Posts Tagged ‘misc’
Tuesday, July 20th, 2010
Driving up the M6 a few days ago I was taken aback by the amount of trucks and lorries on the motorway, not just the small ones but the big ones too. Here is a lorry carrying furniture, here’s another with a milk container on the back, another one with nothing on at all and naturally the supermarket one offering cheap insurance deals. I don’t think the insurance deals on the back of his truck were all that cheap but he did appear to be advertising their availability above everything else that his employer had to offer.
At least this kind of advertising is restricted to the outside of trucks and lorries at this time. I wonder what it can be like later on? Will we see cheap truck insurance adverts on the side of planes, will our commuter trains be covered with the logos of insurance dealers offering cheap insurance?
What is this obsession with cheap insurance anyway? Almost everywhere you go you are being offered cheap insurance. On the television, on the tube, on our petrol pumps, even when we’re using the toilet at the service station there is the advert staring us in the face. “Aim higher for cheap truck insurance!”
Is it me or does it seem that only insurance is sold in this manner? You don’t very often see adverts for dog food or the most recent furniture sale at DFS in motorway service station toilets do you? Is the little doggie with the toilet tissue staring out at us from the back of a (cheaply insured) truck? No, I don’t think he is.
Perhaps it is the very fact that these advertisements for insurance are focused towards us when we feel at our most vulnerable that makes the people in insurance advertising consider that they will work. The poor guy in his little car, overshadowed by a huge great beast of a lorry and its insurance ads might be more receptive to a cheap deal.
Next time you driving on the motorway, look around and see how many cheap insurance deals you are being offered. You will have adverts on the sides of trucks, in fields, in toilets, on petrol pumps, bins and magazines. There will be adverts for cheap insurance on the radio and on the TV screens in the service stations. There might even be a low cost truck insurance salesman sitting alongside you now as you sip your well earned cuppa in the Watford Gap services. Cheap insurance is all around, let’s hope in the interest of our children that the idea doesn’t catch on!
If you really are interested in some sort of insurance right now, then you could do a lot worse than to get an experienced broker to secure you a deal like the guys at Coversure. Whether you’re after truck insurance or caravan insurance Coversure have great relationships with countless insurance providers and can secure you a great deal.
Tags: adverts, Cars, cheap car insurance, Insurance, lorries, misc, motorway, trucks
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Sunday, July 4th, 2010
What is it about insurance that makes people want to buy it cheap? It doesn’t matter how much we pay for our cars we always want to buy the cheapest possible insurance for them. The latest wheeze to make our insurance premiums cheaper is to group a few together for people that live under the same roof and call it a family fleet insurance.
The concept of fleet insurance is all very well for people who have families of careful drivers (yeah, right) but what about those who live with a boy racer? It sounds like some family members could end up paying more for a combined fleet insurance policy.
The way fleet insurance was originally intended to work was with about 100 Vauxhall Astras insured by a company for their driving staff. This isn’t actually what most fleets are though. Many fleets are made up of mixed vehicles. Cars, Minibuses, Lorries, even Motorbikes can end up on the same policy.
If you are ever on a really long and really boring journey, a cheap (very cheap!) way of passing the time is with a little game that you can play to yourself. In this game, you look at every car that goes past, or that passes you, and try to figure out whether they are covered by fleet insurance or not. The good thing about this game is that you can’t really lose, well, unless you want to stop every car you make a guess at and ask the driver about the details of their insurance policy, but here are some tips to help you win;
Vehicles that are clearly owned by a company i.e. those that display a logo will probably be covered under fleet insurance, cheaper vehicles are probably not (if indeed they’re covered at all!) cars driven by racers who speed around roads are almost certainly not, police cars almost certainly are, and what about other kinds of businesses? Butchers, bakers, candlestick makers taking out fleet insurance? Maybe!
So when you decide how you want to insure your vehicle and whether or not fleet insurance is the way forward for you, the best (and most obvious) way to make that decision is to see which option is cheaper. It’s probably best not to ask a Meerkat or a fat opera singer about fleet insurance as they probably won’t be able to help you. The best choice would be to talk to a real live insurance broker who knows the industry and can honestly provide you with the cheapest insurance option (fleet or otherwise) to suit your individual needs.
If you feel you might need some fleet insurance then you should pay Coversure a visit. They are specialist insurance brokers with great relationships with some of the country’s leading insurance providers so they can secure you great deals on anything from fleet insurance to caravan insurance.
Tags: advice, autos, Cars, cheap car insurance, fleet, Insurance, misc, Vehicles
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Sunday, June 13th, 2010
Driving with no insurance can result in all sorts of different penalties and punishments depending on the type of infraction and its nature. Drivers in pretty much every single state are required to have an insurance policy in order to drive legally and those motorists who fail to do this can suffer the full arm of the law, which can be severe if there is an accident involved.
There are two main types infractions that you will see when you drive without a policy. One of these will be when you are caught in some sort of traffic stop without insurance or proof of insurance with you, and the other will be when you have no insurance whatsoever for the vehicle your driving.
The most common sort of punishment that you will see when you do not have insurance will be a ticket and a resulting fine. The amount of the fine will vary massively depending on the type of infraction and the state in which you are driving, but commonly these can get up to a few hundred or even a few thousand dollars.
Offering you will also see that you get points added to your license as a result of certain tickets being applied. The number of points that you get added to your license will be dependent upon the classification of the infraction and the state in which you live. For some states you will not get any points, but in others you will get up to 3.
If you were to be involved in an accident and you had no insurance policy for the vehicle then you might actually have your entire license revoked and suspended. The licence could be taken away for a certain period of time or for the period up until you are able to pay back all of the charges and costs associated with the accident.
If you did receive a ticket for a certain type in a fraction and were unable to pay the costs and the find associated with it then you might actually face jail time. This amount of jail time would be quite small, but you could face a more serious term if you were to cause an injury to someone in an accident and you fail to show any sort of insurance policy.
In most cases those who are caught and have to pay different fines associated with their punishments will notice that it is far more financially prudent to simply purchase an insurance policy instead. The costs involved with all of the accidents or punishments that you face will commonly be a lot higher than the insurance cost for the year, and so this is always the better option.
Driving with no insurance is a heavy offence and if you’ve been accused of it, then you will undoubtedly be punished, but the extent of your punishment can be brought down with sound legal advice and defence. Click on permitting no insurance for more information.
Tags: advice, autos, Cars, cheap car insurance, Insurance, law, legal, misc, motoring, society, travel, Vehicles
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Saturday, May 29th, 2010
Caravan Owners are not checking their holiday insurance documents to see if they are covered by the disruption caused by volcano eruptions. This Easter saw the elevation of caravan holidays to the status of “most convenient”.
It was an extremely satisfying feeling, pulling my caravan home under clear, aeroplane-free skies and not worrying in the slightest about whether my insurance covered me against volcanic eruptions happening in far off countries. As a caravan lover, I felt vindicated. The next time someone says that towing caravans is slow and holds up the roads, remind them of the time back in Easter 2010 when a caravan could get from anywhere in Europe, to nearly anywhere else in Europe faster than the average plane.
Also, the “cramped and claustrophobic” conditions that so many people associate caravans with seemed like the most luxurious and spacious of interiors compared to a hotel lobby or a space on an airport floor.
Of course, between those of us who understand the beauty behind caravan holidays this is all irrelevant. We each like doing our own things in our own leisure time, and how boring would the world be if we all liked the same things? However, the reason for this little gloat is that people who, as a rule, don’t do caravans, tend to make fun of those that do, and we rarely, if ever reciprocate.
So I think it’s fair to say that aeroplane users definitely had the bulk of the travel trouble this Easter. However, I did incur some costs myself that I (unlike the plane brigade) could have avoided, however they weren’t costs I could have insured against.
I took the latest edition of Caravan Magazine with me on my travels because we are thinking of buying a new caravan soon and we had planned to read all about the cost of our next purchase, but ended up reading their insurance survey. It seems after reading this survey that because I couldn’t be bothered to buy my insurance through a broker, I overpaid for it by quite a lot. If you are looking to get cheap caravan insurance it would be well worth shopping around because there were loads of comparisons in Caravan Magazine and I was quite surprised by some of the results.
If you are looking for caravan insurance, but want to make sure you get the best deal, you should arrange it through Coversure. They are an insurance broker with long-standing relationships with providers and can always secure a great deal on static caravan insurance or touring caravan insurance.
Tags: advice, auto, cheap car insurance, contract, finance, holiday, Insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Saturday, May 1st, 2010
Caravan insurance is available for both touring and static caravans, which means that no matter what kind you own you will be able to get ample coverage. In order to choose the coverage that is right for your needs I would like to tell you how to choose your insurance and of course what it will give you cover for.
When deciding what kind of insurance coverage you need you will first need to think about what kind of caravan you own, whether it is one that is touring or whether it is in one place, otherwise known as a static caravan. You also need to think about the things that you keep in the caravan, whether all or part time. These things also include the cooker, fridge and you can even insure the furnishings should they become damaged.
People who own static caravans often have furniture or add a patio to the outside so you will want to speak to the insurer about whether they will cover these also as these will be the most vulnerable items that are not under lock and key.
You have more options if the whole caravan is stolen, as well as if a fire meant that it was no longer habitable. Some of the insurers will cover you so that you are able to get an old for new which is definitely worthwhile if you are able to pay the premiums as it will mean that you are not only able to replace the caravan with an updated one but also belongings inside and outside. Other coverage will give you the market value at the time of your claim.
Many people benefit from having this kind of insurance as it is definitely something that is not at the forefront of most peoples minds. Even if you are involved in an accident while the caravan is attached to your motor vehicle, you can imagine the kind of damage that could be caused by something so heavy or if your towing mechanism fails, by making sure you are insured you will have all costs covered even if you are proven liable. Without such coverage you could end up paying out a lot in court costs, medical bills and property damage.
Even if the static caravan is where you live you can still have the coverage you need so that even if you can secure your home as you would a house, you are still able to make sure that any damage or loss can be recovered without extra cost to you.
Caravan insurancecaravan Insurance is one of the most important aspects that you should get in your life. There are tons of advantages that you should look into when you get this kind of Insurance.
Tags: advice, auto, cheap car insurance, contract, finance, holiday, Insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Thursday, April 29th, 2010
In the last year or so, the number of people holidaying locally in caravans or motorhomes has significantly increased. The insurance brokers have noticed it, and it is doubtless that the caravan parks and travel agents have noticed it too. It seems that in an attempt to save money, the masses have opted against forking out for expensive holidays abroad. Official figures suggest that 5,000,000 more holidays will be taken in Britain this year.
The National Caravan Council state that there are now five hundred thousand caravans being used on a regular basis across Britain by around 1.5 million caravan lovers. Alongside this, the Camping and Caravanning Club has seen a huge rise in bookings or around 21%. So overall, caravan manufacturers aren’t complaining about the recession!
However, one thing that all of this means is that the roads are going to be getting busier this summer and taking more and more punishment from people driving up and down the country to and from their holiday destinations. All this will be combined with the beating that the roads took over the harsh winter. Everyone has noticed the big potholes that have sprung up.
I wonder sometimes when I see these huge chasms in the road whether I will spot a kangaroo head popping out! I’m sure that these vast potholes must be causing damage to vehicles of any description, indeed, I’m sure that they must even cause accidents sometimes!
It’s not compulsory to buy insurance for caravans, but advisable. You wouldn’t pull any other important belonging behind your car, or leave it unattended in a park without insuring it, would you? There are, I’m informed over 30 motor caravan and caravan insurers, so it feels like the specialist advice is available to those willing to look for it. My advice would be to ask a broker to help you. In a recent survey conducted by well respected magazines brokers came out as the most competitive for price, and it’s good to be able to ask questions and get proper advice… from a human.
If you are after caravan insurance, your best bet is to have a broker secure you the best deal that they can as many of them have long-standing relationships with the insurance companies and so can get you the caravan insurance for a much cheaper price.
Tags: advice, auto, caravans, cheap car insurance, finance, holiday, Insurance, leisure, misc, protection, roads, travel, vehicle
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Friday, March 19th, 2010
If you’re a grey insurance man like me, with a particular liking for early 70′s bands like Soft Machine & Caravan, you probably think you’ve seen the last of your summer music festivals and dripping tents in the middle of noisy fields in Somerset but it doesn’t have to be that way, because these days you can take your motorhome or caravan (or somebody else’s motorhome or caravan) along and enjoy the music without spending any nights under canvas. Listen to Caravan in your caravan!
Many people prefer taking a motorhome with them to festivals rather than the traditional tent camping because with a motorhome you get the best of both worlds, i.e. you get the comforts of home living like a cup of tea in the mornings, a warm, comfy bed to sleep on and most of all, a shower! As well as all this, you also get the atmosphere of the music festival and the thrill of the live music.
Many owners of motorhomes rent out their motorhomes for events like this because they know that lots of people enjoy music festivals but don’t look forward to the camping, however what a lot of them don’t realise is that doing this, while perfectly legal, is usually not covered under a standard motorhome insurance policy.
A distinct memory of last year’s Glastonbury festival was of a couple leaving their motorhome having had their breakfast and prepared for the day, only to return later in the day to find that one of Glastonbury’s infamous rain storms had weighed down the awning outside it and caused it to bend and break meaning it was more or less ruined. This would have been probably over 1000 worth of damage and if they had hired the caravan without letting the insurance company know, then it would be completely uninsured.
If you think you might like to take your motorhome to Glastonbury or a similar festival, or that you might let someone else take it, it is well worth getting it covered for the trip as you really don’t know what might happen.
If you’re not going yourself, it is probably best to start by loaning your motorhome to friends or family rather than people you don’t know because adding friends or family to an existing insurance policy is by far the easiest way to go. So you can watch the festival from the comfort of your own home, safe in the knowledge that your motorhome is being looked after and even if it isn’t, you’ll know you have the right insurance to cover it.
If you are on the look out for motorhome insurance then you should check out Coversure, they are among the best providers of all kinds of vehicle insurance providing everything from basic car insurance to caravan insurance
Tags: advice, auto, car insurance, contract, finance, holiday, Insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Friday, March 12th, 2010
There is a rather oddly titled album by the 1970′s rock band Caravan called “For Girls Who Go Plump In The Night” now I know that this is not the kind of thing you would expect an insurance man to be writing about or even to know, even if he does own one (a caravan I mean!) An insurance man in a caravan is quite possibly not that uncommon, but an insurance man in a caravan listening to Caravan? Surely Not?!
Although I’m not entirely sure why I start thinking about this, I’m pretty sure it’s because I was looking back at some photos of last year’s Glastonbury festival the other day and I noticed just how many caravans were there in one get-up or another. Being an insurance man, I was of course thinking about the cover they had and whether or not the underwriters knew exactly what they were being used for.
If memory serves me correctly there were caravans being lived in, housing first aid helpers, acting as tea shops (and I don’t mean mobile catering units, I mean caravans, proper ones with curtains) used as rest homes for tired musicians and even as the home of paid for showers.
Over in the camping fields there were caravans sheltering security staff from the rain, acting as the temporary weekend home for ageing rockers (some may have even been fellow caravan fans who knows?) and as the meeting point for lost festival goers.
Of course, another big user of caravans at music festivals are the musicians themselves. They usually have massive ones with an extra wheel at the front for steering and they use them for changing in, for hosting after-show parties in and doing whatever it is that rock-stars do.I dread to think. Saying that, I’m not sure if Caravan ever used one, that’d just be too good to be true wouldn’t it? Caravan in a caravan listening to their first album (which is called, you guessed it, “Caravan”). Or even better, maybe they went along in a convoy with their friends – a caravan of caravans including a caravan with Caravan in it, listening to Caravan!
Anyway as I said, I started thinking about whether or not they had the correct insurance cover and let’s face it, they probably didn’t did they? If you’re thinking about taking your caravan along to a festival this year it’s worth thinking about proper insurance. A caravan can get damaged by careless fellow festival goers, it can slide off of its own accord into the mud, they can get flooded inside, catch fire, get blown away and, well, almost anything can happen. Luckily you can insure your caravan against most things – even collisions with uninsured caravans being used as tea shops!
Coversure are leading providers of caravan insurance if you are thinking about taking your caravan to a place where it would be even remotely at risk, you should think about taking out some caravan insurance, this will set your mind at rest when you leave it to go and do what you really want to do.
Tags: advice, auto, car insurance, contract, finance, holiday, Insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Tuesday, March 9th, 2010
Insurance Times published an article recently stating that the financial ombudsman had decreed that there are certain circumstances in which it would back the policyholder over the insurer, excluding however, instances where keys have been left in or near a car. I was then left wondering if the same would apply to motor homes.
On a recent motorhome holiday my family and I had had a late night playing cards and when we eventually turned in, we were all very tired and so we woke up the next day already late for our arranged meeting with our friends and fellow motor-homers the Wilsons. Then of course we had the morning rush and the queue for the shower and by the time we were ready to leave our friends had decided to explore the countryside without us.
I then realised I had no idea where the keys were so I looked for them, and couldn’t find them. My family then joined in the search and in my usual calm and patient manner I accused each family member of stealing them, then moved on to accusations of half-hearted searching before finally accepting my son’s version of events which was that aliens must have come from mars and stolen the keys to our motorhome. So I then went to the cab to get my mobile so I could call my insurance company for help. I was stranded in a field with a grumpy family and to make matters worse, it was about to rain.
There, sat in the middle of the cab, next to my mobile phone were the keys! I had left the keys to my pride and joy on display in the cab, and I couldn’t help but wonder if the motorhome would be insured if it had been stolen under these circumstances, and so my mind wound its way back to the Insurance Times article.
If my motorhome had been a car the ombudsman would have considered
Location
Was I in a position to deter a thief
Was I recklessly ignoring the risks
Mitigating factors
Whether I knew about the exclusion in the insurance policy
I would like to think I would have been given this kind of consideration as well with my motorhome. I would say you have a much higher chance of getting a comprehensive insurance deal to cover any situation if you go through an insurance broker.
For a class leading service in motorhome insurance contact Coversure. They provide motorhome insurance is a cut above the restand you’ll leave with peace of mind that you’re covered.
Tags: advice, auto, car insurance, contract, finance, holiday, Insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Tuesday, March 2nd, 2010
Chester Cooke was a man who one day decided that he wanted to have a caravan on the banks of the river Avon in a perfectly situated caravan site that was professionally owned, well maintained and had all the amenities that he could ask for. However, he wasn’t the type to go spending the best part of twenty grand plus annual services on a caravan without properly thinking it through.
So he then called his broker and said that he was looking for some caravan insurance. His broker then told him that that shouldn’t be a problem and he would be more than happy to get him a quote. So Chester gave his broker the details of the caravan and where it would be situated.
It was only a few minutes before the broker called him back and said that he unfortunately could not find him any caravan insurance. The reason was that although the caravan site itself was fine, it was the particular spot that Chester wanted that was the problem. It was next to the river Avon, right at the water’s edge, and last year it had flooded which caused lots of insurance claims, meaning that now, insurers are unwilling to offer any insurance to caravans places right on the water’s edge. If he was going to buy the caravan, it was going to be entirely at his own risk.
This was deal breaking news. It was highly likely that the Avon would flood again at sometime in the future and Chester couldn’t afford to take on a caravan without insurance. He asked his broker about these other “normal criteria” of caravan sites that he should look for if he was going ahead with his plan to buy a caravan.
Ideally the site should be a registered CaSSOA site. There are insurance discounts for these because they have minimum standards of security. If the caravan is to be sited more informally, on a farm for instance, the caravans on the farm should be in their own compound with a defined perimeter. Some insurers insist that there are a minimum number of caravans on the site, safety in numbers as it were. Finally Chester should look for a site with good security, a mature hawthorn hedge or palisade fencing marking the boundaries.
Before this, Chester hadn’t really given much though to caravan insurance. He didn’t think it was going to be such a big part his decision to buy a caravan. All he knew was that he was grateful to have a good broker who knew how to take care of it all because after all, all he really wanted to do was enjoy his caravan. The insurance was just to take the worry out of owning it.
Caravan insurance is one of the biggest factors to consider when thinking about buying a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to insure your caravan
Tags: advice, auto, car insurance, contract, finance, holiday, Insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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