe
  • Victoria Sandwich

Hosting Guides

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Throw a Downton tea party…on national TV (click to view video clip)

  • Hosting a Downton Party
  • Downton Cocktail Party
  • Guide to Afternoon Tea
  • Host a Downton Tea party
  • Servant’s Hall Tribute
  • 1st Class Titantic Tribute
    • 1st Class menu
    • 2nd Class menu
    • 3rd Class/Steerage menu
  • Garden Party aka Tea Outside


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Creating a special romantic meal can be as simple as making everything heart shaped, including sandwiches.


    • Asparagus Feuilletés
    • Canapés à L’Amiral
    • Lobster Rissoles
    • Oysters à la Russe
    • Parmesan Straws
    • Smoked Salmon

Main Courses:  keep it light

    • Baked Haddock with Sharp Sauce
    • Chicken Lyonnaise
    • Duck confit
    • Lobster Tails Steamed in Beer
    • Poached Salmon with Mousseline Sauce
    • Stuffed Pork Tenderloin
    • Roasted Squab

Sweets for the Sweet

    • Almond Macaroons
    • Earl Grey Chocolate Mousse
    • Chocolate Biscuit Cake
    • Chocolate Charlotte Russe
    • Chocolate Souffle
    • Coconut Ice
    • Cornish Banana Cake (NEW)
    • Courting Cake
    • Pain au Chocolat
    • Peanut Butter Fudge
    • Caramel Truffles
    • Dusted Truffles
    • Healthier Syllabub
    • Turkish Delight
    • Wellesley Fudge Cupcakes


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S1E1 Breakfast at Downton (ITV)

  • Breakfast Pudding
  • Currant Buns
  • Crumpets
  • English Muffins
  • Hot Cross Buns
  • Oatmeal Porridge
  • Low fat Oatmeal Fruit Gems (muffins)
  • Healthy Oatmeal Rhubarb Muffins
  • Omelette Arnold Bennett
  • Potato Farls
  • Amazing Low Fat Pancakes
  • Healthy Pumpkin Bran Loaf/Gems (muffins)
  • Poached Eggs
  • Raisin Bread
  • Lowfat Rhubarb Puffs
  • Rhubarb Gems (muffins)
  • Creamy Scrambled Eggs
  • Non Fat Strawberry Rhubarb Gems (muffins)
  • Sweet Buns
  • Truffled Egg on Toast
  • Low Fat Waffles

Afternoon Tea

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—always time for tea (Carnival Films)

Afternoon tea trays have three levels containing the three S’s: scones, sandwiches and sweets:


  • Abbey Cooks Magic Scone Recipe
    • Variations for plain, sweet or savoury scones:
    • Plain
      • Buttermilk
      • Cream
      • Whole wheat
    • Sweet
      • Chocolate
      • Glazed
      • Dried Fruit
      • Fresh/Frozen Berries
      • Wholewheat and date
    • Savoury Scones
      • Cheese and Chive
      • Fresh Herb

MIDDLE:  Sandwiches/Savouries


  • Coronation Chicken
  • Cucumber
  • Cucumber and Smoked Salmon
  • Egg
  • Salmon
  • Tuna
  • Watercress


  • Gougères (cheese puffs)
  • Goat Cheese and Fig Canapes on Raisin Bread
  • Salmon Mousse Pinwheels
  • Easy Smoked Salmon Pinwheels
  • Stilton and Fig Tarts
  • Tomato Tart
  • Truffled Wild Mushroom Tartlets
  • Quinoa Cakes with Lemon Yoghurt Sauce


  • Biscuits
    • Coconut Sandwiches
    • Florentines
    • Ladyfingers
    • Madeleines
      • Basic
      • Chocolate
      • Earl Grey Imperial
    • Chocolate Dipped Oreos
    • Oatcakes
    • Classic Never Fail Shortbread
  • Cakes
    • Angel Food Cake
    • Battenburg Cake
    • Guilt Free Carrot Cake
    • Charlotte Russe
    • Chocolate Biscuit Cake (Prince William’s favorite)
    • Cornish Banana Cake (NEW)
    • Courting Cake
    • Garden Cake 
    • Lavender Lemon Tea Cake
    • Light Lemon Yoghurt Loaf
    • Madeira Cake
    • Rhubarb Cake
    • Victoria Sandwich (NEW)
    • Victoria Sandwich (low fat)
  • Fruit Breads
    • Banana Bread
    • Cup of Tea Cake
    • Currant Buns
    • Eccles Cakes
    • Fabulous Fruitcake
    • Mincemeat Cake
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    • Pumpkin Banana Bread
    • Pumpkin Bran Loaf/Muffins
  • Sweet treats
    • Bonbons 
    • Coconut Ice (NEW)
    • Earl Grey Chocolate Mousse
    • Eclairs
    • Financiers
    • Macaroons
    • Pain au Chocolat
    • Peanut Butter Fudge
    • Rock Cakes
    • Sugar Plums
    • Truffles
      • Caramel Truffles
      • Dusted Truffles
    • Turkish Delight
    • Wellesley Fudge Cupcakes
  • Squares
    • Almond & Rose Petal Squares
    • Brownies
      • Guilt-free Brownies
      • Healthy Black Bean Brownies
    • Flapjacks 
  • Tarts
    • Bakewell Tart
    • Banbury tarts
    • Low Fat Berry Tarts
    • Clafouti
    • Chocolate Perfection Pie (the Queen’s favorite)
    • Custard Tarts (pastel de natas)
    • Jam Tarts
    • Low Fat Pumpkin Tarlets
    • Manchester Pudding
    • Treacle Tarts

Garden Party

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Covered dining at Downton garden party (ITV)

Think of garden parties of the Downton era as “tea outside”.  You can make any of the tea recipes and cakes from other sections of this index for your garden party.  In addition you will delight your guests with cold meats and salads, and ices (ice creams).

  • Cold Dishes
    • Celebration Sandwich
    • Jiggly Strawberry Jelly
    • Pâté
    • Sea Glass Jelly 
    • Smoked Salmon
    • Vegetable Terrine
    • Healthier Syllabub
    • Low Fat Rhubarb Fool 
  • Ices
    • Chocolate Frozen Yoghurt
    • Light Peaches and Lavender Ice Cream
    • Strawberry Ice
    • Vanilla Ice Cream

Elegant Dining with the Crawleys

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Dining was Serious Business (Carnival Films)

  • Appetizers (see also Afternoon Tea Savouries)
    • Asparagus Feuilletés
    • Canapés à L’Amiral (Titanic)
    • Deviled Eggs
    • Eggs Drumkilbo
    • Lobster Rissoles
    • Oysters à la Russe (Titanic)
    • Pâté
    • Parmesan Straws
    • Smoked Salmon
  • Salads
    • Asparagus Salad with Champagne-Saffron Viniagrette (Titanic)
    • Beet Salad
  • Soups
    • Consummé Olga (Titanic)
    • Consummé Tapioca (Titanic)
    • Cream of Barley (Titanic)
    • Cullen Skink
    • Rice Soup (Titanic)
  • Main Course
    • Baked Haddock with Sharp Sauce (Titanic)
    • Baked Ham
    • Boeuf Bourgignon
    • Calvados-glazed Duck (Titanic)
    • Chamomile Tea Salmon
    • Chicken Banana Curry
    • Chicken Lyonnaise (Titanic)
    • Curried Chicken and Rice (Titanic)
    • Roast and Confit of Duck with Roasted Potatoes and Sour Cherries (NEW)
    • Filet Mignons Lili (Titanic)
    • Halibut with Blackberry Sauce
    • Kidney Souffle
    • Crown Roast of Lamb
    • Lamb with Mint Sauce (Titanic)
    • Lavender Crusted Halibut
    • Lobster with Angel Hair Pasta
    • Lobster Thermidor (Titanic)
    • Lobster Tails Steamed in Beer
    • Pâté de Fois Gras (Titanic)
    • Poached Salmon with Mousseline Sauce (Titanic)
    • Roast Beef with Gravy (Titanic)
    • Roasted Squab (Titanic)
    • Squash Risotto
    • Stuffed Pork Tenderloin
    • Stuffed Whole Salmon
    • Grilled Salmon with Rhubarb Sherry Sauce 
    • Turkey with Cranberry Sauce (Titanic)
    • Walnut Crusted Baked Halibut
  • Side Dishes
    • Chateau Potatoes (Titanic)
    • Creamed Carrots (Titanic)
    • Glamorgan Sausages
    • Green Beans
    • Minted Green Pea Timbales (Titanic)
    • Parmentier Potatoes (Titanic)
    • The Best Mashed Potatoes
    • Peas in Béchamel
    • Smoked Salmon (NEW)
    • Turnip Purée (Titanic)
    • Vegetable Marrow Farci (Titanic)
  • Palate Cleansers
    • Wine Jelly (Titanic)
    • Punch Romaine (Titanic)
  • Desserts
    • American Ice Cream (Titanic)
    • Bonnie Cranachan 
    • Chocolate Charlotte Russe
    • Chocolate Painted Eclairs (Titanic)
    • Chocolate Perfection Pie (the Queen’s favorite)
    • Chocolate Souffle
    • Clafouti
    • Coconut Sandwiches (Titanic)
    • Cornish Banana Cake (NEW)
    • Cranberry Torte
    • Eton Mess
    • French Ice Cream (Titanic)
    • Peaches in Chartreuse Jelly (Titanic)
    • Plum Pudding (Titanic)
    • Low Fat Rhubarb Fool
    • Rhubarb Orange Brown Betty
    • Royal Chocolate Cake
    • Strawberries with Madeira
    • Strawberry Charlotte Russe
    • Healthier Syllabub
    • Healthier Trifle
    • Waldorf Pudding (Titanic)

Downstairs in the Servants Hall

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Food downstairs was substantial to help fuel the staff (ITV)

  • Soups
    • Beef and Barley Soup
    • Chicken Noodle Soup
    • Cock-a-Leekie
    • Cullen Skink
    • Ham & Potato Soup 
  • Comfort Foods
    • Baked Ham
    • Beef Rolls
    • Cream Peas on Toast (Peas in Béchamel
    • Cottage Pie 
    • Hotpot
    • Irish Stew
    • Main Dish Colcannon
    • Mince and Tatties
    • Meatloaf
    • Pork Stew
    • Roast Beef with Gravy (Titanic)
    • Shepherd’s Pie
    • Turkey with Cranberry Sauce (Titanic)
    • Vegetable Pie
  • Side Dishes
    • Colcannon Cakes
    • Glamorgan Sausages
    • Green Beans
    • Smoked Salmon (NEW)
    • Summer Vegetable Casserole
    • The Best Mashed Potatoes
  • Desserts
    • Apple Cheddar Crumble
    • Low Fat Apple Crumble
    • Apple Raisin Crumble Pie
    • Baked Rice Pudding
    • Peach and Blueberry Galette
    • Peach Pie
    • Plum Crumble
    • Low Fat Pumpkin Pie
    • Rhubarb Cake
    • Healthier Rhubarb Crumble 
    • Rhubarb Strawberry Pie
    • Sea Glass Jelly 
    • Serviceberry Pie


  • Auld Man’s Milk
  • Drinking (Hot) Chocolate (NEW)
  • Pimm’s Punch
  • Pimm’s Cup
  • Pink Shocker
  • Punch Romaine
  • Rhubarb Bellini


  • Anchovy Sauce
  • Unsweetened Apple Sauce
  • Clotted Cream
  • Créme Anglais (NEW)
  • Earl Grey Créme Anglais
  • Horsesradish (NEW)
  • Fish Stock
  • Hollandaise Sauce
  • Lemon Curd
  • Mincemeat
  • Mousseline Sauce
  • Panko
  • Perfecting your Pumpkin Pie
  • Pie Pastry
  • Pumpkin Puree
  • Short Crust Pastry
  • Rhubarb Ginger Jam 
  • Strawberry and Champagne Jam
  • Strawberry and Rhubarb Jam
  • Turkey Giblet Broth
  • Turkey Pan Gravy

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Marsh has today announced that it has reached agreement with AXA Group to acquire Bluefin Insurance Group Limited (Bluefin), a subsidiary of AXA UK plc. The transaction, which is subject to regulatory approval, is expected to close in the first quarter of 2017.

Founded in 2008, Bluefin has approximately 1,500 colleagues based in 45 locations around the UK, providing guidance on creating insurance solutions to over 150,000 businesses and individuals. In addition to insurance broking, it also operates an extensive broker network and growing Managing General Agent business.

On completion, Marsh will combine Bluefin and Jelf into a single business unit to be led by Phil Barton, CEO of Jelf, and a management team drawn from both firms. This unit will bring together two leading community brokers with complementary regional offices across the UK, serving over 250,000 clients in 80 locations. It will also include around 400 network broker members as well as a strong affinity and digital offering.

The combined business will be one of the UK’s leading insurance brokers for mid-size and SME companies, offering a compelling proposition through its commitment to high quality technical advice, bespoke products and distinctive services including claims consultancy and risk management. It will also provide intelligent risk insights that will enable companies to address emerging risks such as cyber, as well as people-related issues through a strong employee benefits team.

“We want to make sure that businesses of all sizes are getting the very best risk and insurance advice to help them navigate the uncertainties of today’s environment. Bringing the Bluefin and Jelf teams together will give us a great platform to do just that,” said Mark Weil, Marsh’s CEO for UK & Ireland. “We are investing in new policies, products and analytic tools to help businesses make informed choices on how best to manage the risks they face. Under Rob Organ, Bluefin have built a fantastic business and we look forward to welcoming him and his colleagues to the firm.”

Mr Barton added: “Since Marsh’s acquisition of Jelf last year we have been able to deliver the value and expertise that comes from being part of a global firm to our clients while maintaining the entrepreneurial spirit we’re known for. By combining Bluefin and Jelf, we will now have the footprint and capabilities to provide better client service to companies of all sizes across the UK.”

Robert Organ, CEO of Bluefin, commented: “This announcement is great news for our clients and colleagues and gives Bluefin a strong, long-term owner from which to grow. Clients will benefit from access to unrivalled global expertise, delivered locally and our colleagues will have expanded career opportunities in a major broking business that puts them and their clients first. Together with colleagues in Jelf, we will present a leading risk and insurance offering to businesses and individuals across the UK.”

“We are very happy to be able to agree to this transaction with Marsh,” said Amanda Blanc, CEO of AXA UK & Ireland. “As market dynamics have evolved and our own strategy has progressed, it has become increasingly apparent that Bluefin’s ability to achieve its potential would be better served under a new parent. I would like to take this opportunity to thank Bluefin’s teams for their great contribution over the years.”


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