Archive for January 31, 2013

Taxi Fleet Insurance Explained

The old business adage – time is money, is one of the most applicable when it comes to running a taxi firm. For a taxi firm to be successful it’s essential for things to run efficiently. This means having reliable drivers, well maintained vehicles and a well-run call centre. One thing that every taxi firm must take care of is insurance for their vehicles. To insure them separately would at best be a huge headache. Most taxi firms will have multiple types of vehicles in their inventory so to get separate policies for them all would simply not be financially viable. This is many taxi firms will ensure their vehicles under one policy – known as a fleet policy. Below is an explanation of the true benefits of fleet insurance, how you can reduce costs and where to find quotes.



  • Saves Time –   When running a taxi firm it’s inevitable that you’re going to sometimes have problems with your vehicles, whether they break down or involved in a collision. This means you’re going to have to deal with the insurance provider on a fairly regular basis. This is where a fleet policy can really save you a lot of time and hassle. When you have all your vehicles insured under the same policy you don’t have to look for a vehicle’s individual policy, you have everything in one place. This is going to save you a lot of time and stress in the long run which means you can spend more time on the running of your business.
  • Saves Money –   In almost every circumstance, a fleet policy will work out considerably cheaper than getting separate policies. Since the insurance provider is getting more money from you they will give you a discount on what you pay overall. There are enough expenses already when running a taxi firm so you want to save money wherever possible and a fleet insurance policy certainly does this.


Reducing Costs

When calculating a cost for your fleet insurance, insurance providers will take certain things into consideration. Firstly is the number of vehicles in the fleet, their condition and their value. Most taxi firms use relatively cheap, reliable cars since they cost less to insure and can be replaced fairly easily. The insurance provider will look at the age and mileage of the vehicles in your fleet and calculate cost accordingly. To keep costs down you should have relatively inexpensive, reliable and well-maintained vehicles in your inventory.

The next thing the insurance provider will look at are your drivers. All your drivers should have a clean driving history, have no serious medical problems and be over the age of 25. If you stick to these rules then you’ll be able to keep your costs down to a minimum.


Getting Quotes

Getting quotes for taxi fleet insurance is now very easy thanks to the internet. You can either obtain quotes directly from insurance providers websites or you can use an insurance comparison site that will provide you with quotes from multiple insurance providers – this is the most efficient way of getting quotes.

Where to Find Campervan Insurance

Campervans provide an ideal solution for those who want to experience the great outdoors but also have some of the comforts of home. The UK is a great place to own a campervan with so many ideal camping locations. It isn’t just camping that people use campervans for though, there are many people who like to use a campervan instead of a tent when attending large outdoor music festivals. Whatever the use of a campervan it’s essential to have it properly protected with insurance

Types of Campervan Insurance 

There are few different types of campervan insurance you can get. Below are some of the main types of policies you can find as well as additional types of cover

  • Agreed Valuation Cover – This type of policy is very useful as it gives you an assurance that you will be compensated for the full replacement costs of your caravan rather than its depreciated value. You and the insurance provider will come to an agreement on the valuation of your campervan, which means that if it needs replacing, this is the figure you’ll receive. 
  • European Cover – Many people like to travel outside the country in their campervan. Some policies will cover you for European travel for a certain period of time but if you plan to spend a good deal of time outside the country then it’s a good idea to get European cover included in your policy.
  • Breakdown Assistance – Breakdown assistance isn’t usually a standard with most policies but it’s a very useful option to have included in your policy. When using a campervan you’ll often be travelling far from home and it can be a huge headache to breakdown unexpectly. If you have breakdown assistance you’ll at least be able to get off the road and not worry about extra expense.
  • Contents Cover – Whether you need contents cover included with your policy will depend largely on how you choose to use your campervan. If you use it purely for camping then you will not have the same level of risk as those who use it for attending large music festivals.

Saving Money on Your Policy

There are a few ways to save money on your campervan insurance. One is to have it as secure as possible. Wherever possible you should have it parked in a locked garage. You should also get it fitted with an alarm and immobilizer.

Another way you can save money on your insurance is to join a campervan owner’s club. A lot of insurance providers offer discounts for to club members so it’s definitely worth joining one.

Getting Quotes Online

Getting quotes for your campervan insurance is very easy now thanks to the internet. There are many insurance comparison sites out there that allow you to get multiple quotes from one place. One such sites as this is . Getting quotes in this ways saves you both time and money