The easy answer is that it's not just classic lorry insurance that is going up, but absolutely everything that concerns the transport industry. The ever increasing fuel costs and rising inflation are doing nothing to help, and there are many hauliers who are really struggling to stay on the road.
There are some things that can be done to redress this situation and to make sure that classic lorry insurance is kept to a minimum. The first, and most obvious, thing to do is to make sure that you are not over-insured because that really is money down the drain. If you are not sure, there are many reputable brokers who are professional, highly experienced and who specialize in classic lorry insurance.
If you have more than three lorries ask about a fleet policy rather than insuring them individually. Very often, this will save money straight away.
Another way of reducing insurance costs is to make sure that your drivers undergo regular training so that they are aware of both economical ways of driving, and how to drive more safely. Good insurance companies will be able to give you details of these kinds of courses and you will find that once they have been completed your insurance premiums should come down in response.
Another strategy for helping to reduce classic lorry insurance costs is to fit a telemetric system to your lorries. These monitor driving styles and have proved themselves to be instrumental when it comes to safer driving, more economical driving, and also as an effective way of settling disputed insurance claims. There are many insurance companies that encourage the use of these systems and will reduce premiums if they are used.
If you want to make sure that you don't lose your no claims bonus and see your insurance premiums escalate if you have to make a claim, then consider paying a little extra to protect it. It does mean that you have to pay a little more but in the long term, it could save you a fortune.
It's not just classic lorry insurance that it is possible to save money on; there are other areas, too. Many lorry drivers stick decorations to the fronts of their trucks but this can actually increase fuel consumption. Consider having them removed and replacing them with more aerodynamic accessories, which should make significant savings for you in the future. With petrol prices rising, it's never been more important to shop around.
For more information on keeping costs down while on the road, just visit http://www.visioniq.com/.
http://EzineArticles.com/6488091
Friday, December 30, 2011
Tuesday, December 27, 2011
Shop and Office Insurance
Finding the right business insurance can be a tiresome and time-consuming activity for shop and office owners. All too often through sheer frustration they will go for the cheapest option policy and will have failed to investigate the finer details of the insurance cover they have purchased. This is very understandable but with the vandalism problems that appear to be on the increase business owners are very often not covered for damage to shop contents or buildings.
If you go to your local insurance broker who will have knowledge of crime statistics in your area and will be able to guide you to the most appropriate insurance cover for you and the type of business you have. You may consider that your business is in a crime free area but with the increase in street marches that can often turn violent it is very wise to be aware of any risks that vandalism might inflict on your business.
The chance of vandalism in your area might seem remote. Many owners will not have insurance cover but you do need to study exactly what is covered in your policy to ensure that you have appropriate cover for damage to your property as well as other assets and even injury to staff or public whilst they visiting your business.
Cheap insurance cover can be obtained without too much trouble but by using a business insurance broker they will be able to do the research for you to obtain the best policy for your needs. By using a local insurance company they not only will do the let work for you but with their added knowledge and experience may well be able to tailor the policy for your exact needs.
The fact that only a fraction of vandalism is being officially reported to the police it can some times distort the actual figures. It is often referred to as 'hidden crime' and businesses will pay a heavy price if they are not adequately covered by the insurance policy they have. The price of making repairs after a vandalism attack can be very high and owners should not risk not being fully covered when the right policy could give you the protection you need.
Companies that consider themselves low risk should re look at the effect that vandalism and anti social behaviour can have on a business. Using a good local insurance broker will guide you through the process and the exact cover that is appropriate to your business needs which can include buildings, contents, public liability or employer's liability.
You can get further information about Commercial Insurance and Business Insurance at http://www.coversure.co.uk/
http://EzineArticles.com/6500667
If you go to your local insurance broker who will have knowledge of crime statistics in your area and will be able to guide you to the most appropriate insurance cover for you and the type of business you have. You may consider that your business is in a crime free area but with the increase in street marches that can often turn violent it is very wise to be aware of any risks that vandalism might inflict on your business.
The chance of vandalism in your area might seem remote. Many owners will not have insurance cover but you do need to study exactly what is covered in your policy to ensure that you have appropriate cover for damage to your property as well as other assets and even injury to staff or public whilst they visiting your business.
Cheap insurance cover can be obtained without too much trouble but by using a business insurance broker they will be able to do the research for you to obtain the best policy for your needs. By using a local insurance company they not only will do the let work for you but with their added knowledge and experience may well be able to tailor the policy for your exact needs.
The fact that only a fraction of vandalism is being officially reported to the police it can some times distort the actual figures. It is often referred to as 'hidden crime' and businesses will pay a heavy price if they are not adequately covered by the insurance policy they have. The price of making repairs after a vandalism attack can be very high and owners should not risk not being fully covered when the right policy could give you the protection you need.
Companies that consider themselves low risk should re look at the effect that vandalism and anti social behaviour can have on a business. Using a good local insurance broker will guide you through the process and the exact cover that is appropriate to your business needs which can include buildings, contents, public liability or employer's liability.
You can get further information about Commercial Insurance and Business Insurance at http://www.coversure.co.uk/
http://EzineArticles.com/6500667
Thursday, December 22, 2011
Some of the Best Added Extras With Minicab Insurance
It isn't difficult to get minicab insurance, but there's the common or garden variety and then there's minicab insurance that has added extras, which will make all the difference, both to your pocket, and if you need to make a claim.
Some of the best added extras include:
Flexible payment terms
You want the policy that is best for you, and while you certainly don't want to be over insured and pay for cover that you will never need, there is a chance that the things that you do need will mount up and make the policy cost a little bit more than you had anticipated. Having flexible payment terms means that you can be sure that you can have this policy and not run the risk of being under insured, which could put you in a terrible position should the unthinkable happen.
A policy you can afford even if you don't have a minicab no claims bonus
Everybody has to start somewhere, and if you are new to the business, having to pay an extortionate amount for your policy is not the best start you can have. Some companies will allow you to use your no claims bonus from your private driving so that you take advantage of discounts.
Introductory offers
This can be a great added bonus if you are either looking for a minicab insurance policy for the first time, or you are looking to renew your policy. Many insurers will offer very real discounts if you choose them over their competitors.
You select the timeframe
For many people driving a minicab is something that they do in between other jobs and they don't see it as a long term career. If this is applicable to you, why take out a policy that is in place for a year and then pay expensive penalties if you want to cancel? One of the best added extras is being able to decide whether you want the policy to run for three, six or twelve months, which means that it is you calling the shots, not the insurance company.
Now - in an ideal world, we would receive all of these benefits in one policy for a rock bottom price. Alas, this is unlikely to happen. Therefore, think about which perks you would rely on the most if you were to opt for a particular insurer. Comparing is the essence to driving away knowing that you are fully protected - no matter what is round the corner.
George represents Taxi Protection, an online portal with your interests at heart.
http://EzineArticles.com/6487995
Some of the best added extras include:
Flexible payment terms
You want the policy that is best for you, and while you certainly don't want to be over insured and pay for cover that you will never need, there is a chance that the things that you do need will mount up and make the policy cost a little bit more than you had anticipated. Having flexible payment terms means that you can be sure that you can have this policy and not run the risk of being under insured, which could put you in a terrible position should the unthinkable happen.
A policy you can afford even if you don't have a minicab no claims bonus
Everybody has to start somewhere, and if you are new to the business, having to pay an extortionate amount for your policy is not the best start you can have. Some companies will allow you to use your no claims bonus from your private driving so that you take advantage of discounts.
Introductory offers
This can be a great added bonus if you are either looking for a minicab insurance policy for the first time, or you are looking to renew your policy. Many insurers will offer very real discounts if you choose them over their competitors.
You select the timeframe
For many people driving a minicab is something that they do in between other jobs and they don't see it as a long term career. If this is applicable to you, why take out a policy that is in place for a year and then pay expensive penalties if you want to cancel? One of the best added extras is being able to decide whether you want the policy to run for three, six or twelve months, which means that it is you calling the shots, not the insurance company.
Now - in an ideal world, we would receive all of these benefits in one policy for a rock bottom price. Alas, this is unlikely to happen. Therefore, think about which perks you would rely on the most if you were to opt for a particular insurer. Comparing is the essence to driving away knowing that you are fully protected - no matter what is round the corner.
George represents Taxi Protection, an online portal with your interests at heart.
http://EzineArticles.com/6487995
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