The simple answer is yes, we do offer comprehensive HGV insurance.
As the name suggests, comprehensive HGV insurance policies provide additional cover. Over and above fire, theft and damage to other vehicles and property, your comprehensive HGV insurance policy will cover you for the repair of your vehicle. Also included are any towing costs, return of your HGV after it has been stolen, changing locks and replacing keys. For an additional nominal fee, we can also include public liability protection, breakdown cover, hazardous goods cover, European driving cover, and legal expenses cover. You may also specify cover for any trailers, even when they are not attached to your HGV and are stored in your depot.
A Nova Insurance Third-Party HGV policy will cover you for fire and theft. In addition, you will have cover if you damage another vehicle or it is written off. It also covers damage to property, any injuries to others involved in the accident, and damage as a result of theft.
Nova Insurance fully understand that you depend on your HGV for your livelihood and, as such, our policies cover this as far as possible. We offer two kinds of HGV insurance: third-party, fire and theft and comprehensive.
The cost of your gift shop insurance will depend on your business activities, location of your business, goods sold, turnover, numbers of employees and the amount and type of covers you require to protect your gift shop. Like most insurances, generally the more cover you require than the higher the premium.
It is important for green grocers to have insurance to cover them against day-to-day risks, such as stock or property damage. If you don’t have any protection, you may have to pay for any legal and compensation fees made against your supermarket, which can end up leading to bankruptcy.
Grocery shop insurance, or green grocers insurance, protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.
If you lose your licence, you may be unable to work and experience temporary loss of income if you aren’t an insured person. Authorised and regulated loss of licence insurance can help you cover your living expenses while you are unable to work or are looking for an alternative career
This is very much dependent on the nature of your business which can include variables such as location, value of stock, turnover, number of employees and additional services offered. We tailor your insurance policy according to your requirements so you can get on with running your business
It doesn’t matter what kind of floristry you do. All kinds of florists need protection for their stock and premises – including wedding florists, corporate event florists, and freelance florists specialising in funerals, parties, and other events.
You can pay for any of our policies using all major credit and debit cards, finance or bank transfer (BACS)
