Car Insurance

Well done on your expanding business – you now qualify for a fleet insurance policy! Your broker will have negotiated a fleet rate for you, and although you no longer qualify for a “no claims bonus”, you renewal will be based on the claims you have made in the past year.

When you come to renew your insurance, are you expecting a hefty increase? Are you going to shop around?

Shopping around can be hard work for both you and your broker, but it is a good idea to shop around because you are likely to make savings from year to year.

To make savings you need to plan well in advance before you shop around. To give yourself enough time you should leave at least six weeks before your renewal, and let your broker know you need competitive quotes. If you are not satisfied with your broker, find another broker or get the quotes for yourself.

It’s not just as simple as giving yourself six weeks though. Most importantly any insurer is going to need the full details of your claims for the last three years. They are going to want to know the amounts of each claim, what it related to (theft / accident with your driver at fault / accident with your driver not at fault etc). In this last case it is important to know that the third party insurer paid for the damage. This information should be supplied by your existing insurer. If they are reluctant to supply it, insist, you are entitled to the information.

If you are going to an alternative broker, he will need you to collate all of the details of your vehicles, make, model, where they are stored overnight and so on. You’ll need to collate the details of all of your drivers, age, sex, driving licence details, driving convictions, so get all your drivers to represent their driving licences so that you can check the information. Your existing broker should want to have the latest driver information from you in any case, so this is not going to be wasted effort.

When using fleet insurance, your administration is simplified, and although it can be difficult to get the best deal at renewal, it can be very convenient.

Truck Insurance fleet insurance You will need all the details of all your vehicles if you are using an alternative broker. The truck, on the other hand, was less fortunate. I bought it after having to ride a bike to work, and was so pleased.

I have four cars which I have acquired over the years. I used to insure them separately, but I have now spoken to an insurance broker who has informed me that I am able to insure them using a fleet policy, meaning all the cars are under one policy. This means I am now able to renew them at once, saving time, and meaning there is only one annual premium charge, which is much cheaper than using separate policies for each car.

My original car was small, and was only used to transport me from A to B. I bought it after having to ride my bike to work, and although I loved it, it was impractical because I lived at the top of the hill, and I couldn’t drive up in snow.

As a result of frustration at being snowed in I bought a four-wheel drive. Although this is a brilliant car, I couldn’t sell my old one, and still use it for small tasks such as trips to the supermarket. However, I began to realise that the search for two cheap insurance policies was too time consuming.

After the other two vehicles, I bought a van for work. When I had to insure it, I consulted an insurance broker, and he surprised me by saying that fleet insurance does not only cater for companies with hundreds of vehicles, but that I could take out a policy with my three vehicles. It also was not a problem that my vehicles were different types, apparently you can mix and match your vehicles and insure them under the same policy. Also, alongside this policy I got a discounted price on my RAC breakdown cover.

After my wife began driving, I was shocked and pleased to be told that her car could also be added to my fleet insurance policy. I cannot imagine how difficult and time consuming it would be to find four separate policies. You should speak to your local broker if your household has three or more vehicles but fewer drivers than cars, and they will be able to arrange a fleet policy, meaning you could save both time and money.

Find out from your insurance company to see if your home contents insurance covers the very expensive items in your car. Home Insurance fleet insurance To be properly prepared you need to do more than just leave six weeks. It wasn’t long before we were told the news – the truck had died.

We used to sit in the back of my Dad’s truck outside the house, and we loved it. We loved it when we were very young, and even when we had grown up and moved out. By this point the truck had aged a few years and was prone to breaking down. Dad insured his truck, and included breakdown cover for the times we were left without a working vehicle. Those picnics on the side of the road while we waited for the RAC were actually quite fun!

When an uninsured driver hit the truck we were obviously all worried, but Dad was fine. The truck, on the other hand, was less fortunate. After remembering the lectures to me and my siblings about insurance, I realised there wasn’t going to be a problem. When I was younger and my parents made me get fully comp insurance I was very annoyed, and didn’t see the point, but now, 3 claims on, it has saved my on several occasions.

It wasn’t long before we were told the news – the truck had died. Thankfully the insurance company were brilliant and almost immediately there was a shiny new truck outside, in place of the old one. Although me and my siblings were not impressed by the new truck, because it wasn’t the same as our childhood memories, Dad was very happy! He’d made sure that he had the correct cover for his need, and over the years it had paid for itself, and now he had a new truck to boot!

I now force my children to have full insurance on their vehicles as well as having it on the truck (which I inherited!). The truck isn’t as shiny anymore, and its main job is transporting the eldest child to and from university. We have breakdown cover within the insurance, because if on one of these trips, the truck broke down, we would be useless in trying to get it going again!

Now Dad doesn’t do it anymore, I go to a broker to search lots of separate policies to insure the truck under – I just have to call up if I need to know anything. If you have a truck which you want to properly protect, then talk to a good broker, and get some good insurance!

However, I began to realise that the search for two cheap insurance policies was too time consuming. Ask a friend or neighbour to mow your lawn and collect in your milk or papers, or alternatively, cancel these deliveries. 80% of burglaries use forced entry, but 20% use the opportunity of an unlocked door or window or easily accessible opening. Caravan Insurance caravan insurance

There is nothing better than a glass of Scrumpy cider after a long day of surfing in Cornwall or Devon but there is nothing worse than trying to get dry and warm in an already damp tent. That’s why I no longer camp on my annual pilgrimage to the beach. This summer many hundreds of surfing amateurs and pros alike will be headed for British and European seas, and more of them than ever are going by caravan.

Caravans are by far the best choice for a surfing holiday; there is countless space for wet suits, towels and surfboards. I don’t have my own board but it’s much less expensive to engage one for the week as opposed to each day. It is not just less expensive but you have the opportunity to really get the experience of the board. Hiring a board for the week is pretty challenging without a caravan; even a short board would be hard to squeeze in a tent. That’s why I feel like a pro every year, despite sitting on my board in the green waves and searching for seals for most of the day.

The problem with caravans is the insurance. It is easy to forget to check if their insurance can give them the cover they require. If travelling to Europe then you have to make sure you have the right European caravan insurance or else you maybe left less mellow than the average surfer when something goes wrong! Don’t let some uninsured driver make you miss the surf this year, get caravan insurance!

Surfing all day means leaving the caravan unattended. Any true surfing lover will realize that the early surf is the better. When all said and done who would like to share the waves with the foam board tourists? That’s why you ought to ensure that your caravan insurance safeguards your contents. Particularly if you have any second boards left in it! A great specialist caravan insurance broker will be in a position to talk you through exactly what your policy includes.

Surfers are meant to be worry free so let someone else do the worrying! Don’t leave anything to chance this summer and get the right insurance for your caravan. Don’t forget that mileage, overseas travel and what you require to protect can all have a bearing on your cover so chat with an agent that can find the correct policy for you. Enjoy the surf!

It’s sometimes difficult to get caravan insurance to cover exactly what you want it to. If you want to ensure that you don’t get swindled by your insurers it’s best to use a broker that has good relationships with insurance brokers and who know their field inside out. Click on caravan insurance to go to Coversure’s website.

It was five years ago, on my yearly trip to Leeds Festival that I became a caravan lover. That year I didn’t have an early pass and was eager to find a place to camp before there was no space left when the strap on my main rucksack broke. I balanced it on my tent bag and trudged on through the, now fluid, mud. Subsequently this additional weight then broke the strap on my tent bag, leaving me stranded.

Fortunately some friends of mine were nearby in the caravan section and helped me carry my things to their caravan. What luxury! It was only a cheap caravan but when equated with my one-man tent in which I couldn’t lie down straight, even without my bag, it was brilliant. How jealous I was of their luxury caravan when I opened my bag to find half of my things broken and damaged by the fall in the mud.

The next year I was of course in one of those dry, warm caravans and happily watched the other festivalgoers struggle with their bags. Evidently my luck hadn’t improved and the caravan flooded. Again my new Top Shop inspired festival wardrobe was destroyed together with the majority of the caravan.

Thankfully I’d thought to make sure contents were included on my caravan insurance. We didn’t have to worry about the harm to the caravan and I would even say we enjoyed living in the damp for three days. When all said and done, it is all part of the festival experience.

Now we have annual caravan holidays abroad, which are ideal for a cheap holiday with friends. I wouldn’t stop my caravan holidays for anything and definitely wouldn’t risk an uninsured driver crashing into us and spoiling our tradition. Since the flood incident I always ensure we have the right insurance cover for whatever country we happen to journey to, it’s so critical to have the right cover for European travel.

If you have an RV then you have good taste, and really know how to have fun. Enjoy your motor caravan and go on holiday. But don’t forget that holidays are meant to be stress free; with our less than reliable weather this isn’t forever the situation. Get the right cover for your trip and have a good time!

You will need to make sure that when you go to your festival or off on your vacation that you have the correct caravan insurance to cover everything that could go wrong. Coversure are a trusted insurance broker with strong relationships with insurance providers. They will be able to secure you the best deal on your caravan insurance.