Archives for 2010

Motor Trade Insurance

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People in the motor trade already have a lot to think about, and unfortunately motor trade insurance will be another essential consideration that will need to be taken into account. No matter what type of business you own (whether it’s a car lot, a garage or anything similar) you’re going to want to protect your interests, and that’s what makes adequate insurance so important.

Insurance is there to protect you financially should anything go wrong, and given that it’s your livelihood on the line it makes sense to be prepared. With this type of insurance, almost more than any other, proper research is essential. All businesses will have slightly different requirements and as such you’ll need a policy to suit, and if you look around and head to specialists you’ll be able to find something that perfectly meets your needs.

There are a number of things you’ll need to think about before you decide on the quote to go for. The first will be a basic decision between third party cover and a more comprehensive policy, but it shouldn’t stop there. You’ll also need to think about the additions that you’ll need, such as legal expenses, liability and personal accident cover, and the ones that you need are again going to depend on the particular industry that you’re in.

So, given the number of considerations there are, choosing a policy isn’t going to be an easy task. That’s why it’s always best to head to specialist brokers who will be able to offer advice on any potential insurers, and of course the best solution will always be to get a bespoke policy that’s been created according to your own individual specifications. This means that you’ve got the right level of cover and any added extras that you’ll need, and this can be invaluable in ensuring that you’re completely protected.

But, just because you’ll need a specialist policy, it doesn’t mean you’ll have to spend a fortune on premiums. There are plenty of things you can do to reduce your quote, such as increasing your excess, foregoing any unnecessary extras and taking advantage of any discounts that can be offered, and if you spend the time to look you’re bound to find some deals out there.

So, anyone in the motor trade needs to carefully consider their options before deciding on an appropriate policy. As long as you do you can get to work in confidence, knowing that you’ve got a tailor-made motor trade insurance policy behind you to back you up.

Chauffeur Insurance

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People are often under the impression that chauffeur insurance is exactly the same as taxi insurance, but there are in fact some unique differences that set the two apart. The businesses are different so it makes sense that the insurance implications will be as well, so always make sure you choose the right one if you want to be operating legally and safely.

A chauffeur business tends to be classified as one that uses executive cars, only responds to pre-booked appointments and doesn’t have a two-way radio, and it’ll also have contracts forming the majority of its business. If these circumstances apply to you then you’ll have to look for the appropriate insurance, because a policy that’s meant for a taxi firm simply won’t cut it.

But, even though you’re classified as a chauffeur business it doesn’t mean that a one-size-fits-all policy will do. You’re bound to have your own circumstances so always make sure to find a company that can offer a bespoke policy, and luckily there are plenty out there that can accommodate.

Your first consideration should be the level of cover that you need, with third party being the minimum. But, because you’re carrying paying customers it makes sense to opt for more comprehensive cover as well, and don’t forget about the added extras such as public and private liability cover, breakdown assistance and even legal expenses cover – these could all come in useful should an incident occur.

The type of business that you’re running will also have a bearing on the type of insurance that you need, but whether you’re operating on an individual basis or are in charge of a whole fleet there’ll be policies to accommodate. You can get policies that cover you alone or any number of additional drivers, so always make sure that you’ve got a policy that meets your own individual needs.

The best way of doing this is to head to the experts. You need to seek out specialist insurers or brokers that will be able to accommodate your precise requirements, and don’t be afraid to shop around to see what deals can be offered.

If you spend the time to look you could get a chauffeur insurance policy that offers the level of cover that you’re looking for at a price to suit, and once you’ve found it you can get on with the important things – like running your business – without having to worry.

Lorry Insurance

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With the increasing number of vehicles on the road, it makes sense to be protected against anything that could happen. This is even more important for lorry drivers where driving is their livelihood, because as we all know, accidents can and do happen. The only way to protect your interests is to have adequate lorry insurance in place, and failing to have any can lead to serious consequences.

Not only is it a legal requirement to have this kind of insurance when you drive such a vehicle but it also poses huge financial risks if you don’t have any. It’s there to protect your own interests as well as the interests of other road users – if you were to be involved in some kind of an accident you’d have to pay the costs out of your own pocket, and as those costs can quickly add up it makes sense to be prepared.

Third party is the minimum level of cover that you’ll need, but remember the importance of keeping your vehicle protected as well. It could easily suffer from damage, vandalism or theft, and if you don’t want to have to shell out you need to have an appropriate level of cover. Of course, going for more comprehensive policies will always cost more money, but in the long run it’s always going to be worth it.

So how can you go about getting this type of cover? Well, it’s always best to go for insurers that specialise in these particular vehicles and who can offer tailor-made quotes. This type of insurance is incredibly specialised so you need to talk to the experts, and as your own situation will invariably be different from someone else’s you should never go for a one-size-fits-all policy, as it probably won’t give you the level of cover that you need.

But, with this type of insurance, you need to go a bit more in-depth than you would for a regular vehicle. Because you’ll often be transporting expensive equipment or goods it’s worth thinking about goods in transit and liability cover, not only to give yourself peace of mind but to give it to your customers as well.

Of course, you’re going to need to shop around to see what you can get for your money, and that’s where comparison websites come in. Make sure to compare several options and never accept the first price offered, and if you do your research you’ll be able to get the right lorry insurance to suit your needs and your budget.

Courier Insurance