Pickup Truck Insurance

Deciding on what is the best pickup truck insurance policy for you can depend on a number of varying factors.

There is such a wide range of pick ups available and they can be used for various purposes, it is even more important to make sure that you are getting the best cover for your individual circumstances. You don't want to end up paying for more than you need. Or worse still, finding out too late that one of the uses, invalidated the policy.

Commercial or Private Policy?

If the pickup truck is used in connection with your business, then you must insure it as a commercial vehicle.

The details of the policy cover will be similar to a van of of equal dimensions.

Many insurers will not insure a pickup truck over a certain size on a private use basis.

You can extend the commercial insurance policy to cover tools and equipment, hazardous cargo and other modifications.

Remember it is not all about price, you first concern should be about protecting you and your business by making sure that the truck is insured against all eventualities.

Contact us today for a personalised quote and know that you are covered by the best policy at the best rate.

Or use the quote button {KomentoDisable}

Over-insurance is a waste of money and under insuring property will ultimately cost you a great deal should you ever need to make a claim.  Just as it is important to cover your premises for the right type of protection it is also important to make sure that you insure for the correct value. {KomentoDisable}

Some of the protection available:

• Property Damage Perils can include Fire, Lightning, Explosion, Aircraft, Riot, Civil Commotion & Malicious Damage, Earthquake, Storm/Flood, Escape of Water, Impact excluding own vehicles, Theft, Glass & Accidental Damage.
• Cover is available for the buildings and any contents contained within.
• Public/Property Owners Liability This covers third party property damage or injury claims brought against the insured by a third party as owner of the property. Examples could include a slate falling from the roof and causing injury to a third party.
• Employers Liability This covers claims brought against the insured as owner of the property for death, injury or illness of an employee working on the property. Examples include a temporary employee carrying out minor property repairs or a cleaner.

Commercial vehicle insurance is mandatory

for small and large businesses alike

Some points to consider:

• Luckily, commercial vehicle insurance is often sold at a bulk discount for business operators who own at least several similar vehicles. Trucking firms for example, typically do not insure individual vehicles, but rather purchase a package called fleet insurance that provides coverage for all the vehicles run by the business. The calculations that go into determining how much commercial car insurance should actually cost are complex and differ from one Provider to another.
• You could save a lot by talking to one of our qualified experts who will help put together a package best designed to give you the best value insurance for the best premium.{KomentoDisable}

What happens if an accident in my premises causes my business to

shut down while repairs are being carried out?

When property is destroyed or damaged by fire, the owner, if he or she is adequately insured, is indemnified by the payment of a sum of money which will enable him or her restore the buildings and their contents to their pre-fire condition. He or she has lost something tangible, the monetary value of which is known or can be assessed. If, however, the property was used by him or her for business purposes, he or she has also lost his or her productive capacity or future earning power which, though tangible, is of paramount importance to him or her.

For both manufacturers and traders, their normal business activities may cease or be curtailed to a degree dependent upon the extent and form of the damage. They will have suffered a loss as a consequence of the fire which cannot be assessed or quantified until some uncertain future date when they regain their earning power as a result of the reinstatement of their property or by some other means.

The following factors are considered in assessing Business Interruption Risk:

• The degree of hazard
• The exposure of the business to interruption or interference by (a) the spread of the premises (there may be two or more separate buildings but they may operate independently of each other).  The dependence of the business on a particular part of the premises e.g. a power house may be indispensable for the working of a factory
• Whether the business is a seasonal one
• The length of the indemnity period
• Specialised manufacture (difficulty in replacing specific machinery)
• Aspects of competition and the ability of the business to recover lost customers after damage to its premises{KomentoDisable}

Combine your liability insurances to get complete cover   against risks.      {KomentoDisable}                                    

A Commercial Combined Policy is, simply put: an insurance policy  designed to suit your individual business.  This type of Insurance policy will cover a wide range of  occupations and trades. Because each business is unique so too should be a combined liability policy.  It is important to discuss and quantify the requirements of your business with mypremium.ie before deciding on the cover best suited to your business needs:

• Loss or damage to buildings, machinery, general contents and stock
• Business interruption
• Money – held on the premises or by an authorised employee
• Goods in transit
• Employers’ liability – your liability at law for injuries caused to employees at work
• Public and products liability – covers injury or damaged caused to others resulting from negligent business activities
• Computers – specialist cover available for breakdown, loss of data and increased costs