Motor Trade Insurance Choices

Today insurance plays a big role in our lives. We need medical insurance, life insurance and even insurance for on the job but perhaps the insurance policies we are most familiar with is the car insurance policies. For anyone that has a car, they know that it must be insured before it is legally allowed on the road and there is good reason for this. Okay we may knock a tree and do some damage to our car but it is our car and so if we can’t afford to fix it right away, that is our problem. However, if damage is done to the tree or someone was standing near the tree and they were hurt, someone has to pay for the damage to the tree and for the medical attention of the person. If we do not have money at that time, the person cannot wait until we do in order to receive that medical attention and so that is why we have third party insurance as a minimum requirement. Third party insurance would not pay to have our car repaired but it would pay for the damages to the tree and or the medical expenses or the injured person. Of course though, once a claim has been made against the insurance company for the damages to the tree and the person, the insurance company is going to up your payments for that policy to recoup their payments. Fully comprehensive insurance on our car is different as, although the insurance company will still up your payments should you make a claim, as well as paying for the damages to the tree and for the medical expenses, it will also pay to repair your car and may even pay for a rental vehicle whilst the car is getting repaired. Regardless of whether you have third party or fully comprehensive insurance, you will not want your payments to go up because of some damage that occurred whilst the car was in the care of motor trade professionals. For that reason, motor trade businesses or professionals should have their own insurance which covers cars which are in their care. This type of insurance is called motor trade insurance and the best complete motor trader insurance is provided by insurance companies which specialize in motor trade insurance rather than just insurance in general. Although most insurance companies can offer a basic motor trade insurance, that policy will be far ranging and so possibly not the best for your particular business. The insurance companies that specialize in motor trade insurance on the other hand, will have multiple policies for you to choose from and may even be able to provide a policy which is tailor made to your exact requirements. When you have a specialized policy like that, you know you are getting value or money as you are not paying for any coverage you may not really need. These insurance companies will even offer policies for individual professionals within the motor trade industries.

Tax Woes

Many of us will often complain about the amount of tax we have to pay. Not only do we have to pay tax on our hard earned income but we also have to pay tax on any purchases we make, services we use and even any meals that we eat. The burden of increased taxes often weighs heavy on us and so we seek to receive any reprieve in any small way. Sometimes a slight reprieve may be in the form of a tax refund on our income tax but all too frequently, those that are entitled to these refunds, do not claim them as, they either didn’t know the entitlements existed or, they just didn’t know that they had to claim for them on their tax returns. Tax return advice is now being sought by an increasing number of people before submitting their annual tax returns, ensuring that any entitlements are not left off and therefore can receive a refund. Few of us are tax experts and so it is easy for us to miss even the smallest basic points when filling out our once yearly tax return. The one thing that is perhaps common about all tax returns in the world, regardless of country, is that if you try to pay less than you are due, the government departments will certainly follow it up to ensure that you pay in full. However, if you forget to make a claim for a refund, there is no government department in any country, which will chase you down to ensure that you get that refund. This basically means that when it comes to paying taxes, we can expect no help from any government. This is why the increasing number of people are now hiring their own independent tax professionals to assist them.

Businesses of course, have always sought professional assistance with their taxes and some of the lager businesses even employ full time experts to ensure that they only pay the minimum possible amount in taxes. In instances where the large companies do pay less tax than the government had expected them to pay, the government finds itself short and so has to make up any discrepancies by hiking the tax rates on others. This has become quite common practice and many people have already accepted this but, what all too many people object to, is how their tax money is spent. Those people that have jobs, often prefer to pay less in income tax and more in purchase tax as, at least they can buy what they choose to. Others though that are perhaps unemployed or are on minimum wages, not paying income tax, would prefer that the tax on purchases was lower. This means that whichever option a government chooses to tax the country, it will not be agreed to by everybody but there is an increasing number of people that believe some way must be found to ensure that the larger companies pay their full dues.

Tips That Can Get You The Auto Insurance That You Need

Buying your car insurance policy can be a daunting task. With so many choices from carriers to policy types and discounts, how do you get what you need for the best possible price? Keep reading this article for some great tips on all your auto insurance buying questions and how to get lorry insurance.

One of the best things that you can do to get cheaper auto insurance is decrease your annual mileage. Most insurance companies will give you a quote based on 12,000 miles a year. If you can work something out by decreasing this number your insurance premium should go down as well.

When renting a rental truck, it is likely better to purchase the rental insurance as many auto insurance policies do not cover the same damage for a commercial truck. Your credit card agreement will likely also not cover the insurance related to the renting of a commercial truck. Check your policies to be sure, but in most instances it is better to opt for the insurance when renting a truck.

Show them clearly why you disagree if you put in a claim to your auto insurer and you disagree with the value the insurer assigned to your totaled car. Getting quotes from local car dealers and showing proof that you maintained your car very well could change your insurer’s mind.

Try not to use your personal vehicle if you must travel by car for business. Most auto insurers will charge an additional fee on top of your premium for business use. However, do make sure you tell your insurance company if your car is used for business, so that you are covered in case of an accident.

Auto insurance is very important. Before you take the risk of harming others by being an uninsured driver, look into purchasing the bare minimum of insurance required by the state in which you live. There are several options for paying as well, you can pay monthly if it is more affordable for you.

In order to save money on car insurance, it is critical that you understand what level of insurance you need. The most your insurance company will pay for damage to the car is its current resale value.

Auto insurance companies take into consideration what type of vehicle you are want to insure. By watching trends and their own experience, a company may decide to charge you a higher premium. You need to know that sport cars and luxury SUV’s usually have the most expensive premiums.

Knowledge is power. Now that you have had a chance to read up on some really great auto insurance buying ideas, you will have the power that you need to go out and get the best possible deal. Even if you already have a current policy, you can renegotiate or make any needed changes.

When renting a rental truck, it is likely better to purchase the rental insurance as many auto insurance policies do not cover the same damage for a commercial truck. Do make sure you tell your insurance company if your car is used for business, so that you are covered in case of an accident.

In order to save money on car insurance, it is critical that you understand what level of insurance you need. The most your insurance company will pay for damage to the car is its current resale value. Find the current resale value of your car and check it against how much you could save over two or three years by switching to the minimum liability insurance.

Insuring a Truck

In Europe trucks over a certain size are referred to as heavy goods vehicles (HGVs). As these HGVs are far larger and heavier than the average car, the insurance for these trucks, known as HGV insurance, is usually more expensive than regular car insurance. How hgv insurance compare with car insurance is though reasonable considering that a larger and heavier vehicle can cause far more damage than a regular car usually would, if they were involved in any accident. The cost of HGV insurance is not just high due to their size or even their weight though, there is also the possibility of the truck being stolen or at least its load being stolen, to consider. In the UK today, an average of between 10 and 15 HGVs are stolen each and every day and the number of loads which are stolen each day are similar. Not all HGV insurance covers loss of the truck or even loss of the load but is an option which an increasing number of HGV owners are opting to take considering the numbers of thefts which are occurring. Any insurance before being agreed to have to be considered carefully as no one wants to pay more for a policy than they have to but at the same time; want to be adequately covered. With car insurance there is choice between Third Party, Third party Fire and Theft or Comprehensive. With Third party insurance which is the minimum allowed by law, only injuries, deaths or property damage to any third parties are covered, with no consideration being given to the damage to the owner’s car. Third Party Fire and theft is actually the same except it also covers fire or theft of the owner’s vehicle.

Comprehensive insurance does cover all of these plus it also covers damage which may be caused to the insured’s vehicle and so obviously comes at a higher cost. These are perhaps simple choices to make but HGV insurance may not quite as simple and so often HGV owners will seek the assistance of an insurance broker to help them in deciding exactly which insurance policy is best for them and their truck or trucks. An insurance broker in the UK is certainly different from an insurance agent as an agent is employed by one insurance company and it is their job to sell you insurance from that company and no other. A broker on the other hand is like a freelancer as they can recommend insurance from any company and in fact are obliged by law, to act in the best interests of their client’s, not any one particular company. Obviously therefore a broker can offer you a far wider range of choices and prices than any agent can. Many HGV owners have found that by using a broker to acquire their HGV insurance needs, they can save considerable sums of money, especially if they use an insurance broker that specializes in HGV insurance, either individual trucks or fleets of trucks.


For quite a long time, ERD INSURANCE has provided people and businesses with the most effective security system and insurance the industry has to offer. Now, we are reaching out to people and give this wonderful opportunity – not to promote our agency, not to offer our services, but to teach and let them understand more about insurance.

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