Car-Insurance-UK-Supermarket.co.uk
compare online quotes the easy way
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Should commercial car insurance be managed differently?Firstly, it is usual in the case of commercial car insurance to be less inclined towards getting the cheapest possible price, but rather to take account of the needs of the bsuiness in terms of the policy features considered to be essential. It follows from this that going straight to a price comparison site is usually unhelpful as there is likely to be a need for policy features that don't tend to be included in the cheaper-priced car insurance policies identified in this way. Thus, we generally advise going direct to well-known car insurance companies for commercial car insurance cover. We link to several below and, as you will see if you peruse our policy information, the kinds of features that are attractive to businesses such as free breakdown cover or a courtesy car are usually included. Also, most direct car insurance providers will give you a discount if you insure more than one car with them as may be needed with commercial car insurance cover. Admiral (also below) is the motor insurer of choice for multi car insurance. Secondly, an employer has a duty of care towards his employees from a health and safety perspective. That being the case, it is unwise to look for cost savings by compromising on commercial car insurance cover for their vehicles. If a serious accident occurs while an employee is undertaking a journey while doing their work, and the car insurance does not provide full compensation for loss of earnings as a result of that accident then the employee would reasonably expect the employer to make good that loss and this would generally be legally enforceable. Thirdly, a company can much more easily and sensibly budget for costs where a more inclusive commercial car insurance policy is chosen. Thus, for instance, if a car is off the road and a courtesy car is included in the policy, the employer is not obliged to meet the cost of car hire. Particularly for a small business, this could be a most unwelcome drain on resources. Fourthly, commercial car insurance may need to include cover in relation to equipment, tools or materials carried by the vehicle which may have greater value or present a potential hazard that would not need to be routinely covered in the case of private car insurance. Again, this is a reason to go directly to an insurance company for a tailored commercial car insurance product. |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
