Posts Tagged ‘transport’
Sunday, October 2nd, 2011
Within the confines of an insurance organisation “Fleet Insurance” is a phrase thrown about all the time, with little or no thought about the origins of the expression. This type of insurance is simply a product, along with all our other products, and we are relied upon to find the best and most suitable policies for our clients. These can range from truck fleets, to van fleets, and car fleets to lorry fleets.
A book called ‘Our Language’ by Simeon Potter gave me a life-long interest in etymology, and this revelation occurred while I was keenly studying for my A Levels. I try to work out where words have come from after I’ve read them. You can gain a deeper understanding of the word itself if you learn the root of its origins. I understood previously that a ‘Fleet’ was a term for ‘more than one’, and related to the great fleets of ships that helped the empire.
I decided to look it up in a moment of weakness, thinking there must be more to the origins of the name than my limited knowledge. I found a website called Word-Origins, and according to that, the word ‘fleet’ is related back to the word -pleu-, meaning ‘flow, float’, and is a very old Indo European word. However, the German word fleutan (meaning ‘float, swim’) is where the actual word comes from, derived from the plue.
If you too are interested in etymology, there is a lot more on the page, and you should take a look and research it for yourself. When we observe our use of the word fleet today, a ‘fleeting glance’, or any other use of the word in this format is the only descendant left of the old language. Fleet Street interestingly has no connections with ships, and is called this due to a relation to the Thames. These variances show that in the 16th century, the word adopted a sense of transience.
Searching the origins of words gives you a little insight into what some insurance brokers do when they aren’t finding the best quotes for their customers. I’m sure all the other insurance categories we cover have equally interesting names, and I will research them when I have the time.
Fleet insurance is available to households or businesses, to get more information, visit Coversure. They are a reputable independent broker who can secure you a grea deal on you fleet insurance.
Tags: affordable car insurance, auto, autos, car, cars, finance, fleet insurance, home, home improvement, insurance, transport, vehicle, vehicles
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Sunday, October 2nd, 2011
I have eight Vauxhall Corsa vans insured under one fleet policy for my electrical contracting business. I began the business three years ago, and have been with my broker for the entire time. Five months ago, business began to boom, and I therefore made a decision to hire two electricians on a freelance basis. I also needed to buy them two new vans, meaning I had eight in total, and therefore now had eight in total on my fleet insurance policy.
After the boom in business, we unfortunately had a decline in customers about two months ago, meaning I was forced to reduce the work of my two new freelancers. I was then left with the two extra vehicles which aren’t being used. I didn’t want to sell them, however, in case business became popular again.
The vans were being kept in a friend’s lockup, and so I didn’t want to insure them if they weren’t going to be used. I therefore spoke to my insurance broker about taking the vehicles off the fleet policy, to which he explained about a new continuous insurance enforcement law, which has been put into place to attempt to control the rising numbers of uninsured drivers.
I was informed by my broker that not either insuring my vehicles or declaring them as ‘off the road’ or SORN is seen as a criminal offence and could lead to severe consequences. CIE systems are used to check the database of the DVLA, in accordance with the MID (Motor Insurance Database), meaning they are able to see who has uninsured vehicles, and contact them. A series of penalties can be faced by these drivers if they don’t purchase any insurance, and if caught they will face a fixed penalty of 100, as well as a possible fine of up to 1000 and a court prosecution. As well as these personal penalties, the vehicle(s) in question face the possible prospect of being clamped, seized and destroyed.
After my broker gave me this advice, I made the decision to keep my vans insured as a fine and prosecution would end up costing me a lot more. The advice I was given by my broker was very useful, and information, and saved me from unintentionally breaking the law.
I would advise all businesses to speak to a local broker, the advice you get can be invaluable and they also work hard to ensure you have the most competitive price. Don’t get caught out by insurance seek advice from a professional.
If you want to look into fleet insurance for your family or your business, then you should get in touch with Coversure. They are an independent insurance broker with a great reputation and so they can get you the best deal around. van insurance
Tags: affordable car insurance, auto, autos, car, cars, finance, fleet insurance, home, home improvement, insurance, transport, vehicle, vehicles
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Saturday, September 17th, 2011
Moving home leaves you with more than enough to think about already, so it helps to have a moving checklist on hand to make sure that you don’t forget anything you need to get done. Here are five important points to get you started.
1) Contact Removal Firms
Try to get quotes from a number of different removal firms as far in advance as possible: you want to make absolutely sure that they’re available on your moving date. Getting quotes from a few different companies means you know the rough price to expect and can work out which one would be best for your needs. Don’t forget to ask whether they will provide any packing supplies – those will come in very handy!
2) Check Your Renters Insurance Quotes
There are a number of different factors that play a role in how much your renters insurance costs, so moving home is a good time to check out new renters insurance quotes to see if you can save some money. Also check the fine print so you know that you’ll be covered in the new home from day one.
3) Time To Start Packing
Use the fact that you’re moving home as a reason to go through everything you own and get rid of the clutter that serves no purpose. This includes clothes you haven’t worn for over a year, old sentimental items you’ve forgotten about, and anything else that’s just not worth the effort of moving with you. You could even make a little extra money by selling these things over the internet.
At the same time, begin packing. It’s a daunting task, so breaking it down into small chunks on your moving checklist will help make it more bearable. Start with the items you rarely use and move on from there.
4) Check Your Car Insurance
Another expense that’s likely to change when you move is your car insurance. Insurance firms use statistics based on your zip code to come up with a price. This is why it’s well worth looking for a new auto insurance quote that could save you money. Cheap car insurance really isn’t that difficult to find these days, now that you have the benefit of websites that’ll display tailored quotes side by side to help you make a decision.
5) Tell The Post Office To Forward Your Mail
Next it’s time to consider what happens to your mail after you move. First, try to get in touch with all the companies who send you mail to update your address. Then set up a redirection service with the Post Office for anything you may have missed.
Remember, your auto insurance quote is likely to change when you move, and you may as well check to see whether you can save! Renters insurance quotes” are also very easy to find – the internet means you can set it up without any stress!
Tags: affordable car insurance, auto, car, car insurance, finance, home, home insurance, money, renters insurance, save money, transport, truck
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Tuesday, August 30th, 2011
In the search for affordable car insurance, almost all of us consider the need to stay protected against damage to our own and other people’s cars. However, many of us fail to consider the financial hit we could take if we haven’t finished paying off our car yet. In this case, gap insurance is more important than you might realize.
What Is Gap Insurance?
Gap insurance is specifically designed to cover against the gap between what your car is worth when totaled, and any payments you still need to make on it based on the value at the time you bought it. As we all know, the value of a car drops as soon as you buy it. This means that, if you purchase on finance, you’ll owe more than the insurer may pay out in the event of an accident.
Gap Auto Insurance: When Is It Necessary?
Note that gap insurance coverage isn’t needed in all cases. There are two different circumstances in which it is definitely necessary, however: 1) You’re leasing the car and have an agreement that states you are responsible for the value if it’s stolen or totaled. 2) You bought the car on finance and owe more on the car than it is worth now.
Is it really necessary, though? The short answer is yes! Why? Because the gap between the two amounts can be quite big, leaving you with a big deficit that you may not be able to afford. When you take out gap insurance, you won’t have to worry about this happening.
On the other hand, there are occasions where gap insurance coverage isn’t really necessary. That is, if you paid most of the cost upfront so that your outstanding payments are worth less in total than the value of your car. In other words, if there’s no shortfall between the amount outstanding on the car, and the amount insurance would pay out for it, you don’t need this type of coverage.
How To Choose The Best Gap Insurance Cover
As with the search for any kind of affordable car insurance, it pays to shop around. When looking at gap auto insurance policies specifically, you should also take a close look at their terms. There are usually restrictions on the age of the vehicle and you’ll only have a short period time after buying the car in which to take up this kind of insurance. Make sure you do, though, as you could end up losing a lot of money if you don’t!
Affordable Car Insurance will make it easy to seek out the best gap insurance quotes available. It only takes a few minutes to enter your zip code and answer a few questions before you have a whole list of quotes to consider.
Tags: affordable car insurance, auto, car, car insurance, finance, gap insurance, insurance, money, transport, vehicle
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Friday, August 26th, 2011
We can definitely save a whole lot of time by means of employing the planet wide web. Through this beneficial tool it can be feasible for us to get auto insurance quotes even without having going out of the home or even making a single phone call. Any one of quite a few web sites will provide you with quotes in just minutes. Back during the old days, getting quotes was much harder.
You aren’t limited to obtaining quotes, either. Desire to know about insurance laws within your state? Simply appear them up. You just have to give some details concerning your self and your background with driving. You do not need to do anything else to get a quote. Most websites will respond within minutes.
This allows you to no longer need to cope with insurance salesmen who are only out to get your money. You no longer have to ask your household who their insurance business is, because it is possible to discover your own deal on insurance. You might even want to look at local providers operating inside your region. Why not? It’ll only take you a few minutes to see if they are able to give you an incredible deal.
Thanks towards the internet, you can compare rates for insurance in different states. This is fantastic if you are moving. Immediately after obtaining a quote, it is possible to even go online to see if there are many consumer complaints.
The terrific factor is that you can merely move on to yet another provider for those who don’t like the present a certain provider provides you.
You are able to have one or more great possibilities for insurance with just a number of hours of function. Plus, you will know you’re dealing with a reputable corporation that treats their buyers nicely.
It’s easy to get insurance quotes on the web. Find out more about low cost auto insurance in Florida.
Tags: affordable car insurance, auto, car, car insurance, driving, finance, insurance, money, transport
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Saturday, August 20th, 2011
Insurance is highly important, at the present. Whether it is for your health, your life or even for inanimate objects. If it is something important for you or your livelihood, you can apply for one. When it comes to vehicles, it depends on what type of vehicle you have. If you own a truck, it is a must for you to get truck insurance.
Even if it is parking by the side of the road or going from interstate to interstate anything troublesome could happen. You have to keep this in mind whether you are the aggrieved party or the one who caused it. Something bad can happen to your vehicle at any time of the day.
The problem could include the cargo, and not just physically on your truck. And when something unfavorable happens to either or both of them, you may have only either reaction. You may be glad with how things turned out because you are insured. Or, you may be stunned in disbelief at how you have failed to see the importance of getting your vehicle and its cargo insured.
Before applying for any coverage or policy, you have to know the type of coverage you need. For you to pick out the appropriate one, you have to know the main purpose of your vehicle. It is not like insuring your car because most of the time, a truck is used for the owner’s livelihood.
A clearly defined policy will be able to point out what circumstances are covered. This is a great way for you to protect your livelihood. Think of insurance as another form of investment that somehow absorbs some of the blows that may be thrown at you. It could a road mishap, bad weather or theft. If you get your vehicle insured, you may be able to lessen the financial blow to your business.
In some nations, it is even a must. If you are there and you do not get coverage, you are breaking the law. They have acknowledged how important insurance is to both parties involved. They have even used their authority to make it a mandate.
The longer your vehicle is operating with no insurance, the higher the risk of having to personally pay for any or all damages. This goes for both the vehicle and the cargo. And later on, staying in a business with no coverage could lead to less and less customers.
Normally, there are so many options to choose from. Clearly more than you can count with both hands. What is important is that you carefully pick the best one that would apply to your need. A suitable truck insurance is surely an investment worth making.
Truck Insurance | truck insurance I remembered the family lectures on insurance when I had got my first car and knew everything was going to be fine.
Tags: affordable car insurance, auto, autos, car, cars, finance, home, home improvement, insurance, transport, truck insurance, trucks, vehicle, vehicles
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Sunday, May 29th, 2011
Today truck insurance can get you the coverage you need for a commercial vehicle or a private one. It can cover accidents, injuries, damage and in the event there is theft. Various types of coverage can give you the options you need to have an affordable payment plan and carry enough coverage no matter where you go.
Insurance coverage for trucks is intended for protecting what you own, no matter if it’s a tow truck or a dump truck. When you are looking for a discount, then, if you own a few vehicles usually many insurers offer a better deal. This in the long run can mean bigger savings for commercial use or private.
Whenever you are running a business the right coverage can go a long way. Whether it’s a small business or a large one that has a fleet of vehicles. Each type of policy can be customized to meet just about any of your needs, in addition to getting the right advice so you won’t have to make an important decision alone.
These days there are many types of commercial trucks in use. Since there’s a variety of businesses that utilize trucks it’s good to know there is insurance to keep you covered. This way you may go about business as usual and don’t have to worry when something happens.
Quotes can be found easily over the web. It allows for you to find and get an idea of what you can expect for coverage. It also let’s you make a purchase in the event you find what you like. Even, if you have some questions it’s easy to connect to an agent in your area to get the coverage you want based upon your needs.
Today there are many choices when it comes to insuring your vehicle. Just about all insuring companies offer monthly payment plans, or those that you may pay for in advance. Either way you may find an affordable policy to fit your budget and coverage that’s needed for protecting what you own.
Truck insurance is something that keeps you covered no matter if you own a small business or just drive a private vehicle. A customized policy may cover you for your business no matter what industry you are in. A quick quote can be found on the internet which allows you to buy and get coverage immediately. Many of the payment options make getting and carrying insurance a snap. This way while on the road you can be sure when the unexpected happens you have the coverage you need.
When you or even your business wants truck insurance, Coversure are definitely the folks you ought to make contact with.
Tags: auto, auto insurance, autos, car, cars, finance, home, home improvement, insurance, transport, truck insurance, trucks, vehicle, vehicles
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Saturday, May 14th, 2011
In Fleet, I own a local sandwich and coffee bar, which, due to its fortunate location in the centre of a busy high street, relies on walk in trade. I’ve always been happy with the progression of the business, and keep my business insurance up to date.
Me and my business partner agreed to a new development strategy for 2011 after reviewing our business plan, intended to grow our business over a five year period. My business partner was more of a risk taker than me, and I was initially sceptical about the large investment this new plan would require, but nevertheless we decided I agreed to go for it anyway.
We needed to purchase refrigerated vehicles to develop with our business plan, which would allow us to deliver office lunches to those people who were unable to leave. We currently had one vehicle for one-off deliveries of this kind, and to develop this service we ordered three more vans to be delivered in two weeks.
After ordering the vans, I happened to be talking to a very knowledgeable insurance broker, to which I explained our business plan, and my concerns about the cost of the insurance of the vans. He put my mind at ease, suggesting we put all the vehicles on one fleet policy, an idea which had not occurred to me, which would save us money, and made sense because all the vehicles were being delivered together.
However, I then questioned him about our single van that was due for renewal in 3 months time. He said that I would probably save more money if I kept it on its own policy until the renewal is due and then add it to the fleet policy.
After contacting my broker to arrange the fleet insurance I saved a significant amount of money, and would recommend using your local insurance broker to anyone looking to save money on fleet insurance.
A good insurance broker like Coversure will be ready and willing to get you the best available deal on your fleet insurance. Even including their broker fees, the chances are that the deal will work out cheaper because of their excellent contacts and influences in the insurance industry. fleet insurance
Tags: auto, auto insurance, autos, car, cars, finance, fleet insurance, home, home improvement, insurance, transport, vehicle, vehicles
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Friday, May 13th, 2011
When looking into getting insurance for your truck, it should be a priority to see what cover you are getting, not just whether you have got the cheapest quote or not. You often get what you pay for with insurance and if you pay rock bottom prices, the chances are you’re not going to be covered for a lot of situations.
A business using trucks relies heavily on them to transport their product to suppliers and clients, and therefore they need to carefully consider the insurance they are going to use. There are various angles which need to be covered in the insurance, for example the business will need to cover the cost of damage to the actual truck, the possibility of being sued by the other party, and also any cargo that the truck may be carrying from damage or theft.
Trucks vary in size, and because of this the price of insurance varies widely also. I have seen trucks defined as anything between 3.6 tons and those gargantuan trucks that hold up the motorway and weigh in at 60 tons. The cargos also vary widely, and this too can have an impact on the cost of insurance, For example a truck might carry:
- Livestock - Flammable materials like petrol - Valuable cargo like expensive cars (imagine crashing in to a truck load of Porsches!) - Foodstuff - Important paperwork
Although this is by no means the only cargo available.
In my opinion, the very best way to make sure your truck is properly insured is to talk to a reputable insurance broker. That way you will get honest advice about what kind of truck insurance you need and also perhaps get some guidance on what other insurance requirements you have.
Finally, an insurance broker might also be able to assist in reducing claims. Many brokers offer advice in reducing the risk, and therefore reducing the price of your truck insurance. It might not be a quick fix, but by making a few changes to your working practices an insurance broker might genuinely be able to save you money on your truck insurance.
If you or your company needs truck insurance, then Coversure are the people you need to get in touch with. They are insurance brokers and have strong influences in the industry. They can hunt down a better deal than any individual, just click on one of the links. truck insurance
Tags: auto, auto insurance, autos, car, cars, finance, home, home improvement, insurance, transport, truck insurance, trucks, vehicle, vehicles
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Friday, May 13th, 2011
As a freelance truck driver, I am really looking forward to Truckfest this year. In fact my truck insurance is up for renewal and I might be able to get a ‘cheap’ truck insurance deal while I’m there. I say cheap truck insurance, but that doesn’t really exist. Don’t worry, I’m not ‘sad’ and I don’t only to go to Truckfest to talk to the local insurance brokers at their exhibition stands. For a start I normally take my son and he much prefers the Monster Trucks, understandably.
The diversity of Truckfest is one of the best things about it. There are so many people to meet and so much to see, such as new technology brought in by companies, insurance brokers explaining their policies, large haulage firms and small owner drivers, so there really is something there for a huge range of people.
As one of the UK’s largest outdoor events, it combines monster trucks, industry bodies, exciting family entertainment, celebrity guests potential employers and trade stands. Truckfest is used by the trucking industry to showcase the latest industry developments and vehicles, and is therefore attended by hundreds of trucks, from standard HGVs and fleets to giant trucks with magnificent artwork and gleaming chrome.
It is also there to showcase the industry to the general public and even if you aren’t a fan of trucks, there’ll be plenty to do, from the giant trade stand areas, to model shows, craft fairs and the action packed entertainment.
I am looking forward to Truckfest for many reasons, but one of my main objectives will be to try and get a good deal on my truck insurance. Having said that, it’s not always a case of looking for the cheapest insurance deal and it is often better to ensure that you have a comprehensive insurance policy. The way I look at it, if you get a cheap insurance deal at the same time, that’s all the better. If you can’t find what you’re looking for at Tuckfest, I would suggest you contact your local insurance broker. Most of the time, you really can’t beat the personal service provided by a good local insurance broker.
Good truck insurance policies are often difficult to find cheap, but all is not lost, you can use an insurance broker like Coversure who are one of the top companies, to secure you a great deal using their contacts and influences in the industry. truck insurance
Tags: auto, auto insurance, autos, car, cars, finance, home, home improvement, insurance, transport, truck insurance, trucks, vehicle, vehicles
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