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Car Insurance

4 key things you need to know about car insurance

When it comes to cheap car insurance companies, there are any number of myths and misconceptions that you’ve likely heard, and so it can be difficult to know what is fact and what is a fallacy.

So, with that in mind, here are 4 things you need to know about car insurance to ensure you are able to get the best deal possible.

1. There are a number of factors that will determine insurance prices

As well as judging the quality of your vehicle, its age, how often you use it and your driving history, there are a number of other factors that will determine how much you pay. These include things such as your age and marital status, the area in which you live, your credit history, and potentially even your gender (although this is not always the case).

2. There are options available if you want to pay less

When it comes to car insurance, you always have the option to pay a little less, although this will often come at the expense of what is covered. However, some companies have schemes in place that will offer discounts to careful drivers, or for those that travel infrequently, so seek these out before making a decision on your insurance.

3. If you drive your personal car for business, you need to purchase the right insurance

It is absolutely worth highlighting that nearly all policies will actively exclude the option to drive a personal car for a business purpose (pizza delivery or messenger service, for example). In fact, some companies will even cancel a policy should it be discovered that a driver is doing this. If you are doing this then there are insurance options available, but you need to be open and honest upfront.

4. Insurance is for the car, not the driver (in most cases)

The general rule of thumb is that insurance is for the vehicle, not for the driver of the vehicle. Therefore, if a friend or family member drives your car and has an accident, generally you will be able to claim on the insurance. However, it is well worth checking this, because rules change from company to company.

To find the best commercial car insurance deal for you, get in touch with us today and we’ll help you compare the offers available.

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Car Insurance

Get the right motor trade insurance cover for your business today

Finding good motor trade insurance coverage is essential if you want to protect yourself, your customers, your employees, and your business – but finding the right deal can be time-consuming. If you want the easy way to compare motor trade insurance deals, make use of a comparison tool today to find a broad range of quotes tailored to you.

Who needs motor trade insurance?

Motor trade insurance is essential for anyone whose business involves driving vehicles. Whether it’s your own business vehicles you drive, customers’ vehicles, or even car sales, motor trade insurance coverage is necessary. It covers you for driving a vehicle in a professional capacity, so can involve all manner of cars, vans, and small trucks.

How do you find the right deal for you?

Naturally, you don’t want to spend too much of your hard-earned cash, but commercial vehicle insurance is a necessity if you want to properly protect your business. If you have an accident in a business vehicle or in a customer’s vehicle and you’re not covered, the costs could ultimately cripple your business – so it’s a worthwhile investment to make.

In the midst of running your business, however, you don’t want to invest more time than necessary getting the coverage you need. That’s why you should take advantage of the benefits that technology can offer and use a comparison tool. A comparison tool will take one application from you and turn it into multiple quotes from a broad range of insurers.

All you need to do is apply stating the kind of coverage you need – information such as the number of drivers you’re looking to cover, what kind of vehicles you will be driving in a commercial capacity, and how much mileage you expect to do. With that, you can get a wide selection of quotes and easily compare them to find the right one for your budget.

Get your business covered today

Motor trade insurance is a non-negotiable investment for any business that owns or operates vehicles in a commercial capacity – but that doesn’t mean you have to spend the earth. Find a fantastic deal by using Compare Insurance today.

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Car Insurance

4 things to remember when shopping for company car insurance

Everyone knows the many benefits of personal car insurance, but a rising number of people do not understand the importance of sourcing company car insurance for their business vehicles and how exactly it works.

Company cars are becoming increasingly more common, with many different companies offering them as a bonus and benefit of working for them. There are many different types of business car coverage so it can be hard to understand just what’s best for you and your company vehicle. Follow these tips to ensure you have the cheapest and best coverage.

1. Figure out what type of insurance you need

Business car insurance typically falls into 3 different varieties, these are:

Business use for one person – This is the best type of insurance for small companies where the only driver will be the company owner. It’s typically used by sale’s people and small business owners.

Business for multiple employees – This is similar to the previous entry but with the added bonus that multiple employees can use the vehicle.

Business travelling insurance – This type of insurance works best for those who frequently travel as a part of their job.

2. Shop around

There are many different insurance providers who all offer similar types of insurance for your company car. To ensure you have the best possible insurance it’s best to shop around and see what several different providers offer. It might also help to have a look on some insurance comparison sites. These sites compare various providers so you don’t have to.

3. Consider the car you’ll be using

The price of company car insurance, just like normal personal car insurance, is highly influenced by the particular type of vehicle being insured. Typically, modern cars are cheaper to insure as they are safer and also easier to repair in case of an accident. There are also further ways to reduce the cost of insurance, including installing: steering wheel locks, tracking devices and immobilisers.

4. Where you park is important

The price can also be influenced by where the vehicle is parked. This is especially important for company cars. If a car can be stored in a covered and locked garage then the average cost of insurance will see a significant decrease.

To ensure you have the cheapest insurance for your company car use Compare Insurance. Check out the site for more information on how to get the best deal for your company car insurance.

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