Driving a minibus comes with a good deal of responsibility, especially when you’re regularly transporting passengers. One of the main responsibilities of driving a minibus is making sure you have the right cover in place.
Below is a guide to minibus insurance, including the different cover options you can get and where to get minibus cover.
Cover options
Third party – Third party insurance is the minimum level of cover you’ll need in order for your minibus to be road legal. It’s the cheapest option and won’t provide any cover for your own vehicle since it’s primarily to protect other road users if you’re in an accident and to blame for it.
Third party, fire and theft – If you want to add more protection to a third party policy then you can get third party, fire and theft. As the name suggests, this will pay out for third parties as well as covering your own vehicle for fire and theft.
Comprehensive – A comprehensive policy is recommended if you can afford since it will…
Thatched roof properties are extremely desirable in the UK and something that many people dream of owning.
If you’re considering purchasing a thatched roof property then below are some of the main pros and cons so you can make an informed decision.
Pros
First let’s look at the pros of owning a thatched roof property..
They look incredible
One of the biggest reasons that people like the idea of owing a thatched roof property is for their looks. There’s no denying that thatched roof buildings have a unique charm that’s completely different to other types of properties and help to beautify any area they’re in. In fact new-build thatch properties are now becoming a trend in certain parts of the country.
A lot of people choose to modernize their thatched roof property by doing things like having French doors installed. French doors not only look great but you can choose from different shades of grey French door blinds to add privacy too.
They’re usually located in beautiful surroundings
Another great reason to own a thatched…
Setting up your own business can be a great way to get free of the rat race and gain financial independence. However you have to go about it in the right way. Below are some key requirements for setting up in the motor trade.
Insurance
In order to be eligible for motor trade insurance you need to meet the following criteria –
Be at least 21 years old – You must be at least 21 years old to get a traders policy. The risks involved with running a motor trade business mean very few providers will offer cover to those younger.
Have a full UK driving licence – Holiding a full driving licence is another minimum requirement to qualify for cover.
Be able to prove you work in the motor trade – You must be able to provide some proof, usually in the form of customer receipts, that you do in fact work in the motor trade.
Experience
In order to start a motor trade business, you’ll want to have at least some experience in…
If you have several trucks that you need to insure then the best way to do it is by getting a fleet insurance policy.
Below are some of the main types of fleet insurance you can get as well as the factors that affect the price.
Types of truck fleet insurance
Third party – Third party insurance is the lowest level of cover you can get when looking for HGV insurance. It will protect other road users for accidents that you (or one of your drivers) are liable for and therefore make your vehicles road legal. You can also add fire and theft to a third party policy for extra protection.
Comprehensive – A comprehensive policy will cover any trucks named on the policy for all types of accidents. This is a good type of cover to get since it provides the most protection.
Liability claims – Liability claims are certainly a risk for all types of businesses these days. That’s why people who get truck fleet insurance will often get liability claims added to…
If you own a minibus then you’ll know the importance of having it covered with a good insurance policy.
Minibus insurance makes your vehicle road legal and also means you’re able to use it to make a living, providing you have the right level of cover.
Below are some of the different types of minibus insurance policies you can get, as well as the benefits of getting cover online.
The benefits of getting cover online
Get quotes easily – One of the biggest benefits of getting cover online is that you’re able to obtain quotes very easily. There are many excellent sites where you can easily get minibus insurance quotes online, including https://www.insureminibus.co.uk/
Easily add/remove cover options – Another big plus of looking for minibus insurance online is that you can easily tailor the type of insurance you want by adding or removing cover option with the click of a button.
Pressure-free quotes – When looking for minibus insurance online you also don’t have any hard sell like you might when contacting insurance providers by…
VW campers have been an iconic brand of campervan for decades and are often associated with the hippy movement of the 1960s.
They remain one of the most popular brands of campervan to this day.
If you’re lucky enough to own a VW Camper then you’ll want to protect it with a good insurance policy. Below is a guide to insuring a VW camper, including the levels of cover you can get and the factors that affect cost.
Types of cover
Third party – Third party insurance will allow you to drive your campervan legally, however it only provides minimal protection and will not cover your own vehicle if you’re involved in a collision that you’re found to be liable for.
Fully comprehensive – A fully comprehensive policy will cover your camper for all types of accidents as well as fire and theft.
Breakdown assistance – Breakdown assistance is always a must when you own a campervan. If you don’t already have it then it’s definitely worth getting it included as part of your insurance…
If you run a business that relies on the use of trucks then you need to take out the right type of insurance to protect yourself. Truck insurance will provide the protection you need and can be tailored to the specific needs of your company.
Finding truck insurance is now easier than ever. There are many insurance comparison sites online that enable you to obtain truck insurance quotes very easily. One such site is Clean Green Compare Truck Insurance which can provide quotes for hgv insurance from the market leading insurance providers.
Some common types of trucks that require truck insurance include –
HGVs
LGVs
Refrigerated trucks
Recovery trucks
Gritter lorries
Skip bed lorries
Flat bed lorries
Types of cover
Road risks – Road risks are the most common type of cover with a truck insurance policy. You can choose from third party cover, third party, fire and theft or fully comprehensive.
Goods in transit – Goods in transit cover is extremely important when you’re transporting goods that are of high value or at risk…
If you’re planning to take your horse to a horse show then you want to ensure that you’re properly prepared for it. Below are some of the main things you need to take care of.
Transportation
The two main ways to transport a horse to a horse show are by using a horse trailer or a horsebox. Whichever you have you’ll want to take out horsebox insurance from a site such as cleangreencars.co.uk to be fully protected for all risks.
Preparing your horse
The first step when preparing for a horse show is to get your horse ready. Below are some of the key areas to focus on –
Bathing – When it comes to bathing your horses, it’s a good idea to do it the night before the show. This means you don’t have to worry about doing it on the day of the show and also means that there’s not much time for the horse to get itself dirty beforehand.
Clipping – Another key part of preparing your horse is clipping the longer…
If you run a taxi firm then one of the biggest overheads you’ll have is insurance. Any reasonably sized taxi firm will have multiple vehicles of varying values that need to be insured for road risks, liability claims and breakdowns amongst other things.
For most taxi firms, fleet insurance is by far the best option.
Why get fleet insurance?
Fleet insurance comes with a few key advantages over insurance vehicles individually. Firstly it is much more convenient to insure all your vehicles under one policy than it is getting separate policies for each. With fleet insurance you can not only insure vehicles of differing values but also insure different vehicle types. For example if you have a fleet of cars and minibuses then you can get them covered on the same policy.
Another big advantage of fleet insurance is that it normally ends up being cheaper in comparison to getting individual policies for your vehicles.
Factors that affect cost
Below are some of the biggest factors that affect the cost of taxi fleet insurance.
Public…
Working as a freelance courier can be a great way to make a living but it does come with some extra responsibilities you’ll need to be prepared for. As well as registering as self-employed, you’ll also be responsible for paying your own tax and finding your own customers.
Below are some tips to help you get started.
Getting a van
Although it’s possible to work as a freelance courier with a car, you’ll be in a much better position to work if you have your own van. When it comes to getting a van you might be better off renting at first until you’re sure you will have a steady stream of work that you can rely on.
If you decide to buy a van then you’re probably better off buying used since brand new vans can be very expensive, although there’s always the option to spread the cost. When buying used be sure that you know what to look out for to avoid buying a vehicle that has problems, or will develop problems further…
If you have a conviction then you might be seriously concerned that it will affect your ability to get car insurance.
It’s certainly true that a conviction can increase what you’ll pay for car insurance but it doesn’t mean you won’t be able to find cover at all.
Below is a guide to getting car insurance when you have a conviction.
Why does a conviction affect the cost of car insurance?
The reason that having a criminal conviction affects what you pay for car insurance is simply because insurance providers consider people who have a conviction to be a greater risk. It is not different to how younger people under the age of 25 have to pay more for insurance since they’re statistically more likely to be involved in an incident that results in a claim.
For example if you’re looking for insurance with a drink driving conviction then insurers are certainly going to consider you greater risk.
Other things that affect the cost of car insurance include –
The value of your vehicle
Your…
If you’ve ever considered working as a black cab driver then you might have wondered if you have to take care of your own insurance. The answer to this question is usually yes.
In addition to getting your own insurance as a black cab driver, there are other things you must do in order to be able to work legally. These include –
Apply for a private hire licence
The first step to becoming a black cab driver is to obtain a private hire taxi driving licence.
In order to be eligible for a private hire taxi driving licence you should meet the following criteria –
Be at least 21 years old – You can technically apply for a private hire licence at 18 but you cannot be fully licenced and work until you’re 21
Have a full driving licence – You need to hold a full UK or EU driving licence in order to a apply for a private hire taxi licence
You are able to live and work in the UK – You…
