Active Insurance Links
November 30th, 2009
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Great Deals on Taxi Insurance
November 8th, 2009
Source: http://www.taxibrokers.co.uk/are-you-getting-the-best-deal-for-your-taxi-insurance/
Most drivers know that the cost of a taxi insurance policy is a lot more that a private car insurance. So before taking out a new mortgage you want to make sure that you get the best possible deal for your hire and reward policy. Even though the number of insurers offering taxi insurance policies has increased over the last few years, the cost of a taxi insurance policy does not seem to have come down. In some areas the increase has been over 50% with some insurers even refusing to provide a quotation. The main reason for the increase has been due the accidents with personal injury claims. The claims culture imported from the USA has driven up the cost of not only taxi insurance policies but almost most types of motor insurance is affected in some ways. Some of these claims are genuine and some unfortunately are not as highlighted in the press recently.
Having said that, there are still many deals to be found on cheap taxi insurance, especially if you know where to find them. This will obviously involve some work for you by shopping around and filling tedious forms. But then in the long run it will pay off by you obtaining a great deal on your taxi insurance. With so many brokers and taxi insurance companies on the market all plying for your business and offering various deals you really are spoilt for choice. There are new internet portals opening where you fill in one form and the quotation is submitted to a panel of taxi insurance brokers on your behalf. How easy is that! Each broker will call you back with a quotation outlining what their policy covers and more importantly what it doesn’t cover. A cheap taxi insurance is not necessary always the best policy. Find out exactly what you are being covered for. Also go through the risk questionnaire with the advisor to make sure that all the details are correct. Otherwise it could cost you a lot more if there are any errors or omissions.
To drive a vehicle for hire and reward purposes you do have to have a taxi insurance policy. Any taxi car that is used on a public highway has to have a motor insurance policy with a minimum of third party cover. It is compulsory! Failure to have the correct insurance in place land you in a lot of trouble with penalty points, fines and even your taxi licence being revoked by the licensing authority. With most taxi insurers know plying for your business on the internet, this has made it a lot easier for you to find a great deal so take full advantage of this opportunity.
Obtain a taxi insurance quote from one company first. Approach a second company and tell them the quote you have been already offered. This will save you both time and money. If they think they can beat your quote they will try to do so. If they think they will not be able to match or beat your quote, most likely they will tell you this from the outset saving you time answering the same questions again.
Do your homework, shop around and you are most certainly able to find a highly competitive deal on your taxi insurance requirements. Many insurers have room for negotiations in the current climate. As the saying goes, ‘persevere and you shall succeed’.
Active Insurance providing free online taxi insurance quotes. We compare taxi insurance quote from the leading insurers on your behalf.
Public Liability Insurance for Self-Employed
November 7th, 2009
Source: http://activeinsurancecompany.co.uk/self-employed-public-liability-insurance/
If you are a self-employed tradesman then public liability insurance is absolutely a must. How it is not a compulsory insurance such as motor insurance but a liability insurance policy will protect your business against claims from third party injury or third party property damage.
If your business employs staff then you must have the Employers Liability Insurance by law. Many individual sole traders and businesses have the public liability insurance cover as part of a packaged policy. For example a shopkeeper will usually take a packaged policy that covers the buildings, contents, fixtures and liability insurance all in one single policy.
For a single tradesman such as a one person builder, plumber, gas engineer, carpenter, carpet fitter etc can take out the public liability insurance cover in isolation. The public liability insurance is usually available for limits of £ 1million, £2million or £5million. Larger sum insured can be catered for but will usually require a call the insurance broker to arrange this.
As well as the self employed public liability insurance policy, additional optional extra covers are normally available such as personal accident and legal expenses policy.
Business such as shops, offices, warehouses and manufactures should ideally look for either a packaged policy a commercial combined policy that will also include public liability insurance within the overall package.
With the internet available to virtually every household within the UK, searching and comparing public liability insurance quotes has never been easier. Most insurance broker’s website offer comparison public liability insurance quotes from numerous insurers.
It is best to say that usually you should try to obtain at least three quotes to get a feel for the price. If your circumstances are such that the online public liability insurance quote systems cannot cater for your needs just ping a quick email to the insurance advisors and they can recommend the best course of action for you.
Most self employed tradesmen should ideally have some form of insurance in place to protect their business, including public liability and even tools cover.
An important thing to note is that sometime the cheapest is not necessarily the best cover or it may not even fit your requirements. Make sure you understand, what you are purchasing meets all your needs. You certainly do not want to find out at the claim stage that the public liability insurance policy you have taken out does not cover you.
Active Insurance is a leading UK broker of public liability insurance for businesses and the self-employed tradesman.
Empty Property: The facts
November 6th, 2009
Source: http://activeinsurancecompany.co.uk/empty-property-the-facts/
The unfortunate fact is that, not only are empty homes an eyesore but can also cause considerable problems. A vacant property can attract unwanted attention from thieves and vandals. Also if left unattended for a prolonged period of time the empty property could become overgrown with weeds and the garden can become a dumping ground. Not only is this unsightly but it can also depreciate the value of surrounding homes.
Another problem with empty homes is the safety aspect, especially posing a serious danger to young children. If you do own a home that is currently empty ensure that it is secure and kept in a good state of repair.
Run-down homes can also become a safety risk and pose a danger to children. Empty homes bring down an area and threaten the health of the local community.
Many local authorities in the UK receive complaints about empty homes. Common complaints include:
• Rubbish being dumped
• Infestation of rodents
• Risk of injury to children
• Property left in a state of disrepair
• Drug users leaving syringes on the grounds
Empty buildings that are just left in bad state of repair and disuse can have a negative impact on the local environment and community.
Due to current economic factors more and properties are becoming vacant. This applies to both residential and commercial properties.
Most Councils within the UK have some form of empty homes initiatives in place, so if you have a property that has been empty for a long period of time speak to your local authority to see if they can help you with it.
Active Insurance has been providing empty home insurance for UK property owners since 1993.
Cheap Fleet Insurance for Business
October 31st, 2009
Fleet is a type of motor insurance that covers all the vehicles owned by a business or by a single person under one single commercial motor policy. In order to qualify for fleet insurance the company must usually operate a minimum of three vehicles. A fleet insurance policy can have many advantages over insuring vehicles individually, especially if the business operates over 10 vehicles. The advantages can be both on terms of administration and cost savings.
With a commercial fleet insurance, the business only needs to remember a single renewal date for all the vehicles. This not only saves a lot of paperwork for the fleet operator but also saves money in terms of administration. No more getting quotes and submitting individual paperwork for each vehicle. Your time is better spent on what you do best and that is running your business.
Can you imagine if you ran a fleet of fifty vehicles the amount of time it would take over the year to process each and every single vehicle renewal? What if you forget to renew the policy of one of the vehicles? Needless to say that could have dire consequences to your business. This is where a fleet insurance policy is not only easier to manage but could also save you many man hours in paperwork. On the renewal of a fleet insurance policy the insurance broker will send you a single renewal reminder covering all your vehicles. Not only that but the broker will also search the whole of the fleet market on your behalf to see if they can save you even further money by obtaining better terms elsewhere.
What do you do if one of the fleet vehicles was involved in accident? Usually a single call to your broker is all it takes. If possible the broker will arrange a temporary ‘like for like’ vehicle so that you can carry on with your business. This will depend on your policy type and also on the accident circumstances.
How can you pay for a fleet insurance policy? Most insurers will offer a one-ff payment option or the premium could be spread over 9, 10 or even 12 months in some cases. Not only do you have to remember a single date for your insurance but the premiums can be paid monthly to suit your budget.
What if you want to add or subtract vehicles from the fleet policy? Again this is where the flexibility of commercial fleet insurance policy really shines through. Keeping the same policy you can add or subtract vehicles at any time during the life of the policy. Obviously if you add on additional vehicles their will be an additional premium to pay but likewise if you subtract vehicles you will be given a return premium. The premiums are usually calculated on a pro-rata basis.
Another worthy point to note is that the level of cover available is also flexible. So some older vehicles can be insured on third party basis and the newer vehicles can be insured for Comprehensive cover. The choice is entirely yours how you want to tailor your fleet insurance policy.
Some useful extras on fleet insurance policies to consider are the legal expenses cover and vehicle breakdown cover.
Source: http://www.buzzle.com/articles/why-fleet-insurance-for-businesses.html