Motor Trade Car Insurance
In the automotive industry, a motor trader is always searching for the best insurance for their money. A genuine insurance deal for most people would be the comfort of low premiums with effective coverage. Experts of the United Kingdom Motor Trade Insurance companies are invaluable and available to offer you such services. Motor Trade Car Insurance can provide a variety of options and excellent premiums.
A team of experts will validate and confirm any specific details of your particular needs prior to becoming a policyholder. Companies that are willing to grant you Motor Trade Car Insurance base your price estimates on certain criteria that best fits your situation. The insurance is a fully independent resource that guarantees the latest competitive insurance quotes.
These quotes are also available for classic or historic vehicles as well as collectible, sports or hot rod and performance cars. Although Motor Trade Car Insurance policies do not award coverage for the cars that are used for racing, pace making reliability or speed listing, they do reward Motor Trade safe drivers with special premiums. Cars may be used for social, domestic and pleasure purposes (including commuting), in addition to the connection with business or profession of the policyholder and authorized drivers. However, the policy does prohibit the connection with Motor Trade if the car is designated for soliciting of orders in renting out for the carriage of goods or passengers for hire or reward; to include such business trips. In essence, automobile insurance will remain applicable under the Motor Trade Insurance if these terms are met.
Under the Motor Trader Car Insurance policy, quotes are generally based on the following criteria. The potential insured must be between the ages of 21- 70 years old. The candidate must have resided in the United Kingdom for more than one year. The policyholder must have owned a United Kingdom driver's license for more than one year without any convictions or charges of a criminal offense. The insured cannot have any motoring claims or convictions within the last five years to include Motor Insurance cancellations. All potential policyholders must not be involved in importing or exporting vehicles. In addition, you or your Motor Trade business cannot specialize in selling, repairing, servicing or restoring any of your cars. These vehicles may include sports or high performance cars, veteran, vintage or classic cars or light commercial vehicles. Also, to be authorized as a Motor Car Insurance policyholder, no vehicle that is owned by you or your business has been labeled disabled. Furthermore, no vehicle that is in the possession of you or your business can be leased.
These policies are tailored for individual or firms operating in the Motor Trade industry who are in the need of a genuine insurance coverage to protect their personal or business vehicles. These vehicles are authorized to be used on the public roads or parked at the home or trade premises. The insurance allows drivers to operate any motor vehicle under the provisions of the Motor Trade insurance policy. This includes permanently owned vehicles that are specifically used for social, domestic and pleasure purposes only.
Saturday, May 3, 2008
Car Accident Claims
There are so many advertisements on the radio and television regarding vehicle insurance. Each company claims that they have the lowest rates or that they will beat the rate of the major competitors. It is important to make sure that when you are seeking out an insurance policy that you are comparing coverage that is the same from company to company.
My daughter and her husband went through several companies with price comparisons. They went with a company that offered very low premiums, but when they made car accident claims they found that they had a very high deductible and that they did not have any support services, such as rental cars or towing. Also the car accident claims were dealt with by a contracted worker because the insurance company did not have a local office. This meant that the contracted worker looked at the vehicle and then sent his adjustments to the company. The company then got back to my daughter and son-in-law. The adjuster had missed a few things so the process had to be repeated, which added additional time to getting the car accident claims straightened out.
My daughter and her husband feel that they made bad decisions in choosing their insurance. The low premiums were great, but when they needed the insurance they found that the rates were low because they had given up many things from their old insurance. Many of the companies advertise that they will give you a quote in five minutes; however this quote does not take into consideration your personal driving record. This means that the first quote given to your is not necessarily the amount that your premium will be. Make sure that you ask for written comparisons of what each insurance covers and also check to make sure that there are local agents that are available to process car accident claims. We have found that when you compare apples to apples and oranges to oranges most of the companies are similarly priced. The low estimates that are given at the time of a comparison quote are stripped down coverage. As you add in coverage and services the premiums go up. When doing comparisons it is important to know what you have, what you need and what the new company is offering for the premium. This will help you avoid surprises when car accident claims are filed. By asking for the comparisons in writing it is easier to look at the cost of coverage and make a more informed decision.
My daughter and her husband went through several companies with price comparisons. They went with a company that offered very low premiums, but when they made car accident claims they found that they had a very high deductible and that they did not have any support services, such as rental cars or towing. Also the car accident claims were dealt with by a contracted worker because the insurance company did not have a local office. This meant that the contracted worker looked at the vehicle and then sent his adjustments to the company. The company then got back to my daughter and son-in-law. The adjuster had missed a few things so the process had to be repeated, which added additional time to getting the car accident claims straightened out.
My daughter and her husband feel that they made bad decisions in choosing their insurance. The low premiums were great, but when they needed the insurance they found that the rates were low because they had given up many things from their old insurance. Many of the companies advertise that they will give you a quote in five minutes; however this quote does not take into consideration your personal driving record. This means that the first quote given to your is not necessarily the amount that your premium will be. Make sure that you ask for written comparisons of what each insurance covers and also check to make sure that there are local agents that are available to process car accident claims. We have found that when you compare apples to apples and oranges to oranges most of the companies are similarly priced. The low estimates that are given at the time of a comparison quote are stripped down coverage. As you add in coverage and services the premiums go up. When doing comparisons it is important to know what you have, what you need and what the new company is offering for the premium. This will help you avoid surprises when car accident claims are filed. By asking for the comparisons in writing it is easier to look at the cost of coverage and make a more informed decision.
Subscribe to:
Posts (Atom)