May 17, 2012

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Cheap Van Insurance

January 20, 2011 By Jemma P Leave a Comment

If you are a van driver as part of a small business, or perhaps own a fleet of vans on a commercial basis, it is important that you obtain a cheap van insurance premium to ensure that your business is fully protected.

Cheap van insurance is available at a variety of different levels of cover, with comprehensive cover allowing you to transport stock and carry out door-to-door sales with the confidence that you are fully protected. Insurance policies are also available for large commercial vehicles as a van is classed as a vehicle weighing less than 3.5 tones. Many businesses rely on their vans as a source of income, and as such it is imperative that your vehicle(s) are fully protected in the event of an accident, theft or any other damage. Third party insurance cover is available, but as a business owner, it is extremely important that your employees, your stock/ equipment, and your vehicles are completely protected.

You will often find that third party insurance policies often include fire and theft of the vehicle, but it is not typical for them to provide cover for any stock or equipment in the van. It is important that you compare van insurance policies and prices before taking cheap van insurance.

With one third of the quarter of a million traffic accidents that occur every year involving some who was at work, it is vital that your business is adequately covered. It is estimated that 47,000 vans are stolen from small businesses across the UK every year – thus highlighting the need for good quality van insurance. If you van or fleet was off the road due to damage, or perhaps had been stolen, would your business survive without the financial compensation to pay for repairs, or a new car?  Buying cheap van insurance is ideal for small businesses if the policy meets their requirements, but more often than not, a cheap policy means that add-ons not legally required are missing. Make sure that you are not one of the unlucky ones caught out by your cheap van insurance.

Filed Under: Van Insurance

Coach Insurance

January 11, 2011 By Jemma P Leave a Comment

If you operate a coach business, one of your main responsibilities will be ensuring that you have adequate coach insurance cover. It is essential that your coach, or fleet of vehicles are covered to provide a safe and legal working environment. It is important to research the different types of insurance and levels of cover available to ensure that you are fully protected, or alternatively, not paying for unnecessary cover. Your needs will be different to the next person and as such you should always seek a quotation from a reputable insurance provider.

Each insurance broker will offer something slightly different, and specialist brokers might be able to offer you a better quality policy as they will have experience in the area that you require. It is highly advised that you seek a tailor made policy to ensure that you receive the correct protection.

As a coach driver, the likelihood that you will be carrying passengers will be pretty high, and as such, it is recommended to obtain a more comprehensive level of cover. It is also advised that you seek additional cover such as public liability insurance, in the event of an injury to any of your customers. You will often find that optional extras are available to add onto your coach insurance policy, so look out for public liability cover, legal expenses cover, and other relevant insurance.

Comprehensive cover doesn’t necessarily mean that you have to pay an extortionate annual premium, research insurance brokers online and contact them directly to try and obtain a better deal. If you are really looking to save money on your quote, you could always consider increasing your excess, or excluding optional extras. However, if you do this, ensure that you are always aware of your cover so you don’t receive any unexpected bills.

Always look for a coach insurance policy which is able to meet your needs as an individual or a business. Your personal circumstances can have a significant impact on the type of policy you should obtain, and the cost of the policy so ensure that you inform the broker of all the necessary information.

Filed Under: Commercial Vehicle

Commercial Van Insurance

December 27, 2010 By Jemma P Leave a Comment

Most small businesses focusing on van transportation, such as couriers, door-to-door sales, and many others require commercial van insurance to ensure that their business is fully protected from any unexpected costs. There are a number of things that could lead to you needing to claim on your commercial van insurance such as theft, damage, and road traffic accidents. If you do not have adequate cover, you might end up with significant losses in revenue.

If your van is used for business or commercial purposes, it is imperative that you seek an adequate van insurance policy. Whether your vehicle is used simply to transport you between different locations at work, or used as an important part of your business’ activities, it is necessary that you, your business, your employees and your vehicles are protected.

Similarly to standard car insurance, commercial van insurance is available at a variety of levels: comprehensive; third party, fire & theft; and third party only. Although the third party cover is usually the cheapest, it is also the most basic form of cover, and could leave you with huge bills to pay. A more comprehensive level of cover will provide you with full cover for transportation of stock, transporting you between different business locations, door-to-door sales and much more. As a van is legally classed as a vehicle weighing less than 3.5 tonnes, commercial van insurance is available for larger vehicles such as a minibus or small lorry.

There are a number of situations which could leave you struggling to foot the bill if you do not obtain adequate insurance. There are nearly 100,000 road traffic accidents every year across the UK involving someone who was at work. Also, nearly 50,000 commercial vans are stolen from businesses every year. If you are the next victim, will you be fully protected? A suitable van insurance policy should cover you for theft of your vehicle and its contents, damage, accidents, and everything else you would expect from comprehensive cover at a reasonable price.

If you are struggling to find a cheap insurance premium, compare commercial van insurance policies online to find the best deal.

Filed Under: Van Insurance

Compare Car Insurance

November 29, 2010 By Jemma P Leave a Comment

Finding a reasonable car insurance quotation can be difficult for everyone, but particularly for young drivers, classic car drivers, and those with a previous driving conviction. This increase in the difficulty to obtain cheap insurance policies has led to a number of websites offering to compare car insurance. It is always recommended to use a well known insurance comparison site such as comparethemarket.com, confused.com or gocompare.com.

Standard car insurance is usually available in three different levels: comprehensive; third party, fire & theft; and third party only. If you are looking to save on your car insurance premium, the cheapest levels of cover are typically the third party options. However, if you do opt for a reduced level of cover, it is important that you ensure you are fully aware of what you are eligible to claim on.

There isn’t too much you can do to avoid high car insurance premiums and if you want to legally drive in the UK, it is something we all have to live with. However, there are some little things you can do to try and reduce those nasty quotations.

If you are a new, or young driver, it is recommended that you take a Pass Plus test, this will prove to the insurance provider that you are capable of advanced driving skills, and can have a significant impact on your annual premium. If you have a classic car or a modified car, it is often in your best interest to seek a quote from a specialist provider as they can usually offer lower rates than typical providers.

Last but not least, always compare car insurance prices online. The best way to avoid incredibly high car insurance premiums is by shopping around. Price comparison sites are the easiest and quickest way to find the cheapest brokers. You can then always contact the providers with the best quote to see if you can drive down the price even more by removing unnecessary cover, increasing your voluntary excess, and tailoring your policy to your needs.

Car insurance policies can be expensive but there are ways to reduce your premiums, all it takes is a little research to find the best deal for you.

Filed Under: Car Insurance

Chauffeur Insurance

November 29, 2010 By Jemma P Leave a Comment

A chauffeur business is defined as one that uses executive cars to respond to pre-booked appointments, using contracts to form the majority of its business, and drivers do not use a two-way radio. If this accurately describes your business, you will need to ensure that you obtain adequate chauffeur insurance cover. It is often assumed that a taxi insurance policy will cover chauffeurs, but this is not the case. They are two different businesses, and as such the insurance implications for each business is different. To ensure that you are adequately covered, contact a qualified insurance broker to discuss your requirements.

As a chauffeur, you will require chauffeur insurance, but your individual circumstances still need to be taken into consideration. It will be to your benefit that you find an insurance broker who is able to offer you a bespoke quotation, tailored to your needs.

The lowest level cover you can consider is third party only, but it is highly recommended that you consider comprehensive cover as you are carrying paying customers. It is also recommended that you think about obtaining extra cover such as public liability, breakdown assistance, and perhaps legal expenses cover, as these will offer extra protection in the event of an incident.

Your policy is likely to different depending on the type of chauffeur business you are running. Insurance cover will be simpler if you are operating as a sole trader, but if you are the owner of a fleet of vehicles it can be more complex. Fleet insurance policies are available in the event that you have a number of vehicles, and a number of additional drivers. Whatever your needs, ensure that you receive the correct advice from an expert.

Chauffeur insurance policies can be found from many insurance brokers, but sometimes it is worthwhile seeking a specialist or a broker able to accommodate your personal needs. Always ensure that you are adequately covered, and remember that chauffeur insurance is not the same as taxi insurance. The wrong policy type could impact negatively on you and your business.

Filed Under: Commercial Vehicle

Compare Home Insurance

November 27, 2010 By Jemma P Leave a Comment

In the current economic climate, it’s no wonder that we all want to find the best deals on our insurance policies. None of us like paying for it, but there are ways to reduce the cost of your home insurance premiums.

The first piece of advice to anyone looking for cheaper annual premiums is to compare home insurance policies online. The introduction of price comparison websites such as comparethemarket.com and confused.com allow us to run the comparison in a matter of minutes. This is an ideal way to see which insurance providers are offering the cheapest premiums, and also saves a lot of time.

Once you have chosen a few potential options, it is important that you compare home insurance policies to establish which one offers you what you require from your cover. Home insurance can cover you building, contents or both – and the cover you choose will usually depend on whether you own or rent your property.

Home contents insurance typically covers you against theft and damage to your belongings within your home. The price of your policy will vary depending on the value you estimate your personal possessions to amount to, for example, cover up to £5,000 will be a lot cheaper than cover on items up to £30,000.  Most websites allow you to modify your contents insurance quote online and see the change in the price as you do so. If you live in rented accommodation, it is likely that your landlord will have a buildings insurance policy, but this will not cover your contents. One way to reduce the cost is to ensure that you abide to security measures, such as using an intruder alarm, and putting locks on all your doors and windows.

Buildings insurance is completely different, this covers the structure of your home, protection against fire and water damage, and the cost of rebuilding your property. The easiest way to purchase home insurance is to purchase a combined buildings and home contents insurance policy. Always ensure that your home is adequately covered and find the best price by comparing home insurance.

Filed Under: Home Insurance

Cheap Boat Insurance

November 26, 2010 By Jemma P Leave a Comment

If you are the proud new owner of a boat, it can be extremely difficult to find cheap boat insurance. It can be a daunting task, particularly trying to understand the concept of the insurance as this can be confusing and misleading. More often than not, we will always pick the cheapest quotation we are offered, and this can leave you without adequate cover, or without important aspects of insurance that you assumed would be covered. It is extremely important that you read your policy documents thoroughly to ensure that you are aware of what you are eligible to claim for.

There are two types of insurance available for boat owners: agreed value or actual cash value. Expert analysts have established that the main difference between these types of cover is the depreciation of the boat. Boat owners may find that they benefit more from an agreed value policy as the value covered by the insurance policy can be extended to cover to the total loss. Additionally, agreed value policies typically replace damaged parts with new ones. Although there are some obvious advantages to an agreed value policy, an actual cash value policy often pays out enough to replace the financial value of the lost vessel. This boat insurance is often more suitable for more expensive boats.

Although it is always better to go for a quality insurance policy, over cheap boat insurance, that doesn’t mean there aren’t ways to try and lower your premiums. For example, some boat insurance policies can be added to your home insurance, so it is advised that you check with your current provider. If you have already established a relationship with your insurance provider, you will know that you are putting your boat in the hands of a reputable and trustworthy broker. Many insurance providers offer additional discounts and offers if you hold two or more policies with them, so ask your current provider for further information.

When you take out a boat insurance policy, ensure that you are fully aware of the terms specified in your policy to avoid any unexpected costs.

Filed Under: Boat Insurance

Bus Insurance

November 26, 2010 By Jemma P Leave a Comment

If you drive a bus, you need to take out a bus insurance policy. The cover is designed to protect you, your passengers, and any other drivers on the road against the consequence of an accident. There are a wide variety of policies available from a number of reputable insurance brokers, and you will easily obtain a policy whether you’re an individual or operating as part of a fleet.

As a bus driver it is possible that you will be required to travel abroad, and as such it is necessary for you to accommodate this by obtaining European cover as part of your bus insurance. You should also consider additional extras, which will increase the price of your annual premium, but could end up saving a lot of money in the long run. You could consider breakdown cover, public liability cover, employer’s liability cover, personal accident insurance and legal expenses cover. All of these extras will ensure that your business is fully protected in the event of an incident. It is important that you have full comprehensive cover as a business, as carrying passengers and spending a lot of time on the road, could end up leaving you out of pocket.

The price of your bus insurance will inevitably factor into your choice of insurance policy, but to ensure that you are not left in the lurch, it is strongly recommended that you opt for comprehensive cover. As with other types of vehicle insurance, third party, fire & theft, and third party only cover is available, but these policies might not cover important aspects of your business.

If you are looking to save money on your bus insurance, it is always more advisable to negotiate the amount of voluntary excess, looking out for discounts, setting up policies online and speaking to the provider direct, rather than compromising your level of cover. By comparing bus insurance policies online, on price comparison websites, you should achieve a good idea of the providers that will offer you a suitable annual premium for your bus insurance. You can then contact the insurance provider directly to tailor your quotation.

Filed Under: Commercial Vehicle Tagged With: ,