Category Archives: Insurance
Working as a HGV Driver in London
Working as a HGV driver in general can be very stressful but when you add London driving conditions into the mix, it amplifies that even more. That being said, working as a HGV driver does come with some benefits. If you enjoy being on the road and don’t want to be stuck behind a desk all day then working as a HGV driver could be the perfect career for you.
Below are some of the practical things you need to consider as well as some advice on getting HGV insurance.
Things you need to consider
- Suitability for the job – One of the most important things you need to think about is your suitability for the job. Not only will working as a HGV driver in London be very stressful at times but you’ll need to have a good amount of experience either working as a HGV driver or have done plenty of training. If you don’t deal with stress well then it’s almost certainly not the job for you.
- Available hours – You also need to consider whether you’re prepared to work long and anti-social hours, as this is often expected of HGV drivers.
- Insurance – Another thing you may need to take care of in order to work as a HGV driver is insurance. There are some companies who cover their drivers but if you need to take care of it yourself then you’ll need to think about the cost and exactly what type of cover you need to get.
Where to get HGV insurance
There are many places you can get HGV insurance quotes online, including sites such as Multiquote Truck. When looking for quotes it’s always important to get them from specialist providers.
You should also take any steps you can to lower the cost of HGV insurance. Getting a lot of quotes is a very good way to do this. Other ways to save money on HGV insurance include paying for your policy upfront, making your vehicle more secure and getting a limited mileage policy.
Is it Harder to Get Insurance When You Have a Conviction?
If you have a conviction, whether it’s for a motoring offence or other type of crime, then you might worry that getting insurance for your home and your vehicle will be more challenging. It’s certainly true that insurance providers consider people with convictions to be higher risk and that some won’t even consider insuring you if you have a criminal conviction.
That being said – there are ways around this problem and finding both home and car insurance at a reasonable price needn’t be an impossible task.
Car insurance
If you have a vehicle then car insurance is a must in order for it to be road legal. By far the best way to get car insurance when you have a conviction is to go to a specialist provider. There are many providers of car insurance for people with convictions who will take the unique circumstances of your conviction into account when calculating the cost of your policy.
Home insurance
Another thing that can be challenging to get from a mainstream provider when you have a conviction is home insurance. Luckily there are also many providers of home insurance for people with convictions so this isn’t an issue.
Why get cover online?
There are some compelling reasons to get insurance online when you have a criminal conviction. These include –
- Getting quotes easy – One of the main reasons that getting insurance online is a good idea is that it makes getting quotes incredibly easy. There are plenty of insurance comparison sites out there where all you need to do to get quotes from different providers is fill out one form.
- Tailor your policy to your exact needs – When getting cover online, you can clearly see what cover options are on the policy as well as other details. This makes it very simple to see what you want to add or take off the policy so it suits your individual needs.
Ways to save money
- Get quotes from a lot of providers – This is one of the best ways to ensure that you get the best deal on both car and home insurance.
- Pay for the policy annually – If you can afford to pay upfront then be sure to negotiate the best deal possible for the policy.
- Make security a priority – Making your home and car secure will certainly help to reduce the cost of your insurance.
Insuring a Mini Fleet
Whether you have a personal collection of cars or you run a business that relies on the use of 2-5 vehicles, mini fleet insurance provides a way to insure your vehicles together in a way that’s cheap and convenient.
There are now many great places you can find mini fleet insurance online, such as https://www.cheapfleet.co.uk/ so getting a policy at a reasonable price should not be an issue.
If you’re considering getting mini fleet insurance then below are some of the biggest advantages of it.
Why consider mini fleet insurance?
- It’s cheaper – One of the most obvious benefits of mini fleet insurance is that it usually works out cheaper compared to insuring your vehicles on separate policies. The cost of a mini fleet policy will depend on various factors, including how many vehicles you’re insuring, the value of the vehicles, how secure they are and the named drivers. However in most cases a fleet policy will be cheaper.
- It’s easier – Another big benefit of mini fleet insurance is that it’s easier to manage. Having one policy for all your vehicles rather than separate policies for each means there’s less paperwork and it’s easier to make a claim.
- A great option for small business owners – If you run a small business with between 2 and 5 vehicles, whether they’re vans, cars or any other type of vehicle, then you can get them insured together under one convenient policy.
Ways to save money
- Hire reliable drivers – If you’re getting mini fleet insurance for your business then one of the best ways to save money is by hiring reliable drivers who are over the age of 25. The age of your named drivers always makes a big difference since younger drivers are much more likely to be involved in a collision statistically.
- Secure your vehicles – Making your vehicles secure is another way to cut down the cost of mini fleet insurance. The vast majority of modern vehicles come with an alarm as standard but you should also make sure the vehicles are securely parked when not in use.
- Get quotes from different insurance providers – Getting quotes from different insurance providers is easier than ever to do now and is one of the best ways you can save money on mini fleet insurance.