| Van and commercial vehicle insurance (insurance)
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Van and commercial vehicle insurance
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Claiming Life Insurance
Recent research undertaken by the insurance firm Norwich Union suggests that consumers in Britain need to be more thorough when filling out forms for life insurance in order to avoid claims being rejected. According to Norwich Union, British consumers are most likely to leave out information about any treatment they may have received, current treatment being received or whether or not they have su... Read insurance article
Have You Insured Your Property Yet
Your perfect adobe might not be situated on the sea beach but there are things other than a hurricane that can damage or god forbid, destroy it. Home insurance or property insurance is a must for every home or property owner as it can restore your lost paradise when destiny decides to pick on you.
One needs to take few precautions before zeroing on a specific home insurance policy. If o... Read insurance article
Van and commercial vehicle insurance
Many van drivers and commercial vehicle owners often rely heavily on their vehicles as a source of income. For this reason it is important that you look after your vehicle well and make sure you are sufficiently insured should anything go wrong.
One of the most important factors of insuring your commercial vehicle is making sure you have the right cover for you vehicle and it's intended use.
Commercial Insurance
Commercial vehicle use is often defined as:
The use of a vehicle for transporting goods or passengers for reward; hiring a vehicle, or use of the vehicle for paid driving instruction.
The second two points in that statement are fairly self explanatory, but the first part can be somewhat ambiguous. Transporting passengers includes services such as taxis or chauffeur driven vehicles. The transporting of goods can include delivery items such as pizzas or flowers or moving stock from a supplier to your shop. Some insurers can provide commercial insurance only for transporting light goods which can save you money.
Fleet Insurance
If you or your business has more than one van or commercial vehicle, you an save money (and time) by getting fleet insurance. This can be anything from a couple of delivery vans to an entire road haulage fleet. Again, make sure the cover offered is sufficient for the types of use of your vehicles.
Goods in Transit
Most commercial policies will not automatically provide cover for any goods or tools in your vehicle. "Goods in transit" insurance can normally be purchased separately and added on to your existing commercial insurance. Note that the amount insured may be a limited sum for each vehicle and will based on the value of the contents. Goods in transit insurance will provide cover for:
Theft (while in transit)
Loss (while in transit)
Damage caused by accidents during transit
Damage caused during transit
Commercial Insurance Costs
Because of the wide variety of commercial vehicles on the road, commercial insurance calculations and prices can be significantly different from regular private car insurance. Most vans and commercial vehicles have an increased capacity of to cause damage or injury because of their size and weight. This represents a higher risk for the insurance company as they are likely to be required to make a bigger payout in the event of an accident. Other factors considered include laden weight of the vehicle; nature of the load(s) to be transported, addition of special equipment etc.
Despite these factors, which can make commercial vehicle insurance expensive, there are still things you can do to try and get cheaper commercial vehicle insurance.
Keep your can in a garage or other secure location overnight
Increase your voluntary excess (but make sure you can pay it in the event of a claim)
Fit a Thatcham approved immobiliser
If you need other drivers to drive the vehicle, put them down as named drivers rather than having an "any driver" policy
Try to avoid making claims where possible
For more information on commercial vehicle insurance, and tips on how to get cheaper van insurance, visit QuoteA.co.uk
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Cheap Motor Insurance
Motor Insurance
Driving your motor vehicle without insurance nowadays may be likened to life and work in a city without any form of police protection. It is also illegal to do so. Its one of those things you'd like to ignore but can't afford to, since driving without insurance would amount to breaking the law, it cannot then be overstated that finding the right policy is paramount. The right Sort of policy should be a policy that gives you the protection you need without clearing out your bank account or forcing to labor more than you have to, so as to cover costs.
I am going to list a few of the things you need to know when getting a policy.
- Shop around before you commit to buying any policy, you'll find that the amount you pay will vary from premiums may vary for similar cars.
- It is probably better for one to get as many quotes as is possible before you make a final decision
- If you are not able to do the shopping around on your own or you are just unsuccessful in your guest for an affordable policy, it may be a good idea to hire a broker or use a broker's services.
- It is probably a good idea to have and use a car immobilizer and vehicle theft alarm in your car. If you have a secure parking space like a locked garage, put it to good use and ensure that your insurer uses this information while setting your premium. Installing tracker devices, like the GPS system can also help.
- Motoring organizations sometimes organize discounted insurance. If you are a member, ask and take advantage of it if available. Join in if it is reasonable for you to do so and you are not already a member.
- If you are in a relationship, you may find that obtaining the cover on the woman's name might fetch you a lower premium.
- Limit the number of drivers on the policy to one or two. For example, you may include your spouse's name while leaving out your adult children who may be away at university for months at a time.
- A fixed mileage policy may be an option for you if you make limited use of your car.
- Many insurance agencies offer discounts for online policy purchases, so it may be a good idea to buy online.
- New drivers should take an advanced driving course, as insurers recognize the benefits.
- Depending on the value of your vehicle and other considerations you may get a third party cover.
- As most insurers offer no claim bonuses, it may be a good idea to avoid claims whenever possible if your policy offers no claim bonuses. This practice can reduce your premium by up to 70 percent.
- If your insurer requires a compulsory excess or your policy already includes one, you may choose to increase your compulsory excess to get lower premiums.
- You may opt for a one time payment or use direct debit payments, whichever gives you access to discounts.
Useful insurance terminology
Compulsory excess: is an amount which you must pay in a claim. Whatever is left (above) this amount will be paid by your insurer.
Comprehensive cover: this type of cover gives you full cover; your vehicle is covered in the event of accidents, fire or theft and other damages regardless of which party is at fault.
Third party cover: This type of cover helps you pay damage claims in the event of an accident where you are the party at fault. This however, does not allow you any damage claims for your own vehicle. You also have no access to claims in the event of theft and fire. Third party is the minimum legal requirement for any vehicle on the road.
Third party fire and theft: This covers you if your vehicle is stolen or damaged in a fire in addition to the cover for any damage you cause on other person's vehicle or property.
Find out more about motor insurance
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