April 18, 2014

Does Van Insurance Cover Your Vehicle or Your Drivers?


When you have a van that you plan to take out on the road, it is a legal requirement that you have some level of vehicle insurance in place. You can choose from a number of levels of van insurance. This coverage is designed to cover your vehicle, so the amount that you pay will be based on the type and value of the van.

While van insurance is designed to cover your vehicle, the level to which your van will be protected will depend on the level of coverage that you take out. With some comprehensive plans or by adding on optional extras, you can enjoy a van insurance plan that not only protects your vehicle, but also protects the driver from things such as legal costs or the costs associated with personal injury.

What to consider when choosing van insurance

There are a number of things that you need to take into consideration when you are choosing van insurance to cover your vehicle. This includes:

      The type of van you opt for: If you are pricing up van insurance prior to buying a van, you should bear in mind that because the insurance plan provides cover for the vehicle, the type of van you have will affect the cost of coverage. You may therefore want to opt for a van that falls into a lower van insurance group and is therefore likely to be cheaper in terms of cost.

      The level of van insurance you want: While van insurance will cover your vehicle to some degree, the level of coverage you choose will determine how much protection you have in place. You therefore need to work out the level of coverage that you realistically need and can afford.

      How much you can afford to pay: The cost of insuring your van will vary based on the level of coverage you choose, the make and model of your van, and various other factors. You need to work out how much you can afford to spend in order to get your van insurance and you then need to look for competitive deals. You can access competitive coverage for your van by getting quotes. For example, you can benefit from a competitive van insurance quote from The Co-operative Insurance in order to get quality cover for your vehicle at an affordable price.

      Whether you want policy extras: Your van insurance policy will provide coverage for your vehicle; however, you need to think about whether you also want to add more personal protection to your coverage, such as personal injury cover and legal cover.

No matter what type of van you have, it is important to make sure you have the right type and level of insurance coverage for your vehicle, allowing you to drive your van with confidence and peace of mind.

How to lower truck insurance premiums


For any UK haulage business, truck insurance is not only a legal necessity but also sound business sense. It is important than your UK Truck Insurance covers both trucks and goods when in transit. Like all types of insurances, policies are very variable and getting the right cover is important, not only for the protection afforded but also to maximize the hit on your operating costs, the premiums are undoubtedly going to be.

There are a number of ways through which you can obtain cheap truck insurance UK:

The first is that if you’re running a fleet of trucks, get fleet insurance rather than having each vehicle insured separately. There will be significant discount in this. Also, a fleet insurance policy comes with many benefits as compared to an insurance policy for every vehicle.

Before providing insurance covers, insurance companies consider a number of factors:

For starters, the insurance company will consider the level of risk. Through this, the company is able to calculate the amount of premium to be paid. If there are high risks, it follows the individual or company is bound to pay higher premiums for truck insurance in the UK.

Understand what the insurer considers when looking at the level of premiums. For example, having lots of fancy paintwork on trucks is going to prove expensive to repair if damaged in a accident.

Another consideration is the number of drivers associated with a vehicle. The fewer the number of drivers, the lower the premium – although obviously you have to have the correct number of drivers to operate efficiently so this isn’t always the most practical area to address to reduce insurance costs. Where drivers are concerned however, one thing that will reduce risk, is experience. This is because experienced drivers are less likely to cause accidents as opposed to drivers with little experience.

Vehicle security is also a factor. Where they are parked and whether vehicles and cargo are protected by alarms and other security measures all come into play when your insurance company quotes for insurance.

It is also prudent to consider the type of goods in transit. You will pay lower premiums for transporting non hazardous cargo where there’s a lower lower risk of mishaps than when transporting hazardous goods.

UK Truck Insurance for individual vehicles or fleets is available from Blueangeltech

The need for Small Fleet Insurance


A few years ago, owning more than one vehicle was seen as a sign of wealth. Nowadays however, owning a small fleet of vehicles as either a business or as a private individual has certainly become a more common thing. That is why there has been a rise in small fleet insurance in the last few years. People who own a lot of vehicles normally use them for business ventures and this insurance has been developed to protect them from incidents which could threaten this, such as fire, theft and damage.

Fleet coverage is different to normal car insurance because it covers multiple vehicles in one policy. Normally, fleet vehicles are used to a much greater extent than private vehicles. They may cover a significantly larger amount of miles, travelling to and from destinations and delivering objects and people to such places. This means that they are more susceptible to damage and breakdown. Small fleet insurance recognises this issue and attempts to cover business and private individuals who have a small fleet of vehicles from most possible outcomes of such use of their vehicles.

The main advantage of cover under a single policy is that all the volume of paperwork for multiple vehicles is significantly reduced. Another advantage is that claims are processed very swiftly after an accident compared to other options.
There are a few things that the company will need to consider before they provide you with a quote for your insurance. The amount of cars you are planning to insure could increase the premium on your insurance, also the models of the car. The insurer will also want to know the age of the vehicles and how many miles they have done. This is to protect the insurer from covering a car which is perhaps a lot more likely to suffer engine failure than one which is a lot newer for the same price.

With thorough research either online or offline you can compile a list of insurance companies that offer small fleet insurance before deciding which one is more suited to your needs.

Vision IQ Commercial Vehicle Insurance. Why not check out our small fleet insurance from a range of top providers.

How to save money on your van insurance


Jamaica-Toyota Dyna
Creative Commons License photo credit: JLaw45
Running a van can be an expensive ordeal; however, there are a number of ways to lower the costs. Fuel economy can be quite lethal at times, especially with older vans, however by ensuring that you drive carefully, and with fuel economy in mind, it is possible to reduce your fuel consumption. One of the best ways to do this is to accelerate gently and slow down gently – therefore completely cutting out any erratic driving.

Another one of the main expenses can be your insurance costs. However, you can save money on your insurance by knowing the exact value of your vehicle, and by knowing exactly what you want to cover.

If you know what you want from your commercial vehicle insurance policy then it will be possible to get a quote for the right price, first time round!

One of the main ways to keep your van insurance quotes down is to minimise the chance of crashing your van. Fewer accidents really do equal lower insurance premiums, and so you can minimise the risks and dangers of having an accident in a variety of ways.

It will be important to make sure you regularly check your tyres in order to ensure that they are safe and that the tyre pressures are suitable for the weight of your vehicle. Tyre blowouts are among the most common causes of drivers losing control of their vehicle.

It will also be important to make sure all your passengers wear seat belts at all times whilst the vehicle is moving. It has been statistically proven that seat belts do save lives, and so if you were to have an accident, it would be more likely for your passengers to emerge unharmed if they were wearing a seat belt.  This will ultimately help with van insurance costs in the future if you were to have an unfortunate incident.

You should also never drive whilst on the phone. Not only is it illegal, but if you were to have an accident whilst on the phone you would be in serious trouble with the authorities and with your insurance provider.

This small list is by no means exhaustive and these all sound like fairly straightforward, obvious things, but by doing the simple things, and making sure you continue to do the simple things, you will be doing everything you can to save yourself a bundle of cash on your future van insurance quotes.

Hgv Insurance UK


HGV represents the old term used in the United Kingdom to define goods vehicles that go over 3.5 tones and stands for Heavy Goods Vehicles. These types of vehicles are usually big trucks used to transport different types of goods. In order to be able to drive any type of vehicle on public roads one must purchase insurance. This means that HGV vehicles are no exception to the rule. In order to fulfill the legal requirements and also get peace of mind you need to consider getting hgv insurance UK.
Just like any other type if vehicle insurance, hgv insurance UK provides the basic type of coverage in the event of any accidents that might damage your HGV vehicles. This way if the driver were to be involved in an accident he wont have to worry about paying for the damages out of his own pocket as the insurance company will provide the financial coverage for the damages. Another reason why insurance is needed is because if the driver were to be caught without having insurance, he could end up with a criminal record.
When searching for hgv insurance UK you need to consider the specific risks involved with operating your business. For that reason you should choose a policy that offers a very comprehensive coverage in the sense that it will allow you to add certain specific risks that you need coverage for. Besides the basic coverage in the event of accidents you should also include risks like theft or fire to your policy.
Considering the risks of your business, a good hgv insurance UK should be able to provide you with coverage for breakdown assistance as well. With that you should also think about getting a policy that provides replacement vehicle cover as you never know what lies ahead. Not lastly you should consider adding a clause to the policy that will provide you with coverage for the goods that your trucks transport. This way if any of the goods that your HGV vehicles transport should be damaged, the insurance company will cover for the financial losses.
Finally you should know that hgv insurance UK doesn’t necessarily have to be expensive. You just need to know that a few things such as no claims in the past and experienced drivers can help lower the quote that the insurance company will offer you. As long as you can prove that the chances of having to claim the insurance will be low, you will get lower premiums for buying the policy.
Angella Brown is an expert author on various interesting topics. To know more about the various policies why not compare hgv insurance uk yourself, from a range of top providers. For more in-depth analysis of insurance feel free to visit us at Blue Angel Insurance

Minibus insurance uk- A Brief Introduction


Are you looking for minibus insurance policy In UK, then you have come to the right place. In this post we will be providing you brief information about minibus insurance UK. The key points covered in this post will be, what is minibus insurance? Why and who should purchase it? How to purchase it?
What is minibus insurance policy?
In UK a vehicle or more precisely a van is which carries passengers are called a minibus. Minibus insurance policy is specifically designed to provide the financial coverage to this vehicle. The types of policies which provide the coverage of minibus is mainly divided into four classes. The first is the comprehensive policy. As the name indicates it covers almost all the risk which the minibus can encounter. The second class of policy is the third party liability policy. As the name indicates this policy provides the coverage to the vehicle owner if the vehicle injures a third party person or damages third party property. The third class of policy is the fire property loss policy, as the name indicates it provides coverage if the vehicle is lost due to fire accident or is stolen. The fourth class of policy is fleet insurance policy. This policy is made for owners who have more than one minibus. A single policy provides coverage to all the vehicles owned by the owner.
Why and Who should buy the minibus insurance policy?
Minibus insurance policy is mandatory In UK for any minibus owner or vehicle operator it is compulsory to have this policy when the vehicle is on the road. It is considered illegal if the vehicle is driven without the proper policy. Apart for the reason it mandatory, minibus owners should realize that without a good insurance policy they are always at the risk of losing their investment. IF the vehicle is damaged then they will have to shell out a huge amount of money towards the repair of the vehicle therefore it is essential to have a good insurance policy which will allow the vehicle owners to be at ease when there vehicle is on the road.
How to purchase the policy?
There are 2 ways to purchase the minibus insurance policy in UK. One is to approach an insurance broker and buy the policy from the broker, the second way is to purchase the policy online from an accredited website. Buying online gives the owners some added benefits like discount on the quote of the policy.
Angella Brown is an expert author on various interesting topics. To know more about the various policies why not compare minibus insurance uk yourself, from a range of top providers. For more in-depth analysis of insurance feel free to visit us at Vision Commercial Insurance

The Importance of Knowing Your Rights with Business Insurance Claims


The damage and loss caused by fires in commercial premises can be devastating – often resulting in a company having to cease trading due to the financial implications of such a devastating disaster. This short article will explain how a loss assessor can help you survive such a disaster and continue trading long into the future. A loss assessor’s job is to ensure the business that is the victim of a fire at a business or commercial property has the best chance of survival by securing the best financial outcome for them.

You should:

  • Know the role of the loss adjuster and how they work in conjunction with the insurance company
  • Know the role of a loss assessor and how they can help your business get a decent settlement
  • Ensure that you have all the relevant paperwork and records detailing and pertaining to your business and the insurance cover

Once your company has suffered from a fire and you are contacting your business insurance company it is advisable to contact a loss at the same time. All the documentation of a fire insurance claim will be the responsibility of you and your business. By having a loss assessor fighting your case you will ensure that all the correct information is passed on to the insurance company. Do not forget that the insurance company will operate like any other business – it is in their interest to give you as little financial settlement as possible.

Immediately after you submit your claim to the insurance company they will have a loss adjuster working on your case. Whilst the loss adjuster has to make sure you get a reasonable sum from the insurance company, it is important to remember that the loss adjuster will be working for the insurance company. The loss adjuster will go through your claim in detail and ‘adjust’ the figure you will receive accordingly. The input of a professional in this instance is crucial to securing a future for your business financially. The loss of profit associated with major disasters can be the nail in the coffin during bad economic climates.

A good insurance loss assessor will be able to handle most parts of the claim for you; from assessing the level of the insurance to completing all the necessary and relevant documentation. Their professional advice is crucial to getting the best possible outcome for your business.

One of the major benefits of employing a loss assessor is the fact that all responsibility for dealing with the claim is taken out of your hands. If you have been the unfortunate victim of fire at your business you will have enough to deal with without the added strain of filling in paperwork and answering the queries of the loss adjuster and insurance company. Another crucial benefit is the professional knowledge and understanding that they will bring to the table. They have the knowledge that you as a business owner are not likely to have – again hopefully securing more money for you in your settlement.

Commercial Truck Insurance


If your business operates with commercial trucks, then you probably know that such a business comes with a lot of risks and responsibilities. This means that you not only have to worry about the truck itself but also about the safety of the driver and of the cargo the truck is transporting. This implies that buying commercial truck insurance is a necessity. Insurance is needed not only for protecting your assets in case of accidents but it is also a requirement in order to drive commercial trucks legally.

Commercial truck insurance works the same way any vehicle insurance would, meaning that in case your truck incurs damages due to accidents or other risks, the loses will be covered by the insurance company. Before you start searching for the type of policy that suits your needs, try to consider some specific things regarding commercial trucks. Some of these things include establishing what type of goods your truck transports, the value of the truck and most importantly if you operate with a single truck or a fleet of trucks. If you operate with more than one truck, then it is advisable you choose a fleet policy for commercial truck insurance. Fleet insurance policies permit you to insure all your trucks under one policy, meaning lower quotes to be paid and less trouble for you.

Usually in order to operate your business legally, you will need to purchase commercial truck insurance that provides coverage for at least third party liability. This will provide the necessary coverage in case your truck was to cause damage or injury to a third party. Such a policy is just basic, but usually for complete peace of mind you should opt for a more comprehensive type of policy. Keep in mind the goods that you transport and the driver’s safety. You can include extra coverage for risks such as legal expenses or breakdown assistance.

When it comes to obtaining lower quotes on commercial truck insurance there are a few tricks that might help. First of all if you are just buying your trucks, try to buy the new modern ones. Even though it might come as higher expense in the long run it will prove to be a wise decision as it will also attract lower premiums for insurance. Other ways by which you can obtain cheaper quotes is to park the trucks in a safe place and to make sure each truck has burglary devices set up.

Angella Brown is an expert author on various interesting topics. To know more about the various policies why not compare Commercial truck insurance yourself, from a range of top providers. For more in-depth analysis of insurance feel free to visit us at Vision Commercial Insurance.

Various Insurance For Minibuses


The uses of minibus are becoming a popular way of transport amongst people throughout the world. Many companies have already switched to use minibus for there daily transport of employee from their workplace to their homes. Many families are beginning to use minibus for tours and trips. Opening a minibus rental service is certainly a good idea for many young entrepreneurs. However along with the profits one also needs to keep in mind the various risks that are involved in this business. For starters, the vehicles can be damaged due to an accident or due to acts of vandalism. They can steal or parts of the vehicle may be lost. In order to protect yourself from all these risk it is highly advisable to buy a good insurance for minibuses.

There are many companies which are providing various policies for minibus rental business. However the basic plans for the vehicles remain the same. In this post I am going to explain the various types of policies available for you in order to run a successful and a legal minibus hire business.

The first and foremost policy is accident coverage policy. This is probably the simplest policy available for any type of vehicle. As the name indicates this policy provides coverage if your vehicle is damage due to accident or due to acts of vandalism. However many policy do not cover damages caused due to fire accidents. In order to get a complete accident policy it is advisable that one buys fire accident policy too.  The second type of policy is known as the third party liability policy. As the name indicates this policy protects the owner of the vehicle if he or she is being sued due to damage of a property of life of a person caused by one of your vehicle. This policy is a must in order to run a rental service.

If you were to have a fleet of minibus then it is advisable that you go in for what is known as the fleet insurance policy. This policy provides a complete coverage for all the vehicles owned by a single person or a company. The advantages of this policy is that it is a single policy for all the vehicles, easier to manage and easier to claim the insurance. The best place to find about various insurance for minibuses is to search them online. There are many websites which not only offer a complete detail about various policies but also provide offers and discounts on the premium amount if they are purchased form those sites

Angella Brown is an expert author on various interesting topics. To know more about the various policies why not compare minibus insurance;  yourself, from a range of top providers. For more in-depth analysis of insurance feel free to visit us Blue angel insurance

Coach Insurance


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.