Car-Insurance-UK-Supermarket.co.uk
compare online quotes the easy way
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How should you approach business car insurance?First, if you are insuring a fleet of vehicles, then you can get a discount deal when you arrange business car insurance through a single insurance company. Discount multiple car insurance policies are available. Admiral, in particular, offers an attractive product in this regard (link below). Second, where you have specific requirements for your business car insurance such as, for example, a free courtesy car or the inclusion of breakdown cover, then going direct to a top UK car insurer is often a better way to secure this kind of cover than using a car insurance comparison system. Third, even where several vehicles need to be insured, when you are looking for the lowest prices for your business car insurance, it can pay to use price comparison services to identify the cheapest quotes for each vehicle, even although these would be from different insurance companies. Fourth, where you are taking out cover on behalf of company employees, you, as an organisation, have a duty of care to those individuals when they are undertaking activities - which includes driving their car - on behalf of the business. It is rarely wise under such circumstances to try to save money on a more basic business car insurance policy as this may render the company liable to meet costs, including loss of earnings to the tune of many thousands of pounds if a cheap to buy car insurance policy caps this payment. Fifth, business car insurance will not cover corporate losses in the event of an employee being unable to undertake duties for the company but a business car insurance policy that covers the costs of a vehicle being off the road is generally wise, thus the more basic policies as identified by price comparison sites are generally unsuitable for business car insurance purposes. Sixth, in the case of business car insurance, it pays to carefully review the details of cover. There are some classes of activity which are usually excluded from cover, such as, for example, where a commercial vehicle carries certain types of hazardous materials. Seventh, you are usually best to err on the side of being over-inclusive rather than cost-cutting in your business car insurance arrangements. This protects you against litigation from employees that are involved in road accidents while undertaking their duties on behalf of the business, particularly in the case of more significant personal injury. |
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