Insuring a Fleet of High End Cars

  Richard Shay        September 16, 2018

If you have a collection of high end super cars then you certainly want to make sure they’re fully protected with a solid insurance policy.

Although you can get separate policies for your vehicles, there are some key benefits to getting them insured together under the same policy.

Why get fleet car insurance?

Below are some of the main benefits of getting your cars insured as a fleet –

• Save time – Getting your cars insured together under one policy is much easier than having to manage separate policies for each. It also makes it easier if you need to make a claim.
• Save money – Another big benefit of getting your cars insured as a fleet is that it enables you to save money. In a lot of cases, fleet insurance works out cheaper than getting separate policies.
• Highly tailored policy – With fleet insurance, you can also tailor the policy to suit your exact needs. You can choose the level of road risks cover you want from the usual options – third party only; third party, fire and theft or fully comprehensive. You can also add any additional types of cover you need, such as breakdown assistance, liability claims and windscreen repair.

Saving money

Below are some of the best ways you can save money on fleet car insurance –

• Get a lot of quotes – This is a very obvious way to save money on fleet car insurance. It makes sense that the more quotes you get, the better informed you’ll be and able to choose a policy that’s the best value. If you’re looking for fleet car insurance quotes then you can get them easily from https://www.cheapfleet.co.uk/
• Get a limited mileage policy – If you do own high end cars then there’s a good chance you only use them for certain purposes or on special occasions. If this is the case then one of the best ways you can save money is to get a limited mileage policy.
• Make your property as secure as possible – Any steps you can take to make your property more secure can help to reduce the cost of your cover. An alarm, secure fence/gate and window/door blinds can all help. If you’re looking for door blinds in particular, Blinds 4 Bifolds Ltd has an excellent range.
• Pay annually – Another excellent way to save money on car fleet insurance is by paying for your policy annually rather than monthly. This puts you in an excellent position to negotiate a lower rate with insurance providers since they’ll be happy that you’re paying more upfront.

Getting the Right Type of Cover for HGVs

  Richard Shay        July 28, 2017

If you own heavy goods vehicles then you need to make sure you get the right type of cover for them.

The type of cover you’ll need to get will depend on the type of trucks you have, for example if you have a fleet of skip lorries that need cover then you’ll need to get skip lorry insurance from a site such as http://www.multiquotetruck.co.uk/

Below are some of the main types of cover you can get with a HGV insurance policy as well as some ways to save money –

Types of cover

• Road risks – Road risks are the most fundamental type of cover you need when taking out a HGV insurance policy. It will ensure that your trucks are road legal and if you take out a fully comprehensive policy, then they’ll be covered for all types of collisions. If you want to save money then you can get a third party only policy.
• Public liability – Public liability insurance is another very important type of cover when you own HGVs. It will ensure that if a liability claim were to go against your company, you’d have enough money to cover it. You can also have legal expenses included.
• Breakdown recovery – Breakdown recovery is extremely important as it will ensure that if any of your trucks breakdown, they’ll be back on the road again ASAP.

Saving money

• Pay annually – If you can pay for your policy upfront on an annual basis then you’ll be able to negotiate a lower rate with insurance providers. Although you pay more initially, it is a good way to save money in the long term.
• Hire reliable drivers – Hiring reliable drivers, who are over the age of 25 and have a clean driving and criminal record will certainly help to lower the cost of HGV insurance. This is because insurance providers always think about how likely you are to make a claim on your policy when coming up with a price. More reliable drivers means less chance of making a claim.
• Get multiple quotes – Getting quotes from different providers is a very good way to save money on HGV insurance. It’s very easy to get quotes now by using an online insurance comparison service.

Getting Insurance When You Have a Speeding Conviction

  Richard Shay        June 3, 2017

At one point or another, almost everyone has broke the speed limit, even if just by a small margin. Whilst the law says that you can be given a speeding ticket for exceeding the limit by just 1mph, in truth this usually isn’t the case.

In order to be landed with a speeding conviction, you will most likely have been exceeding the speed limit by a noticeable margin. The harshness of the penalty you receive usually depends on how fast you were going as well as other circumstances such as whether anybody was hurt.

The new speeding fines that been introduced in the UK mean it’s more important than ever to watch your speed since the punishment can be quite severe.

Where to get insurance

If you do have a speeding conviction then you might be worried that it will hinder your chances of getting insurance at a reasonable price. Although it’s true that having a speeding conviction makes it harder to get car insurance, it doesn’t mean it’s impossible.

The best way to get car insurance when you have a speeding conviction is to go to get quotes from specialist providers. Sites such as Conviction Insure enable you to get quotes from convicted drivers insurance specialists in a quick and easy manner.

Do you need to declare your conviction?

Whether or not you need to declare your conviction when looking for car insurance will depend on whether your conviction is spent or unspent. How long until a conviction is spent i.e. you no longer need to declare it, will depend on how severe your conviction was.

To find out more about your conviction, you can see a full list of UK driving penalty codes here.

Ways to save money

• Get a limited mileage policy – If you only drive infrequently then you can benefit from getting a limited mileage policy. This is where you agree with your insurance provider to stay under a certain number of miles for the duration of your policy in order to cut down the chances of you making a claim.
• Limit cover options – Another way to save money on your insurance is to get a third party only policy. This obviously doesn’t provide much protection for your own vehicle but it does mean you can drive legally.
• Pay annually – Paying upfront isn’t for everyone but it will give you the chance to negotiate a lower overall rate for your policy.