Posts Tagged ‘transport’

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A Story About Fleet Insurance

Monday, October 3rd, 2011

As the manager and owner of an electrical contracting business, I own eight Vauxhall Corsa vans for my employees to use, and I cover the vehicles on a fleet insurance policy. I started the business three years ago, and have employed the same broker for the entire time. After business began to boom five months ago, I thought it was time to employ two freelance electricians, and therefore had to buy two new vans. This brought the total up to eight, and I added the two new vehicles to the fleet insurance policy.

About two months ago business started to slow and reluctantly I couldn’t afford to keep on my two new freelancers, so I had to reduce their work. This left me stranded with two vehicles that I didn’t really want to get rid of as I could foresee business picking up again.

The vans were being kept in a friend’s lockup, and so I didn’t want to insure them if they weren’t going to be used. I therefore spoke to my insurance broker about taking the vehicles off the fleet policy, to which he explained about a new continuous insurance enforcement law, which has been put into place to attempt to control the rising numbers of uninsured drivers.

My broker explained to me that if I didn’t insure my vehicles or declare them ‘off the road’ or ‘SORN’, then I would be committing a criminal offence which would have consequences. The government use CIE systems to cross analyse the DVLA database with the Motor Insurance Database (MID), the information from which means they can then contact drivers who haven’t been insuring their vehicles. If insurance is not purchased, the driver will face a fixed fine of 100, and could face anything as serious as a court prosecution and a fine of 1000, as well as the possibility of the vehicle being clamped, seized and destroyed.

Following this advice from my broker, I decided to keep both the vans insured, as it would cost me a lot less to do this than face fines and any court prosecution. This advice saved me from unintentionally breaking the law, and therefore the information was very useful and gratefully received.

I would advise all businesses to speak to a local broker, the advice you get can be invaluable and they also work hard to ensure you have the most competitive price. Don’t get caught out by insurance seek advice from a professional.

If you want to get some fleet insurance for your family or your business, then you should get in touch with Coversure. They are an independent insurance broker with a great reputation and so they can get you the best deal around. van insurance

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Fleet Insurance – Fleet Origins

Sunday, October 2nd, 2011

Within the confines of an insurance organisation “Fleet Insurance” is a phrase thrown about all the time, with little or no thought about the origins of the expression. This type of insurance is simply a product, along with all our other products, and we are relied upon to find the best and most suitable policies for our clients. These can range from truck fleets, to van fleets, and car fleets to lorry fleets.

While I was studying my for my A Level exams, I was given a life-long interest in etymology after reading Simeon Potter’s book, ‘Our Language’. I enjoy trying to decipher the origins of words, and have realised that by researching the origins, I have gained a deeper understanding of the word itself. Before researching, I believed a ‘fleet’ referred basically to there being ‘more than one’ of any given thing, and that the word dated back to the times when the empire had fleets of ships at its command.

In a moment of weakness, I decided to look it up. It must have more history that that, I thought. And I was right. According to a brilliant web site I have found, called Word-Origins, Fleet comes from a very old Indo European word – pleu-, meaning ‘flow, float’ but the actual word Fleet comes from another derivation of the plue which is the German word fleutan which means ‘float, swim’.

There is a lot more on the page, so if you are interested you ought to have a look. I was interested to see that Fleet Street has got nothing to do with ships, but relates to an inlet from the Thames, and that the word “fleeting” as in “fleeting glance” is all that’s left in our language from the old verb. In the 16th century it adopted a sense of transience.

Searching the origins of words gives you a little insight into what some insurance brokers do when they aren’t finding the best quotes for their customers. I’m sure all the other insurance categories we cover have equally interesting names, and I will research them when I have the time.

Fleet insurance is available to households or businesses, to get more information, visit Coversure. They are a reputable independent broker who can secure you a grea deal on you fleet insurance.

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A Moving Checklist That’ll Help Make Your Move Less Stressful

Sunday, September 4th, 2011

Moving home leaves you with more than enough to think about already, so it helps to have a moving checklist on hand to make sure that you don’t forget anything you need to get done. Here are five important points to get you started.

1) Get Quotes From Removal Firms

Try to get quotes from a number of different removal firms as far in advance as possible: you want to make absolutely sure that they’re available on your moving date. Getting quotes from a few different companies means you know the rough price to expect and can work out which one would be best for your needs. Don’t forget to ask whether they will provide any packing supplies – those will come in very handy!

2) Compare Renters Insurance Quotes

When you move, it’s important to check whether your renters insurance/ homeowners insurance moves with you. Note that moving to a new location could change what you’re paying, so now is also a very good time to look up renters insurance quotes to see if you could save. This won’t take you long if you use the internet to your advantage.

3) Time To Start Packing

Use the fact that you’re moving home as a reason to go through everything you own and get rid of the clutter that serves no purpose. This includes clothes you haven’t worn for over a year, old sentimental items you’ve forgotten about, and anything else that’s just not worth the effort of moving with you. You could even make a little extra money by selling these things over the internet.

At the same time, begin packing. It’s a daunting task, so breaking it down into small chunks on your moving checklist will help make it more bearable. Start with the items you rarely use and move on from there.

4) Check Your Car Insurance

Another expense that’ll probably change when you change address is your auto insurance quote. Insurance varies from area to area, so why not take some time out now to find cheap car insurance for when you’ve moved? If you use internet comparison services to your advantage then you’ll probably find you can save quite a bit of money.

5) Tell The Post Office To Forward Your Mail

To make sure you still get all of your mail after you’ve moved, you can set up a redirection service with the Post Office from the old address to your new one. You can also make a list of all the companies you’ll need to contact about your change of address.

Remember, your auto insurance quote is probably going to change when you move home, which is why it’s well worth seeing if you can save money! Renters insurance quotes” are also very easy to find – the internet means you can set it up without any stress!

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Is Gap Insurance Really Necessary When Searching For Affordable Car Insurance?

Monday, August 29th, 2011

Affordable car insurance usually makes us think of getting the cheapest policy possible, without any frills, that’ll keep us protected financially in the event that we damage somebody else’s vehicle. However, this kind of insurance isn’t going to protect your finances should you total your car when you haven’t yet paid it all off. In this case, gap insurance is vital.

What Is Gap Insurance?

Gap insurance covers you for the depreciation of your vehicle while you’re still making payments on it. As most of us know, our cars lose value from the minute we get the keys and start driving them. If you were involved in an accident before you paid it off, your insurance may only pay out for the value of the car at the time of the accident, yet you’d still owe payments on the value as new. This is what gap insurance coverage is for.

Who Should And Shouldn’t Buy Gap Auto Insurance

Note that gap insurance coverage isn’t needed in all cases. There are two different circumstances in which it is definitely necessary, however: 1) You’re leasing the car and have an agreement that states you are responsible for the value if it’s stolen or totaled. 2) You bought the car on finance and owe more on the car than it is worth now.

Is it really necessary, though? The short answer is yes! Why? Because the gap between the two amounts can be quite big, leaving you with a big deficit that you may not be able to afford. When you take out gap insurance, you won’t have to worry about this happening.

On the other hand, there are occasions where gap insurance coverage isn’t really necessary. That is, if you paid most of the cost upfront so that your outstanding payments are worth less in total than the value of your car. In other words, if there’s no shortfall between the amount outstanding on the car, and the amount insurance would pay out for it, you don’t need this type of coverage.

How To Pick The Best Gap Insurance Cover

Gap insurance policies will often come with certain restrictions. For example, you’ll have to take out the policy within a certain time frame after buying the car, and they may only be available to certain vehicle age brackets. As well as reading the terms carefully, you’ll also need to spend time comparing quotes. It may be time consuming, but it’s worth doing to secure affordable car insurance.

Affordable Car Insurance can help you find the cheapest gap insurance quotes available. You’ll just need to answer a few questions and enter your zip code, and you’ll see your quotes side by side within minutes!

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Obtaining Insurance Quotes On The Web Is Uncomplicated

Tuesday, August 16th, 2011

The net is among the most vital inventions of our time. By simply going to a web site, we can get quotes today without having even leaving our house or making a telephone call. Any 1 of a variety of web sites will provide you with quotes in just minutes. Back in the old days, acquiring quotes was significantly harder.

Just by doing several clicks on your desktop you could acquire information and facts about a number of items like the structure of insurance providers, policies, applicable laws in your state, and lots of other items. Whenever you ask a provider for quotes, they’ll just must know a bit about you, where you live, and the automobile you drive. That’s all you’ll must do to get a quote. Most web sites will respond inside minutes.

An excellent benefit of this method is that you will find no insurance salespeople involved. You do not have to rely on rumors and hearsay and you also get to delight in the vast number of selections available to you. You might even choose to look at neighborhood corporations operating inside your region. It’ll only take you a couple of minutes to go by way of the rates and terms that they offer you.

Because of the internet you can compare, for example, a Texas car insurance rate of 1 company to that of yet another. Following obtaining a quote, it is possible to even go on the net to see if there are many consumer complaints.

If you do not like the offer you from one firm, it is no large deal. Just move on towards the subsequent 1 and get an additional quote.

Just a couple of hours will yield you a wide variety of insurance policies to select from. Plus, you will know you are dealing having a reputable corporation that treats their customers nicely.

You should get auto insurance quotes on the internet. Read more info about cheap auto insurance quotes.

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Thinking About Importing USA Auto Salvage

Monday, April 18th, 2011

One of the largest owners of car in the world in America, so it goes without saying that the USA has probably the largest quality of auto salvage for sale from insurance companies in the world. They all tend to be sold off through large salvage auction yards right across the states.

If you think this all sounds too good to be true, well you wouldn’t be far wrong. There are still laws, rules and licenses required to be able to buy Auto Salvage in the USA, just can’t walk into a salvage auction house and bid on cars, like you can in other parts of the world.

There is good news though and that is that America allows the sale of vehicles that can no longer be registered in the USA. This means there are scores of salvage vehicles that can only be bought for parts resale by someone with the correct license and be in the trade. If you don’t live in the USA you can get access to these cars if you export the vehicle without any licenses.

There are still limitations of course, like membership to auctions and sometime paying a deposit up front before the auction starts. But if this be overcome, there can be a huge arrangement of auto salvage to buy, that only licensed breakers can buy to scrap for parts. The typical speculator is not allowed to bid on these vehicles.

A UK based website called SalvageSpareFinder is also something to consider. By joining the online system, you will direct access to the software that allows you to bid in real time with large Salvage Auctions across the USA. You still need to pay your deposit and there are also commission payments due, based on the amount you end up spending.

Before you buy a salvage project you should think about how to get it from the United Sates to your own country of residence. This will involve and export process at that end and an import process where you are, that normally involves a shipping company. As far as getting the vehicle from the auction to the nearest international dockside is very easy, as most auctions have connection and contacts who for a fee will ship it across country very quickly.

Finally you should be considering taxes, such as “import tax” and “purchase tax” that is often on the total cost of purchase, including delivery not just on the car. How country import laws will handle a vehicle that has been deemed as Salvage in the USA, will be unique to their own borders.

An example of an article wtitten about auto salvage as well as offering Cash for old vehicles within the UK.

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The Reason 50cc Mopeds Kicks Over The Rest

Thursday, October 28th, 2010

50cc mopeds are seen by most people as the answer for their need to economize or minimize expenses related to gasoline and transportation. Because of this, more people are becoming interested in buying a 50cc moped scooter, or even two.

Because expenses are becoming very high in the current economic climate, lots of people are looking to save extra money, and probably the main way that people do this is to reduce their monthly expenditure. This includes gasoline as a living cost. Due to this, mopeds can be an excellent way to travel around for a cheaper cost. The cost of running a 50 cc moped, is a fraction of what it costs to run a car.

Because of this rising demand for scooters, there are a large amount of 50cc mopeds the sale almost everywhere you look. Many companies that usually make motorcycles, have now started to also make mopeds.

You can also find several used 50cc mopeds being sold by their owners as well. It is best to buy brand new because then they come with a warranty as well as the needed 50cc moped insurance, but in tough times buying a second hand 50cc moped is okay as long as you make sure that you are getting a good one.

People usually buy used 50cc moped scooters because they want to buy mopeds for a cheap price. While buying second-hand ones is a common way of buying 50cc mopeds cheap, there are other ways that you can land a well-priced purchase with the dealers. You simply have to look around and be patient enough to look into at as many shops as you can. Chances are, you can find a brand new 50cc scooter for a very good price if you just take the time look for it. Remember, cheap 50cc mopeds exist, but you have to take the time to look for them.

If you actually do end up deciding to purchase a mopeds scooter, then it’s really important to make sure it’s in really good condition before you buy it. If you were buying a Yamaha 50 cc for example, you would want to take it for a quick test drive around the block, just to get an idea of how well it performs.

Remember, even if you have the fastest 50cc moped in town, it won’t mean a thing if there are defects when you buy it. So always be meticulous when buying second-hand 50cc moped scooters.

So if you would like to get rid of the car or truck, or even just are interested in 50cc mopeds I highly suggest you look into them some more. There are many different makes and colours of 50cc mopeds for sale and you’re sure to find one that suits you.

categories: cars,motorbikes,mopeds,scooters,bikes,auto,cars,auto insurance,transport,transport,travel,environment

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This Article Contains A Short Few Simple Arguments Why You Should Consider Shopping Around For Fleet Insurance

Sunday, October 17th, 2010

Congratulations if you now qualify for fleet insurance, which means your business has grown enough for you to have a large number of vehicles which are necessary for fleet insurance purposes. You no longer qualify for “no claims bonus”, but your annual renewal is based on claims.

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

You may not be shopping around because it is hard work, and the likelihood is your broker won’t shop around for you either. However it is a good idea to shop around as this is the easiest way to save money.

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.

You need to do more than just give yourself six weeks though. Most insurers will need to know the details of your last three years’ claims. Make sure you know the amounts of each claim, and which event each amount is related to. If you were involved in a driving accident which wasn’t your fault, the insurers will need to know about the third party paying. You are entitled to and should gain this information from your existing insurer, who are legally obliged to give it to you.

You will need all the details of all your vehicles if you are using an alternative broker. These details include the make, model and where the vehicle is stored overnight. The drivers will all also have to give their details, including age, gender, driving licence details and driving related convictions. Gathering these details will not be a wasted effort because you will need this information for your broker.

With fleet insurance, your administration is simplified, and so it is very convenient, but it can be quite difficult to get the best deal at renewal.

Home Insurance fleet insurance These details include the make, model and where the vehicle is stored overnight. Planning at least six weeks in advance of your renewal is the only way of making the best savings. Find out from your insurance company to see if your home contents insurance covers the very expensive items in your car.

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A Story About How I’ve Managed To Acquire A Personal Mini-Fleet And I’m Covered With Simple Fleet Insurance

Thursday, October 14th, 2010

Being the owner of four cars, I found insuring them all separately both time consuming and costly. I have recently spoken to an insurance broker who has informed me that under a fleet policy, I could save time and money. The fleet policy means I can have one policy for all my cars, meaning I only have to renew it once, saving me time and hassle. The single annual premium charge has also worked out far cheaper than insuring all the cars under separate policies.

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.

I was shocked to learn that I could also add my wife’s car to my fleet insurance policy. I have saved so much time by using one policy as opposed to four separate ones. If your household has three or more cars and fewer drivers, you should speak to a good insurance broker who will be able to sign you to a fleet insurance policy, saving you time and money.

Truck Insurance fleet insurance 80% of burglaries use forced entry, but 20% use the opportunity of an unlocked door or window or easily accessible opening. While millions of Britons go away over the summer, many people don’t know how to keep their home safe while they are away. Dad was fine, but the truck wasn’t doing so well.

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Ensure You Get The Right Cover On The Automobiles That Mean Something To You To Avoid A Painful Parting

Monday, October 11th, 2010

My Dad’s old truck used to sit outside the house, and when me and my siblings were younger we all used to sit in it and play games. Now we’ve grown up and moved out, but we still love it now, although it has become quite old and a little unreliable. For those frequent times when the car breaks down, Dad arranged breakdown cover through his truck insurer. I didn’t mind these breakdowns though – the picnics in the truck whilst waiting for the RAC were quite enjoyable.

One day I was visiting home and the truck wasn’t there. An uninsured driver had hit it! Dad was okay but the truck had seen better days. I remembered the family lectures on insurance when I had got my first car and knew everything was going to be fine. I had been so annoyed when my parents had convinced me to spend all that money on fully comp insurance that I would never need and argued with them for days. I’ve now made about 3 claims and am glad I paid a few premiums.

Next week the news came. The truck was dead. The insurance company hadn’t let us down; there was a shiny new truck outside, in the old truck’s place. My brothers and I were not impressed. It wasn’t the same at all. Dad of course was very happy. He’d made sure he had the right cover and over the years it had paid for itself in jobs he hadn’t missed and now the truck he could still drive.

Now I’m older and have children, I make sure we all have the correct insurance for our vehicles. The truck is now mine, but it isn’t as shiny as it used to be! It is mainly used to ferry the eldest to and from university, and I make sure i have breakdown cover on my insurance – if it broke down, none of us would be able to fix it!

Dad doesn’t find the best insurance deal for me anymore so I go to a broker that can search through loads of different truck policies and do the work for me. All I need to do is call up if I need to know anything about my truck cover. If your truck, like mine, deserves proper protection then make sure you have the right truck insurance by talking to a good insurance broker.

Also either ask the friend to turn a light on in the evening, or set a timer to do this for you. Your broker negotiated a fleet rate for you. Fleet Insurance caravan insurance I quite enjoyed our frequent picnics in the truck whilst waiting for the RAC by the road.

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