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The harm caused by break-ins, theft, vandalism, or any other kind of damage goes much further than simple inconvenience, and financial loss or the loss of a no claims bonus on your classic car insurance policy. For us classic car owners, who have usually bought and lovingly fixed up their cars over months, often even years, loss of any kind amounts not only to money, but to time, love and emotional investment.

Because classic cars are easier break into than their newer counterparts, classic car owners are strongly advised to purchase a Thatcham-approved alarm, tracker and immobiliser. So if your car is broken into, the police will be able to retrieve a stolen vehicle often within 24 hours, which is particularly valuable in light of the fact that classic cars are often rapidly dismantled for parts to sell on separately and under the radar. And not only this, but fitting your car with these devices will reduce your insurance premium – you need only compare car insurance quotes online to see the savings, by using a service such an Moneysupermakret compare car insurance

One of the UK’s leading stolen vehicle recovery companies, TRACKER understands that a huge majority of classic car owners are adverse to the idea of tampering with the authenticity of their classic vehicle by equipping it with modern technology, worried that it might work to detract from the car’s bygone charm.

Stuart Chapman, of Tracker, reassured drivers: “Classic car owners are understandably cautious when it comes to installing alarm systems and immobilisers. Some devices are even unsightly, even on modern vehicles, so people feel they affect the look of the vehicle. Whilst that might be the case, the appeal of those vehicles for criminals makes it essential to protect them.”

If you’re happy that you’ve taken every step possible safeguard your car against danger, then there still more ways you can keep your car insurance cost to a minimum.

Ensuring that the estimated annual mileage is accurate will mean that you’re not over- or, more importantly, underinsuring. If you overestimate your mileage, your premium will be unnecessarily expensive, however, if you underestimate, you could render your policy invalid, which would be a disaster if you needed to claim for any reason.

Another way of reducing the cost of your insurance premium would be to get your classic car valued, and then get that value guaranteed. If the worst should happen and your car is written off, for example, you’ll be guaranteed to get the full value of the car which, as you’re likely to be aware of, usually increases with age when it comes to classics.

When a small business is in operation it really needs to get some kind of insurance to cover itself for any kind of liability. Some companies though will want to take out small business health insurance so that the employer and the staff are all adequately covered. In fact, for those taking up employment with this company, this is the added incentive that they probably need.

Small business health insurance holds a form of security for the company since it will cover any losses if the employee cannot work. There are several types of this kind of insurance though so these should be compared to see which one fits the bill.

Privately medical insurance will pay for treatment that needs to be done in a hurry. It is all very well waiting for the NHS but the company could suffer as a consequence with its workers being off for long periods just waiting for a small procedure to be done. This one does cost more, but it is well worth it in the end and the employee appreciates it very much too.

There is also a cover for income which pays the workers when they are unable to work. If they get ill or suffer an injury, many workers will need their regular wage for sure and this is how to give it to them without penalizing the company.

Critical illness cover is also available, and if this is combined with a life insurance policy, the employee is covered from all sides. Again, this is an expensive cover, but considering that a business is only as good as its workers, then it may be wise to get this kind of insurance.

Some covers, like employer’s liability insurance, are useful but not absolutely necessary. This holds true if the employee is a family member. However, limited companies do not need this cover if there is just one employee and that person owns fifty percent or more of the shares in said company.

So the answer to the opening question about offering cover, the answer is yes, as long as the company is prepared to spend money!

Brought to you by Specialist Risks. Why not visit us to get quotes for health insurance for small businesses from a range of top providers.

There may be a number of reasons why you are looking for an unoccupied property insurance quote:

Some reasons

• the home you live in, or let out to tenants, might be undergoing extensive refurbishment and you are temporarily living elsewhere;

• the property is on the market, in the process of being sold;

• if you are a buy to let landlord, there may be a longer than usual interval between a changeover of tenancies;

The need

• whatever your particular reasons, however, you are likely to be looking for an unoccupied property insurance quote because this is the special type of cover you need if the building is left vacant;

• a dwelling that is left unoccupied is exposed to significantly higher risk than when there is someone at home. Empty buildings tend to be magnets for thieves and vandals, whilst the need for repairs and maintenance runs the risk of going unnoticed. For that reason, many standard home insurance policies, including buy to let home insurance plans, explicitly exclude cover, or elements of cover, when the building is left vacant;

• whilst insurers’ definitions of exactly when the property becomes unoccupied may vary, but typically this is when it has been empty for longer than 30 or 45 days;

• if this is likely to be the case with property which you own, therefore, you may wish to give serious consideration to unoccupied buildings insurance in order to ensure that sufficient protection is maintained;

Mitigating the risks

• when considering an unoccupied property insurance quote, you may notice that many insurers typically expect you to help mitigate the risks to which a vacant dwelling is exposed and there are a number of ways in which you might help to do this:

• regular inspections – by you or an appointed agent – for example, might help to spot problems and carry out necessary repairs and maintenance before serious damage is caused;

• a record of those surveys, together with notes of the maintenance work and repairs carried out might need to be submitted to your insurer at regular intervals;

• by draining down water and central heating systems, you might additionally reduce some of the risks of flooding and leakage from burst or fractured pipe work;

• By helping to mitigate the risks in manners such as this, you might find that a reduction in premiums is reflected in your unoccupied property insurance quote.