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A blog for insurance that is dedicated to publishing the work of our guests, not the views of the webmaster. So if your into insurance enough to blog about it why not submit your content.
A blog for insurance that is dedicated to publishing the work of our guests, not the views of the webmaster. So if your into insurance enough to blog about it why not submit your content.
on January 3rd, 2012
You may be surprised to know that having jet ski insurance is, just like when on the road, compulsory by law. Hundreds of accidents occur with jet skis on a regular basis, so it’s always a good idea to make sure that you have adequate and comprehensive cover before setting off on your thrill ride.
Insuring your jet ski has many benefits to both you and others around you. You will be covered in the event of an accident, both with the cost of and repairs to the machinery as well as covering any bodily harm that may occur to passengers. Medical care can carry a very hefty price tag, so making sure that you are insured can bring you both peace of mind as well as reducing a dent in your bank balance.
Damage can occur to a jet ski both when in motion and when stationary, which can be very expensive to repair without the assistance of an insurance company designed for jet skis. Protection against fire and theft should be the minimum that you have, but other damages including accidents and criminal vandalism are often included in policies as add-ons. Make sure that you are conscious of add-on extras, as they can boost the price you pay for insurance substantially.
You will need to do adequate research into insurance companies for jet skis, as it is a very specialist field. You may find insurance brokers that can provide you with quotes for insurance deals from a range of companies, which will probably be the easiest way to find the cheapest price available. Jet ski insurance can be expensive due to its nature, meaning that finding the right deal can be vital for making your hobby economical. There are deals out there for jet skis, so with the aid of the internet you should be able to find a reasonably priced deal. If in doubt about spending extra money on insurance, weigh up the potential damages that you could inflict both to the ski itself as well as passengers; it’s going to be a lot more costly if you have to pay for repairs and legal fees for sure!
Boat Quote are specialist brokers for marine and water craft. Visit for quotes for jet ski insurance.
on January 2nd, 2012
Private hire vehicles are vehicles that differ from licensed taxis and buses/coaches, but rather are hired for carrying less than nine passengers at a time. Private hire insurance is designed for vehicles used to be privately hired for payment, differing from public hire insurance which is used to insure public hire taxis.
The main way that private hire vehicles are different to public hire vehicles is the fact that you must pre-book a private hire vehicle for the journey; you cannot simply hail the vehicle from the street, which you may do with a public hire vehicle. It is against the law for private hire taxis to ply for business in this way, as well as advertising or in any way implying that the vehicle is for hire. In London, for example, only the iconic Hackney Carriages (Black cabs) can display that they are for hire on the street.
private hire insurance is subject to the operator of the driving company having an operator’s license, which they display in their workplace for customers to see. All companies that offer insurance to such businesses will require the license to be shown before validating the insurance. In addition, all vehicles that are deployed by the company must make their vehicle license visible to customers.
All drivers of private hire vehicles must wear a driver’s license when in the car, which indicates to passengers that safeguards have been made to ensure the driver is fit for purpose. Checks include an extensive CRB and medical check for drivers. Similar to the operator’s license, if a driver does not display their driver’s license they are in breach of the law and can be prosecuted.
Vehicles used as transport for events such as weddings and funerals do not have to adhere to the regulations for private hire vehicles, but do require their own insurance.
Any private hire vehicle that does not have suitable insurance can be prosecuted under the Road Traffic Act of 1988. Possible penalties can include points on a driver’s licence, fines and possible driving disqualification. Suitable insurance cover is legally compulsory for all vehicles used as private hire transport.
Buy private hire insurance from reputable and specialist providers like Taxi Protection
on December 14th, 2011
No matter what boat you own you are going to need some form of boat insurance in order to protect yourself from whatever might go wrong. Most insurance companies classify all boats in the same category, though; this means that a barge, houseboat, narrow boat or speedboat is usually classified as the same thing.
The first choice you as a boat owner must make is whether you take out comprehensive insurance or third party only insurance. This acts as the most influential factor on the cost of your insurance because it stipulates whether your insurer will be forced to pay out should an incident between two vessels occur.
The next factor which will determine how much you are forced to pay in insurance is the value of your vessel. For example, if you have a boat with the most expensive equipment on the market then it will cost a lot more to repair than a rowing boat should an accident take place. It should also be noted that no matter the price of the boat, the age of the boat will be taken into account by most boat insurance companies.
And finally, the number of years on your no claims bonus will affect your insurance costs. Just like with most insurance types, the number of years will affect your costs, but most companies will provide you with a five year or six year no claims bonus.
These are the three main factors which will come into play when trying to insure any boat, but there are also some additional options which may have a significant effect on your insurance quote. These are self-explanatory and will differ depending on the insurance company, but breakdown cover is an option, contents cover is an option, and you can also take out a bonus protection on your no claims bonus.
With certain boat insurance companies, you may find that you are presented with a quote which is higher than you expected. This could be due to many reasons, but the most likely reasons are your age and your location. Some insurers may give higher quotes to people who are over 70 or under 25 whereas other insurers may stipulate that the location of your boat puts you at a greater risk of having an accident.
Quotes from a number of reputable boat insurance companies are available at www.boat-quote.co.uk