The Importance Of Truck Insurance

Mollys Guide

Having truck insurance is something that is required by law today; that is, it is mandatory.

In addition to the fact that a vehicle must be insured to circulate legally, cargo and transport trucks also require civil liability insurance.

Another reason why having the best truck insurance is crucial is the cost of a trucking company. In a company, there are usually several trucks. Dangerous goods are sometimes transported and generally with different drivers.

When we add vehicle maintenance, repairs, and mishaps, the best option for a company with a large fleet of trucks is good coverage.

What is the Most Common Truck Insurance?

Depending on the type of company and the cargo you transport, some needs or others may arise. To give you a little idea, we will mention some of the most common insurances in transporting goods.

Cargo Insurance

It covers any damage that may be present in goods transported by trucks. Regarding the price, it will depend on the transported load, according to the volume or risk it entails.

Comprehensive Insurance

This is the most expensive insurance, but it can meet all your needs if there is a problem. In this case, the insurance covers the coverage of third parties, cargo, drivers, and trucks.

Trailer Exchange Insurance

This insurance is already a bit more specific, as it only applies to trucks with trailers. If the trailer is damaged, stolen, or lost for any reason, this is the best insurance for such freight.

Civil Liability Insurance

As we discussed earlier, this type of contract is mandatory. It is well-known third-party insurance. This may be the cheapest truck insurance. It covers the damage that your vehicle can cause to anyone in all types of accidents.

Collision Insurance

This is another type of insurance with broad coverage, for example, not only in the event of an accident but also in the event of a fire, vandalism, or natural causes such as floods.

Necessary Data to Hire Truck Insurance

When hiring Truck Insurance, we must complete and deliver a series of requirements and documents so that everything is in order. On the one hand, our data, and on the other, the respective ones that serve to ensure the truck itself.

Personal Data

In the personal data section, the insurance company will need the following information:

Personal Data of the Policyholder

The essential data for any paperwork process are the following: name, surname, ID, date of birth, sex, address, and profession. Therefore, when you go to sign insurance, this is the primary information required of you.

Personal Data of the Owner of the Insured Truck

If the policyholder is not the owner, they must provide the same information mentioned above.

Personal Data of the Vehicle Driver

The truck driving license will be added to this data. The insurance company will want to know other information, such as whether the driver’s license has ever been withdrawn and even the age of the driving license itself.

Finally, to contract insurance for the transport of goods, some additional data is added to the truck, such as the vehicle’s brand, its registration and registration date, and the use that we will give the transport, among others.

Truck Data

When contracting truck insurance, the insurance company requests a series of data necessary to carry out the corresponding procedures.

Type of Truck

First, we have to indicate the type of truck that we are going to insure. This can be rigid or tractor head. Next, we will see what the differences are.

Rigid Truck

These are those in which its structure consists of a single piece.

In this case, the insurance company will also request your cargo, which can range from four to more than 35 tons. This parameter is relevant since it largely determines the final price of the policy and, as such, is one of the main factors when evaluating it.

Tractor Head Truck

These are articulated trucks whose primary purpose is to drag one or more trailers to carry the load.

Use of the Truck

Another aspect that must be indicated is how the truck is used, whether public or private, that is, private. The public refers to the fact that the goods transported are for third parties, and in this particular case, the transport would be with their interests.

Scope of Circulation

In the same way, it must be detailed where the truck’s driving will take place, that is, what will be the scope of its circulation. This scope can be differentiated into the following categories:

  • National scope.
  • National and Portugal.
  • Within the European Union.
  • TIR (International outside the EU framework).
  • Insularly.

This is another parameter to consider since it also determines the final price of the insurance, whose absolute value varies depending on the area where the truck will circulate.

Type of Goods to Transport:

Likewise, the goods to be transported in the vehicle must be specified. They differ between general, arid, and dangerous.

Regarding general merchandise and dry goods, it is not necessary to consider anything special. However, in the case of dangerous goods, you should remember that the insurance company may ask you to provide other information about them to guarantee their quality.

Truck Age:

Obviously, the older the vehicle, the more expensive the policy can be, and some insurance companies may not even consider insuring trucks that are older than specific years.

Finally, the estimated value of the truck must also be specified.

How to Protect Your Trucking Business

Mollys Guide

How do you know that your trucking business isn’t ready for a major accident? In many cases, people get the answer to this question when it’s already too late. The police call you and the driver involved, ask you to show some documents and shoots endless questions. It is then that you realize how crucial it is to protect your trucking business. Even the smallest mistake may result in a catastrophe, leading you to shut down the business once and for all. But you wouldn’t want to do that. Therefore, you need to know the different ways to protect your trucking business. From talking to the police to handling insurance matters, you need to do everything step by step. Here’s a guide that can help protect your business.

1. Take care of the driver

It’s crucial to save your employee first. Don’t go into the legal complications as soon as you find out that one of your trucks met with an accident. Reach the accident scene and make sure your driver is safe. Call paramedics for immediate medical help. Also, don’t forget to secure the cargo in the truck. It’s best if you already keep an accident kit in each truck to stay prepared for such unforeseen events. The kit should include the following:

• Flashlight
• First aid kit
• Identification cards
• Vehicle registration
• Road flares
• Basic tool kit
• Dashcam
• Pen and paper

Train your drivers beforehand on how to react if they meet with an accident. They should know how to use the above things in emergency cases. Also be sure to have adequate truck insurance in place to reduce unforeseen expenses due to vehicle accident

2. Don’t say anything that can go against the driver in court

Remember, you are the manager. It’s your responsibility to keep calm in the situation and not say anything that the opposing lawyer may use in court. You and the driver should insist on talking to your lawyer instead of talking to the police. Make sure you train all your drivers to keep a calm head when the police interrogate. They shouldn’t say things like “I’m sorry,” “I wish I would fix the wiper (or any part of the car), or “If only I did this and that, I could have avoided the accident.” These are strict no-nos. Prepare mock situations to prepare the drivers about what questions they can expect and how to answer them tactfully until the lawyer arrives.

3. Maintain your trucks

Precaution is better than cure. Why take the risk of meeting with an accident when you can avoid it in the first place? One of the best ways to save your trucks and your trucking business is to maintain the trucks every month. Take them to the nearest service center. Service centers usually provide 20 or 25-point checks to inspect various parts of the vehicle to rule out problems. This would eliminate the risks of your trucks being the cause of an accident. You can’t control the reckless driving of other motorists on the road. But you can certainly maintain your trucks so that they don’t malfunction during a trip and cause an accident.

4. Contact the insurance company

Don’t wait for days to call the insurance company. Remember, your business is at stake, and you wouldn’t want to go bankrupt because of an accident. Sometimes, insurance companies guide you with what to do after an accident so that the incident doesn’t tarnish your company’s reputation. They will cooperate with you to reduce your financial impact on your trucking company.

Apart from dealing with car insurance, you should also check the cargo in the truck. You should take a look at whether the cargo was damaged or not. If it was, you should talk to the insurance company about the possible coverage you can get. Every trucking business should have accident damage coverage to protect against such significant losses. Imagine carrying a truck full of medicines, and there was an accident. It resulted in a fire that destroyed the entire cargo. Imagine how much money you would lose if you don’t have insurance coverage. You may end up liquidating your assets or your business to make up for the lost money of your client.

5. Talk to your clients

Apart from insurance and truck maintenance, your clients can also help protect your trucking business. If you have offered top-notch services so far and the accident was a genuine mistake, you can ask your clients to speak about your quality of service on your behalf. They can vouch for your company to the judge or the police to save your business. But make sure you keep a good rapport with your clients even when they don’t hire your services. Small things matter, like calling and asking their whereabouts, whether they need to shift anything in the next few days or not, and requesting them to provide reviews about your services on social media.

6. Gather records

Always try to keep your records ready before the police interrogate. It becomes easier for you to answer the questions and your lawyer to set up the case. These records act as supporting documents while defending a case against one of your drivers. Keep the following records ready before you talk to your lawyer or the police:

• Disciplinary history of the driver
• Driver records
• Logbooks that mention the working date and duration
• Electronic monitoring of the trucks
• Training program documents, if any
• Proof that you had implemented the training before appointing the drivers to work
• Proof that you occasionally checked whether the drivers follow the rules discussed in the training program

It takes months of planning to start a trucking business. In fact, you also need a significant amount of money to start this type of business because you need to buy trucks, hire drivers, and keep the trucks safe. Don’t let so much hard work go to waste because of one accident. Learn to protect your trucking business by following the tips above. You can talk to a lawyer to get an idea of what you should and shouldn’t do to keep your business reputation intact.

Why Travel And How To Find Creative Ways Of Doing It

Mollys Guide

Travel is something many people can’t get enough of. There is an urge to see more and more places, to go as far as possible, and to come back to share our experience with our peers. In fact, the question isn’t why travel, but rather how to be able to do it more and for longer periods.

Depending on how many days of paid vacation you can take from work, you can either use them all at once or divide them into two or even three vacations per year. If you can’t take paid leave days from your work, you’ll have to ask for several days off every time you want to go on a trip. If this isn’t an option, you may consider a change of career. There are lots of jobs that require traveling, so all you need to do us to find those jobs and to make sure you qualify for them. You can be a travel agent, a flight attendant, or a sales representative. You can also work as a travel writer for National Geographic or another renowned travel publication. However, this requires that you know how to write and you have an innate talent of finding the right words.

The alternative is to find work you can do from anywhere in the world. Working online will enable you to travel as much as you want, provided that you have access to an internet connection. Blogging and vlogging are two of the things many people are quite successful at. You can start a travel blog to show people how to visit different places in the world. You can earn money with your blog by displaying advertising or by selling tours, accommodation and place tickets. There are many affiliate programs that cater to travel bloggers, so you’ll only need a steady flow of targeted traffic to start making sales.

To travel more, you can decide to cover areas that are closer to your base location. Instead of wasting time and money on long haul flights, you can drive to the most famous tourist locations in your neighborhood. This is something you can do even during weekends, should you find it difficult to take days off of work. After you cover all interesting places, museums and tourist objectives in your state, you can move on to a neighboring area to see what you can find.

If you have to fly, research the best itineraries, so that you can cover several places in one go. If, for instance, you wish to see some Greek islands, research ferry schedules and create an itinerary that would cover three or four islands instead of spending all your time on Santorini and Mikonos.

In terms of budgeting, you should know that there are accommodation options for virtually any budget, no matter how small. You may even use couchsurfing to find free accommodation. House sitting is another way you can have a home all to yourself for one or two weeks at a time. You only need a strong desire to see the world to take advantage of all these opportunities to travel.

Your Guide To Tourism Australia

Mollys Guide
Are you planning to visit the land down under? If you’re thinking about taking a trip to Australia, you’ll want to learn more about this continent. Australia is massive, and you won’t be able to see it all in just one visit. However, if you start exploring your options now, you’ll be able to plan an amazing visit to Australia.

Deciding Where To Visit

There are sights and attractions to enjoy all across Australia. Whether you choose to visit Queensland, New South Wales, or Western Australia, you’ll have no shortage of things to see and do. Because of this, you may want to spend some time researching Australia before you make any plans for your visit.
Many people that visit Australia visit one of the continent’s major cities, like Sydney, Melbourne, Adelaide, or Perth. If you take the time to research Melbourne or any of the major cities, you’ll be able to find various Melbourne bus charters you can book to get around and see all the sites. Once you know which part of Australia you want to visit, you’ll be able to make more concrete plans.

The Best Things To Do

Australia is home to a wide range of attractions, which means virtually anyone should be able to have a great vacation here. If you’re interested in soaking up the sun, you may want to visit Bondi Beach or Fraser Island. If you want to experience Australian culture, why not take a visit to the Sydney Opera House?
If you want to see more of Australia’s wildlife, you could visit Daintree National Park. If you’re a fan of museums, you could schedule a trip to the Australian Museum in Darlinghurst. You could even explore the East Arnhem Lands and go on a safari!
No matter what your interests are, you’ll be able to make your Australian trip the vacation of a lifetime. Take a look at the top attractions in the part of Australia that you’ll be visiting. From there, you can start planning the itinerary for your trip.

Preparing For The Weather

The weather in Australia will vary based on the part of the continent that you’re in. Northern Australia has a tropical climate and warm weather all year-round. In southern Australia, summers are fairly mild, and winters tend to be cold and rainy.
It’s important to remember that in Australia, winter is between June and August. Summer takes place between December and February. You should keep this in mind when you’re making travel plans.
You should also take extra steps to protect yourself from the sunshine, especially if you’re visiting Australia during the summer. Because of Australia’s location, UV rays can be especially damaging. It’s important to wear sunblock while you’re outdoors. You may also want to protect yourself with a hat and sunglasses.

Choosing Your Accommodations

You should make sure you have a great place to stay while you’re in Australia. If you’re going to be in a major city, you’ll have a wide range of hotels to choose from. It’s a wise idea to read reviews for some of these hotels so that you can find your best choices.
In addition to choosing a hotel that’s well-reviewed, you’ll want to look at the location of any hotel you’re considering. Make sure you’ll easily be able to reach the restaurants you want to dine at and the other sites you want to see.
Australia is an exciting place to visit, but it’s important to remember that it’s also a massive continent. A vacation to Sydney will be very different from a trip to Tasmania! If you look more closely at tourism in Australia, you’ll be able to plan out the perfect trip for you.

Are You Considering Australia Tourism? There Are Many Good Reasons To Go!

Mollys Guide
Without a doubt, Australia a country that is simultaneously remote, intriguing, and highly developed. The only country-continent in the world has abundant wildlife, numerous natural wonders, mindboggling beaches, and huge swathes of the Outback. Whatever you’re looking for, you can find it here.
Getting here is no small feat. It’s a long way from nearly everything, and a lot of the flights can be pretty pricey. Still, it’s worth it once you get here. The natural wonders alone are worth the trip. The Great Barrier Reef is the only living thing noticeable from space with the naked eye. Uluru is a spectacular and sacred site. Kakadu has wondrous tropical diversity, and the Blue Mountains are always astonishingly beautiful.

The diversity isn’t just in nature

as Aussies have a high quality of lifestyle with many cultures represented in this welcoming nation. They’re passionate about being outdoors, they’re relaxed to the point of being charming, and the art scene alone is rich and vibrant. If beaches are your thing, then you have to come. Are 23,000 miles of coastline enough for you? There are more than 11,000 individual beaches. Cable Beach, Hyams Beach, Kirra Beach, Shelly Beach, Four Mile Beach, and Whitehaven Beach are all options to consider.
Australia has more space and land than Europe, but also less than 30 million people overall. Still, even with a low population density, Aussies like being close together, which is why over 80 percent of them live in cities. Melbourne is unrivaled for its coffee culture, and while Sydney vibrates with culture and beach lifestyle.
Beating the heat might be just enough reason to cross the equator and visit the land of Oz. Seasons are reversed when you switch from the northern to southern hemispheres, meaning winter travel will put you in Australia’s summer. Likewise, if you visit during your European or North American summer, you can enjoy much milder weather while Down Under.
If all those reasons weren’t enough to convince you that Australia tourism should be on your bucket list, consider that you can throw in another continent too. That would be Antarctica of all places. Several major cities across the continent feature day-long flights that head south to the last place on Earth. You won’t land, but you’ll get to view the ice-covered southernmost land on Earth from your windows for a few hours before heading back.

If you’re into outdoor adventure

The Blue Mountains feature skiing and snowboarding, which can also happen down in Tasmania, just outside the city of Hobart. Surfing and snorkeling are obviously prevalent with so many miles of beaches around the long coastline. Scuba diving is also available in many locations, and the Great Barrier Reef simply can’t be passed up if you can do it.
The wildlife alone is amazing too. From kangaroos to koala bears, the critters you can see here are unlike those around the world. The zoos and botanical gardens across the continent are likewise very different from anything else you might be used to back home. If you’re brave enough, the dining experiences available might also be considerably different than what your palette is accustomed to.
Australia is also increasingly renowned for its wine production and selection. While the biggest vineyards do export their wines around the world, it’s only here that you’ll get the best selection. So, if you’re an enthusiast for good and even great wine, you’re sure to love visiting the many vineyards around the continent and sampling the wonderful variety available to those who like to drink.
As you can now see, there are many great reasons to partake in Australia tourism for your next vacation.

Great Travel Options and Reviews

Mollys Guide

Hi all you travellers out there, welcome to my new and refreshed blog specifically related to all great ways to get around the country very cheaply.

As most of you know how great it is to travel but there comes a time when the all mighty dollar can get in the way, we here have found some of the best and cheapest ways to get around and save that cash so you can have more time relaxing on your world trips.

Hope to see you again shortly so we can dig a little deeper into all the great options available out there