Car Insurance
October 29, 2008 by more insurance · Leave a Comment
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Car Insurance
Car insurance is there to protect you against any loss you could face as a result of accidents on the road. These losses could be your own death, damage to your car, personal injury or the injury, death or vehicle damage of other drivers. Most policies also cover you for the theft of your vehicle and any vandalism or wear and tear which your vehicle might suffer. Because premiums can increase after a claim, most drivers choose to pay for wear and tear and minor vandalism themselves rather than claim on the insurance.
Company Car Insurance
October 25, 2008 by more insurance · Leave a Comment
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Company Car Insurance
Business Car Insurance is different to insurance for cars which are used for personal projects like the weekly shop or picking up the kids from school because they’ve often got multiple people insured on them and are specifically for business tasks such as delivering or collecting goods or people.
Why is Business Car Insurance Required?
The government taxes us depending on our behaviour and we can receive a lower rate of tax on business vehicles than on our regular leisure vehicles because we are using them, in effect, to make a profit for ourselves or our employers.
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Caravan Insurance
October 24, 2008 by more insurance · Leave a Comment
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Caravan Insurance
There are typically two types of caravan, the touring caravan and the static caravan. The touring caravan is towed by a vehicle to various caravan sites, remaining only for a short period of time, whereas a static caravan is usually permanently parked on a hard-standing on a serviced site. The purchase of a new and even second-hand caravan is a very expensive investment so it is advisable to protect this investment with the right insurance cover.
Both types of caravan require relevant insurance cover to address the different risks they face. A touring caravan is naturally subject to the risks of road travel including collisions with vehicles and accidents caused by careless driving, side winds or poor loading. A static caravan faces the risks caused by the elements including flooding, wind damage and falling trees. The one insurance risk common to both is that of caravan theft.
Motorbike Insurance
October 24, 2008 by more insurance · Leave a Comment
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Motorbike Insurance
The law in the UK states that “driving a vehicle on a road or in a public place without insurance against third party risk is an offence”. Therefore, if you own or have access to a motorbike that you intend to use on public roads, you must insure it. If you are involved in an incident involving another party and you are unable to prove you are insured, the resulting fine to you could be a hefty £5000, depending on the seriousness of the incident, and an endorsement on your licence of between 6-8 points.
Boat Insurance
October 23, 2008 by more insurance · Leave a Comment
What is Boat Insurance?
Investment in a boat can require a major outlay and therefore to lose or damage it through theft, fire, storm damage, sinking and capsizing, grounding or collision would be a major financial catastrophe unless the right insurance is in place. Most boat insurers offer a comprehensive package to cover both your vessel and the belongings you keep on board, whether it is a dinghy or canoe to a yacht or cruiser.
