Category Archives: Insurance

A Quick Guide to Private Hire Insurance

If you drive a private hire vehicle, you will know what responsibilities come with this. Therefore, it could be viewed that there is a substantial amount of risk involved for both the driver and passengers. Any service that caters directly for members of the general public brings with it a huge amount of possibilities for unexpected incidents to happen.

For this reason, it makes sense to have a very good private hire insurance policy in place to protect you against any unforeseen problems, so your business is not affected.

It is a common misconception that drivers of private hire vehicles have simply set up their car and joined a taxi firm. However, this could not be further from the truth as having an appropriate private hire insurance policy in place plays a huge part in setting up a professional private hire business. With the compensation culture that seems to be taking a grip of the modern world, ensuring you are suitably protected with good insurance cover has never been so important.

A private hire insurance policy could offer protection for drivers from any issues that might threaten their livelihood. This is crucial, especially for self-employed drivers, so that they are able to stay on the road, earn their money and pay all the important bills we face.

You could view private hire insurance as a very important and sensible investment that could prevent you from having to spend large sums of money in the future if something drastic happened. Imagine your vehicle being stolen, damaged or being in an accident and you not having insurance in place; it does not bare thinking about.

In tough financial times, people are risking breaking the law and driving without insurance to save some money. However, there are some fantastic deals on the market if people are willing to shop around for the best deals that meet their needs.

Simply entering your details into an insurance search engine can provide you with numerous quotes from specialist private hire insurers. This will allow you to find a policy that covers you for your own specific requirements, which can work out much cheaper than purchasing a policy that might offer cover for things that do not affect you.

It makes sense to protect yourself with private hire insurance and this can be done quickly and cheaply if you are willing to shop around.

You can find more here about private hire insurance at http://www.multiquotetaxiinsurance.co.uk/private-hire-insurance.

Car Insurance discounts for Police Officers

Many people in insurance understand that giving a Police Officer a discount for their car insurance is a sound decision. But why? Well, for a start, most police officers have some sort of driving accreditation. But most insurers will only give a car insurance discount for Police Officers who are level 1 accredited. There are some specialist providers such as Key Worker Insure.com who can give a discount for all levels of driving accreditation, from a level 4 (basic) to a level 1. The key is to spend a bit more time searching around and perhaps ask colleagues who may have some idea who to go to.

But what about if you are a Police officer looking for car insurance who hasn’t had any type of driving accreditation? More often than not, if you have some sort of specialist skill or expertise, then this SHOULD make your car insurance cheaper. But again, you have to find providers such as Key Worker Insure who are aware of what your training should mean for your car insurance. Even if you have some adverse claim history, if there is a genuine reason behind this, such as inclement weather, then your car insurance provider should be able to take this into account.

Something to be mindful of, is that if you are insuring a car, and you would like your son or daughter on there, then the discount for your car insurance may not be as high as what you would like. The reason for this is that insurers know that although car insurance should be cheaper for Police Officers due to the lower perceived risk, unless your son or daughter is also in the Police, then when they are driving the vehicle, the insurer is actually at a higher risk than a lower one. Which, when you look at it from the insurer’s point of view, is a fair consideration? Some insurers actually term this as ‘fronting’ which technically is illegal as you are gaining a pecuniary advantage via deception (if your son or daughter is in fact the main user of the car).

You will also find that if you, for example, change your occupation whilst the car insurance Policy is in force, then the insurer should keep your Police discount on the policy, unless you are changing to an occupation which is a far greater risk to insurers (for example, a Publican). Likewise, if you were not a Police Officer when the car insurance started, then once you join the Police your insurer should give you a police officer car insurance discount at renewal. Any switched-on insurer should be able to make enquires to confirm that you are indeed in the Police, and that you are not just pretending to be a Police Officer to get a discount for your car insurance.

Everyone knows that looking for car insurance isn’t enjoyable, but at InsuranceOverAGrand.co.uk we only work with specialist providers who will, for example, make sure that you get a good discount on your car insurance for being a Police Officer!