Insurance

About this type of cover
If you run a business that requires the use of vehicles, it is vital

that your vehicles are fully protected with a good insurance policy.

Whatever type of vehicles you have - whether you run vans, cars,

trucks, etc. - adequate is not only important but is a legal

requirement. Business vehicle insurance these days comes at a very

reasonable price, and whether you have one vehicle or a whole fleet,

you can find adequate insurance at a low cost. With varying levels of

cover available, you can enjoy protection to meet the needs of your

business and your pocket.

Summary of Cover
The features provided with business vehicle insurance will be dependant

on the level of cover that you take out as well as on the type and

number of vehicles. You can generally select from the most basic cover,

which is third party, through to fully comprehensive cover. Business

vehicle insurance (depending on the level taken) can cover you for harm

or liability to a third party, harm to the driver, damage to your

vehicle, fire and theft of your vehicle, and legal costs. It is

important to check the features of any business vehicle insurance

policy before you commit, as it is vital that you have the appropriate

level of cover to meet the needs of your business.

Optional Extras
As with other types of insurance cover, there are a number of optional

extras available with all types of business vehicle insurance cover.

These include:

Legal expenses cover, which will cover you for legal costs should you

not already have this cover included in your policy.


Breakdown cover is another popular optional extra, and it is a good

idea to take this out if you have commercial vehicles, as your income

could rely on your vehicles being on the road. You can get different

levels of breakdown cover.


Glass cover is also available, and offers valuable protection against

window or windscreen damage.

Tools and spare parts cover is available with some insurers, which will

ensure that you can get on with your work whatever the circumstances.

Additional Information
It is imperative that you check any business vehicle insurance policy

before making a commitment to ensure that it provides the levels of

cover that you require for your vehicles. Policies can differ from one

insurer to another, and it is advisable to compare both premiums and

features before making a decision. The claims procedure can also vary

from one insurer to another. This will depend upon the insurer's own

regulations and you should ensure that you are familiar with the claims

procedure.

Free Extras to Look Out For
There is no guarantee that you will receive any free extras with your

business vehicle insurance cover, but some insurers do offer extra,

particularly with higher levels of cover. You should check with the

insurer with regards to any additional extras they can provide, and

because competition is fierce in the insurance field you may find some

excellent deals with a range of free benefits.

Saving Money on your Cover
If you want to save even more money on your business vehicle insurance

cover there are some steps you can take to cut costs. These include:

Shop around as the cost of cover and the benefits of cover can vary

from insurer to insurer, so it is important to compare the various

deals on offer.


Go online as the Internet is often home to some of the cheapest

business vehicle insurance deals around, and you can also enjoy far

more choice. Some insurers offer additional discounts to online

customers.

Increase the amount of excess on your policy: The higher the excess on

your policy (the sum you have to pay from your own pocket in the event

of a claim) the lower your premiums are likely to be. However, before

you make your decision you should see whether it makes a significant

difference to the cost of the policy, as you should remember that the

amount of the excess will have to come from your pocket should a claim

be made. If the claim made is for a sum that is lower than the amount

of the excess on your policy, you would have to pay the whole amount of

the claim from your own pocket.


As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Auto Insurance
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Commercial Auto & Truck Insurance

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Specialty Lines Insurance

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