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Low cost fleet insurance from Active Insurance

A business fleet insurance policy is probably an essential component for firms that operate 4 or more vehicles. Existing fleet operators will usually know what is involved in obtaining a cheap fleet insurance quote but for the new operators it can be daunting. With a bit of research a new fleet operator can obtain the various options available on commercial fleet policies.

With so many companies offering motor fleet insurance policies it can be difficult to assess which one would be the most appropriate for your needs. A good option would be to use a specialist broker that have the knowledge and the market to offer great fleet insurance quotes and also provide assistance in implementing good risk management processes. By utilising the services of a fleet insurance broker you can be assured that they will try to obtain the best possible terms for fleet without compromising the level of cover you may require.

Also you can be assured that all professional insurance brokers are authorised by the Financial Services Authority (FSA). The FSA is an institution that regulates all General Insurance activities within the UK and as of 14th January 2005 all brokers have to be registered with them to transact general insurance business.

The policy wording on a motor fleet insurance can be best described as ‘challenging’ to understand but brokers that deal with fleet insurance enquiries on a regular basis can help translate the policy wordings into meaningful and easily understood language. Also brokers will have access to a whole range of fleet insurance companies, thus saving you time, as they will do the search on your behalf. Each fleet insurer has different criteria as to what a fleet is; for example some insurers will offer terms on a three vehicle fleet whereas others will only offer terms if you own five or more vehicles. Again the fleet broker will be able to advice on the best options available to you.

You have to be aware of a number of key points when you decide on a motor fleet insurance policy;

• Named drivers or any driver policy.
• Drivers aged under 25 will normally have to be named on the policy.
• Previous claims history.
• For existing fleet operators a confirmed claims experience document is normally required.
• Driving training, driver applications.
• Level of cover required on the fleet.

Even if you have an existing fleet insurance customer it still is worth shopping around to see if a cheap quote can be obtained. New fleet insurance companies could be in the market that can lower your premiums. Generally the best option is to go through specialist fleet insurance company that will have access to the whole market and are able to provide competitive quotes.

Active Insurance is an independent insurance broker and is committed to providing quality fleet insurance cover for UK based fleet operators.

Currently the uk insurance Market is saturated with insurers offering a range of property insurance policies ranging from a standard home insurance to complex unoccupied insurance. The temptation is to succumb to the big comparison sites and obtain premiums and terms in the hope that the results will meet your needs. An example of this practise would be a property owner obtaining a standard home insurance for an empty premises under the impression that the unoccupancy clause of 30 or 60 days will cover their property, pending tenants. This clause is designed more for the existing owner occupied policyholder who is merely away on holiday or other temporary reason.
 
Insurers would take a dim view of a property empty at inception of the policy, especially where the property is not furnished sufficiently for normal habitable use. Of the insurance broking fraternity, there are specialist agents who have access to specific policies that cover a variety of risks including bed and breakfast concerns. Cover can also be arranged on a short term basis in some instances but ask for quotations including insurance premium tax (IPT) and any fees. Beware that short term policies do not reflect the annual premiums offered. 

Also, be sure to ask the interest rate if the premium is financed for you by direct debit payments.

Active Insurance is a leading provider of landlords insurance and unoccupied home insurance for UK property owners.

Where you own a house and you know that the property is going to be empty for more than a period of thirty days then you must check your current home insurance policy to see if your home is still covered. Most home insurance companies will not provide cover for houses that are empty for periods of more than thirty days, For this reason you will require the services of a specialist insurance broker or an insurance company that specialise in empty home insurance policies. An empty property insurance policy will ensure that your home has sufficient protection against a myriad of risks whilst your property is unoccupied.

Many different insurance companies provide policies for empty homes but finding the one to suit your requirements can be tricky. Not all the insurers will offer full cover on an empty home insurance policy. Some will omit theft or malicious damage from the cover. Others might not provide cover for say, a water leak within the property from a burst pipe. The important thing to remember is that you may be offered a cheap unoccupied property insurance quote, but does it provide all the cover that you may need. You certainly do not want to find out that you are NOT covered at a claim stage for something that you thought you were insured for.

Brokers and agents that specifically specialise in providing insurance cover for empty homes are probably the best port of call. Not only will they provide you with all the options but also they will provide advice and best methods in securing you unoccupied home from risks such as theft and water leaks. Also get the empty property insurance provider to email or post the full quote details to you so that you can check the terms and conditions thoroughly.

As a property owner you will be aware that having a valuable asset must be insured with the correct insurance cover in place. Try to obtain a few different quotes to assess the market. Again not all empty home insurance prices will be the same as the level of cover provided can differ considerably.

Empty home insurance is absolutely critical if your own a property that is going to be unoccupied for any length of time. To get the best deals on empty property insurance quotes, get online and get a few different quotes.

Many people are under the impression that their home insurance would automatically cover them if they choose to let a room out to a lodger. However, it’s not that simple, as the vast majority of insurers – especially those who advertise their products heavily on-line or in television campaigns – will not cover any property where there is a paying guest unless a landlord insurance policy has been taken out.

Why? Well, the three main concerns. Lack of security (as it is presumed that the paying guest will have a key to the property), the fact that the guest (or their guests) can just walk out with the homeowners belongings and finally, there are liability issues as all insurers include property owners liability as standard. 

Insurers do not like the additional exposure of people within the home other than family members. Similarly, many people whose children have grown up and left the family home are left with a home that they can easily utilise as a bed and breakfast concern. The very same issues crop up plus guests own belongings are not covered either.
 
In both these instances there is a requirement to have in place a suitable policy. In the case of a lodger or bed-sits (where the tenant will sign some sort of tenancy agreement), a Landlords Insurance policy is most accommodating, but beware that whilst insurers offer Loss of Rent cover following a claim, few also offer Alternative Accommodation cover – this covers the cost of the family having to rent or stay in a hotel following an insured peril (say, fire) whilst the remedial work is carried out.  This is a crucial part of any house insurance policy.

In the case of those who operate a bed and breakfast business, there are policies tailored for this very risk. Bed and Breakfast insurance policies will cater for the owner’s buildings, contents, the liabilities, and guest’s effects.

In both cases, however, it is worth pointing out that the landlord or the property owner must adhere to the law in respect of wiring, gas, smoke alarms etc and have the relevant certificates in place for the policy to function properly.

Active Insurance has been providing landlord insurance for let, buy-to-let property and bed & breakfast since 1993.

If you are an owner of property that is currently empty you will realise that most conventional household insurance will not offer unoccupied property insurance. So what can you do to get a cheap empty house insurance for you vacant building?

Best Tips on Unoccupied Property Insurance

As an owner of an empty property you will want to ensure that it is protected against risks such as fire, storm damage, vandalism, theft and acts of god. There are certain things you can do to minimise some risks to protect your vacant property:

• If the property does not have deadbolts and window locks fitted, try to get these security measures in place. Most insurers will usually insist on these before offering empty home insurance.
• A working burglar alarm system is a great deterrent for would be thieves. Having an alarm system with infra-red sensors and glass breakage detectors are easy to install without having to cost a lot of money.
• Probably the best security measure is giving your empty property the ‘lived-in’ look. Installing light timers, having curtains, perhaps getting your neighbour to park their car on your drive on occasions.  Also remove the mail on a regular basis.
• Also if you can visit the property on a daily basis or have the neighbour to check it on a regular basis will help in getting a better deal on your empty house insurance policy.

Tips on Cheap Unoccupied Property Insurance

I think you can assume that the cost of unoccupied property insurance will usually be higher than that of a standard home insurance. However you can reduce the cost of your vacant property insurance by:

• Increasing the standard policy excess.
• Taking out the basic cover of fire, lightening, earthquake, explosion and aircraft (and objects dropped from an aircraft)
• Comparing prices online with at least 3 different unoccupied property insurance companies. Rates can vary considerably from one insurer to the next.

Active for low cost unoccupied property insurance quote. Active Insurance has been providing empty house insurance policies for landlords and property owners for over 16 years.

With no signs of the financial crisis subsiding or the property market picking up, home sellers are finding it difficult to sell their property and in some cases having trouble even letting it out.  This leaves the property unoccupied and in many cases their current insurers are unable to provide buildings insurance cover in these circumstances.

Empty House Insurance

In this scenario most standard home insurance policies will not provide cover for properties that are vacant or unoccupied for more than usually thirty days.  The property being one of your biggest assets, you can not afford the risk of your property being uninsured.  However there are specialist insurance companies that offer unoccupied property insurance under these instances. 

Properties become vacant for many reasons, some of these could include; property is to be sold, property has recently been purchased and is under renovation before the owner moves in.  Other examples include; the property could possibly be the subject of a will or a probate process, you could be buy to let landlord and are finding it difficult to rent the property in the current market.

When a property has been left unoccupied over a long period of time, maintenance issues often occur.  Many people are not aware of the correct temperature to leave the property in, which may cause pipes to burst due to freezing causing considerable a considerable damage to your property; rotting floor boards, damp walls, ruining carpets and furniture. Another cause of damage is caused by the lack of maintenance on the property roof where a tile may have become dislodged and as a result creating a water leak into the vacant property.

To minimise maintenance risks to your unoccupied property it is advisable that the property is visited at the minimum on a weekly rota. This can be either yourself, a neighbour or you can authorise your estate or letting agent to carry out the checks. There may be a charge levied by the letting or estate agent for this service. During the summer seasons you could drain the central heating and water systems and for the colder seasons setting the thermostats at a low temperature to avoid the pipes from freezing which could result in burst pipes and may hundreds if not thousands of pounds worth of damage and inconvenience to say the least.

Securing an unoccupied house is crucial. There are measures that you can implement to limit or avoid your property being vandalised or from squatters taking over. By investing in good standard locks for all external doors and accessible windows is paramount in securing your buildings. Most insurers that offer unoccupied buildings insurance cover will usually insist on a minimum of 5 lever mortise locks to be fitted on all external doors and that all accessible windows to have locks. Another prevention option is to have some form of an alarm system in place if budget allows it.
 
If there is any post, ensure that this is removed on a regular basis otherwise this can alert an opportunist burglar that the property is empty and has not been visited for some time. Making the property seem like if there is someone living there will also deter any unwanted attention. You could place some curtains and have some lights going on and off using a timer switch. If you are on friendly terms with your neighbours, then perhaps you could ask them to park their vehicle on the driveway of your unoccupied property.

The most important thing is that the property must have adequate insurance cover in place. By utilising the services of a specialist broker that specialise in unoccupied home insurance you will be in good hand. Most standard home insurance companies do not provide cover for empty houses but an experienced vacant house insurance broker should be able to provide cover for your premises against most risks.

If you own a property that is currently empty and no one has lived at the premises for thirty or more days then you will most likely require an unoccupied property insurance as most home insurance providers do provide cover for premises that have been vacant for 30 or more days. Always check with your current house insurance company to see if they still will provide cover as some insurers offer full cover for up to 90 days on unoccupied properties.

Due to the nature of this type of risk the insurers level of cover, terms and conditions will vary considerably on a vacant property insurance as opposed to that of a standard home insurance policy. The risk of theft, malicious damage and vandalism increases considerably on properties that are empty. Also if the property catches fire or there is an internal water leak, this may not be picked up by the property owner for some time and as such can result in thousands of pounds worth of damage.

The level of cover available on unoccupied property varies from insurer to insurer but in general most specialist empty house insurance brokers will provide the minimum cover of what is commonly known as the ‘FLEEA’ cover. The ‘FLEEA’ cover provides protection for an unoccupied property for the following perils, Fire, Lightening, Earth, Explosion and Aircraft, hence the acronym FLEEA.

Some vacant buildings insurance companies will also provide full perils including cover for theft, malicious damage, escape of water, flood, subsidence and property owners’ liability. Usually the excess on the policy tends to be higher than that of a standard home insurance policy.

Most property owners will not want to part with any money on a property that’s vacant. However it is still an asset that should not be left unprotected. By going online and shopping around for unoccupied property insurance quotes you still should be able to find a deal that will provide adequate cover for your empty building. Also if the property has a mortgage then the mortgage provider will insist on some form of insurance cover to protect their interest.

Active Insurance offering advice and quotations for unoccupied property insurance for landlords throughout Great Britain

For self employed tradesmen such as electricians they should ideally have at least the minimum of electricians insurance covering public liability. Insurers and brokers offering this type of insurance policy place this in the tradesman insurance category. Should a third party claim arise for injury or property damage due to your negligence then without an electricians insurance policy your business could face financial ruin. Most people assume that the cost of public liability insurance for electrical contractors will cost amounting to a small mortgage. The reality is this type of insurance can easily be purchased online for a surprisingly small amount.

As part of an electrician insurance policy many additional options are available to provide extra levels of cover. For example as part of your job you will have tools and possibly a van. Specialist tools can cost a lot of money to replace. Tools cover is available as an add-on to the electrician liability insurance for small additional premium. Another important add-on to the policy is the legal expenses cover. If there was a claim against you the legal expenses policy will take care of defending the case. This can potentially cost many thousands of pounds but with a legal expenses policy you do not have to worry about this.

If your electrical contracting business employs staff then you will definitely also require Employers Liability Insurance to protect you against claims for personal injury from your employees. Again most online electricians insurance quote engines offer this as an additional component to the standard public liability cover.

Active Insurance has been providing low cost cover for electricians insurance for over 16 years, with instant online quotes compared from multiple insurers.

The landlord insurance package is sometimes misconstrued by many as being the same as homeowner insurance. I guess your misunderstanding is purported by virtue of the near similarity in the meanings of “landlord” and “homeowner”. So which package do you go for if you do not know exactly the one you own? Anyway, you are welcome to enjoy reading this material as you would be glad to know the distinction shortly.

I always want to keep things simple and would like us to tackle this topic as such;

First of all, I put the question to you this way: Do you own where you live? If your answer is yes then what you need to cover this property is a Homeowner Insurance cover. On the other hand if you have leased your home to others or rented it out to tenants then you would need a Landlord Insurance cover. The difference is simple and straight forward.

Having clarified that, the other question I would like to share with you has got to do with who is going to be more committed in taking care of the house between the tenant and you? Obviously, you will take care of your house more than the tenant who can vacate at the least provocation. This, the insurer is well aware. This means in the event that there is damage to the house as a result of the activities of the tenants then you stand a good chance of making a claim. This is usually considered a malicious damage.  For instance if by accident a tenant causes fire to gust your house you have the legal right to forward a claim.

Contrarily to the above, it is simply not the case with the homeowner insurance. What this simply means is that if through your own negligence or mistake cause damage to your house you have no rights whatsoever to call for a claim. It would surprise you however to note that by the extent of the damage you risk being charged with criminal offense should you make a claim.

Considering the above it is prudent to identify certain measures landlords can adopt in order to protect their investment by having a landlord insurance policy.

Ideally, you must make a concerted effort to study who you rent the house to. It is also a normal practice of insurance companies as they consider the nature of the tenants who do occupy the house. Common sense and simple psychology should inform you of the kind of person you accept as a tenant. If the need be, do not hesitate to do further checks by engaging a professional to undertake such character examination for you. This means you need a well behaved and a disciplined person to ensure the safety of your property

One way of getting the best of landlord insurance quote also is to compare several companies. Kudos to the internet a bulk of them is available and easily accessible.
This will help you to get good quote as well as know what other landlord insurance covers are available. However few companies offer the full comprehensive policy to cover the various policies a landlord might demand.

Since a chunk of these companies are online provider are able to offer you a complete control of your account thus giving you the chance to make adjustments when needed. With your personal and secured log in details, you own the key to your account and can even print out as and when you need it.

The commonness of taxis in the system has resulted in many taxi insurance companies offering cheep services. To get such companies and even insurance brokers who act as agents of insurance companies is only a click away. The internet has a stock of countless companies where one can easily receive quotes. Additionally, there are some who are standing by to provide instant quotes on the phone whiles others provide a call back services to respond to prospective customers.

This is prepared to help you continently enjoy taxi insurance thorough the above mediums. To help facilitate this process one must have a prior knowledge of what is expected of him. This includes details of the vehicle. By this, one would have to know the model, year of manufacture, the engine number etc. The existing local authority driving license and certificates are also vital documents one would have to have at his disposal. If the taxi is well over three years, MOT certificate would be demanded.

Of course what the vehicle is intended to be used for would also be in the know. Where the car is kept as well as the history of convictions of the driver in question would also be an important answer to know.

Can you imagine the frustration you would put yourself in having to be on the line and try to cross check and organize these records while being on the phone with an insurance official? This is why even before you make an attempt to call; you would have to have answers to the questions raised above. You do not only save time and money but also save the other party from the any inconveniency.

Generally, people of young ages are considered highly riskier than those older. For instance a person under 21is considered more risky than someone in the 40’s. Some insurance companies may even object to offer services to such people as they may require the person to be over 25 years.

If someone has not made a claim for quite a period of time there is usually a huge benefit of a discount. Some insurance companies may even forward the discount on their vehicles to cover their taxis. This is usually done in consideration to the number of years a person has been driving compared to the claims records. This obviously would keep the premiums on their taxis if there be very low.

In addition to the above, some insurance companies may require the full disclosure of the claims made over the past two years usually. Again, others require of you to inform to prove to them if your UK driving license is a valid one.

To be better served, one would have to adequately provide this information even though they appear lengthy so as to make the insurance company offer a favorable and competitive quote.

One very important issue insurance companies usually have to grapple with is the issue of providing misleading information. It becomes a serious impediment when the need to make claim arises. Usually these false details are given with the pretext of getting them cheap taxi insurance quotes forgetting in times of claims these flaws are usually identified. Taxis as any vehicle demand the coverage of the appropriate insurance in order to bring back some relief in times of need.

In as much as taxi insurance companies are readily available to provide services, providing the right info would assist appropriate quote and result in smooth claim process.