How To Keep Your Unoccupied Property Secure

There are a few common reasons why you might have unoccupied property. For homeowners, a very common reason is going for an extended break of a month or more.

Another reason your property might be unoccupied is if you’re having your home renovated. Landlords often have unoccupied property when they’re looking for new tenants.

Whatever the case, if you have unoccupied property then you want to take the right precautions to keep it safe to prevent the risk of burglary and vandalism. Below are some of the best ways to do this.

Get unoccupied property insurance

In most cases, if your home is unoccupied for a period longer than 30 days then your home insurance policy will no longer cover you. This is why you need to get unoccupied property insurance.

Although unoccupied property insurance won’t necessarily make your home more secure, it will ensure that if your house is broken into or vandalised then you’ll be covered for any stolen items or damage.

When taking out unoccupied property insurance, it’s important that you get the right cover for the type of property you own. For example if you have a thatched roof property then you’ll need to get a special thatched roof insurance policy. You can get thatched insurance from very easily.

Hire a house sitter

An excellent but somewhat costly way to keep your unoccupied property secure is by hiring a house sitter. Hiring a house sitter for your unoccupied property will certainly help to reduce the risk of theft and vandalism considerably.

Leave at least one light on

Another great way to make your property more secure when it’s unoccupied is to leave a light on. This helps to create the impression that somebody is inside the property.

If you’re worried about running up your electricity bill then you can get automatic switchers that will turn the lights on/off when you specify.

Have a friend or neighbour check on your property

One way you can give yourself more peace of mind while you’re away is to give a key to your property to somebody you trust. That way they can check on your house every so often.

Ways to Save Money on Minibus Insurance

If you own a minibus then you need to make sure you properly protect it by getting a good minibus insurance policy.

Insurance costs are higher than ever so it’s important to take any steps you can in order to reduce the cost of your minibus insurance. Below are some excellent ways to do this.

Pay for your policy annually

Although most people prefer to pay for their policy on a monthly basis, you can save money by paying annually instead. If you can pay upfront in a lump sum, then the majority of insurance providers will offer you a discount for doing this. Be sure to push for the best deal you can when paying annually.

Secure your minibus

Theft is a big risk for minibus owners. The more likely your vehicle is to be stolen, the more you can expect to pay for cover. This is because insurance providers will take into account how secure your minibus is based on a number of factors. These include – where your minibus is kept when not in use, what security features it has and the area you live in.

Get quotes from different insurance providers

This one should be obvious. Getting as many quotes as possible is one of the best ways you can save money on minibus insurance since it will help you to prevent overspending on your cover. Sites like Clean Green Cars makes getting quotes from different insurance providers very simple. You simply fill in a quote form and are then sent tailored policies from different insurance providers. You just pick the best one.

Install a dash cam

Using a dash cam is another way you can save money on minibus insurance. Dash cams can be bought fairly cheaply now and a growing number of insurance providers are offering discounts to customers who use them.

Get a limited mileage policy

If you only use your minibus at certain times and not as an everyday vehicle, then you can lower the cost of your insurance by getting a limited mileage policy. This is where you and your insurance provider agree to a certain number of miles that you’ll stay under.


Setting Up a Courier Business

The demand for couriers has never been higher than it currently is. The amount of items that are ordered online every day is staggering and somebody has to deliver those items. This being the case, it’s easy to assume that if you set up your own courier service you’d have a very good chance of success. However things are not quite that simple.

Although couriers are in high demand, the courier industry is highly competitive, with major players like Parcelforce and DHL to compete with as well as countless freelance couriers. If you are confident you can succeed in such a competitive industry though then below are some great tips for getting started.

Getting a premises

One of the first things you’ll need to do when setting up a courier firm is a business premises that you can run your operation from. When looking for the right premises you should think about how much space you need and what you’re able to afford to pay for rent. The main factors that will affect the cost of a business premises is its size and location. You might have to make some compromises when looking for a premises depending on your budget.

Getting insurance

Another thing you’ll need to run a courier business is the right type of cover. Courier insurance policies can be highly tailored to suit your individual needs.

Some common types of cover in a courier insurance policy include –

  • Public liability insurance – Public liability insurance is a must when working with the public. If your business was to face a liability claim for any reason then you would need to fight it and if you lost, have enough money to pay out in compensation.
  • Road risks – You of course need to cover your drivers for road risks too. You can choose from a third party only policy; third party, fire and theft or fully comprehensive.
  • Goods in transit insurance – Goods in transit insurance will ensure that if any of the goods you’re transporting are lost or damaged, then you’d be compensated for the value. This is an extremely important type of cover, especially if you’re transporting valuable goods.
  • Breakdown assistance – It’s vital that you have breakdown assistance included in your policy too. This way if any of your drivers were to break down, you can ensure that they’re back on the road again ASAP.

Setting up a Private Hire Taxi Firm in Combe Martin

If you have experience working as a taxi driver then you’ve probably considered setting up your own taxi firm at some point. Setting up a taxi firm does require a lot of work and the industry is very competitive so it’s certainly not for the feint of heart.

If this doesn’t deter you then below are some of the fundamentals of setting up your own taxi firm.

Setting up an office

It is possible to run a private hire taxi firm from a home office, providing you have the right radio equipment. That being said, it will hardly present an ideal scenario, especially if you have a family. Therefore you’ll want to look to invest in a business premises for your head office as soon as you can.

A good premises for a taxi office is one that has enough space, is well located and is reasonable safe. You should always rent your office to begin with so you can be sure that it’s a good fit for your needs. If you’re happy with it then you can always invest later on.

Hiring drivers

Hiring drivers is an extremely important part of running a successful private hire taxi firm. You should aim to hire drivers with a mix of vehicle types. Although regular cars will account for a lot of the taxis you use, you’ll also want to hire drivers who have their own minibus too. The big advantage to hiring owner drivers is that they’ll also have their own vehicles so you don’t need worry about taking minibus insurance etc. which can be very costly, especially when you have multiple vehicles to insure.

When hiring drivers you should also take their age and driving experience into account. Background checks are always a must too.

Getting insurance

When you run a taxi firm you’ll need to get a tailored policy to help protect your business. In addition to having cover for your business premises you’ll also want to ensure you’re protected for liability claims – both from the public and your drivers.

There are many excellent providers of motor trade insurance online and getting quotes is a very quick and simple process now.

Getting Car Insurance When You’ve Been Declared Bankrupt

If you have been declared bankrupt then you’re probably already aware that it can greatly impact your ability to find car insurance at a reasonable rate. Insurance providers make decisions based upon risk and people who have been declared bankrupt are considered higher risk.

If you’ve been declared bankrupt in the past or you intend to apply for bankruptcy soon then the good news is that finding car insurance at an affordable price is not as hard as it seems. There are specialist providers of convicted drivers insurance who can offer you a fair policy based on your circumstances.

Where to find cover

Sites such as Conviction Insure make it easy for you to get quotes from specialist providers of convicted drivers insurance.

Reasons to get your cover online include –

  • Easily tailor your policy – One of the major benefits of getting your insurance online rather than over the phone is that you’re able to take the time to think about what type of policy you want and easily tailor it accordingly. This way you can ensure that you get the right policy for your needs.
  • Get quotes easily – Another big benefit of getting convicted drivers insurance online is that it makes it very easy to get quotes from different insurance providers. Getting a lot of quotes is one of the best ways to save money on convicted drivers insurance so this is a very compelling reason to get your cover online.

Ways to save money

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  • Limit your cover options – One of the easiest ways to keep the cost of your insurance down is to limit the cover options on your policy. The cheapest type of policy you can get is third party only. Although this is very bare bones and doesn’t provide any real protection for your own vehicle, it does make your car road legal. 
  • Have somewhere secure to park – Parking your car in a driveway or garage will always make it cheaper to get insurance than if it were parked on the street. This is simply because cars parked on the street are much more likely to be targeted by thieves and vandals.
  • Consider paying upfront – Most people don’t consider this option since it does mean paying a big sum at once. However doing this will enable you to make quite a significant saving with the majority of insurance providers.

The Keys to Running a Successful Taxi Operation

Running a taxi firm comes with many unique challenges. As with running any type of business, you have to balance several things at once to make sure you stay competitive and grow your reputation.

Below are some of the fundamentals of running a successful taxi operation.

Finding the right location for your head office

Choosing the right premises for your head office is extremely important since it’s where your entire operation will be run from.

Ideally your head office will be –

  • In a good location
  • Secure
  • Affordable

Getting insurance at the best price

In order for your taxi firm to be successful, you need to keep overheads to a minimum. Cutting the cost of your taxi insurance is one of the best ways to do this.

Below are some good ways to keep the cost down.

  • Get a lot of quotes – Getting a lot of quotes is one of the most fundamental ways you can save money on taxi insurance. With so many insurance comparison services out there now, there’s no good reason not to do this. It’s always recommended that you get your insurance from a specialist provider too, since they’ll be able to offer you a tailored policy that’s suitable for your business and at a competitive price.
  • Make your vehicles secure – Another excellent to keep insurance costs down is by making your taxis as secure as possible. This means installing trackers/immobilisers/in-car CCTV. Anything you can do to make your vehicles and your drivers safer will help to minimise insurance costs so it’s worth the initial investment in security measures.

Finding the right drivers

Finding the right drivers for your taxi firm is important for few key reasons –

  • They help or hurt your company reputation – This point is extremely important. Your drivers are essentially the face of your business since they’re the ones who will be interacting with your customers. Therefore you want to hire friendly, reliable, competent drivers who are going to create the best possible image for your company.
  • They will affect the cost of your insurance – Another key reason that hiring the right drivers is so important is because they will affect the price you’ll pay for your taxi insurance. It makes sense when you think about it since inexperienced, unreliable drivers are much more likely to be involved in incidents where a claim will be made on the policy.

Insuring a Fleet of Vans

If your business makes use of vans then you’ll already know that insurance can be one of the biggest expenses. If you have separate policies for your vans, even if you only have 3 or 4, then you could save yourself a lot of time and stress by getting them insured together as a fleet.

Benefits of fleet insurance

Below are some of the biggest benefits of fleet insurance –

  • It’s cheaper – One of the biggest benefits of fleet insurance compared to insuring vehicles separately is that it usually works out considerably cheaper. Insurance companies prefer when you spend more upfront so getting a larger policy that covers all your vehicles compared to separate policies for each works out better for everyone.
  • It’s easier to manage – It makes sense that getting one policy that covers all your vans will be easier to manage compared to insuring them under separate policies. Running a business already comes with enough headaches so at least insurance doesn’t have to be one.
  • Insure multiple types of vehicles – Maybe your business has a mix of vans and cars that you want to insure together. The beauty of fleet insurance is that it’s very flexible and enables you to insure multiple vehicle types of varying values all under one policy.

Keeping costs to a minimum

  • Get multiple quotes – Sites such as Cheap Fleet make it very easy to get van fleet insurance quotes from specialist providers. By getting quotes from many providers, you are able to easily compare them and choose the one that’s the best value for money.
  • Make your vehicles secure – Making your vans secure is one of the best ways to save money on fleet insurance. By lowering the chance of your vans being broken into or vandalised, your insurance provider will be able to offer you a quote at a lower rate.
  • Hire reliable drivers – Another key way to minimise what you pay for van fleet insurance is to hire reliable drivers. Hiring drivers who have a good amount of experience, are over the age of 25 and who have a clean driving history will go a long way to reducing what you spend on your insurance.
  • Pay for the policy annually – Most people choose to pay for insurance monthly to help spread the cost and reduce what they’re paying upfront. However if you are able to pay for your policy upfront then you’ll be able to negotiate a significant discount.

A Guide to Buying & Selling Cars Successfully

If you have an entrepreneurial spirit then there are countless ways you can make money. One of the best ways to make money if you have a passion for cars is by buying and selling them. Although buying and selling cars for a living certainly isn’t easy, if you’re good at it there’s great scope for growth and long-term success.

In the guide below you’ll find information on the most important practical considerations as well as some of the biggest keys to success.

Practical considerations

Below are some of the main practical things you’ll need to take care of in order to make your venture a success –

  • Premises – Although you can certainly start out selling on a small scale from your home, in order to scale your business properly, you’ll definitely want to invest in a premises sooner rather than later. When it comes to finding a good business premises, there are certain key things into consideration. The most important of these are location, security and cost. Weigh up these factors and decide if a location is right for the type of business you want to run.
  • Insurance – When you’re dealing with a lot of cars on a regular basis, you’ll need to get a motor trade insurance policy to ensure you’re properly protected. Motor trade insurance will protect you for road risks as well as fire, theft and liability claims, depending on the level of cover you get. It’s always a good idea to get multiple quotes when you’re looking for motor trade insurance to ensure you get the best deal.

Keys to success

Below are some of the best ways to succeed when buying and selling cars –

  • Know where to buy – When buying and selling cars, the key to making a good profit is buying low and selling high. This principal of course applies to most kinds of businesses that sell products. In order to get cars at the best price, you should diversify where you buy from. Buying privately is always a good bet but you shouldn’t neglect other options, such as car auctions too.
  • Make security a priority – When you’re selling something valuable such as cars, you need to make security a priority. You should take steps to make your premises as secure as possible, including having an alarm, security lights and CCTV installed.


Do Convicted Drivers Pay More for Car Insurance?

Paying for car insurance is something that most people would rather not do. It can seem like an unnecessary expense, especially if you’ve never had to make a claim.

However the cost of car insurance is based on a number of factors and one of the biggest things that can increase the cost of cover is having a criminal conviction.

There are many types of common driving convictions in the UK, with the most common by far being speeding. If you do get convicted of speeding then you can expect the cost of your car insurance to increase. The reason for this is that insurance providers consider people who have a conviction to be a greater risk.

Other things that affect the cost of a car insurance policy include –

  • Your age – Age is always an important factor with insurance providers when it comes to cost. Younger people generally pay considerably more than drivers over 30 since they’re more likely to be involved in accidents where a claim is made.
  • Where you park your car – Where you park your car is another important factor when it comes to cost. Having a secure garage to park in would be ideal and lower the cost of your insurance considerably compared to parking on the street.
  • How much your car is worth – The total value of your car is one of the biggest things that will affect how much you pay. A modestly priced car that’s worth £1,000 say will cost considerably less to insure compared to a car that’s worth several thousand.
  • Other named drivers on the policy – Adding other drivers to the policy can increase it’s price quite a bit too. How much extra you pay will depend on the person you want to add. For example a person with a lot of driving experience, who is over 30 and has no convictions will cost less to insure than a young driver with little-to-no experience.
  • The level of cover you take out – The level of cover you take out is another big factor that will affect how much you pay. If you want to save money then a third party policy would be the best option.

Are there convicted drivers insurance specialist providers?

Yes. Luckily there are sites where you can get quotes from specialist providers of convicted drivers insurance. Conviction Insure is one such site and enables you to get quotes from many providers simply by filling out one quote form.


How to Become a Taxi Driver

Thousands of people in the UK make a living as a taxi driver. Working as a taxi driver can be stressful but also comes with many perks, such as constantly meeting new people from all walks of life and not having to be stuck behind a desk all day.

If you’ve ever thought about becoming a taxi driver but aren’t sure where to start then the guide below should prove very helpful.

What you need

  • A licence – In order to work as a taxi driver, you’ll need to a get a taxi driver’s licence. The requirements for getting a taxi driver’s licence vary depending on where you live in the UK and which council you need to apply to. In all cases though, you’ll need to pass a test to show that you’re competent enough tow work as a taxi driver.
  • A vehicle – Another thing you’ll need to work as a taxi driver is your own vehicle. It’s usually best to get a vehicle that’s less than 10 years old and reasonably cheap to insure.
  • Taxi insurance – In order to work as a taxi driver, you also need to get a taxi insurance policy. Taxi insurance usually includes cover for road risks as well as things like liability claims and breakdowns. You can keep costs down by getting a third party only policy but this will only provide enough protection to cover other road users when you’re involved in a collision that you’re to blame for.

Finding work

When it comes to finding work as a taxi driver there are certain things that will make you more employable. First of all, if you’re very young and have only started driving recently then it’s probably not going to be realistic to work as a taxi driver. This is because taxi firms generally like drivers who are considered low risk i.e. least likely to be involved in collisions or other incidents that might lead to liability claims etc.

In order to be more employable you would ideally have at least 10 years’ driving experience, have no driving or criminal convictions and have a good attitude and friendly demeanour.

Another way to make yourself more attractive to potential employers is by getting a specialist vehicle, such as a minibus.

Getting Insurance as a New Van Driver

If you’ve recently bought a van for the first time, or are planning to get one soon, the first thing you need to know is that you’ll need to get special van insurance.

Where can I get van insurance quotes?

There are many places online that you can get van insurance quotes easily. For example, enables you to get van insurance quotes from a panel of specialist providers in a matter of minutes.

What type of cover can I get?

Below are some of the main types of van insurance cover you can get –

  • Third party – Third party insurance works the same way for vans as it does for cars i.e. other parties will be covered for collisions where you’re liable. This is the minimum level of cover you need to drive your van legally.
  • Comprehensive – A comprehensive policy will cover your vehicle for all types of collisions, even those you’re liable for. This provides the most protection.
  • Breakdown assistance – Breakdown assistance is always important for van drivers. You might already have breakdown cover from another provider but it’s still worth checking how much it would cost to have it included in your policy as you might be able to save money.
  • Goods in transit – If you use your van for transporting goods, for example if you work as a courier, then goods in transit cover is a must. This will cover the contents of your van for theft and damage.

How can I save money?

Below are some of the best ways to save money on van insurance –

  • Park your vehicle securely – One of the best ways to keep the cost of van insurance down is to park your vehicle securely. Ideally you will have a driveway where you can park your vehicle as this makes it much more secure than parking it on the street. You should also take any steps you can to make your van itself more secure.
  • Pay annually – If you can pay for your van insurance annually rather than monthly then you should be able to make a significant saving on the overall cost.