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.

Maintenance Checklist for Motorhome Owners

When you own a motorhome, maintenance is extremely important if you want to avoid problems with your vehicle.

Maintenance is vital for all types of vehicle owners, especially those who rely on their vehicles for work, such as couriers.

Although you likely don’t rely on your motorhome for work, you still want to take any steps you can in order to keep it running well. With this in mind below are some essential motorhome maintenance checks to make.

Things to check regularly

  • Battery – If you only use your motorhome occasionally then it’s very easy to let the battery go flat due to under use. You should aim to take your motorhome out about once a week to avoid this problem. This is especially true during the winter months.
  • Tyre pressure – Another thing you should check regularly is the tyre pressure. The correct tyre pressure  is extremely important for large vehicles since deflated tyres are not only unsafe but mean you’ll eat up a lot more fuel.

Things to check before a long trip

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  • Electricals – You should always check all the electricals in your motorhome before setting off on a long journey, including the lights and wipers. 
  • Under the bonnet – You should also check under the bonnet before every trip to ensure that everything is as it should be and the fluid levels are good.
  • Water system – Try running the taps and flushing the toilet before you set off. The last thing you want is to get to your destination only to find out the water system in your motorhome isn’t working.

Keeping your motorhome safe

  • Park safely – You should always ensure that your motorhome is parked safely. This will help to reduce the chance of it being broken into or stolen.
  • Get the right insurance policy – Getting the right insurance policy is one of the best ways to protect your motorhome. A good motorhome insurance policy will cover you for road risks, fire, theft and breakdowns. 
  • Install a GPS tracker – If your motorhome was stolen then you’d want to be able to recover it. One of the best ways to ensure this happens is by installing a GPS tracker. This will make it much easier for the police to locate your vehicle if it is stolen.

Alternatives to a Motorhome

When it comes to camping and travelling, a motorhome is not the only option. Although a motorhome does provide a lot of comfort, they can be very expensive and costly to insure.

Taking this into account, below are some of the best alternatives to a motorhome.

Campervan

A campervan is the most obvious alternative to a motorhome. Although campervans and motorhomes are very similar, they are not one and the same. Typically campervans are more compact and most of them will not have a bathroom. Whether a campervan is a good fit for you or not will depend on how many home comforts you like to have when camping. If you’re happy to have the basics but can do without a lot of space, running water etc. then a campervan might be the perfect choice.

Caravan

Another alternative to getting a motorhome is buying a caravan. Caravans are very popular in the UK and there are many excellent caravan sites where you can stay. The main difference with a caravan and a motorhome is that you have to tow a caravan using another vehicle, whether it’s a car, 4×4 etc. Not everyone is a fan of this since it can make driving more hazardous, especially when turning corners or reversing.

Minibus

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Although a minibus would not necessarily be considered a camping vehicle, it can be a very useful form of transport to get to camping holidays if you have a large family/group and have alternative accommodation arranged.

With a minibus, you don’t have any living facilities so speak of since it’s main purpose is transportation. You can get minibuses that range from 9-17 seats and there are plenty of places where you can buy a used minibus for a reasonable price.

When you own a minibus, you’ll need to get the right type of minibus insurance policy. The type of policy you need will depend on how you use your vehicle. For example a lot of minibus owners work as private hire taxi drivers and in this case you need to get a private hire taxi minibus insurance policy.

5 Great Ways to Reduce the Cost of Motorhome Insurance

When you own a motorhome there are many expenses that come with it, not least of which is the cost of motorhome insurance. Insurance is something that nobody relishes paying for but it’s legal obligation to have it in the UK.

If you want to save money on motorhome insurance then there are some very reliable ways of doing this. Below are some of the best.

Make your motorhome secure

Making your motorhome as secure as possible is one of the best ways to save money on motorhome insurance.

Some of the best ways to make your motorhome secure are –

  • Install a tracker
  • Use a steering wheel lock
  • Park is securely

Increase your excess

The excess is what you would pay towards a claim if you had to make one for any reason. This is quite a risky way to reduce the cost of your premium since you only really benefit when you take out the policy and if you didn’t need to make a claim. Still it is a very easy way to keep costs down at the beginning.

Get cover from a specialist provider

Getting cover from specialist motorhome insurance providers is always recommended if you want to get the best price possible. Specialist providers will always take your unique circumstances into account. Even people with criminal convictions are able to get insurance from specialist providers online from sites such as Conviction Insure.

Get a bare bones policy

Another way to keep the cost of your motorhome insurance to a minimum is by getting a bare bones third party only policy. If you’re a very cautious driver and are confident that you won’t need to make a claim due to a collision then a third party policy will be fine. You can always add other cover if you feel it’s needed i.e. fire and theft, breakdown assistance, windscreen repair etc.

Get a lot of quotes

Getting a lot of quotes is a very obvious way to save money on motorhome insurance. With all the great insurance comparison sites out there now there’s no good reason not to get quotes from many providers. Not only can you tailor your insurance requirements very easily online but you can easily compare the quotes you get and pick the one that’s the best value for money.

 

Working as an Uber Driver

If you own a motorhome then there’s a good chance you love being on the road and travelling the country. If so then you might consider switching careers to become an Uber driver.

Uber originally started in the US and has since expanded to many countries throughout Europe, including the UK. Uber makes the process of booking a taxi incredibly simple and the company has many employees throughout the country now.

If you enjoy driving then being an Uber driver could be the perfect career for you. Below are the requirements as well as some tips of getting insured as an Uber driver.

What are the requirements?

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The main requirements for becoming an Uber driver are –

  • You must own your own car – Uber doesn’t supply their drivers with a vehicle so you must have your own that is suitable for transporting passengers in.
  • You must be eligible to drive – This means holding a full UK driver’s licence, being at least 21 years old and having enough driving experience in the city where you intend to work. The amount of driving experience required will vary from city to city.
  • You must hold a private hire licence – You will also need to have a private hire licence to work as an Uber driver. Uber can offer you support in getting your private hire licence if you don’t already have one.

Uber driver insurance

The most important cover for Uber drivers include –

  • Road risks – To work as an Uber driver, you must have cover for road risks at a minimum. You can either get a third party policy or fully comprehensive. Third party insurance doesn’t provide any protection for your own vehicle but it does enable you to drive legally and costs less than a fully comprehensive policy.
  • Liability claims – Another extremely important type of cover you need as an Uber driver is public liability insurance. If you were to be involved in an incident where a passenger or member of public was killed or injured then you could find yourself facing a liability claim. Without the proper cover in place this could prove devastating and cost you your livelihood.
  • Breakdown assistance – When you rely on your vehicle to make a living, breakdown assistance is an absolute must. The majority of insurance providers will give you the option of adding breakdown assistance to your policy.

 

Insuring Your Motorhome the Smart Way

There are many great benefits of owning a motorhome but when you do own one, it’s your responsibility to make sure you have the right cover in place.

Below are the main insurance options you can choose with a motorhome policy as well as some great ways to save money.

Insurance options

  • Third party – Third party insurance works the same way for motorhomes as it does for cars. It will provide enough cover for you to be able to drive your motorhome legally but only provides protection for other vehicles if you’re at fault for a collision.
  • Third party, fire and theft – The same as third party only cover except your motorhome is also covered for fire damage and theft.
  • Comprehensive – Comprehensive insurance will cover your motorhome for all types of collisions, even ones that you are at fault for. Comprehensive insurance also includes fire and theft.
  • Breakdown assistance – Breakdown assistance is always a must when you have a motorhome. Even if you already have breakdown assistance from another provider, it’s still worth finding out what the extra cost would be since you could get it cheaper as part of your insurance.

Saving money

Below are some of the best ways you can save money on motorhome insurance –

  • Insure as a fleet – A lot of people who own a motorhome, also have at least one other car that they use for everyday purposes. If this is the case then you could save money by getting your motorhome and car(s) insured as a mini fleet. If you want to get quotes for minifleet insurance then visit Cheap Fleet.
  • Get a limited mileage policy – If you only use your motorhome at certain times of the year then a limited mileage policy is a great way to cut down the cost of your insurance. As the name would suggest, both you and your insurance provider agree to a set number of miles that you’ll stay below within a year.
  • Get quotes from different providers – Getting quotes from different insurance providers is one of the best ways to save money on motorhome insurance. Thankfully this is now very easy to do. Getting quotes from different insurers will enable you to easily compare them and choose the right policy that offers the best value for money.

Setting Up as a Motorhome Dealer

If you love motorhomes and would like to make a living from buying and selling them then you should find the information in this guy extremely useful.

Below you’ll find practical information on how to make your business a success as well as practical things such as finding the right premises as well as paying business tax and getting insurance.

Where to start

The first thing you’ll need to do in order to get started is to write out a business plan. This will enable you to clearly think about what steps you’ll need to take in order to make your business a success. A lot of used motorhome dealers will first start buying and selling cars and then move onto selling motorhomes as a niche. You don’t necessarily need to do this if you’re already experienced and know a lot about motorhomes.

 

Finding the perfect premises for your business

A good premises for a motorhome dealership should be –

  • Spacious – A good amount of space is certainly going to be necessary when you’re selling such large vehicles.
  • In a good location – A good premises would ideally be located where there’s plenty of passers by and in a place that’s easy to access from main roads.
  • Secure – Security is always important since it will reduce the chance of your business being targetted by thieves and vandals and will also help to lower your insuance costs.

Getting the right cover

If you want to buy and sell motorhomes for a living then you’ll need to get the right type of cover. A motor trade insurance policy will enable you to cover all the vehicles you have in your possession under one policy. If you get a combined policy then you’ll also be able to protect your premises as well as your tools, cash and assets. Visit Traders Insurance to get quotes from motor trade insurance specialists now.

Keeping the cost of insurance to a minimum

  • Secure your premises – Making your premises secure is always worth it. Taking measures such as installing security lights, CCTV and security alarm will certainly help to lower the cost of your insurance.
  • Pay annually – If you can pay for your policy annually rather than monthly then it puts you in a great position to negotiate a lower rate with your insurance provider.
  • Get plenty of quotes – Getting quotes is easier than ever to do and is one of the most reliable ways to save money on motor trade insurance.

 

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.

 

5 Best Camping Tips

If you’re new to camping then the video below has some great tips to help you.

Tent Commandments

If you’re planning on going on your first camping trip soon then you should find the infographic below extremely useful.