Farm Insurance

Within the confines of an insurance organisation “Fleet Insurance” is a phrase thrown about all the time, with little or no thought about the origins of the expression. This type of insurance is simply a product, along with all our other products, and we are relied upon to find the best and most suitable policies for our clients. These can range from truck fleets, to van fleets, and car fleets to lorry fleets.

While I was studying my for my A Level exams, I was given a life-long interest in etymology after reading Simeon Potter’s book, ‘Our Language’. I enjoy trying to decipher the origins of words, and have realised that by researching the origins, I have gained a deeper understanding of the word itself. Before researching, I believed a ‘fleet’ referred basically to there being ‘more than one’ of any given thing, and that the word dated back to the times when the empire had fleets of ships at its command.

After thinking about the word for a while, I decided to research it, believing that there must be more of a story to the word than my limited knowledge of history. While using a website entitled Word-Origins, I discovered that ‘fleet’ relates to a Old Indo European word pleu, and means ‘flow, or float’, linking back to the ships. The word also has stong connections through a separate deviation of the plue word, in the German word, fleutan, also referring to ‘floating, swimming’.

If you too are interested in etymology, there is a lot more on the page, and you should take a look and research it for yourself. When we observe our use of the word fleet today, a ‘fleeting glance’, or any other use of the word in this format is the only descendant left of the old language. Fleet Street interestingly has no connections with ships, and is called this due to a relation to the Thames. These variances show that in the 16th century, the word adopted a sense of transience.

So now you know what insurance brokers do to make their lives in the world of fleet insurance more interesting than simply finding the cheapest. We do loads of other insurances too, and I am going to look some of those words up when I get time.

Fleet insurance is available to households or businesses, to get more information, visit Coversure. They are a reputable independent broker who can secure you a grea deal on you fleet insurance.

I have eight Vauxhall Corsa vans insured under one fleet policy for my electrical contracting business. I began the business three years ago, and have been with my broker for the entire time. Five months ago, business began to boom, and I therefore made a decision to hire two electricians on a freelance basis. I also needed to buy them two new vans, meaning I had eight in total, and therefore now had eight in total on my fleet insurance policy.

About two months ago business started to slow and reluctantly I couldn’t afford to keep on my two new freelancers, so I had to reduce their work. This left me stranded with two vehicles that I didn’t really want to get rid of as I could foresee business picking up again.

The vans were being kept in a friend’s lockup, and so I didn’t want to insure them if they weren’t going to be used. I therefore spoke to my insurance broker about taking the vehicles off the fleet policy, to which he explained about a new continuous insurance enforcement law, which has been put into place to attempt to control the rising numbers of uninsured drivers.

My broker told me that I would be committing an offence by keeping uninsured vehicles and not declaring them as ‘off the road’ or SORN. He told me that the CIE system will check the DVLA database against the Motor Insurance Database (MID) and contact uninsured drivers. Uninsured drivers will face a series of penalties unless they buy insurance. Any owner that gets caught, will face a fixed penalty of 100, and could face court prosecution and a fine of up to 1,000. In addition the vehicle could be clamped, seized and destroyed.

After my broker gave me this advice, I made the decision to keep my vans insured as a fine and prosecution would end up costing me a lot more. The advice I was given by my broker was very useful, and information, and saved me from unintentionally breaking the law.

I would advise all businesses to speak to a local broker, the advice you get can be invaluable and they also work hard to ensure you have the most competitive price. Don’t get caught out by insurance seek advice from a professional.

If you want to get some fleet insurance for your household or your business, then you should contact coversure. They are an independent insurance broker with a great reputation and so they can get you the best deal around. van insurance

Fleet managers are being charged with arranging the insurance for their trucks and cars as fleet insurance premiums continue to rise. They have been discussing how they can keep their fleet insurance premium rises to a minimum with Fleet Insurance brokers.

According to one fleet insurance broker, the best way to ensure cheap premiums is to manage the risk that your fleet poses to underwriters as efficiently as possible and to do all you can to minimise the chances of presenting fleet insurance claims that fall into the category insurers call “fault” claims, even though to you and me, it isn’t our fault at all!

If your vehicles are damaged by uninsured drivers, weather, vandalism or road debris, you will be forced to make a “fault” claim, which will increase your premium when you come to renew your policy the next year. If the offending party is not an insured and identifiable third party, then a claim will count against you on your renewal.

Timothy Darling, a well-respected Fleet Insurance broker based in Essex said, in reply to the question ‘What can you do to avoid such expense?’ “Many of the “fault” claims made under fleet insurance policies are unavoidable, but others can easily be avoided with a little common sense.”

“You wouldn’t necessarily want to walk under a ladder when the chap at the top was holding a large pot of paint” said Timothy “and the same kind of approach will pay off when you try to reduce your fleet insurance costs. Take one of our most often reported claims for example. In the fleet insurance world we call it “hit whilst parked” and, not surprisingly, it involves vehicles left unattended by fleet drivers and found damaged on their return. Obviously this type of damage can happen anywhere, but it is more likely to happen if the vehicle is parked without any consideration being given to the possibility of an insurance claim.

“It may be legal to park close to the corner of a main road but, if a large vehicle needs to turn into that nearby factory, could it do so without hitting your truck? Even in a designated truck and lorry park there are some places that are a better bet if you want to avoid damage to your vehicle and the subsequent hike in your fleet insurance premiums. My advice is to try not to park too close to other vehicles which reduces the risk of damage by opening doors, and to choose a well lit spot where other drivers can see your car which will also have the effect of deterring vandals.

“I know it may sound a little ridiculous but you need to take the same sort of care in parking your car as you would when placing a valued ornament around your home and if you do, you will minimise the risk of damage and help to keep your fleet insurance costs low”.

What can you do to avoid such expense? e is parked without any consideration being given to the possibility of an insurance claim. What can you do to avoid such expense? fleet insurance

As an insurance guy, I’m interested in any way to bring insurance prices down. I usually deal with fleet, truck and commercial vehicle business, and I recently attended an exhibition focussing on ‘eco-friendly’ transport to see if there was any way I could derive from this some new, cheaper prices. Although the exhibition, which was held at Earls Court, wasn’t full with people, some of the stands were interesting and contained ideas that would interest fleet and commercial vehicle and truck operators.

One of the stands was exhibiting a “black box” for vehicles. The idea was that you installed this gadget, and it would help you in cases where the value of a claim was in doubt. The representative on the stand told me that evidence from such boxes is admissible in court.

In the case he recounted to me, a truck driver has been in a collision with a car. The owner of the car, and all the passengers (more than the lorry driver remembered being in the car!) were claiming for whiplash. The truck driver claimed that it was only a minor bump, and was surprised that the driver and passengers were making such claims.

The box was able to prove to the court that the velocity with which the truck hit the car was not sufficient to have caused the injuries that were being claimed by the passengers, and this ruling saved the insurance company a lot of money.

I am unaware whether the case study is true, but the general theory appears to work. Insurance companies will be able to save a lot of money using this technology. You may think this unimportant, because the companies have plenty of money, but if cost of claims goes down, so do premiums, while at the moment, insurance frauds are costing everyone money.

This was a really interesting conversation and made the exhibition well worth attending. There were other good stands too, and I will write about these in future notes. I was impressed with the idea that we would be able to reduce the cost of fleet insurance, commercial vehicle insurance and truck insurance by keeping claims to a minimum.

Working in the insurance business, I am always looking for new ways to gain cheaper quotes for my clients. Insurance companies will be able to save a lot of money using this technology. truck insurance As an insurance guy, I’m interested in any way to bring insurance prices down.

Before I spoke to my local insurance broker, I had never heard of a mini fleet policy, I thought they only came in the ‘fleet’ variety and that they were for big companies with plenty of vehicles. So my health and safety inspectors could get to inspections and meetings, the company owned four cars, but I never thought of using a fleet policy to save money.

After recently using a new broker to renew my employer’s liability, public liability and professional indemnity, I was informed I was able to apply for an annual insurance assessment from my broker. Me and my broker had a meeting, the aim of which was to ensure I was paying the correct amount, and I was fully covered.

In the meeting, which was six months after the renewal of my liability policies, I hoped the insurance broker would be able to spot opportunities where I could save money.

Luckily for me all my team were all in the office that day for our weekly progress meeting. My insurance broker had to walk past my four company cars that were outside and marked up with our company livery. As I welcomed my broker in to our office, he took my hand and asked “Are all those cars outside owned by the company?” to which I replied “Yes”. He asked if I had any more and I told him I only had four cars outside. He said he assumed I had a fleet policy which surprised me somewhat. I had insured each vehicle separately. Upon finding this out, my broker said, with big smile on his face, “I am glad I came – I can save you money straight away”.

During the meeting the broker informed me that using a fleet policy, by combining all the individual car insurance policies, I would be able to save money on insurance premiums. He told me that a fleet of 3 or more vehicles is the definition of a mini-fleet.

I am very glad that I had my meeting with my insurance broker and now I regularly ring him to check that I am not paying more than I have to. I couldn’t believe that no one had taken the time out to advise me of this before. This just shows that you are not always better off searching for the cheapest insurance deal around. Sometimes invaluable advice from a local insurance broker can save you more money.

Your business grew to the point where the number of vehicles you have was considered to be a fleet for insurance purposes. fleet insurance policy Also either ask the friend to turn a light on in the evening, or set a timer to do this for you. My broker said he would come to my office to speak to me about all my insurance requirements.

Congratulations! Your business grew to the point where the number of vehicles you have was considered to be a fleet for insurance purposes. Your broker negotiated a fleet rate for you. Your vehicles no longer have “no claims bonus”, but your renewal is tailored for you based on your claims experience in the last year.

Are you going to shop around for your renewal? Are you excited about it? Are you expecting an increase in your renewal?

If you are not going to shop around it will be because it’s hard work. You’ll probably find that your broker won’t shop around on your behalf, because it’s hard work for them too. However it’s a good idea to shop around because it is quite likely that you will be able to make savings.

It really is hard work though and you need to plan. Plan well in advance. Allow at least six weeks before your renewal is due and tell your broker that you need competitive quotes. If he won’t get competitive quotes, go to another broker and get competitive quotes for yourself.

You need to do more than just give yourself six weeks though. Most insurers will need to know the details of your last three years’ claims. Make sure you know the amounts of each claim, and which event each amount is related to. If you were involved in a driving accident which wasn’t your fault, the insurers will need to know about the third party paying. You are entitled to and should gain this information from your existing insurer, who are legally obliged to give it to you.

You will need all the details of all your vehicles if you are using an alternative broker. These details include the make, model and where the vehicle is stored overnight. The drivers will all also have to give their details, including age, gender, driving licence details and driving related convictions. Gathering these details will not be a wasted effort because you will need this information for your broker.

When using fleet insurance, your administration is simplified, and although it can be difficult to get the best deal at renewal, it can be very convenient.

After taking out a policy for my three vehicles, I got a discounted RAC breakdown cover price. It meant one policy for all the cars. Fleet Insurance fleet insurance When we moved to the countryside our house was at the top of a hill that was impossible to drive up in the snow.

I have four cars which I have acquired over the years. I used to insure them separately, but I have now spoken to an insurance broker who has informed me that I am able to insure them using a fleet policy, meaning all the cars are under one policy. This means I am now able to renew them at once, saving time, and meaning there is only one annual premium charge, which is much cheaper than using separate policies for each car.

My first car was a small car to perform daily tasks in. I bought it after having to ride a bike to work, and was so pleased. If someone had told me then that I would have four cars in the future, I wouldn’t have believed you, but I soon bought my second. After moving to the countryside, and buying a house at the top of a hill, it became increasingly obvious that my small car was not able to cope with snow.

As a result of frustration at being snowed in I bought a four-wheel drive. Although this is a brilliant car, I couldn’t sell my old one, and still use it for small tasks such as trips to the supermarket. However, I began to realise that the search for two cheap insurance policies was too time consuming.

I soon had to buy a van for work, to accompany my small car and the four-wheel drive. I initially thought that fleet insurance only catered for companies with hundreds of vehicles, but after consulting an insurance broker, I was informed that not only could I take out a policy with just three vehicles, but also that different types of vehicles such as cars, vans and trucks can be insured on the same policy. After taking out a policy for my three vehicles, I got a discounted RAC breakdown cover price.

I was shocked to learn that I could also add my wife’s car to my fleet insurance policy. I have saved so much time by using one policy as opposed to four separate ones. If your household has three or more cars and fewer drivers, you should speak to a good insurance broker who will be able to sign you to a fleet insurance policy, saving you time and money.

Caravan Insurance fleet insurance When we moved to the countryside our house was at the top of a hill that was impossible to drive up in the snow. To make savings you need to plan well in advance before you shop around. Your business grew to the point where the number of vehicles you have was considered to be a fleet for insurance purposes.