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One in four motorists admit to providing inaccurate information to insurance companies when making an application. The severity of the ‘lies’ ranges from saying that cars are kept in garages when not in use, when in fact they are parked on drives or the street, to more serious non-disclosure regarding driving offences.

The main reason given for lying is an attempt to get lower premium costs, however, alarmingly few people admitted to knowing that deliberately providing false information would make their policy null and void, or where aware and opted to take the risk of being caught.

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If you own a company that utilises a number of automobiles for transport purposes, you should consider having a fleet insurance policy for getting your vehicles properly protected. You may need to have at least four vehicles in order to become eligible for this type of insurance policy. This can be very beneficial in insuring multiple vehicles under your ownership, since you can easily manage the insurance procedures for all of the vehicles in a single transaction. Fleet insurance allows multiple vehicles to be under a single insurance policy and receive adequate protection during the duration of the coverage. However, there may be several exceptions for an extremely large number of units within the fleet, so you need to liaise with the insurance broker about the issue to determine the best policy to cover your vehicles.

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Motor fleet insurance is a large investment for any business, and should be carefully considered. Finding the right insurance can be a time consuming task, but with a bit of careful research and comparison it will be a simple decision. Motor fleet insurance companies offer cover for most cars, vans, sedans, and four wheel drives. Some companies do not offer cover for larger or heavier vehicles, while others do. You need to carefully check your vehicles are offered cover by the companies you are considering. With four simple decisions, you can find the right motor fleet insurance for your business.

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Insurance premiums are a major expense for most lorry owners, finding ways to reduce and keep the cost of insurance low can be a nightmare. However, there are some ways which may save you hundreds of pounds on your existing policy.

* By far the biggest savings which can be made are having a no claims discount. Insurance companies can generous discounts if you are an owner operator who has a proven history of no claims. Businesses who own more than one lorry can have a named drivers only policy which is far more cost effective then insuring for any driver. Any no claims discounts which the named drivers have accumulated with also be taken into consideration by the insurance companies. Which means that careful screening of prospective drivers may need to be taken into careful consideration when hiring new employees.

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Truck insurance is when a truck is covered for any kind of damage that is caused to it at the time of a collision, accident and/or any kind of mishap. At time of any damage, a certain percentage of the cost incurred bourn by the insurance company itself, and thus minimises the risk for the truck owner. There are number of policies available in the market that offer different coverage options. The extent of coverage includes the truck, goods in transit and the driver as well. The more the features or coverage that is included in the policy, the more will be the premium of the policy. Comprehensive truck insurance is the one that offers all the features, and maximum cover, and is availed by individual truck owners or a big company that owns a business utilising trucks.

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