We have been working in the insurance industry for over eighteen years and so have a huge amount of experience on our side. Not only this, we also take the satisfaction of our customers extremely seriously, which is why if you call our customer services team you will always get the answers you need delivered in a friendly and efficient manner. Add to this the fact that we offer a premium guarantee promise and you can see why so many people chose Nova Insurance time and time again!
Archives: FAQs
What else can your builders insurance include?
At a basic level our builders insurance can help you if you are involved in an accident or become involved in legal proceedings. However, we can offer policies that cover every aspect of your business, including cover for your tools, your employees and even loss of earnings. We also work tirelessly to ensure that our clients will receive the best possible price when it comes to renewing their policies so they have affordable premiums year after year!
Do I have to be employed by a company?
Most definitely not! A number of our customers are self-employed and we have helped them throughout the years to make the most out of their businesses. If you are a one-man band or have recently started up your own company we know that your outgoings have a direct effect on your business, which is why we offer competitive prices to all our customers no matter how big or small.
Can your builders insurance protect me during large construction projects?
Here at Nova Insurance we pride ourselves on the fact that we have an in depth knowledge of our products as well as our customers, and so we have a good grasp on what goes in in the construction industry. We understand that large projects often take time to organise and have multiple aspects to them, which is why our builders insurance is designed to help you no matter what size your project or stage you are currently in.
Can you insure vehicles heavier than 44 tonnes?
Yes, regardless of how heavy your lorry is, we will be able to find you a hgv broker that covers that and more.
What exactly does HGV insurance protect?
HGV insurance is designed to deal with HGV’s, also known as Large Goods Vehicles. This type of insurance is similar to van insurance in many ways, it covers damage caused by the vehicle to others and can be scaled up to cover accidental damage to the truck and theft cover. In addition you can purchase goods in transit insurance to cover the contents you are carrying in the vehicle.
Can you provide cover for hazardous goods or locations?
At Nova Insurance we work alongside a variety of insurers who may be able to offer you a suitable level of cover which includes carriage of hazardous goods or coverage for visiting hazardous sites.
Do I need an operators’ licence to operate as a haulier or goods vehicle operator?
You will need an operators’ licence to carry goods connected with any business or trade, if your vehicle is over 3.5 tonnes, however certain exemptions apply. For further information regarding exemptions you can visit the Gov.uk website here.
Will my haulage insurance policy restrict the use of my vehicle?
Most heavy goods vehicles are used solely for haulage or delivery purposes but we understand that not everyone’s requirements are the same. Nova Insurance will search a panel of insurers and underwriters to find you the most competitive premium based on your use and can often include the use of the vehicle.
Are Nova Insurance regulated?
Nova Insurance and our panel of UK insurance providers are fully regulated by the Financial Conduct Authority. So why not start by filling in our form today to see if we could help save you money on your next insurance quote or insurance policy.