25 Feb 12 How Does Being Self-Employed Affect Car Insurance Rates?
Everyone’s car insurance premiums are determined based on several personal factors, including your work situation. if you are self-employed, you may need to answer some additional questions regarding the type of work you do and how your vehicle figures into your business. Being self-employed does not automatically cause your rates to go up or down. Insurance companies ultimately set your rates based on your risk of needing to file a claim, not your employment situation.
It Depends on Your Business
The type of work you do plays a large part in how it affects your car insurance rates. if your business keeps you home most of the time, you will probably pay less for car insurance than someone who doesn’t own a business. if you drive your car long distances for work-related errands, you might pay a little more than someone who only commutes twice a day. What you carry while you are driving is also important to determining your rates. if you regularly transport valuable items, your insurance could be more expensive. Businesses that require you to transport passengers as part of your work might also cause your rates to go up.
Your Liability Extends to Your Personal Business
Remember that any time you are driving your personal car for business-related purposes your business can be liable for damages in an accident. Personal insurance policies can be limited in what they will cover when the car is driven for work purposes. the other party involved in the accident does have the right to sue your business to recover any damages that were not covered by your personal insurance policy. any time you drive your car on a business errand your business assets are on the line as well as your personal assets.
Keeping a Mileage Log Could Lower Your Rates
If your car insurance rates are higher due to your self-employment, there are some things you can do to help keep them as low as possible. Keep track of the number of miles you drive every day, and make sure you mark which miles are related to business and which miles are personal use. Let your insurance company know about your driving habits and show them that the car is not driven for business purposes very often. you could earn a discount for driving fewer miles, or your insurance rates might go down because your car is not used for business very often.
When to Consider Purchasing Commercial Coverage
If you use your car more for business purposes than for personal purposes, you should consider purchasing a commercial car insurance policy. the commercial policy provides specialized coverage for your business and will help protect you from lawsuits if you are involved in an accident. It is time to start thinking about a commercial policy if you use the car to transport merchandise or travel for work-related purposes more often than you use the car for personal reasons. you should also consider commercial coverage if you have an employee who drives the car for business reasons. Commercial coverage might cost a little extra, but it provides extra protection that could save you hundreds or even thousands in the end.
CompareCarInsuranceRates.org wants to remind you that we call all save money if we just compare car insurance rates among several companies.
19 Feb 12 Real estate agent will allow you consider the real estate you dream about
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31 Jan 12 Revved for first Autofest
CAR lovers from as far north as Townsville and south to Brisbane are getting ready for the inaugural Benaraby Autofest which will be held on February 19 at Benaraby Raceway.
a fundraiser for the upgrade of the track organiser Ben Kirk is anticipating the weekend.
"I have been very busy," Kirk said.
"from organising dirt for the freestyle track, to machinery for the 4WD track, paperwork and insurance there has been a lot to do.
"I have a group of friends who are helping which is great, but it's still a lot of work."
The rain that has been hitting the region has also left Kirk worried; with just over two weeks until the big event the sun needs to come out.
"I have been pulling my hair out with this rain," Kirk said.
"if it sticks around we will need to put our street events back a month. The 4WD stuff would still go ahead.
"Hopefully though this will all be gone in the next week and we will have sun and a great weekend."
following on from this year's event Kirk is hoping to see it back bigger and better in following years.
"The aim is that this will become an annual event," Kirk said.
"it would be good to see some more support from local business in the future.
"I am guessing that once they see how good this year's event is they will decide to support us more in the future."
Although the support of businesses has not been what Kirk anticipated the support from the community has been great.
"I have had so much interest from people wanting to participate in events," he said. "plus all of these people will bring along family and friends to support them.
"so we are expecting a decent-sized crowd."
Kirk is hoping the funds raised will reach close to $20,000, allowing for prize money and a large donation to the Benaraby Raceway upgrade.
For more information visit benarabyautofest.com or phone Ben Kirk on0437 907 359.
27 Jan 12 FSA slammed as data show IFAs ‘cannot pay’ Arch Cru redress
Any attempt by the Financial Services Authority to set up a consumer redress scheme and push responsibility for compensation onto IFAs would fail and could push a number of advisory firms out of business, according to law firm Regulatory Legal.
Data obtained by the law firm through credit searches and annual accounts from a sample of 85 firms who recommended the products, show a combined net asset value on the balance sheets of £6.3m.
According to Gareth Fatchett, partner for Regulatory Legal, this suggests any attempts by the FSA to raid PI insurance pots and set up a consumer redress scheme over Arch Cru would fail or, if it were pursued, could force advisers into insolvency.
He claimed the amounts on the balance sheets of the firms concerned indicates that any PI cover for these firms would come nowhere near to the amount needed for a consumer redress scheme. The list of firms, obtained by Regulatory Legal and seen by Financial Adviser, showed a wide range of NAVs, with some already more than £200,000 in the red and others with assets of up to £700,000.
Mr Fatchett said: “without insurance, these firms are effectively dead. It shows the FSA is wasting its time going after the IFAs. It seems all the regulator is doing is raising the expectations of the investors and hitting IFAs on the head with a nuclear weapon. having a go at IFAs is futile. The claims will just end up with the Financial Services Compensation Scheme as these firms cannot afford to pay.”
Neil Pointon, director of Howden Insurance Brokers, which arranges PI insurance cover for IFAs, urged advisers to check their policies, warning some may not be covered for claims relating to Arch Cru.
He said: “It would depend on the policy wording – there is no standard position in the market. there could be insolvency exclusions and it could depend on at what point the insurer was notified. It is always wise to notify the insurer first, rather than proceeding to act as self-insured all the way through. regardless of whether or not the insurer has been notified, the question is whether the IFAs will be found liable. The PI policy will only pay out if the insured has been found to be negligent. I believe that, if this is anything like the way the Keydata issue was handled last year, the FSA seems to be trying to pin this on the IFAs selling the products, based on the fact that advisers should have carried out due diligence on the products. At this point in time, I see no evidence that this is the case.”
Damian McPhun, partner in the insurance group for law firm Beale and Company, who is helping PII firms work through claims on Arch Cru from IFAs, said: “More providers have an exclusion based on insolvency or specifically Arch Cru than those that do not. This does not mean insurers will use it. Insurers will also consider the business relationship with the client and the underlying claim. there will also be a consideration of reputation issues.”
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