Do I Need Business Insurance To journey to Work?
Do I Need Business Insurance To journey to Work
?Insurance policies forms an integral part of our day by day existence. With the various insurance providers and the different insurance policies to choose from, it comes as no surprise that many individuals find insurance coverage to be confusing and maybe even a little complicated!
Motor insurance is just about the most commonly encountered type of short term insurance coverage, but even this type of insurance can be confusing! With the various kinds of insurance coverage obtainable, which range from the basic third party insurance policy to the all-inclusive comprehensive insurance, the client is bombarded with so many products and options to select from that it really gets too much to handle!
Business car insurance is no different - it can be puzzling!
The most basic way to describe business car insurance is as follows: Any time you use your private vehicle to visit customers or to conduct your business, you are in fact not using your vehicle for private use, but for business use. Therefore you require business insurance. It does not matter if you are self-employed or work for a boss, when your vehicle is utilized for any business purposes (this excludes travelling to work and back!) you will need to obtain business car insurance.
Understandably, there are a lot of professionals who are not pleased with this type of insurance. For starters, business insurance charges are higher than personal insurance. The explanation for this is that simply because you are on the highways so often, the insurance companies regard you as a higher risk. Many individuals feel that using their cars for business purposes is in their cases the exception rather than the rule and it is therefore not fair to treat them the same as, as an example, sales representatives that are traveling the entire day.
Thankfully, as with all types of insurance plans, there are business car insurance policies to meet different demands and requirements. Some insurance providers will not increase your premiums while others will allow your car to be used for business purposes at no extra cost, given that you only use the car for this purpose from time to time.
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