Archive for April 17, 2012

Lorry Insurance Considerations

Lorry Insurance ConsiderationsA Lorry Insurance policy is a bit of an umbrella title for what is essential a complete taylor made package comprising many different elements. Depending on the type of transport business you run not all elements will apply to you.  Most insurance companies are fantastic at helping each individual get the best policy to meet their needs.  However there are exceptions to the rule so shopping around or using a third party to hunt out the best quote for you maybe the best solution.  At the end of the day you need to understand what you are being quoted for and whether it truly covers the risks of the business.

It is common practise to get more than one quote, allowing you to see if you are getting the best for your money, therefore you need to understand your policy to see whether you are getting a great deal.  One quote that comes out substantially lower than others suggests the company have misunderstood your needs or are not offering such a comprehensive cover – so check thoroughly before any commitment is made.

All insurance companies that offer truck insurance are going to be unwritten and regulated, and whether you purchase your insurance directly from one of these companies or through a broker, you still have the standard financial products cooling off period should you feel you have made a bad decision.

The cooling off period gives you 14 days to change you mind.  This period allows for things like full documentation not being available there and then.  If you receive your policy documents 5 days after you arranged the insurance you still have time to correct any issues – and should the need arise cancel the policy and start again.

Check through the documentation and make sure you have appropriate cover for all elements of the business.  Are you convinced you have fully protected the value of the goods you transport.  Can you see that part of the cover in the policy details.  Never worry about getting back to the broker or the insurance company and getting them to clarify things and tell you where to find the written information.

If premiums seem high there are a couple of tricks to bring them down a little – you can offer a higher policy excess for example.  Just make sure you really can afford to pay it, should the worst happen and you need to claim.  Have you remembered to include your no claims discount as this too can impact positively on lowering premiums.

If you find that you have ended up with a policy that doesn’t meet your needs, and are not happy with any changes proposed by the insurance company then exercise the right to cancel under the cooling off period.  To comply with this you must inform them in writing, By all means inform them by telephone, and provided you can prove that the letter to cancel was posted during the 14 day period they must accept it no matter when they actually receive it.

Find help to Sell Property Quickly

It’s reassuring to know that there are professional property buying companies online who have helped thousands of home owners across the UK sell property quickly. They understand that some home owners may need to sell their property in a hurry so have built up a reputation in delivering a swift and efficient service by paying close attention to their clients’ requirements. They can generate sufficient and reasonable cash amounts for various types of properties for instance:-

  • Private homes
  • Flats
  • Apartments
  • Studios
  • Ex council premises

It doesn’t matter what condition your property is in, where it is located or the size, established property buying firms have investors just waiting to buy it at a reasonable price.

No middle men

Rest assured dedicated specialists have plenty of knowledge regarding the legal side of how to sell property quickly to avoid the drama of a long drawn-out sale which won’t be beneficial to you or the buyer. The sale of your house will be discussed with you in detail so you fully understand the process before making a commitment. You’ll be offered a free no-obligation service so at any time if you feel the solution is not for you, you have the right to change your mind. Property owners can expect:-

  • no middle men to pay
  • no estate agent commission to pay
  • heavily subsidised solicitor’s fees which in most cases is covered
  • the sale of your property completed within 28 days

Quick house sale

Over the last few years due to falling house prices and economic crises, many people have found it hard to keep up with their mortgage payments and other debts. If a property owner struggles to sell their property through an estate agent which could take many months, they could find themselves with further debt problems such as personal loans, credit cards and utility bills. Thankfully there’s an alternative option which is to contact experts today to see if they can convert your home into cash. This type of service is provided by established companies online and is becoming very popular throughout the UK because there are no hidden expenses or unforeseen overheads to pay. There is the minimum of fuss when selling your property quickly so you’ll receive the cash and freedom to pay off your debts, mortgage and other arrears in order to get your life back on track.

Guaranteed cash offer

If you want to sell property quickly you’ll be kept informed throughout the entire sales process and any offer which is submitted for your house even after just one viewing, will be guaranteed. Property buying specialists are upfront and honest about their buying conditions at all times and ensure that the sale of your home is completed on a date agreeable to you. In addition to this if you ask for a preliminary offer they will match you with a buyer in your area as quickly as possible.

Check out Property Buyers Network 4U who represent a UK network of confident property professionals who can help sell your home with the minimum of fuss.