The Courier Insurance Quotes Specialists

<body> <h1><font color="#FFFF00"><span style="text-decoration: underline; background-color: #FF0000">Courier Insurance</span></font></h1> <p>From courier to dispatch riders the legal requirement for third party protection is clearly defined within UK law. The Road Traffic Act ( incorporating numerous amendments and additions ), makes it a requirement that a first party, the principle, arranges as an absolute minimum, third party liability cover for both bodily injury and material property loss., ( previously the law only required personal injury cover as the minimum legal requirement.), although the law does recognises and make provision for self insurance.</p> <h2>Self Insurance</h2> <p>If an individual or corporate body wishes, and is able to afford the costs to self insure they must be prepared to deposit a considerable sum of money, in accord with guidelines set out by the Department of Trade and Industry ( DTI ) ( Board of Trade ).</p> <p>Why would you want to ?</p> <p>Companies or some private individuals may have substantial assets possible an extensive fleet of vehicles, and due to size the cost to insure each year is effectively so large that the relationship between claim costs and renewal premiums are almost the same.</p> <p>Costs are made up as follows:</p> <ul> <li>Cost to cover claims</li> <li>Broker fees</li> <li>Cost to subjectively cover the exceptional claim/expense.</li> <li>Insurers administrative expenses, such as surveyors, legal fees, advise, etc.,</li> <li>Profit !</li> </ul> <p>The temptation to Self-insure may seem high, however insurers frequently provide a skilled service that may go undervalued.</p> <h3>Claim Case History</h3> <p>Everyone believes the following, but is it true ?</p> <ul> <li><a href="#someone">Someone is always to blame.</a></li> <li>If you are hit in the rear, it's their fault.</li> <li>Young drivers have the most claims</li> <li>Women have less claims than men</li> <li>High group cars are more likely to have a claim.</li> </ul> <p>someone is always to blame ? No !,  sorry i' don't agree, whilst it's true there frequently  IS someone at fault, it's not always the case. Lets take an example of a no fault incident.</p> <p>1) The farmer's tree falls into the road, you travel around a sharp bend and fail to stop before colliding with said tree.<br> Is the farmer liable? he could be if the tree was rotten and/or he should have foreseen the possibility of a motor accident occurring. But suppose there were hundreds of trees, and/or the tree was free of any sign of rot or fragile state. What if the collision occurred after lightening had just felled the tree.? Well if he had left it lying in the road? . No just say it had happened in a localised storm circa 10 minutes before. It is shear bad luck, that you are there at the wrong time. Well is it your fault?, were you going too fast?. Yes and No. Are we realistically to approach  each bend in the road with the worst case scenario caution, to travel at 5 mph because of the one in a million chance of a tree in the road. Some would argue that we should. However regardless of someone's caution if i travel around a corned @ 40 mph and find a little old lady effectively stopped ( 5 mph ) we are likely to be swapping names and address's etc. Reasonableness has to prevail.</p> <p>2) The law states that if a third party hits you from behind then it's clearly  their fault.?  err no actually, not necessarily ! - Now this may come as a surprise to many, but there is classic legal precedent involving a lady motorist and a  'pheasant'. She was driving down a straight clear road with a large vehicle behind her, when she suddenly stopped to allow the bird to cross the road with the result that the heavy commercial vehicle ploughed into the rear of her car. The judge acknowledging the need to keep a safe distance nonetheless said her driving was sufficiently reckless to find against her.</p> <p>3) Young drivers do indeed have a disproportionate number of claims when compared to other motorists, all groups except one, the over 75's who per driver have almost as many claims as the under 20's.</p> <p>4) Women have less claims than male drivers... Yes it's true, also their claims tend to be small in amount when compared to their male colleagues. However in the defense of men, it realy comes down to the fact that ladies driver less miles than men, thus it has less to do with the sexes, rather to the amount of time spent on the road.</p> <p>5) High group cars are there because certain cars have more claims than other groups. Yes and No ! - Underwriters are as likely to raise the group of a car because of the cost to repair or replace than the speed / power. For example an old Rolls Royce which statistically is unlikely to have a serious accident is still group 20 like a Porsche.</p> </body>