Archives for September 2010

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

Compare Courier Insurance Quotes Online for Van and Motorcycle Couriers

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There are a few things in life that should never be overlooked, and insurance is, unfortunately, one of them. It’s even more important if you run a business, particularly one that relies on vehicles to operate, and if you run a courier business you should never underestimate the importance of having adequate courier insurance in place before you even think about getting started.

This type of insurance is essential whether you’re just starting out or have an entire fleet of courier vans at your disposal. Don’t think that regular car or van insurance policies will be enough either – because you’re transporting goods that belong to other people you need to take particular care, and need to have every financial avenue covered to ensure that you don’t lose out should anything go wrong.

Of course, you need to think about other people on the road as well, which is why third party should be the bare minimum. But when driving is your livelihood it’s wise to go for cover that can offer slightly more, particularly when you consider the amount of time that you’ll actually be on the road. And let’s not forget the contents of your courier van as well – they need to be protected if you don’t want to be held liable.

One of the first things you need to consider will be goods in transit insurance. This can often be provided as an addition to your current policy, and having it there will give you and your customers added peace of mind. It could even encourage them to do business with you, because if they know that you’re fully insured they’ll be more likely to put their faith in you.

Think about things like liability cover as well, and even European cover should your business take you further afield. Breakdown assistance could well come in handy if you don’t want to let your customers down, and to make sure that you’ve got the right extras always talk to your potential insurer for an in-depth quote.

The only thing that could put you off going for these additions is the cost. But, in the long run they’re always going to be worthwhile, and if you choose wisely you shouldn’t have to spend a fortune anyway. Make sure to consult specialist companies and always compare several quotes, and if you can find additional discounts or no claims bonuses you’ll easily be able to reduce your premiums.

So, if you’re in the courier trade, always make sure that you’re completely prepared for anything that could happen by having comprehensive courier insurance in place. You’re bound to notice the benefits in the end.

Goods in Transit Insurance

Any business that transports goods needs to have adequate insurance in place. It’s essential for your own peace of mind as well as that of your customers, and goods in transit insurance is just one thing that always needs to be considered.

This type of insurance is normally offered as an addition to your current insurance quote rather than being a stand-alone policy, and should certainly never be overlooked. It’s there to protect the contents of your vehicle when you’re on the road, and given that the cost of those items could easily add up it makes sense to be prepared.

Don’t think that a simple van or truck quote will cover you – while that may be perfectly sufficient if you’re only transporting your own goods, when you’re performing services on a hire and reward basis you need to have a more comprehensive policy in place. It’s always going to be worth investing in, and could be a real coup for your business.

But, it’s a sad fact that a lot of business owners prefer to overlook this type of insurance in an attempt to save some cash, but in the long run that’s never going to pay off. If anything were to happen to the contents of the vehicle you could easily be held responsible, and showing potential clients that you’re properly insured could even increase your profits. If they see that you’ve got adequate cover in place they’ll be more likely to trust you to take charge of their goods, and that boosted image can result in huge benefits for your business as a whole.

It doesn’t even have to cost that much, and when you consider the price of your current insurance policy the increase to your premiums will be negligible. Most insurers will ask if you want it when you take out their policy anyway, and if you want to be completely covered you’d be wise to accept. If you’re looking to get a great deal make sure to head to the experts and always shop around, and doing so will mean you can be completely confident in your choice.

So, any kind of haulage, van or courier firm needs to have adequate goods in transit insurance in place if they want to make the most of their business. Doing so will offer valuable peace of mind to everyone involved and could even provide a tangible boost to your profits, so make sure that you’ve got every aspect covered if you want your business to thrive.

Fleet Insurance

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Owning and running a fleet of vehicles can be difficult enough in itself, but one thing that needn’t be so tricky is insurance. Opting for fleet insurance is a good way of getting rid of some of the hassle, because if you could insure an entire fleet on one policy which could save you time and money.

This type of insurance was specifically developed for businesses that have 5 or more vehicles, and was designed to make the process of insuring them all far simpler. It’s certainly fulfilled its purpose – by insuring all of your vehicles in one go you needn’t worry about getting individual policies, prices or renewal times, making everything as quick and hassle-free as possible.

These insurance policies can suit everyone whether your fleet in question is of taxis, vans, trucks or just about anything else, so all businesses are properly catered to. But, because all of these industries can vary wildly in the type of requirements they’ll have, it’s wise to be selective in your choice of policy.

Always do your research and ideally head to specialist insurance brokers, because it’s here you’ll be able to find a great range of quotes to take your fancy. They’ll have access to plenty of specialist companies who will be able to provide you with a comprehensive quote, and make sure to head to companies that can offer you a tailor-made policy to suit your precise needs.

Of course, the specific type of insurance and the level of cover that you’ll need will differ depending on your own personal and business needs, so make sure to discuss everything thoroughly with your potential insurer. The added extras that you’ll need will also differ accordingly as will the price you’ll have to pay, but it’s important that you don’t skimp on cover just to save some cash. You’ll invariably be spending less than if you insured each vehicle on an individual policy anyway, so always make sure you’re completely covered by having any additions that you’ll need (goods in transit, breakdown assistance and liability cover are popular choices).

So, no matter what type of business you’re in, never underestimate the importance of having fleet insurance to cover your vehicles. It’ll be much easier, simpler and cheaper than insuring them individually, and if you spend the time to look around you’ll be able to get a policy that perfectly meets your needs.

Van Insurance

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Van insurance is essential for all drivers of such vehicles, whether you’re a white van man, a commercial vehicle driver or simply driving for pleasure. There will always be several things that you need to take into consideration before you can hope to have an adequate policy, and never even think of missing anything off the list.

The first thing you’ll need to think about is the level of cover that you’re looking for. It’s always best to go for the most comprehensive level of cover that you can, but for some people that simply isn’t possible or, in certain cases, necessary. The minimum you need to be equipped with is third party liability, but if you want to ensure you’re properly protected (particularly if you’re driving for business purposes) it’s wise to go for something a bit more in-depth.

There are a number of different options you can go for with this type of insurance, and as always it comes down to your own personal circumstances. If you’re simply driving your van for personal reasons and there aren’t any clients, customers or payments involved then it can be classified as being for domestic use, but if it’s going to be used for business reasons you’ll need a slightly different policy.

You’ll probably want to go for a much more comprehensive level of cover in this case, and you might also want to add different drivers (or even give free reign to anyone over the age of 25) if there’s a possibility of other people driving your vehicle.

But, the type of cover that you’re looking for won’t only come down to your business/personal circumstances – your budget will have a huge bearing on it as well. It’s an unfortunate fact of life that budgets tend to dictate much of our purchases these days, insurance or otherwise, and it’s always worth taking into consideration.

Although this type of insurance can be quite expensive, there are things you can do to get better deals. The first thing you need to remember is to shop around, because different companies will always have different prices. Always see if you can negotiate and try playing different companies against each other to see how low they can go, and if you can do without some of the added extras then your premiums could easily be reduced.

Van owners need to remember the importance of having adequate van insurance in place at all times, because failing to do so can lead to both criminal and financial consequences. Make sure that you’re not putting yourself at risk, and always find the best cover that you can to suit your needs perfectly.

Commercial Vehicle Insurance

Running a commercial vehicle business can be a tricky thing. You need to make sure that your interests are properly protected, because if anything were to go wrong you’d have to fix it out of your own pocket. It’s your livelihood on the line, which unfortunately may make commercial vehicle insurance an essential purchase.

This type of insurance is there to protect your business as well as anyone else on the road. You need to protect your vehicle in the case of any theft, vandalism, accident or other damage, but you need to make sure that you’re not liable should your vehicle injure someone else in the course of its duties. That’s why third party cover is the least you should be looking for, but it’s always best to go for more comprehensive options – you wouldn’t want to lose out financially should the worst happen.

Never underestimate the importance of getting a decent quote. You always need to compare several options, and the quote that you’re offered will usually come down to several things including the value of your vehicle, its business use, the type of goods you’re transporting, the amount of time that you’re on the road and a whole range of related aspects, so always have this information to hand when you approach potential insurers.

Price will unfortunately be a major consideration for this type of insurance, and there’s no denying that it could well be more expensive than insurance for private vehicles. This is often down to the simple fact that you’re on the road for longer and are therefore deemed to be a higher insurance risk, but don’t use this as an excuse to skimp on cover. Of course, there are always things you can do to reduce your premiums (opt for a higher excess, cut out the added extras etc) but these days you get what you pay for, and if you want to ensure your complete protection don’t be afraid to spend a bit more.

Remember that your own particular circumstances won’t negate the need for proper insurance either. If you’re a self-employed driver you always need to make sure that you’ve got adequate insurance in place, but even if you’re in charge of a fleet don’t think that your responsibilities are lessened – you still need to make sure that all of your drivers are covered by an insurance policy, as failing to do so can have serious consequences.

So, always remember the importance of having adequate commercial vehicle insurance in place. Always get a policy that meets your precise needs and make sure to shop around, and if you do you can get on that road without a care in the world.

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