Category Archives: Insurance

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.


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

Image result for windscreen wipers

  • 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.

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.


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.