Category Archives: Insurance

Convicted Driver Insurance FAQ

What are the most common driving convictions?

By far the most common driving conviction in the UK is for speeding. This is true for both men and women.

After this common convictions include driving without insurance, being distracted by using a mobile phone and drink driving.

Why do convictions affect the price of car insurance?

The reason that convictions affect the cost of car insurance is because insurance providers perceive drivers with convictions to be greater risk. When calculating the cost of an insurance policy, providers will take many factors into account to determine how likely it is that a person will make a claim on their policy.

What other things affect price?

Some other important factors that affect the cost of car insurance are –

  • Age – Age is one of the biggest factors that affects the cost of car insurance. It’s well-known that younger people pay considerably more for car insurance than those over 30. This can seem unfair but it’s simply based on the fact that statistically younger drivers are more likely to be involved in collisions.
  • Driving experience – It’s not surprising that newly qualified drivers are more likely to be involved in accidents that people with experience. Therefore the amount of driving experience you have will certainly determine how much your cover costs.
  • Value of vehicle – The value of the vehicle you want to insure is a huge factor and for good reason. If you car needs to be replaced, either because it’s written off or stolen, then your insurer will need to pay out. This being the case, the more your car is worth, the more you can expect to pay.
  • Where the vehicle is parked – Where your car is parked when you’re not using it another factor that affects cost. People who are able to keep their car parked in a secure garage for example, will pay considerably less than those who park their car on a public street.

Where can I get convicted drivers insurance?

Websites such as http://www.convictioninsure.co.uk/convicted-driver-car-insurance enable you to get quotes from specialist providers of convicted drivers insurance very easily.

What are some ways to save money on convicted drivers insurance?

A couple of good ways to save money on convicted drivers insurance are –

  • Get a third party only policy – A third party only policy will provide you with enough cover to drive your vehicle legally and also works out considerably cheaper than a comprehensive policy.
  • Pay upfront – Although insurance providers might consider you greater risk if you have a conviction, most should still offer you a good discount if you pay on an annual basis rather than monthly.

 

A Guide to Minibus Insurance

People who own minibuses often use them for their job, as in the case of taxi drivers. However there are many people who own a minibus simply because of the extra room such a vehicle gives them.

If you do own a pleasure use minibus then you’ll need to get the right type of insurance for it. Below is a guide to minibus insurance, including the types of cover you can get and ways to keep costs to a minimum.

Types of cover

  • Road risks – Road risks is the basic type of cover you need when insuring any vehicle. You can choose what level of cover you want to get depending on your budget and how much protection you think you need. A third party only policy is the cheapest option but it will not provide any real protection for your own vehicle; rather simply allow you to drive legally. A comprehensive policy is your best option if you want full protection.
  • Windscreen repair – Windscreen and glass repair is a very useful type of cover that’ll you certainly be thankful for if the time comes that you need it.
  • Breakdown assistance – Breakdown assistance is always important to have when you own a minibus. You may already have breakdown assistance from another company but it’s a good idea to see how much extra it would be to have it included in your policy since you might be able to save money.

Saving money

  • Shop around – Getting quotes from many different providers is one of the best ways to save money on minibus insurance. Sites such as Insure Minibus make the process of getting quotes incredibly quick and simple.
  • Make your vehicle secure – Making your minibus as secure as possible is a great way to save money on insurance. In addition to installing a tracking device and immobiliser, you should also make sure to park your minibus safely when it’s not being used.
  • Pay annually – If you can afford to pay for your insurance annually rather than monthly then you’ll be able to make a decent saving on the overall cost.

Working as a Freelance Recovery Truck Driver

If you’ve ever considered working as a freelance recovery truck driver then you might have talked yourself out of it because you think the challenges will too great – whether it’s the initial investment required or being able to find enough clients.

Working as a freelancer comes with a lot of challenges but most freelancers find it to be worth it for the freedom it brings.

Below is a guide to becoming a freelance recovery truck driver.

What you’ll need

  • A truck – Of course the most fundamental thing you’ll need to work as a freelance recovery truck driver is a truck. When it comes to buying a recovery truck, there are a few key things you need to decide. One of the most important things is the size of truck you’re going to buy. Recovery trucks vary a lot – some are capable of transporting multiple vehicles while other are designed for just one car. A bigger truck will mean you can transport more vehicles at one time but it will also cost more and be harder to drive. It’s often a good idea to start with a smaller truck so you can get used to it and see if you can make your venture a success before moving onto a larger vehicle.
  • Clients – The most vital part of being successful as a recovery truck driver is the ability to find and maintain a client base. Many people find this to be the most challenging part of working as a freelancer. 
  • Insurance – You’ll also need to get recovery truck insurance to cover you for the biggest risks that come with the job, such as road risks, liability claims and breakdowns.

Saving money on recovery truck insurance

  • Get multiple quotes – One of the best ways to save money on recovery truck insurance is to get quotes from different providers. This will ensure that you don’t overspend on cover you could have gotten cheaper elsewhere.
  • Get a limited mileage policy – If you only use your recovery truck at certain hours or at certain times of the year then you could save a considerable amount of money by getting a limited mileage policy.