Monthly Archives: September 2011

Top Tips for finding the best let property insurance quotes

When looking for a let property insurance quote, the job at first may seem quite daunting. There are many companies who offer let propety insurance, and as a result you may find yourself at the bottom of a pile of policies and quotes. Well just as with any product, finding the best let-property insurance quote isn’t that difficult, if you know how.

Here are a few points below which should help you in your quest for the most appropriate insurance deal.

  • first and foremost, the thing to remember is that you are not looking for the cheapest quote; you are looking for the quote which gives you the landlords cover you need. The cheapest buy to let-insurance isn’t necessarily always the most suitable – it’s the quality of the policy which may be important to you;
  • as the internet gives us access to many companies, we have been given the ability to compare prices like never before, but when looking for landlord-insurance, it may be a smart move to compare the cover offered by the landlords-insurance policies first, and then look at the prices;
  • as with all insurance policies, it may be a good idea to read through the small print before you sign up and see if any discounts may be available too. Some companies may offer, for example, flexibility on the amount of voluntary excess that a client chooses to pay. Often it is the case that when you opt to pay a higher amount of excess the total cost of the policy may be reduced. But again it’s what works best for you;
  • loss of rent cover due to an insured event. Not all policies include this as standard, so it may make sense to check before you buy your landlords cover;
  • replacement locks may be something which seems trivial but is often very expensive to repair, and it is also a situation which some landlords may find themselves in at some point.

This cover is often not included as standard in some landlords policies.

Insurance is a personal thing, and it may make sense to choose the cover that is suited to your personal situation. Cover does change between providers, and even the payout levels can be different, so always make sure you fully understand what is covered and up to what limit, and don’t be afraid to ask if you are not sure.

Landlord insurance may be important for anyone with a let property, and just as with regular home buildings and contents insurance, knowing that your property is safe, and insured against damage, means you can sleep peacefully. Getting what you think are the best let property insurance quotes means you are one step closer to getting appropriate cover and that all important peace of mind.

What Does Van Insurance Actually Cover?

In the UK, if you want to use your vehicle on a public road, you are legally required to have some form of basic vehicle insurance. If you own a van, you will require van-insurance. It is a legal requirement, simple as that! Insuring your van will also bring you, the owner, peace of mind as you will be able to rest assured in the knowledge that your van is protected.

If you own a van it is also more than likely that it will be an essential part of your day to day job. Therefore, it just makes sense to have it covered in the unfortunate event of it being damaged or stolen!

With commercial van insurance you are covered against a whole range of potential risks and dangers, and you can choose to insure your van in three different ways. You can choose third party cover which is the cheapest and will cover you for any damage caused to someone else’s vehicle or property, along with any injury you may cause to someone else if your van is involved in an accident. Third party insurance will not cover any damage, loss or theft of your van however.

Then there is third party, fire and theft insurance. This will give you the same cover as listed above for third party, however with fire and theft, you will also be covered for the cost of repairing or replacing your van if it is damaged by fire or if it is stolen.

Then there is the most inclusive cover you can possibly buy for your beloved van, and that is fully comprehensive cover. This level of cover includes third party, fire and theft van-insurance, and in addition you will be covered for any repairs that will need to be made to your van in the event of an accident. Some comprehensive insurance policies will also include extras. For example, some insurance policies will cover any personal belongings left in the van, along with a number of other added extras.

Choosing the type of cover for your van can be a tricky choice, however, if you want to ease your mind, and you are not too worried about the cost, then fully comprehensive cover is surely the best way to go, particularly if your van is your livelihood. Why skimp on costs when you can guarantee your van is protected against all unfortunate circumstances that may arise?

Living the Life of a Taxi Driver

Mr. Cab Driver [Explored]
Creative Commons License photo credit: 85mm.ch
The life of a taxi driver can indeed be testing. Working all hours of the day, far beyond the normal 9-5 most days, can be draining, especially if you are by nature, a friendly, outgoing character, as most taxi drivers seem to be, by the end of the day you can really feel the strain of driving around all day doing the best to make every customers experience a pleasant one. Engaging in conversation with each and every customer can be tiresome, yet most taxi drivers manage it as they want to add a personal touch to each journey.

In some of the biggest and best cities in the world, namely London and New York, our taxi drivers have built a reputation of being polite, courteous, friendly, and very welcoming. It is a testament to them that they have built, and sustained, such a reputation.

However, in order to maintain this reputation, each and every taxi driver must ensure they are able to still get out there and perform their role as well as they always have. By insuring their taxi with a suitable taxi-insurance-policy, they will be protected against a number of unfortunate circumstances that can befall them.

As aforementioned, being a taxi driver can be tiring work. Working late shifts, driving around at the dead of night, can be monotonous and so it is extremely important make sure you are wide awake at all times. Driving can be hazardous when you are feeling sleepy, and without wanting to sound too much like the governments health and safety adverts, it is important to pull over and grab a coffee if you are feeling the strain of a long day and all you want to do is nod off! Do not let nodding off be the last thing you do!

Health and safety lecture over, it is also vital that you protect your taxi. In the event of an unfortunate accident there are added insurance extras that can protect you so that you will be provided with a replacement vehicle whilst your taxi is being fixed. You wouldn’t want one accident to ruin your weekly income by putting you out of work, bills still need paying after all.

There are several forms of private hire insurance you can purchase, such as third party, third party fire and theft, and fully comprehensive cover. It is important to think about such things like the value of your vehicle, the level of security it has and any other risks that you may want to cover. Added extras are normally only included with fully comprehensive cover, so if you need extras, then investigate with the insurer about what level of cover you desire and require.

Hunt around for the best deal also, and make sure you find the right cover for your taxi!

Commercial fleet insurance – Why You Need IT??

Are you looking for a single insurance for your entire vehicle? Are you tired of all the paper work? Then you have come to the right place. When it comes to number in the world of insurance then fleet insurance is the best policy for any vehicle owners. Before we go into detail of how to get cheap commercial fleet insurance let us discuss briefly about what is the meaning of commercial fleet insurance.

Fleet insurance as the name indicates is a special type of policy which is designed specifically for owners who own more than one vehicle under their name. This policy is also applicable for institutions, organizations which have vehicles registered to them. This policy mainly provides coverage to any number of vehicles owned by a single person or institution. In other words, this is a single policy for many vehicles. There are many reasons why this policy is the most favorite policy amongst multiple vehicle owners. The first and foremost is that single policy means less paper work, less head ache for the owners. Also when it come sot claiming the policy single policy helps the owner to claim the insurance without much worries.

Now many people tend to ask what this policy covers. This policy is very similar to comprehensive policy. TI provides all the needed coverage, however it is advisable that the vehicle owners do ask about the coverage from the insurance provider. Many companies provide limited coverage. So before buying make sure you have asked about this, in general this policy covers the theft and damage policy, the fire accident policy and some companies also provide third person liability policy. The next question which many ask is there a difference between commercial fleet insurance and normal fleet insurance. The answer is yes, a normal fleet insurance policy can be purchased by owners who own more than en vehicle and are using the choice for personal reasons. However commercial fleet insurance policy is mainly for people who use the vehicle for commercial purpose. For example vehicles used for courier, or vehicles used for transporting goods from one place to another. In these policies some companies also provide coverage to goods carried.

The best place to get a cheap quote on any type of commercial insurance policy is the internet. There are literally thousands of online shops which mainly deal with this type of policies. One can get huge discounts on any type of policy by buying the policy online.

Angella Brown is an expert author on various interesting topics. To know more about the various policies why not compare commercial fleet insurance yourself, from a range of top providers. For more in-depth analysis of insurance feel free to visit us at Blue Angel Insurance

What Are The Cost Of Renter Insurance?

It really not the landlords responsibility to have insurance for the property of the tenants. Of course the building that they are renting is insured. Hence when anything happens with the tenant’s property, their landlord will not be liable for it. These renters are even homeowners.

They may ask what is the cost of renters insurance . They will have to compare insurance companies that can provide these renters with the best renter insurance so that they can give the renter their money’s worth. Of course they want to have cash which is hard earned that will be carefully be invested in the properties.

This will vary from person to person when it comes to renter insurance. It will also depend on what property that they own and where they live as well. The reasons for this is that there could be a number of break ins and burglaries that are in that area. So insurance will be higher than say the safer environment. A tenant that has property of value will on average have to get renter insurance which is higher than normal. This is insurance for anyone that is a renter. They can be renting or staying in the condo or renting a house.

Answers they can get will be best from agents of insurance which are trained well with this information which they need for the renter insurance, benefits, policies and cost so they can see what they will be able to get. However the renter insurance will not cover furniture and clothes. With the disasters that are natural as flood and fire, the house will not be inhabitable. With this insurance they will be able to cover the home so it can be repaired. This is what they will need to have their things covered to be replaced.

Car Insurance Types

There are three main types of car insurance that you can purchase depending on the type of coverage that you want.

The first of these insurances is third party car insurance. This type of insurance is the most basic of the three. Third party car insurance means that if you cause an accident then the insurance company will only cover the cost of the damage that is done to the other vehicle. The insurance company will not cover damage done to your car. Accordingly this is the cheapest of all types of car insurance

The second type of car insurance is third party, fire and theft car insurance. This includes the above, but also extends to include cover to your car if damage is caused by either loss or fire. Accidental damage however is not covered. This will cost you slightly more than the basic third party insurance, but the extra cost is worth it for the peace of mind that the added cover brings.

The third type of car insurance that you can buy is comprehensive car insurance. This is the most expensive of the three but covers third party, fire, theft and accidental damage. This means that even if you cause an accident your vehicle will also be covered for any damage that has been done. For people who like to be covered in all eventualities this is the policy to go for. In addition, you will most likely be covered when you drive other people’s cars or hire cars.

Other than these three there are many specialty policies for things like rare or classic cars, electric cars and cars that are intended for business. You will normally need to look for these more specialist policies through a broker however. You can find independent insurance brokers who specialize in bespoke insurance (and other financial) packages by searching for companies that sell everything from classic car insurance to landlord insurance to umbrella companies and contractor insurance.

How Important is Home Insurance if you Work from Home?

Working from home is becoming increasingly popular as the costs of travel go up and people increasingly have more freedom to be flexible with their daily work schedules.

This has some implications for home insurance as people who work from home will start to have more expensive equipment in their properties such as computers that might have important data on them.

Normally a general house insurance policy doesn’t cover a business to be operating from home.  If you have laptops or equipment that you take out of the house you might consider taking out an “all risks” policy which would cover items taken outside of the house for loss or damage.

Depending on your business you might also need to take out some form of business insurance such as Public Liability Insurance.  If you have people visiting your home to do business, the chances are that you will need Public Liability Insurance to protect you if they have an accident in your home.

When you buy your contents insurance make sure that it has cover for the most expensive items in your home.  Some contents insurance policies won’t cover items that are worth over a certain amount, quite often £2000.  Be careful of this and check your policy carefully because you don’t want to find out that you aren’t covered when you really need it.

If you change your circumstances and start working from home, don’t forget to update your contents insurancepolicy to meet your new situation.  It’s quite easy to forget but it’s important to do because the home policy you have might not be valid if you need to make a claim.

Working from home might mean that you have to pay a higher premium for your home insurances and even lead to you having to buy a separate business insurance.  It could well be worth it however if you were to end up in the unfortunate position of having some expensive equipment damaged or stolen.

The Top Five Supercars

What are the top five supercars? To attempt an answer, this list includes only currently available high performance vehicles. Prices range from reasonable to exorbitant. Each car is a street legal production car that you can drive every day.

The 2012 Nissan GT-R sells for a bargain basement price starting at $89,950. Despite the low price, its 530 hp turbocharged V6 can carry you from 0-60 mph in a mere 2.9 seconds. Its quarter-mile time is 11.1 seconds and the car’s top speed is 197 mph. The impressive performance is due in part to a 0.26 drag coefficient that makes it literally slice through the air.

The 2012 Corvette ZR1 is the fastest production car ever produced by General Motors. The 638 hp supercharged LS9 engine launches the Vette to 60 mph in 3.3 seconds. The quarter-mile comes up in only 11.1 seconds and the LS9 keeps pounding the pavement to 205 mph. Shod with Michelin Pilot Sport Cup zero pressure tires, it corners at a mind bending 1.1 g. At the famed Nürburgring race track, the ZR1 completed the 12.9 mile course with a 7:19.4 elapsed time. At a price as low as $112,000, it is hard to beat.

The 2011 Porsche 911 Turbo S delivers an impressive 0-60 mph time of 2.9 seconds. The quarter-mile arrives at 10.6 seconds and the twin-turbocharged 530 hp engine effortlessly carries you to 195 mph. A torque vectoring system applies the inside rear brake on corning. This creates a yaw effect about the car’s vertical axis that aids in pointing the car correctly in turns. The car completes Nürburgring in 7:37 according to Porsche. It is an affordable supercar with a base price starting at $160,000.

The 2011 Ferrari GTO 599 rockets to 60 mph in 3.3 seconds and does the quarter-mile in 11.1 seconds. The top speed of the GTO is 208 mph. The 12-cylinder engine delivers 661 hp at 8250 rpm and 460 lb-ft of torque at 6500 rpm. A large supply of power is available from idle to redline making it a formidable machine on the track. In fact, it finished the Fiorano test circuit in 1:24, which is one second quicker than the Ferrari Enzo. The base price for this beauty is $383,500. Production is limited to 599 cars.

The 2011 Bugatti Veyron 16.4 Grand Sport is not only one of the fastest cars in the world, it is the most expensive street legal car in the world. You can purchase a Veyron for a base price of $1,700,000. The high-end models sell for $2,400,000. Its 16-cylinder engine boasts four turbochargers with an astounding 1001 hp and 923 lb-ft of torque. The car can reach speeds of 267 mph, but is electronically limited to 253 mph to protect the tires. It can go from 0-60 mph in 2.4 seconds and gets to the quarter-mile in 10.1 seconds.

Fleet Insurance Coverage

HDR Well Diggers
Creative Commons License photo credit: joe fakih gomez

Fleet insurance is much the same as single vehicle insurance with the exception that the former tends to involve more types, levels and restrictions of cover than the latter.

Choosing fleet insurance coverage is undoubtedly important to firms with a certain number of vehicles, not least because opting for the most appropriate insurance polcy with the most competitive insurer can save significant amounts of money in the vast majority of cases.

One of the first factors to consider when choosing fleet insurance coverage is size – not the size or scope of the policy, but the size of the motor fleet to be insured. Insurance companies tend to offer different packages and deals to different sizes of business; whereas some insurers tend to favour relatively small fleets, others offer savings to larger firms. Thus, a company with more than 100 vehicles might save money by purchasing a policy with an insurance company that specialises in larger fleets.

Another consideration of fleet insurance is the type of cover itself. As with private motor policies, the majority of insurers offer three main types of cover: fully comprehensive, third party only and third party, fire and theft. Additional fleet insurance options include windscreen and breakdown cover, legal expenses and courtesy vehicles. The type of cover chosen may determine some of the restrictions applied to the policies; however, such restrictions are likely to be imposed anyway and vary significantly between insurers.

Restrictions tend to be based on the purpose for which fleet vehicles are to be used. The most basic categories of use include social, domestic and pleasure (SDP) and SDP and business. Other categories include the carriage of waste or hazardous goods, private hire, public hire and haulage. Each category of use is likely to be subject to certain restrictions, so it is always necessary to examine the small print before accepting a policy.

Certain types of vehicle may be excluded or restricted under a fleet insurance group policy. Most insurers, however, welcome a range of vehicles, including a mix of cars, minicabs and lorries. Firms can make substantial savings by covering all vehicles under a single fleet insurance policy; in fact, fleet insurance coverage can be purchased by non-commercial users with several vehicles (usually five or more).

As with all types of motor insurance, the premium of a fleet policy is based in part on the people who are expected to drive the insured`s vehicles. Obviously, it is not always possible for a firm to nominate every driver, so insurers usually ask for details of drivers by age. Young drivers – particularly those aged between 20 and 25 – fall into the highest bracket of motor insurance, while older drivers are viewed more favourably by insurers. Most insurance companies place upper and lower age limits on the drivers covered under a fleet policy.

Fleet insurance premiums are also affected by the security of vehicles. Insurance tends to be significantly less costly when firms ensure that vehicles are fitted with the latest alarms, locks and tracking devices, which can also be used to monitor fuel consumption and vehicle routes. Premiums can be kept to a minimum when firms lock up vehicles in secure compounds or private garages.

In summary, just about any type of vehicle can be included in a fleet insurance polcy. Some insurance companies only deal with certain types of business or vehicle; for example, specialist insurers might concentrate on fleets comprising HGVs, taxis or coaches. Many insurers, however, allow a mixture of vehicles, so the manager`s Mercedes can be insured alongside the company minicab and haulage fleet. Firms investing in vehicle tracking and enhanced security to lower insurance premiums might consider using a loans calculator for the most competitive rates.

Campervan Insurance

campervan
Creative Commons License photo credit: Bleuchoi

Holidaying in this country has really taken off in the last couple of years with more and more people opting for campsites and holiday parks in the UK. This increase has also seen a rise in popularity for purchasing campervans allowing people to leisurely take in the country at their own pace. Taking a slice of home across the country has never been easier, though before you hit the road; make sure you have good campervan insurance.

Seeking out campervan insurance rather than standard motor insurance will not only provide better cover for your vehicle but is cheaper and better value for money. Taking out specialst insurance will work out more affordable than car insurance, even for classic campervans such as the iconic VW campers.

The reason for the affordable prices for campervan insurance is that research and recent statistics show that these vehicles are not high risk when insuring. On average campervans do not clock up lots of miles throughout the year. Whereas your car will be doing many miles each week often sat in rush hour traffic or parked in large car parks such as the supermarket, campervans are only driven for a handful of weekends and weeks away each year at a leisurely pace.

Those driving campervans usually avoid rush hour to get to their holiday destination and tend to be more experienced at driving. Avoiding rush hours helps decrease the likelihood of campervans being involved in accidents compared to the average car that drives through heavy traffic and often built up areas at peak times regularly each week.

This all helps keep the cost of comprehensive campervan insurance down compared to comprehensive car insurance. Within the insurance packages collision and liability costs are also lower compared to cars. You can choose between fully comprehensive cover, third party fire and theft and third party only.

Considering the costs of buying a campervan, comprehensive insurance is advisable. Remember that your campervan spends a great deal of time parked at your holiday or weekend break destination and could be affected by storm damage and the natural elements or fire and theft.

Campervan insurance polcy exclusions are typically using the campervan as a permanent home, wear and tear and not making sure that the campervan is secure against theft and damage.

Owning a campervan gives owners flexibility to hit the road and travel across the UK and into Europe. If you are considering taking your campervan abroad and exploring Europe, there are policies available to travel outside of the UK with exactly the same level of cover that you would expect within the UK. These types of policies are available for travel up to and including 12 months at a time. Other specialist levels of cover that are available include awning cover if you attach an awning to your campervan whilst parked up at your destination and conversion and self-built campervans insurance.

If you are looking at changing or renewing your insurance policies it is worth looking around for the best deal. For those looking to recoup the expense of a campervan, take a look at your other outgoings to see if savings can be made using our handy mortgage calculator and shopping around.