Van Insurance - Stalking White Van Man is taking over the UK!
You either love them or like me, hate them, but there is no denying that you can't avoid them!
They are Everywhere and You can't escape from Them!
I'm talking about the unique UK phenomena of 'White Van Man', that you will be stuck behind on every road and see parked with reckless abandon on every street corner thoughout the length and breadth of the country.
Insurance Blogger shouldn't really knock them as the 'old man' slaved away for years at the home of the Ford Transit in Swaythling Southampton, and it's an acknowledgement of 'Great British Design' that the Transit is still one of the biggest 'culprits' today!
But Why White?
Well when I was a kid the black van man was always a 'copper'!
Anyway, largely because of the Internet and local delviery, they are out there on our roads and they are dangerous, especially the stalking subset called Cowboy Builders from Barling Essex; so we had better insure them right?
We've been looking around at what's available for White Van Man and have found that the best deal to be had online Van Insurance at the current time is through Direct Line and is not available on comparison websites.
It's just been launched as a standalone product on Car Insurance Television........
Van Insurance Deals as Direct Line launches at Car Insurance Television
Car Insurance Television announce the launch of Direct Line Van Insurance who are offering a weeks free cover for the next month. Join in the celebrations today and get much cheaper van insurance instantly online.
FOR IMMEDIATE RELEASE
PR Log (Press Release) – Apr 01, 2010 – "We are pleased to announce that Direct Line van insurance has launched at Car Insurance Television and to celebrate are offering 1 day’s worth of free insurance every week. The offer lasts until 30th June 2010."
Car-Insurance.TV chose Direct line van insurance because it offers a very competitive van insurance product and provides the following benefits;
Replacement hire van available for up to 21 days following an accident or claim (If you purchase Guaranteed Hire Car Plus. Comprehensive cover required)
No charge for any extra for business use if you are the only driver.
With a Direct Line van insurance policy, you get an extra discount on every additional vehicle you insure with us.
Vandalism cover that preserves your No Claims Discount is standard (Comprehensive cover required)
If you're hit by an uninsured driver we'll cover your excess and your no claims discount won't be affected.
Direct Line van insurance customers who buy online also receive the following discounts:
Home insurance: 10%off
Breakdown cover: 25% off
You can find out more about Direct line business Van Insurance where you can take advantage of the latrest special offers and purchase all your cover online in an instant. Full Tools and Liability covers are available online.
America joins the car insurance quote comparison frenzy
At Insurance Blog we keep an eye on what is happening over the pond in the United States. Historically the US has always lagged behind the UK in both it's range of Insurance products and due to varying state laws, its ability to offer a homogenised version of our many car insurance comparison sites, across state boundaries.
So it was interesting to learn today from the press wires that a new website CarInsurance.org has managed to overcome these problems and offer comparitive car insurance quotes to US citizens.
"Visitors to CarInsurance.org can get free auto insurance quotes by simply typing in their zip code and then answering a few quick questions. The user is then presented with custom auto insurance quotes from select auto insurance companies, and can apply for insurance with the company of their choice. These are established companies with a long-record of customer satisfaction, and able to provide all levels of auto insurance to drivers in any of the United States."
Classic Car Insurance - Are you sure you are covered?
Do you think that if the worst happens you will get the full market value for your classic motor under your current car insurance policy? What if market prices fluctuate as in the current economic crisis? Are you worried that if the worst happens your cherished classic car will not be covered? You should be! However most of this angst can easily be avoided if you take out an additional cover called a 'Guaranteed Agreed Valuation'. All reputable Classic Car Insurance Companies will allow this option and for a small extra sum can lead to some peaceful nights.
The main purpose of the Guaranteed Agreed Valuation cover is that in the event of a total loss claim where the classic car is written off, the insurance company or underwriters will guarantee to pay the policy holder the full certified value of the classic car less the policy excess if any is applicable. Normally, all Guaranteed Agreed Valuations are subject to a valid valuation certificate having been issued by the participating insurance company. If you are planning to switch insurer to take advantage of the many offers that are currently available from specialist car insurance companies, particularly on the Internet where the market is softer, be sure to check that a certificate issued by one Valuer is recognized by the new insurer. To avoid doubt, the old insurance GAV value should be used as the Sum Insured value for the new classic car insurance declaration. You may well be asked if you wish to pay a small fee for a new GAV, in which case, this will be necessary to protect your desired value with the new company. Once the guaranteed agreed valuation has been purchased, an application form will be enclosed with the insurance documentation which should be completed and returned by yourself to the particular insurance company valuations department.
Most classic car insurance companies require six current photographs of the insured vehicle, preferably taken within the last couple of months. These should consist of four exterior body exposures from all side angles, one of the interior engine bay and one of the vehicle interior. You should check with the company which format is acceptable for them. Most of the better companies accept 35mm prints; Polaroids, jpegs, gifs etc. and scanned images sent via email. Photocopies are not normally acceptable and usually all photos must be in colour. Where appropriate you may wish to submit bills for any substantial works carried out to the vehicle to support your application for the valuation. These should only be relevant to works carried out to the classic car within the previous three years. Photocopies are acceptable provided the originals would be available in the event of a claim. Once the completed application form and photographs are received by the Insurance Company valuers, the expert valuers will set a guaranteed value of the vehicle. You will then be sent a certificate which states the guaranteed sum for the insured vehicle. Please note that the certificate will not usually be back dated to the start of the insurance policy, and it will only be valid from the date of issue. All photographs and any bills submitted for works completed will be returned to you along with the guaranteed agreed valuation certificate.
Should the value of the vehicle change significantly during the certified period, then inform your Insurer and they will send you a new application form for a re-valuation. Usually you can expect an additional charge applies for each valuation completed. In addition, a change to the insured vehicle value may result in a change in the insurance premium, so beware.
In cases where a guaranteed agreed valuation certificate has not been issued for your cover, and a total loss claim occurs, you will be probably be paid at the current market value of your classic car, the annual depreciating price given to all cars, usually from Glass's Guide.
For UK Classic Car Insurance there's no need to look further than Lancaster Insurance who manage all the marque and members clubs insurance schemes for classic car companies such as MG, Land Rover, Aston Martin and Jaguar. Get a really competitive classic car insurance quote in seconds, from the UK experts.
Lancaster Insurance have launched an online American Classic Car Insurance comparison site for UK owners in conjunction with systems specialists Insuretec. The site offers instant online cover from a choice of specialist American Classic Car Insurance schemes designed for owners of the complete range of US automobiles - from AC Cobras through to Pontiac Firebirds and Ford Mustangs. Lancaster offer some of the cheapest rates available online.
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