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Fleet insurance FAQs

What is fleet insurance? A vehicle fleet is composed of multiple vehicles, which may include a mixture of cars, vans, trucks or even heavy goods vehicles. The Society of Motor Manufacturers and Traders (SMMT) has estimated that around 50% of all new vehicle registrations are for fleet vehicles. Fleet insurance provides the necessary vehicle insurance [...]

Are you an accidental landlord? Know your obligations

If the title caught your eye, there are probably two questions that immediately occur if you’re unfamiliar with this general area: what on earth is an “accidental landlord” and what are these obligations / why does this matter anyway? Read on for the answers! An accidental landlord Many people understand a landlord to be someone [...]

What is fleet insurance?

If you have a business (or commercial) fleet comprising three or more vehicles, then it might be advisable for you to consider fleet insurance. The nature of a fleet It’s not uncommon to discover people who consider that a fleet of vehicles must entail an awe-inspiring horizon-to-horizon vista of cars, trucks and lorries etc. As [...]

The importance of unoccupied property insurance

When a property is unoccupied, any existing property and contents insurance covering it might lapse – unless steps are taken to prevent it. Here is a brief overview of the potential issue and the solution. When the status of a property changes A property is regarded, in insurance terms, as being unoccupied if nobody is [...]

Who needs classic lorry insurance cover?

You don’t have to own the National Motor Museum at Beaulieu – probably the best known of all the UK’s motor museums – to need classic lorry insurance. In fact, anyone who owns a cherished commercial vehicle that fits the description of “classic”, is almost certain to need specialist classic lorry insurance. That probably begs [...]

Saving money on my fleet insurance

Fleet managers, whether responsible for commercial or private vehicles, are almost always under pressure to manage their costs downwards. As part of that, it’s inevitable that some attention will be directed towards fleet insurance and its associated premiums. While in the overall scheme of your operational costs fleet insurance may be a relatively small ticket [...]

Saving money on your commercial property insurance

Can you reduce your expenditure on commercial property insurance? It is possible and here are the answers to some of the frequently asked questions on this and related subjects. Can I save money by opting for a higher voluntary excess? Yes or at least ‘possibly’. The excess is an amount of money that you offer [...]

RHA rejects scapegoating of HGVs

Recent headlines in the Evening Standard newspaper claimed that Britain’s roads are in a worse state of repair than in countries such as Ecuador, Malaysia and Namibia. When it comes to the condition of our roads, the UK is ranked a lowly 27th in the world. How has this been allowed to happen and who [...]

Accidental landlords, trace and access cover, and landlord insurance

This is intended not as a ‘scare shot’ article but rather an attempt to highlight a real hole in some types of property insurance cover. It’s called the “trace and access” problem. What is ‘trace and access’ cover? Let’s assume you’re a landlord with appropriate landlord insurance securely in place. You’ve been unlucky and had [...]

Guide to electric car insurance

Due to the relatively new and evolving nature of the Electric Car / Electric Vehicle (EV) marketplace and the insurance to support it, some myths and misconceptions have arisen. Here we’ll examine those myths and debunk them by way of a brief guide to electric car insurance. “Electric cars are exempt from insurance requirements” This [...]