What You Need to Protect Your Trucking Business


Protecting every aspect of a trucking business is critical for ensuring its future success. If this isn’t done then it can easily lead to lengthy and damaging legal cases. But the good news is that protecting a trucking business isn’t that difficult. In total there are four different aspects that have to be covered. Get fleet insurance quotes and make sure all of the below areas are covered.

Cargo in Transit

The time when cargo is most at risk is when it’s in transit. The truck can crash, the cargo can roll around inside the back of the truck, or any one of the supports can break. When it comes to expensive and valuable cargo any damage could lead to a backlash from the original client. Through insurance any damage can be protected against.

Cargo in Storage

Cargo is still at risk even whilst it’s been stored within a warehouse. If a fire breaks out or the security system fails then it can lead to a lot of lost cargo. Again, if the cargo is particularly valuable then it can lead to a big loss for the company. But don’t let it be a loss via legal proceedings. Make sure any impact that’s incurred via legal proceedings is protected against.

The Trucks

The trucks themselves are the most important tools of any trucking business. If a truck is put out of action then the initial job is ruined, but it could also lead to the company turning down work in the future as they just can’t complete it. That’s a big loss of money there. And then there’s going to be even more money lost when it comes to actually repairing or replacing the truck itself. It can effectively wipe out a company’s yearly profits.

The Employees

Employees can be injured anywhere. They can be injured in a road accident or on the premises of either the company or a client. If they are forced away from work then it’s up to the company to compensate them if the case goes to court. Many of these cases do go to court and it’s necessary to make sure that this cover is included in all fleet insurance quotes before settling on a policy. However, if it doesn’t go to court then it’s fine to just keep paying them their normal salary without having to worry about insurance.

You can get fleet insurance quotes at Blueangeltech

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Prepping a Minibus for a Commercial Venture


If a commercial venture requires the use of a minibus then it’s necessary to be able to prep it before taking it into the business. Failure to do this can have dire consequences as it can lead to the business being unprepared for its duties and subsequently angering customers. Commercial minibus insurance, structural demands, and usability are all factors that have to be taken into account.

Insurance

If the minibus is being used for anything other than private or personal purporse then commercial minibus insurance is compulsory in order to use it on the roads of the UK. To find insurance simply perform a Google search and then choose from a wide variety of companies. However, to find the best deals it’s important to be able to use insurance comparison sites. These sites can find the best deals and use current rates in order to provide the most accurate results. Just remember to use multiple comparison sites to obtain the most accurate results as some sites will update their information more quickly than others.

Structure

The minibus has to have the right structure for the business. If there are no wheelchair facilities and the business happens to specialise in travel for the disabled then the minibus has the wrong structure. It can even be something as trivial as not having enough seats. If the structure of the minibus is wrong then opt for a different model. However, for those who are handy it’s possible to customise the bus to suit the firm’s needs.

Usability

Is it usable? That’s the question that has to be asked from the very start. If the minibus is expected to travel across difficult terrain then it needs the facilities to be able to do just that. It also needs to be compatible with the firm. If the firm only has a garage that can hold a minibus of a certain size then buying a bigger minibus would make it unusable. Always keep in mind what the goals and the purposes of the business are before purchasing a minibus.

Redmetro is happy to provide quotes for commercial minibus insurance

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What does the best HGV fleet insurance offer?


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 hgv fleet insurance 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 HGV fleet insurance that 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 monthly hgv insurance payments 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 quotes

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Why Driving a Bus Isn’t as Awful as it Seems


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.

bus insurance

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

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.

Long Hours

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.

Low Pay

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 provider

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Buying Cheaper Van Insurance


Not wanting to spend a lot of money on van insurance, 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 cheaper van insurance.

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 Blueangeltech

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