If you work in the motor trade industry you will understand that it is crucially important to have all the relevant insurance for protection if anything was to go wrong. Not matter what type of motor trade work you are involved in there are specialist insurance brokers who specialise in offering motor trade insurance for whatever type of vehicles your business deals with.Anyone who is buying, selling or working with cars overall should have some...more
Motor trade insurance is great for anyone who is involved within the motor vehicle industry and needs to drive a number of different cars for their business or job. Having a motor trade insurance policy ensures that you should be legally covered to drive any vehicle on the public roads of the United Kingdom. However there are a number of important factors that should be considered for your motor trade insurance.Some brokers do not provide a clear...more
There are a number of options available when selecting your minibus insurance policy that will affect both the insurance premiums you will have to pay and the amount of liability cover you will receive. The cheapest option is a simple third party minibus insurance policy. Whilst this type of policy can be very tempting due to the cheaper premiums it offers there are a number of risks that should be considered. Whilst any third party drivers involved in a potential accident will be covered, if you are liable for the accident then you will not receive any compensation for damage to your vehicle. A simple third party minibus insurance policy will also fail to cover you for the theft of your vehicle in case of it being stolen. If you find your vehicle has been taken without your permission your best hopes is that it is found by the police without damage as you would not receive any compensation in the case of it not being found nor if it was set on fire. Whilst this insurance will allow you to legally drive it does not provide you with much protection.The middle ground option is a third party fire and theft minibus insurance policy. This type of policy is slightly more expensive...more
Suitable insurance is mandatory in the UK with all drivers requiring their car to be insured to cover potential damages. It is no different for private hire taxi drivers, however as a vehicle that operates on a hire or reward basis you will need to have a specialised private hire insurance policy. Whilst the majority of insurance brokers will offer...more
Minibus Insurance can be defined as a specialised insurance that ensures you are legally covered for transportation of people in a vehicle that holds usually between nine and sixteen passengers. Minibuses are important vehicles that are key to the operations of many small businesses and organisations, so it is important that you have the correct...more
There are a number of important differences between private hire vehicles and taxis and this affects the type of insurance policy that is required. Unlike taxis private hire cars are not legally permitted to take public fares, as they have to be pre-booked due to the licence that they own and the relevant insurance cover they have.Many people within the UK turn to private hire taxi driving as a way to boost their income, however there are a number of laws and regulations that must be met. If you are not correctly licenced as a public taxi but have a licence for private hire then you can only pick up prearranged fares that have been booked through the operating agency. If a private hire car picks up a fare that has not been pre booked then they risk receiving penalty points on their licence, a driving ban or even a jail sentence. However these legal requirements for public hire taxi are only in place to protect the public.A private hire taxi driver is still required to pass a number of local authority tests and meet criminal records checks before being licenced. All private hire cars journeys are recorded and logged, and every private hire driver is required to wear all relevant...more
It can often be difficult to try and lower your motor trade insurance policy but there are a number of areas that you can look to change to try and drive down the cost of your premiums. It is however important to understand the level of cover your...more
If you operate a minibus for any reason you are required by law to have a specialised minibus insurance policy. Minibus insurance covers all forms of minibuses that carry anywhere between nine and sixteen passengers for any purpose. Its...more
Minibus Insurance is a legal requirement for anyone who operates a vehicle that carries between nine and sixteen passengers. Like most, minibus drivers can experience high premiums just ensure that they can keep the bus on the road and effectively...more
When you are running a private hire taxi company it is important that you have adequate insurance in place. It is not only a legal requirement and a licence requirement but is very important to the type of business a private hire taxi company...more
Vehicle insurance is a requirement by law within the United Kingdom. More specialised insurance policies are required however depending on the use of the vehicle. A form of taxi insurance is required if you intend to transport passengers on a hire or...more
Ever had a fender bender and decided not file it? It's understandable, a lot of people don't want their insurance premiums to rise. As a personal injury lawyer I see this quite a bit. Many people would rather just pay for the damages out of pocket...more