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What is a car fleet insurance policy? Simple, it is a motor fleet insurance policy made up of purely cars with no mix of other vehicles such as vans or haulage trucks, taxis etc. Many fleet insurance policies consist of just cars although the range of vehicles covered can be wide and varied such as combinations of: High Performance Cars such as Subaru’s, Mitsubishi, Evo, Lotus etc. High Value Cars such as Aston Martin, Porsche, Rolls Royce etc. 4 x 4’s such as Land Rover, Porsche, BMW, Ford etc. Hatchback / Saloon Cars - Ford, BMW, Volkswagen, Audi etc. Environmentally Economic Cars like Toyota, Pirius, Honda’s etc.

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Finding the right car insurance at the right price is not impossible, even in South Africa. Be sure you know your cover options and how you can save on car insurance premiums.

You can choose from three basic types of car insurance cover: Third Party, Third Party Fire and Theft and Comprehensive. Third Party is the minimum cover and pays for damage to other people’s property caused by an accident that is your fault. Third Party Fire and Theft adds to the minimum by including cover for damage caused by theft, attempted theft and fire. Comprehensive Cover includes all of this and pays to cover damage to your own vehicle in an accident that is your fault.

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Saving for retirement involves early planning, dedication, and discipline to contributing a specific amount of your income for a specific amount of years. The availability of tax deferred investments allows you to keep more of your money in the later years. Tax deferred investments are investments such as 401(k), IRA, and annuities which are not taxed until the funds are withdrawn.

The assembly of these investments means analyzing the requirements, choosing an insurance company to purchase the annuity, and working hard to save for your retirement. As an older adult, it is important to focus on investments that guarantee payment instead of performing riskier investments such as stocks, bonds, or expensive mutual funds.

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If you are running a driving school in the UK, you need to get it insured. Running a driving school is like managing any other business, and like all businesses, insurance is required. The premises of the driving school, the fleet of cars and the people you employ need to be insured. As the instructors are going to be taking their students out on the road, you will need to be insured against accidents and damage to public property.

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Motor trade insurance is required where standard private and commercial insurance policies do not cover all the risks of a motor trade company. A motor trade company may be operating a fleet of taxis, rental cars, vans or trucks. Or a motor trade company may be dealers of a car company. A motor trade company could also be a used car selling company. Depending on the type of motor trade business you are running, you require adequate insurance coverage.

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