Funeral Car Insurance
Funeral Car Insurance
Funeral car insurance is designed to provide financial protection for the vehicles used in funeral services. Ensuring that your hearses, limousines, private ambulance and vans are adequately insured is crucial to maintaining a professional and seamless service for grieving families.
Why Funeral Directors Require Insurance for Funeral Cars
Funeral directors rely on a fleet of vehicles to transport the deceased with dignity and to accommodate family members. These vehicles play a critical role in funeral services, and any disruption due to accidents, breakdown, or legal abilities can be distressing. Having the right funeral car insurance ensures that you are fully covered in the event of an unforeseen incident, allowing you to focus on providing compassionate care.
Benefits Of Arranging Funeral Car Insurance
Protection For Funeral Vehicles
Funeral car insurance policies can offer protection for a wide range of vehicles, including hearses, limousines, private ambulances and support vans. These vehicles are essential to your business operations and comprehensive insurance will ensure they are safeguarded against damage, theft and other risks.
Comprehensive Coverage
Comprehensive funeral car insurance covers physical damage to vehicles, personal injury claims, and other potential losses arising from accidents. This ensures that your business remains protected and that your service can continue without disruption.
Tailored Coverage Options
We understand that funeral vehicles have unique insurance needs. Our policies can be tailored to include specific protections such as roadside assistance, breakdown cover, and coverage for funeral specific equipment.
Cover Can Be Tailored To Include:
- Breakdown Insurance: Ensuring your vehicles remain operational when needed most.
- Windscreen Cover with No Excess: Protecting your vehicle’s visibility and safety without additional costs.
- Coffin/Flower Replacement: Covering the cost of replacing funeral essentials in case of damage.
- Loss Of Use Cover: Providing alternative transportation if a vehicle is unavailable.
- Any Authorised Driver: Allowing multiple drivers to operate the vehicles.
- European Cover: Extending protection for european use.
- Motor Legal Expenses: Covering legal costs associated with vehicle related claims.
- Public Liability/Third Party Liability: Protection against claims from third parties.
- Road Traffic Act Liability: Ensures that funeral vehicles, such as hearses and limousines, have the necessary legal coverage to operate on public roads. This insurance covers third-party liabilities, meaning it protects against claims for injury or damage caused to other people, vehicles, or property in the event of an accident. While it provides legal protection, many funeral directors opt for more comprehensive policies to safeguard their business fully.
Extensions can include:
- Misfuelling Cover: Protection in case of accidental refuelling mistakes.
- Lost Keys Replacement: Covering lost or stolen vehicle keys.
- Breakdown Cover (Roadside, Onward, Home and European Travel): Ensuring support in case of a breakdown.
- Protected No Claims Bonus (NCB): Allowing you to maintain your NCB even after a claim.
- Voluntary Excess Discount: Helping you reduce your premium costs.
If you’re choosing insurance, please consider the three C’s.
Competitive Cover
Comprehensive Cover
Confidence
Why Choose David J Millers Insurance Brokers?
David J Miller Insurance Brokers Ltd has over 50 years of experience in the insurance industry. We are a trusted broker based in Lancashire. We are a family business that cares about people, instead of staying on hold for hours or contacting a call centre you will get to speak to our friendly team and get assigned your own case handler.