Anyone owning and operating an HGV will know the importance of finding the right vehicle insurance for an HGV fleet. There are a myriad of risks involved in the haulage industry, not simply for the drivers and vehicles themselves – for example, the sort of goods carried by your vehicles may necessitate goods in transit cover or the inclusion of public liability cover if there is any kind of risk to the general public.
Just as with ordinary vehicle insurance, a fleet operator can take some simple precautions to help reduce the risks to the business, to the staff and to the vehicles, such as carrying out regular servicing and only employing drivers with clean driving licences.
Anyone looking for HGV fleet insurance should consult a specialist insurance broker with a dedicated expert team in providing HGV, truck or lorry experience. They will have the expertise to find insurers who can meet your needs, such as providing and management services for companies with three or more vehicles.
It’s worth knowing in advance exactly what automatic cover and extras you will need to keep your vehicles on the road in the event of an accident – some insurers will provide free courtesy vehicles, such as like-for-like trucks, at no extra cost.
Look for HGVthat gives you an unlimited mileage policy and will also include free legal expenses.
If your drivers are experienced and have accident and offence-free records, insist on protected no claims bonuses for them to reduce your premiums.
And another way to make paying your premiums manageable is to find an insurer that gives the option of monthlypayments to be made via direct debit.
If you’re just starting out in the driving business, there are large introductory discounts available for new couriers and new ventures, so make sure your expert insurance team finds the best deal on the market for you.
Running a business can be tough but finding HGV fleet insurance need not be a difficult task with the right expert help to hand.
Blueangeltech is a leading UK broker and can provide HGV fleet insurance advice and quotesRead More
Bus insurance, passengers, long hours, and low pay are all things that people in the trade consider to be negative factors about driving a bus. Whilst there are bad sides to it, it really isn’t as bad as it seems and it’s better to just look at the positive sides. Any bus drivers who are reading this are sure to feel much better about everything after this.
Nobody likes taking out insurance. It’s a hassle and the quotes seem to creep up each time. But with the introduction of online insurance drivers can now just renew their policies online. And this can apply to most forms of insurance. Go online and the whole thing can be done in one’s lunch hour.
Passengers are not all bad. Yes, the chances are you are going to have a group of chavs at the back of the bus banging out their tunes every now and then, but when working with the general public you can encounter the kindest people in the world. Just remember all the good instances of the general public pulling together and the bad will just disappear.
The long hours are a problem, but think about it another way. Whilst driving a bus it’s all about sitting down all day. Any driver can guarantee that they are going to see something different on every shift. It’s not like sitting in an office where the same wall is there every day. As a driver, on one day a seagull might crash into the window and on another a child might get hit by a Frisbee. You never can tell! The strangest, the funniest, the scariest, and the weird are what you can get during these long hours.
The pay isn’t fantastic as a bus driver, there’s no getting away from that. But if the driver really enjoys what they do then the pay shouldn’t matter. The driver gets to have the freedom they want and they are practically working both inside and outside. What could be better than this?
Get bus insurance at Blueangeltech, leading UK motor insurance providerRead More
Not wanting to spend a lot of money on, is not always in your best interest, as sometimes you do not have the best insurance policy for your vehicle that you really need. Rather, look at means of reducing your motoring costs instead of cutting back on insurance premiums.
Insurance companies when quoting a policy for you, look at various factors pertaining to your van. They check the mileage the van does on average, the type of cover you request and the voluntary excess, the market value of your van, the security that you have for it and where you keep it overnight. Some of these are in your control so it is worth checking out the self-actions to get cheaper van insurance.
When applying for van insurance, do make sure that you disclose all information on what you use your van for. If you do not do so, there may be a problem when needing to make a claim. In fact if you have not declared all necessary information, they might not pay out at all.
How premiums are arrived at
Premiums for vans are dependent on the different types of vans on the market, with the make and models divided into different groups of insurance, being used to fixing the annual premium. Risks determine a rating that runs from one to twenty, with one being the lowest risk and twenty the highest. To be eligible for a lower rating it is advisable to buy one that falls in to the under five group.
It does not matter whether you use your van for social or commercial use, every driver aims to get.
What insurance companies want to know
• Are you using the van for business transportation of tools such as those necessary for plumbers, builders or gardeners
• Are you using the van for transporting other peoples good for payment? In other words, for delivery
• Using the van for domestic and pleasure use. This also allows you to use your van taking you to and from your workplace as well.
Drivers can find cheaper van insurance at BlueangeltechRead More