Monthly Archives: October 2017

Insuring a Fleet of Trucks

If you run a trucking firm and have several HGVs that you need to insure then you can do this by getting a fleet insurance policy.

HGV insurance is available from many insurance providers and getting quotes online is now easier than ever.

Below is a guide to HGV insurance including the types of cover you can get and where to find quotes.

Why get fleet cover?

There are a couple of key reasons to get fleet insurance rather than insuring HGVs separately. Firstly it’s much easier to insure your trucks together as a fleet rather than getting separate policies. This is particularly true for very large fleets.

Secondly – it’s usually cheaper to get a fleet policy to cover all your trucks rather than getting them insured individually. This makes fleet insurance a very good option for many types of businesses.

Types of HGV insurance

  • Third party – Third party insurance is the minimum level of cover required in order for vehicles to be road legal in the UK. It is the cheapest type of cover you can get and will only provide cover for other motorists if one of your drivers is at fault for a collisions. You can get fire and theft added to a third party policy for more protection.
  • Comprehensive – Comprehensive insurance will provide cover for your own trucks in the event of an own-fault collision. This will cost more than third party but gives you extra peace of mind.
  • Liability claims – Liability claims are always a risk for HGV firms so it’s essential that you get a good amount of public liability cover included in your policy. If you want even more protection where liability claims are concerned then you can also have legal expenses included in your policy.
  • Breakdown assistance – Breakdown assistance is always a very useful, if not essential, type of cover for HGV firms. You can have it included in a fleet policy if you don’t already have cover.

Get HGV insurance quotes

When it comes to getting HGV insurance quotes, getting them from an insurance comparison site is by far the best option. You can easily add and remove cover options and then compare the quotes you get and choose the best one.

Getting Motorhome Insurance for The Best Price

If you own a motorhome then you need to make sure you protect your vehicle by getting a good insurance policy.

Unfortunately, just like with most other types of insurance, the cost of motorhome insurance is higher than ever. However that doesn’t mean that you can’t find a policy for a reasonable price. You just have to know how to go about it in the right way.

Below are some great ways to get motorhome insurance for the best price.

Get as many quotes as you can

One of the best ways to make sure that you don’t pay more than you should for motorhome insurance is by getting quotes from a lot of different insurance providers. Luckily this is now very easy to do thanks to the large number of insurance comparison services out there.

Make your motorhome secure

Another excellent way to keep the cost of motorhome insurance down is by making your vehicle as secure as possible. Ideally you would have a locked garage to keep your motorhome in as this will lower the cost significantly. In addition to parking your motorhome securely you should also consider using a tracking device, so your vehicle could be recovered if it was stolen. Some insurance providers will also offer you a discount for using a dashcam.

Get a limited mileage policy

A limited mileage policy is a type of cover where you agree with your insurance provider to stay under a certain number of miles in a year. This reduces the chances of being involved in a collision and therefore means you can get cover for a lower rate. This is suitable if you only use your motorhome at certain times of the year.

Pay for your policy on a yearly basis

Paying for your policy upfront on an annual basis may not sound too appealing since you’ll have to pay a lot more in one go. However the advantage to doing this is that most insurance providers will offer you a good discount when you pay in this way.

Join a motorhome owner’s club

Insurance providers sometimes offer special deals to members of motorhome owner’s clubs so it’s worth thinking about joining one.