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Surprising factors that affect your premium

When you come to getting insurance for your vehicle, there are a lot of questions that you usually have to answer. It’s hard to determine which of these are important and which others are not. You know that age, no claims bonus and your vehicle type are important but what about other factors? Here we take a look at surprising aspects which can increase your premiums.

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Mistakes you have to avoid with regards to Private Hire Taxi Insurance

The decision to start a new job as a private taxi driver can be an exciting time but it’s easy to rush into any new job without thinking of the consequences first. Due to this, there are many mistakes that people can make which should be avoided. Here we look at how to prevent yourself from getting off to a bad start.

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Camera Telematics and Accident Buddy team up

Within the commercial insurance sector, being able to use advanced solutions to protect your fleet of cars or HGV’s is key. The latest news that will delight all fleet managers or business owners sees Accident Buddy teaming up with Camera Telematics. Accident Buddy have recently confirmed that they will begin exclusively using Camera Telematics as their preferred supplier of onboard cameras. 

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Reduce your van insurance price in five easy steps

If your van is the key to your occupation, you need to make sure it’s on the road safely and legally at all times. This is really important if the vehicle is at the heart of what you do, for example, if you’re a courier, taxi driver or you drive an HGV. Your van insurance doesn’t need to be the most expensive part of your job though. There are plenty of ways to keep the costs down.

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Avoid losing rental payments during the sales process of your rental property

Many landlords come to a point where they intend to sell a property they own and rent to a tenant. The long existing process of issuing notice to a tenant before sale often leaving months where the property is vacant need not be!

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Best Cars for Buying and Selling in 2019

2019 is fast approaching and the forward thinking individual may be considering what cars to keep a look at for to buy and sell at the turn of the year. Many people choose to do a little part time trading in order to supplement their income. As a part time motor trader though, it is not always easy to quickly identify the best cars for buying and selling.

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Toyota Camry To Be Brought Back To The UK Market After 14 Year Layoff

It has been 14 years since the classic name of the Toyota Camry has graced our new vehichle forecourts – but now out of the blue Toyota has announced that it is looking to bring it back to the UK market place. This will be the Camry’s eighth incarnation and will be in the form of the Camry Hybrid and will replace the Avensis which is on its way out and will become Toyota’s D segment challenger.

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Police now using an Undercover HGV to catch law breaking motorists!

Since the Central Motorway Policing Group took over patrols patrols on the A500 D-Road between Hansford and Alsager, they have started a new crack down which see’s them using a Mercedes HGV to catch motorists using their phones and other devices whilst driving.

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Police Seize 142,000 Cars in 2017

Police in the UK carried out a heavy crackdown on uninsured drivers through 2017 seizing a total of 142,000 cars. Included within that total were a number of luxury vehicles including Rolls-Royca, Ferraris, Maseratis, BMW’s, Porsches, and Lamborghinis.

It is reported by the Motor Insurers Bureau that about 40% of seized vehicles are crushed! Vehicles carrying a higher value are sold at auction where money is used towards police budgets. Crushing cars of uninsured drivers has been common practice since 2005 in which police have seized a total of 1.7 Million Cars.

Who are big time culprits?

Research suggests that uninsured drivers often drive expensive cars such as top of the range BMW’s where out of the 142,000 cars seized, 3558 were BMW’s which is nearly 10 a day!

There were also 2982 Audis, 36 Porsche, 12 Bentleys, 4 Lamborghinis, 4 Ferraris, 3 Maseratis, 3 Jaguars and a Rolls-Royce.

How to get your Vehicle back if it is impounded

Retrieving your vehicle can be expensive but if you vehicle is worth a good sum of money, then retrieving it is a wise option.

Drivers will require an impounded car insurance, proof of ownership, valid drivers licence and proof of identity. All these will be required at the impound.

To pay there will be a fixed penalty (often around £300). A release fee (usually £150) and a daily storage fee typically starting at £40 a day.

Cars worth less than £1000 are often not worth saving from the crusher and better off paying your fine and starting again but properly!

A quick guide to Motor Trade Insurance

If you are feeling confused about what type of insurance you need within the motor industry, you are not alone. Many businesses in the motor trade are unsure which policies exist and what the policies cover. To help you find the right motor trade insurance, we have put together this useful guide.

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3 top reasons to get business insurance for your SME

If you run any kind of SME within the UK, then there are lots of things to think about. From dealing with your customers to keeping your accounts up to date, you will have lots of different business tasks to do. One key task that should not be forgotten about when running a business is taking out the proper insurance.

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A quick guide to unoccupied property insurance for landlords

As a landlord, it is inevitable that there will eventually be a period when your property will lie empty. Leaving a property unoccupied for any length of time is a risk, but it is possible to protect yourself with an unoccupied property insurance policy. We have comprised a quick guide to help you understand the details of an unoccupied property insurance policy.

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Tips to reduce your professional indemnity insurance premiums

Professional indemnity insurance, also commonly known as professional liability insurance (PI insurance), is a specific type of insurance that covers you and your business from legal costs. As well as covering these costs, it also may cover any expenses incurred during your defence, and damages that are awarded against you.

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What insurance do you need as an entrepreneur?

When you’ve got a great idea, and a chance to get your business off the ground, insurance can be the last thing you think about. However, insurance should be top of your list; without it, you could lose your business, risk being sued privately and actually be breaking the law.

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Is your courier business future ready?

April 2018 saw UK high street retailers suffer the biggest drop in sales for 22 years (in fact, since records began). This follows news earlier this year of household names like Toys R Us and Maplin collapsing. And, a number of others such as House of Fraser and New Look searching for agreements to reduce rent costs and close their shops.

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More HGV insurance Money Saving Tips

One major expense for HGV fleet operators is the cost of insurance. The bare minimum insurance cover you must have in place for an HGV is third-party insurance. Third-party cover ensures that anyone who is injured or whose property is damaged as a result of the way in which your HGV is driven will be compensated for any losses they have suffered.

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How has the gig economy revolutionised courier insurance?

There is little doubt that the offer insurance companies provide to couriers has seen great changes in recent times. This is mainly down to the so-called ‘Gig’ economy which many couriers are employed in now. This way of working sees couriers picking up work when they can and often using their own vehicles to complete it. Compared to a salaried employee using a company vehicle to deliver goods, this is quite a change.

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Pressure to reduce motorway service pump prices

It’s well known that filling up at a motorway service station is considerably more expensive than filling up your tank elsewhere, so we’re sure that the industry will welcome the news that the Competition and Markets Authority is considering a government request to look into the high prices charged for fuelling up at the services.

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The demonisation of diesel

Since the beginning of 2017, the market has seen a decline in the number of new diesel registrations by nearly 25%, according to statistics from the Society of Motor Manufacturers and Traders. Performance-wise, new diesel cars in 2017 emitted around 12% less carbon dioxide into the atmosphere than equivalent models. This, experts say, suggests that the decline in buying diesel vehicles has resulted from a ‘demonisation’ of diesel.

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Intelligent Telematics launches fleet insurance solution

News in the fleet insurance sector has seen Intelligent Telematics release an innovative new product. They hope it will not only provide greater immediate access to incidents but also help fleet insurance costs fall. The cutting-edge product is a real game changer for fleet managers who are looking at better ways to manage their insurance costs.

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Securing insurance for workers after a drink driving conviction

Has one of your drivers been convicted of drink driving? Are you worried about securing insurance for a commercial driver with endorsements on their licence? Insurance can be expensive for drivers who have had drink driving convictions in the past, and this is often a barrier to employment. You don’t want to pay over the odds to insure a driver, especially when they represent a higher risk than other drivers within your company.

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Will self-driving HGVs lead to job losses?

Trials for self-driving cars and HGVs have started in the UK, but they have not been without controversy. With multiple fatalities having occurred with self-driving cars in the U.S. it is clear that we are still some way off a complete overhaul. Looking forward, however, it is important to consider how self-driving HGVs could impact on the haulier and supply industries. Here we question whether self-driving HGVs will lead to job losses.

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‘Beast from the East’ creates £35 million vehicle insurance bill

As we roll into spring, the worst of this year’s winter storms are thankfully behind us – but for many couriers, taxi drivers, HGV operators and others in the logistics trade, the Beast from the East has been a bitter pill to swallow, after many faced disruptions for the best part of a week.

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Shoppers’ demands boost courier firms

Whilst many consumers regularly use online shopping, it seems that an increasing number of people are looking for faster delivery times. According to a study carried out by Whistl, almost 1 in 5 want same or next-day delivery services when they’re shopping online. Although consumers in large cities are most keen to take advantage of fast shipping services, the delivery management firm has reported an overall increase in the demand for quick deliveries.

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Connected vehicle cameras offer huge savings for insurance claims

Research from Intelligent Telematics and Plexus Law has revealed that connected vehicle cameras prove remarkably successful at cutting the lifecycle and costs of insurance claims. This is likely to result in substantial cost savings for commercial fleets and possibilities of reductions in the overall cost of fleet insurance.

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More autonomous features on new vehicles will lead to enhanced road safety

Vehicle manufacturers are developing a range of features designed to reduce driving risks and enhance safety. Many of these innovations feature autonomous designs and it’s estimated that up to 2,500 lives will be saved by the year 2030 as a result of enhanced road safety. A total of 25,160 people were killed or injured seriously due to road traffic accidents in the year to September 2016 and up to 90% of these accidents were related to human errors.

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Why it’s important to check your Lorry trailer every day

It is vital that you check your HGV trailer every day. This is not only to ensure the safety and security of your vehicle, but it is also a requirement of UK law, as in accordance with the DVSA, and with your Lorry insurance policy. One major part of ensuring that your HGV is safe on the road is by carrying out a daily ‘walk around check’ to inspect both the cab and trailer.

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What to Avoid with Fleet Insurance

Fleet Insurance allows you to essentially cover multiple vehicles used within your business under 1 policy. When you purchase all your insurance from 1 provider, it allows greater discounts to be applied to your policy. When you need to insure a larger fleet, your motor fleet policy will always work out cheaper than multiple individual policies.

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Everything you need to know about courier van insurance

If you run a courier business then there can be a lot of confusion surrounding the needs and legality of having the right type of insurance to cover you, your staff, your vehicle and the goods that you carry. Below we share information about taking out courier insurance and what you need to know to keep you and your business covered:

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The self employed courier insurance minefield

If you’re getting started as a courier, and using your own vehicle to transport parcels, you’ve probably struggled to find insurance which covers you during working hours. The phrase you’re probably fed up with hearing is “Hire and Reward”. Essentially, the courier company is hiring your services and rewarding you for them. Don’t confuse this with haulage insurance, which is really only intended for long distance transport companies who don’t make multiple stops en route.

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Everything you need to know about motor trade insurance

Motor trade insurance was created to protect a variety of motor trade businesses against risks associated with driving vehicles owned by the business on the road. The types of business using this kind of insurance range from second-hand or new car dealerships through to motor mechanics and breakdown companies. The insurance cover offered is known as road risks insurance and it also provides protection for interactions with the general public.

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What to look for when taking out courier insurance

If you are setting up in business as a courier then arranging courier insurance is vital. You may even be working for an employer who expects you to sort this out yourself. Whatever the reasons you are needing to take out courier insurance, knowing what to look out for is key. As with any other form of trade that operates on the nation’s roads, you need to have the correct cover in place for full protection when working. But what should your courier insurance cover?

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Top ways to save money on your Private Hire Taxi Insurance costs

If you drive a taxi for a living then you naturally need to have insurance in place to legally do so. For many taxi drivers this can be a costly necessity as cheap private hire taxi insurance costs can often be quite high. If you are wanting to drive down your annual insurance quote and find ways to insure your cab for less, these tips should help.

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How HGV drivers should deal with a collision

As a professional driver, people will often look to you after an incident to know what to do so it is important that you know how to handle such a situation with confidence. Even the most careful of drivers can have an accident, which is why you have HGV insurance. You may well be the first to arrive at an accident or may be involved in one yourself, so here we explore the steps you should take as an HGV driver when there is a collision on the road.

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Matrix Telematics releases details on new dashcam

In recent news that is sure to impact on those who need fleet insurance, Matrix Telematics have announced details of their new dashcam. Fleet managers at all businesses know the value that dashcams have, both in terms of evidence to support a claim and also bringing fleet premiums down, so this new technology is sure to be welcomed by many in the commercial motor industry.

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Dash cams prevent ‘crash for cash’ scams

Latest figures are making it very compelling to ensure all vehicles in a fleet are fitted with advanced camera solutions, especially for a decision maker who’s thinking about the cost of fleet insurance. Why? Well, according to the Insurance Fraud Bureau, ‘crash for cash’ criminal scams are costing the insurance industry millions of pounds every year.

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Potholes and damage to your HGV

Potholes on our UK roads are not only a nuisance for HGV drivers, they are also costly. It is estimated that, for every mile of road in the UK, there is one pothole, which is a total of over 200,000 potholes on our roads. This is a problem that will only get worse, due to the harsh winter conditions we’ve been having in recent years.

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Vehicle break-ins on the rise, research finds

When managing a fleet, there are any number of things to consider to ensure that everything runs smoothly at all times. Whether it be using the right lubricants to help aid efficiency, or acquiring tools to reduce harmful emissions, the task of looking after vehicles to ensure they are best equipped to benefit the wider business is never ending.

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Dedicated telematics technology set to drive fleet insurance costs down

While many professional couriers, delivery drivers and taxi operators have made good use of dashcam recording technology to protect themselves from bogus third-party claims for many years, 2018 is set to see the first of many fleet insurance underwriters implementing a dedicated combination of telematics and camera technology to drive the overall cost of policies down for seasoned, accomplished drivers.

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ODO: a new fleet management system for small to mid sized businesses

Fleet managers will welcome the opportunity to check out a new software and fleet insights service available on the Drive platform. ODO is a new fleet management system from Drive Software Solutions Ltd that’s specifically aimed at small and medium sized businesses. The software runs in the Oracle cloud, making it easy to access the system from any device, any place.

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How to get the right HGV Insurance for your Truck

If you are a self-employed truck driver, or just responsible for sorting your own lorry insurance, it can be assumed that you either way, you won’t have a great deal of time on your hands to sort out your insurance. As such, we have put together a simple read through guide that will help you get it right first time!

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Is it time to move away from diesel?

The demonization of diesel is a hot topic in the news and as such diesel vehicles are likely to attract some negative legislation in the coming years. Despite being promoted and incentivised, new data and the illegal practices of certain vehicle manufacturers has turned the tide against diesel vehicles. For many this will mean a devaluation of vehicles and increased costs, but for big businesses with big fleets it could be devastating. Here we explore whether you should begin to phase out your diesel fleet vehicles.

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How to Save Money on Fleet Insurance

For those seeking to purchase fleet insurance, we have come up with a few tips and tricks to help you get the best deal possible. There are numerous things to consider, and although most of them are common sense, it doesn’t hurt ensuring you have all your basis covered before going out to haggle with a broker.

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