Motor Insurance - Hiring cars

Car-hire firms often offer insurance on their own terms on a day-to-day basis. If you intend hiring a car, make sure that you are covered for any damage you may cause to the hired vehicle or for liability arising from an accident before you agree to the hiring arrangements. Most hirers' insurance terms do not normally include compensation if you yourself are injured, or if anything is stolen from the hired car. Since cars are usually hired on a short-term basis, you will probably be given a cover note rather than a complete insurance policy. As the cover note does not state all the restrictions, you should satisfy yourself that you will not have any unexpected large claims on your hands. If you often hire a car, consult your own insurer since you may find that if you already have a private car policy, it covers third-party claims with a hired car; even if it does not, your insurers may agree to extend your policy for this purpose.

Motor-cycles

Under the Road Traffic Act, motor-cycles, scooters, mechanically assisted bicycles and mopeds must be insured. As with private motor-cars, owners may choose Act only, third-party (with or without fire and theft) or comprehensive policies. The main differences in cover between motor-car and motor-cycle comprehensive policies are that the latter excludes damage by frost, loss of or damage to spare parts or accessories (unless the motor-cycle is stolen at the same time) and personal benefits such as personal accident, medical expenses, clothing and personal effects. By paying an extra premium you may insure for personal accident and medical expense benefits in case you, as driver, are killed or disabled as the result of an accident.

A motor-cycle policy does not cover you for driving cars, but you may usually drive other motor-cycles. However, if you then have an accident, you can usually only claim for third-party liability and for any damage to the cycle you are driving. Your own policy usually only covers yourself as driver, so if you want to extend it to other drivers, you will have to pay an extra premium.

The premium for a motor-cycle depends on its make, engine capacity, garaging arrangements and use, as well as the age, occupation and past record of the driver. The premium varies enormously, but,, as a guide, the private individual over 29 can expect to pay around k15 a year. The premium will be reduced if you have a side-car permanently attached. However, you may then find that your policy only covers you for other motor-, cycles if they, to0, have side-cars.


Motor Insurance - Hiring cars

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Motor Insurance - Claims

Car-hire firms often offer insurance on their own terms on a day-to-day basis. If you intend hiring a car, make sure that you are covered for any damage you may cause to the hired vehicle or for liability arising from an accident before you agree to the hiring arrangements. Most hirers' insurance terms do not normally include compensation if you yourself are injured, or if anything is stolen from the hired car. Since cars are usually hired on a short-term basis, you will probably be given a cover note rather than a complete insurance policy. As the cover note does not state all the restrictions, you should... see: Motor Insurance - Claims