Getting The Right Cover as a Mobile Mechanic
If you work as a mobile mechanic then you’ll want to protect your business by getting the right type of insurance.
Below is a guide to the different types of mobile mechanics insurance available as well as some ways to save money.
You can get quotes for mobile mechanics insurance here – https://www.traders-insurance.com/mobile-mechanics-insurance/
Types of cover
- Road risks – Road risks cover is certainly something you’ll need when you work as a mobile mechanic. In addition to covering your own van for accidents, it also enables you to work on customer and vehicles and transport them as needed. You can choose what level of road risks cover you want depending on your budget and how much protection you require.
- Liability claims – Liability claims are something that every business owner must be prepared for, including mobile mechanics. The two main types of liability insurance are public liability insurance and employers’ liability insurance. Public liability insurance will cover you for claims from customers and members of the public while employers’ liability insurance will cover you for claims from employees. Even if you only have one employee then you’re still obliged to get employers’ liability insurance.
- Legal fees – Legal fees are an additional type of cover you can have included in a motor trade insurance policy. Fighting liability claims in court can be very expensive so getting legal fees included in your policy is definitely worth considering.
- Breakdown assistance – Breakdown assistance is vital when you rely on your vehicle to make a living. Even if you already have breakdown assistance in place it’s still worth finding out how much it’d be to have it included in your policy as you might be able to save money.
Saving money
- Get quotes from many providers – Getting quotes from different insurance providers is essential when you’re looking for motor trade insurance (or any other type of insurance). It enables you to make an informed decision on your cover and pick the policy the offers the right cover at the right price. Sites like traders-insurance.com enable you to get quotes from motor trade insurance specialists quickly and easily.
- Make your van secure – Working as a mobile mechanic means you’re going to have a lot of expensive tools in your van. In order to lower the cost of your insurance therefore, you should take any steps you can to make your van more secure and deter potential thieves.
A Guide to Buying Your First Classic Car
Buying a classic car is different to purchasing a regular vehicle. Firstly because most cars that are considered to be classic will not have an agreed upon market value. Therefore it’s important to do research and get a good idea of what you should be paying.
There are a few important things to consider when buying your first classic car, not least of which is where to buy…
Where to buy
You have a few options when it comes to buying a classic car. Below are a few of the most common –
- Online – In addition to sites like eBay and AutoTrader, there are also quite a few specialist websites where people can buy and sell classic cars. The upside to looking for classic cars online is that you’re usually able to narrow down what you’re looking for using very specific criteria such as make, model, colour, engine size, year etc.
- Car auction – Another option for buying a classic car is to go to a car auction. It’s really only recommended that you buy at a car auction if you know exactly what you’re looking for and how to spot any problems quickly. The upside to buying from an auction is you can get a bargain quite easily.
- Private seller – You can also buy from a private seller. Private sellers of classic cars are usually going to have a passion for them, which is very helpful if you’re not entirely certain about certain aspects of owning a classic car, such as how much insurance costs. Just be sure to check over the car for any obvious signs of damage or technical faults.
- Garage – Some garages will sell classic cars too. A big upside to buying from a garage is that often you’ll get some sort of guarantee if the vehicle were to fail within a certain amount of time. Typically you’re not going to get this with a private seller.
Maintenance/security
If you own a classic car then maintenance is extremely important. You want to take any steps you can to prevent things like rust and damage to the car’s body as well as checking things like oil levels and the state of the battery.
You should also consider insurance for your classic car – if you have previously had a drink driving conviction it can be more expensive to insure your vehicle but if you shop around you can find cheap car insurance for drink drivers online with minimal effort.
Below are a few things you can do to make your classic car much more secure –
- Install a GPS tracking device
- Use and immobilizer
- Keep it in a securely locked garage
- Get a specialized classic car insurance policy.
How to Keep Your Classic Car Safe
If you own a classic car then it’s likely one of your treasured possessions.
This being the case you want to take any steps you can to keep it safe and secure.
With this in mind below are some of the best tips for keeping your classic car safe.
Park it securely
One of the best ways to ensure that your classic car isn’t targeted by thieves or vandals is to park it securely when it’s not in use. Due to their high value and potential for attracting the wrong type of attention, it’s highly recommended that you keep your classic car in a locked garage. Failing this you should at least have a driveway to keep your car on. Parking a classic car on the street is far from ideal as it greatly increases the chances of it being broken into.
You should make sure that wherever your car is parked, it’s not easy for passers by to see it. Blinds are an excellent way to provide more privacy. You can get bifold blinds or other types of blinds if you want to add more privacy to your home/garage.
Get the right cover
Another important aspect of protecting a classic car is to have the right type of insurance. Because classic cars typically don’t have a set market value, it’s important to get cover from a specialist provider and get something known as an ‘agreed valuation policy’. As the name would suggest – this is where you and your insurance provider agree on a fair value for the vehicle that you’d be paid if it were written off or stolen.
You can also get a limited mileage policy if you only use your car sparingly. This is a very good way to save money on insurance.
Get an immobiliser
Immobiliser are very affordable yet effective devices that can help to keep a classic car safe from thieves. They work by disabling certain aspects of the engine so that it’s close to impossible for anyone to start the car unless they have a key. Many modern cars come with an immobiliser as standard but with a classic car you’ll almost certainly have to have one fitted unless the previous owner already did.
Get a GPS tracker
In the event that your car was stolen, the most realistic way that you’d be able to recover if is it you had a GPS tracker installed. You can buy GPS trackers relatively inexpensively and they’re an invaluable investment if you want to keep your classic car safe.
Source: Cheapfleet.co.uk Fleet Insurance…
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