Category Archives: Motor Insurance

Finding Your Best Minibus Insurance Quote

A minibus insurance quote is the first thing any new minibus driver will receive when they start taking to the road in one of these metal behemoths. However, anybody who has recently tried to take out insurance will know that insurance rates aren’t exactly value for money these days. That’s why it’s important to be able to seek out those great quotes that provide the benefits of costing not very much at all. The main way to do this is to alter the things within one’s control.

The Driver

The registered driver of the minibus will come into play when it comes to insurance. If the driver has a history of driving vehicles into trees, buildings, other cars, and people then they are not going to get a good quote as they are considered to be in a high risk category. If they are in a high risk category then the insurance company is going to give them high rates to match. The following things will be taken into account when it comes to the driver:

• How long the driver has had their license for. If they have had a license for a long time then they are considered to be more experienced and are therefore safer.
• How many accidents they have had. If they hasn’t had any accidents then they are going to get a lower rate than those who always crash.
• How old the driver is. Ageism is a prominent factor in determining insurance rates. If the driver is very young or very old then they are considered to be in a higher category of risk.

The Minibus

If the minibus is customised with lots of expensive paintjobs or spoilers then the value of the minibus goes up. If the value of the minibus goes up then there will be a higher minibus insurance quote simply because if there’s a crash then the insurance company will have to fork out more money in order to repair it. For the cheapest insurance quotes it’s best to opt for a cheap and cheerful vehicle as these command the lowest rates; just make sure it’s reliable.

Owners and drivers can get a minibus insurance quote anytime from Blueangeltech

Joining the Ranks of the Creepy Car Salesman

The creepy car salesman is a stereotype long portrayed in Hollywood films. But it’s not like that in the real world. Acting as a car salesperson can be a rewarding business with lots of untold wealth and the latest models. Car lovers everywhere can easily join the motor selling trade by simply looking around for motor trade insurers, a place to sell the cars, and a place to find the cars. Sprinkle on some extra marketing genius and that’s that.

Insurance

There are a number of motor trade insurers everywhere, but it’s important to be able to get the best one and strike the right balance between quality and value. Never opt for the cheapest insurance policy as this can leave a business woefully unprotected. This form of insurance will protect everything so if a burglar decides to help themselves to the stock then it won’t mean closure or bankruptcy.

Finding a Place

Finding a place to sell cars is not actually that difficult as not everybody requires a showroom. As long as the right license is found an individual can sell cars out on the street if they want. And it’s wise to start this way as it’s pointless to spend thousands on land, or even a showroom, only to have the business flop within a few months. This can destroy an individual’s reputation, and it can even prevent them from starting another business in the future.

Selling Cars

Selling cars is all about deciding which cars to sell. Some car dealers prefer to cut their teeth by dealing with second-hand cars in the beginning, but others decide to specialise purely in new cars. This is mainly down to personal preference, as well as how big one’s bank roll is. Just remember to never purchase too many cars as they do have to be constantly checked and maintained at all times in order to avoid a nasty legal case.

Marketing Genius

Once all this is sorted out it’s just a matter of adding some marketing to the whole operation. This can be done through the internet, through social media, or even through the local newspaper. Just get the company name out there and start building a reputation.

Blueangeltech is one of the UK’s leading motor trade insurers. Why not visit for a quote?

Convicted driver insurance: can you get it?

If you have one or more convictions for motoring offences, you might be dreading the point in your motor insurance proposal when you’re asked to declare them. Did you know, however, that there is purpose-designed convicted driver insurance, which might help you avoid the risk of your application being rejected or your being penalised with crippling premium rates?

Specialists in their field

Convicted driver insurance is typically sold by specialists in finding competitively priced cover for drivers with a range of motoring convictions. Their experience and expertise might help you by:

  • knowing the market sufficiently well to identify insurers who take account of the type of conviction you might have and the period for which that affects your driving licence;
  • an ability thoroughly to search the motor insurance market (so that you don’t have to do it yourself), to suggest the most attractive and competitive rates being offered;
  • not discriminating against the convicted motorist.

Specialists in this field may typically also use their extensive knowledge of the motor insurance market to arrange other forms of insurance benefiting from specialist knowledge – such as driving instructor insurance, for example.

The stigma of conviction

Perhaps your current motor insurer – along with many others – argues that you represent a higher insurance risk because your previous driving convictions suggest that you are more likely to be the subject of further convictions in the future. This may well be the reason your present insurer declines to renew your cover or imposes a severe penalty by way of significantly higher premiums.

Specialists who arrange convicted driver insurance, on the other hand typically approach your application with no such prejudice or stigma, but with a completely open mind and intent only in finding the most suitable and most competitively priced motor insurance that reflects your needs and circumstances.

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.

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.

Motor trade insurance: Why you should protect your assets now

Legally, there are only two types of insurance that are compulsory: motor insurance for driving on the roads, and employer’s liability insurance. Any other types of insurance cover are purely optional, but there are some that make better sense than others, and motor trade insurance very definitely falls into that category.

By its very nature, the motor trade means that you are working with highly valuable assets, whether they are vehicles, specialised tools and equipment, or premises and they need to be protected to make sure that, if the worst does happen, your business does not suffer from a financial set back from which it cannot hope to recover.

The motor trade is a diverse industry covering a multitude of aspects that have an interest in vehicles, and as such motor trade insurance has to reflect this diversity. Policies can be arranged to suit individual circumstances and will include vehicles and goods in transit; motor trade liabilities; any driver; vehicle stock; commercial buildings, and tools and equipment, for example.

There is a huge amount of money tied up within the motor trade and it is imperative that this capital is protected from accident or deliberate damage, and from theft. It is also vital that vehicles belonging to your customers are also protected while they are in your care, and from (however unlikely) any faults that may occur as a direct result from being worked on by someone employed by you.

There is a variety of different policies for motor traders, so you can be sure that there will be one that suits your business and your budget. There are those that operate in a similar way to car insurance in as much as they are available as third party, third party fire and theft and fully comprehensive policies.

There are also policies that concern themselves with motor trade liabilities and there it is also possible to get combined policies that will cover all aspects of the business. Obviously, this will be more expensive, but the real question is, can you afford to be without it?

Motor trade insurance is something to take seriously, and Blue Angel Tech’s motor insurance section just does that.

Car Insurance Broker – What An Vehicle Insurance Dealer Can Do Available For You

Auto Insurance Brokers. An car insurance broker is another person who is licensed to market and underwrite car insurance policy insurance policies. The exact needs to be a brokerage differ from state to condition, but they are fundamentally vehicle insurance agents with far more duty.

An vehicle insurance agent is able to present you a quote and help you in other issues relating to your policy. An auto insurance brokerage can perform these tasks as well, however they are also able to truly write the policy that you are becoming bought.

One more important variation in between an car insurance agent and an vehicle insurance broker is that the dealer is permitted to have agents get the job done for him and to open their individual business enterprise. Car insurance policy agents will not be allowed to function in most states except they can be beneath the umbrella of an automobile insurance brokerage service.

Rating Auto Insurance. The final important variance in between the brokerage service as well as the agent is knowledge. Any individual can be employed to turn into an automotive insurance policies agent, but to turn into a dealer takes many years of practical experience.

The only way to make sure of who you will be dealing with would be to ask. Some car insurance policies agents will inform you that you just do not need to speak with the brokerage and that they will help you with anything at all you need. Should you experience that they are inexperienced or that they are not answering your inquiries correctly it is best to insist on speaking together with the brokering service however.

Life Insurance Broker. You can find also car insurance brokers who specialize in finding inexpensive procedures, but even the most seasoned dealer in the planet will be unable to beat the quotes that you will probably be allowed to receive on the internet all by by yourself.

The cause for this is simple. Even the most effective vehicle insurance broker will be unable to eliminate his wage from the rates he returns to you so that you will likely be spending a portion of that if you use his companies. However, in the event you take a handful of minutes to shop for a coverage on the net you’ll be able to eradicate that expense immediately. This may result in a inexpensive car insurance coverage available for you.

Get Car Insurance Rate Comparisons Online

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