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Insurance For Electric Car And Van Fleets

Insurance For Electric Car And Van Fleets

Electric vehicles are here to stay. As companies realise the benefits of running electric vehicles, there are more and more electric car and van fleets being built. But when it comes to insurance for these vehicles, what do you need to know?

Cost Of Insurance For Electric Vehicles

Currently, it is a little more expensive to insure an electric vehicle. The reasons for this are that there is not a lot of data about electric cars which leads insurers to be more cautious. The instant acceleration you can get in an electric vehicle is also of concern for insurers. However, most people in the industry fully expect that prices will drop quickly. So it is worth looking around every year when you need a new policy as you will probably be able to get a good discount.

You won’t get electric car insurance with all insurers yet. Some are being a little slow on the uptake with electric cars. Some specialist insurers are offering incentives to insure your electric vehicle with them.

Can You Get Fleet Insurance For Electric Cars?

Fleet insurance is a good way to save money if you run a number of vehicles. You can keep all your vehicles and drivers on one policy, even if the renewal dates are different. There are companies offering insurance, especially for electric fleets. Ther are some that will offer a standard policy but are willing to have electric vehicles on it. When you look into these policies, you have to be very careful that you get the right sort for your vehicles. They do exist, but you might have to do some digging.

Get A Quote For Electric Car And Van Fleets

When it comes to getting the cheapest deal, you’ll be best served by going through an insurance broker. Just Quote Me has the knowledge and contact to find you the best deal. They can often get you deal that you wouldn’t otherwise be able to get. To see what they can get for your electric car and van fleets contact them today.

When Did You Last Change Your Car Insurance?

When Did You Last Change Your Car Insurance?

If you are busy, it can be easy to forget to do anything about your car insurance. You probably got the renewal notice, and unless you could do something about it then and there you forgot. Once you realise the date has passed and it’s too late to do anything about it. You’re stuck for another year, and you don’t even know if you could have gotten a better deal. If this sounds familiar, then don’t despair.  It’s not too late to make a change.

Benefits Of Changing Your Car Insurance

Even if you go past your renewal date, it is still possible to cancel your existing policy and get a refund. This allows you to arrange a new policy at a much cheaper rate. The best lead time to starting a new policy is 21 days. The amount of money you can save by doing this will often more than cover the small amount you may lose out on by cancelling your policy.

When you just let your renewal roll on the price will slowly creep up. Even if you haven’t had an accident or claim your insurance company will add a little to your costs every year you are with them. If you haven’t changed in a few years, you could be surprised by just how much you may save by changing.

Get A Free Quick Quote

The best way to find a good deal is to speak to an insurance broker. Speaking to an expert at Just Quote Me will give you the benefit of their experience. There is no reason to pay more for your car insurance than you need to. It’s time you started looking for a quote to find the best deal out there. Stop giving your insurance company more money than they deserve.

Electric Car Insurance For Business

Electric Car Insurance For Business

How we can help with your Electric Car Insurance

With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses. For these new ways to power a vehicle you need the right insurance and this is where we can help with your electric car insurance.

How Can Electric Car Insurance Save You Money?

Having an electric car or van can help make significant savings with your insurance.  Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van insurance.

Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.

Research into Electric Vehicles

Studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.

Do you have questions about Electric Car And Van Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Electric Car Insurance For Business

Electric Car And Van Fleets Insurance

With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses to add to their fleets. Of course, for these new ways to power the vehicle, you need the right insurance; electric car and van fleets insurance.

How Can Electric Car And Van Fleets Insurance Save You Money?

Of course, for the cost of fleet insurance, there are several variables that may affect the price. However, by having a fleet of electric cars and vans, fleet managers often find that they make significant savings with their insurance.

Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van fleets insurance.

Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.

Finally, studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. While this focus is mainly for individuals, research has found that it is helping fleet managers too. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.

Do you have questions about Electric Car And Van Fleets Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

 

 

Investing in Classic Car Insurance

Investing in Classic Car Insurance

As a classic car owner, it’s likely you have a real passion for vehicles and you should want to keep them safe. As the owner and driver of a classic car (or several) you want to treat your luxury vehicle with the respect it deserves. Classic cars need specialist insurance to protect them against damage in accidents or similar. Classic car insurance is not a one size fits all option, but it can be tailored to your car’s requirements.

Defining Classic Cars

Classic car insurance is specific to a certain type of car. Typically, premiums are lower than standard car insurance but only on cars which are defined as classic. Insurers define classic in different ways. Usually a classic car will need to be at least 15 to 20 years old and must retain some monetary value.

Some insurers define classics cars as those who have an owners’ club dedicated to them, but this isn’t always the place.

Comparing Classic Car Insurance

Accurate comparisons of classic car insurance are difficult to find. At Just Quote Me we will work with you to find the best quotes suitable for your vehicle. Classic car insurance policies are typically tailormade to suit the owner and the vehicle, but you should expect the following types of cover:

  • Authentic replacement parts: your cover should allow for the purchase of authentic replacements during repairs
  • Value alteration: classic cars change in value over time so the policy should reflect this and allow you to update it as required
  • Laid-up cover: some classic car insurance policies will incorporate an easy option to switch to “laid-up mode”. This allows you to easily keep your car insured if it in storage or off the road long term.

Classic Car Insurance with Just Quote Me

Just Quote Me work with car owners from all walks of life. We appreciate the love and care that goes into owning and running a classic car and will work with you to find classic car insurance to suit your usage and your vehicle. Contact us today to discuss your options.

What should your Care Home Insurance cover?

What should your Care Home Insurance cover?

All health and social care businesses need insurance cover. Running a care home efficiently and responsibly is not possible without care home insurance. What types of cover should be part of your care home insurance cover? This will vary from business to business but below are just some of the most popular and in some instances compulsory types to consider:

Employer’s Liability Insurance

Employer’s liability insurance is not a choice for any care home business that has even a single employee. It covers you as the owner against legal action or claims made by employees and ex-employees relating to accidents and injuries in the workplace. Compensation claims can be very expensive. UK law requires all businesses to have employers’ liability insurance to avoid costly fines and penalties.

Medical Malpractice Insurance

Less common but a consideration for care environments. Nursing and medical care involves judgement and it is possible a resident or their family may disagree with your judgement. If they choose to make a claim on this basis and claim there has been medical malpractice, you will want specialist support to protect your business and your staff.

Buildings and Contents Insurance

If you own your care home premises, then you need to ensure you have the appropriate business and contents insurance for it. The contents insurance covers the fixtures and fittings, as well as furniture, office equipment and any specialist stock. Contents insurance will also cover medication and medical equipment.

Public Liability Insurance

Public liability insurance is a key element of nearly every insurance policy. It protects your business should a third party, such as a resident or one of their family members, take legal action against your business. This could be because of an accident or injury or due to damage to their property. In a care home environment there are many people coming in and out regularly, raising the risk of accident and injury.

At Just Quote Me we work with businesses of all sizes. We can help arrange care home insurance for your business today, just get in touch.

Protect Your Residents’ Home with Care Home Insurance

Protect Your Residents’ Home with Care Home Insurance

Residents living in care homes haven’t always moved their voluntarily. Many may miss their independence and their own homes and families. As a care home owner the very least you can do is offer them a safe and comfortable place to live. As part of your role as a caring and responsible business owner, you should make sure you have adequate care home insurance in place.

What does Care Home Insurance Cover?

Just Quote Me work with the best providers of specialist care home insurance in the industry to ensure your business and your residents are safe. There are many elements to a comprehensive care home insurance policy and it may include:

Defined Abuse Cover

Abuse cover is not something you necessarily want to think about, but it is essential to protect your business. An abuse claim can be extremely expensive, and our offering offers full sexual, physical and emotional abuse cover.

Legal Expenses Cover

Legal expenses are necessary part of any compensation claim. Our offering ensures you have full protection should a case reach the stage legal guidance is necessary.

Comprehensive Malpractice Cover

Care home owners often find themselves the subject of a claim from their employees. This is in addition to negligence claims from residents. Comprehensive malpractice cover protects both wrongful administration of medicine and claims against the quality of your provision of nursing and care.

Directors and Officers Liability Cover

Directors of the care company may not have a direct role in running the business but they may find themselves personally liable for loss. In this case you will need liability cover to ensure the personal assets of directors are not affected.

Care home insurance is essential for a well-run business. No one wants to think about the worst-case scenario. However, if it happens and you’re not ready, your business can seriously suffer.

 

Compare Cheap Car Insurance Quotes Online

Compare Cheap Car Insurance Quotes Online

See How We Can Help Compare Cheap Car Insurance Quotes Online

At Just Quote Me we can provide car insurance for business and personal vehicles. Whether you need personal car insurance or business car insurance or even further reaching fleet insurance, we offer a range of options and opportunities to get a unique car insurance quote.

Car insurance usually incorporates a number of key covers and may include cover for accidental damage, fire and theft and windscreen repair or replacement. Some car insurance policies include cover for personal items left in the vehicle and some also offer legal expense cover should a claim occur, as well as courtesy vehicle provision should your car be damaged or stolen.

Getting the right level of car insurance tailored to your needs is not always as simple as it first appears which is why Just Quote Me are on hand to discuss your options and provide expert advice about the best car insurance quotes and premiums for your vehicle and situation.

Just Quote Me Car Insurance Experts

At Just Quote Me we specialise in quality insurance premiums and offering quotes to suit almost every situation.

It is common experience of many that their car insurance is sold quickly and without due care and attention to whether it is the right level of cover and fully adequate for the purposes of the driver. Far too many insurance policies are sold on a generic basis rather than one tailored to the policyholder and for real peace of mind it pays to find cover which is ideal for your situation.

Just Quote Me pools the talents of insurance professionals with over 30 years’ industry knowledge and experience, with many very experienced in car insurance in particular. We are proud to have placed cover for national businesses including charities, wine bars, nightclubs and places of worship.

We believe in offering value and quality, never at the expensive of a client’s cover.

Car Insurance with Just Quote Me

As one of the most common kinds of insurance premium, car insurance can be found in many different places, for different prices and cover levels.

Our unique position as an independent brokerage means we can compete with both other car insurance brokers and direct market insurers, in terms of both price and service.

To get a FREE no obligation Car Insurance quote:

Go to our online Quote System or call us on 0800 084 2325

Organise your Caravan Insurance BEFORE you get out on the Road

Organise your Caravan Insurance BEFORE you get out on the Road

Driving uninsured is one thing but it is equally important to ensure your caravan is insured before you attach it to the back of your car. Millions of Brits love a caravanning holiday. If you’re lucky enough to own your own then the summer season is bound to be your favourite. Making the most of your holiday is easier if you make sure you’re fully prepared and this includes ensuring you have appropriate caravan insurance in place.

Is there a law relating to Caravan Insurance?

Motorhomes which your drive along are classed as self-propelling vehicles and so must definitely be insured. They need a minimum of third-party vehicle insurance. A towed caravan is a different matter but it is still highly recommended for your safety that you have a good level of caravan insurance. Your caravan is a significant investment, imagine trying to deal with the costs if it is damaged or stolen. The cost of caravan insurance is more than worthwhile in these situations.

Your car insurance will only cover towing of a small trailer usually so it is unlikely to be enough to cover your caravan. Of course, before investing in caravan insurance you can ring your vehicle insurer to be safe.

Arranging Specialist Caravan Insurance

At Just Quote Me we can help ensure you get the right level of caravan insurance. Specialist caravan insurance takes into account many different factors and may cover many different things including:

  • New for old replacement cover
  • European travel cover
  • Loss of use cover
  • Accident damage cover
  • Theft
  • Legal expenses cover

This is just an example of what may be available but it will vary from case to case.

If you want to discuss your caravan insurance and get ready before you head out on the road, please contact us today.

 

 

Run a Safe Residential Facility with Proper Care Home Insurance

Run a Safe Residential Facility with Proper Care Home Insurance

 

The UK has an ageing population, with over 17% of the population aged over 65 and as more people live longer, the requirement for quality residential care environments increases. Choosing to run a residential facility is a big task and something you should be passionate about. You also have to be committed to safety and this means investing in proper care home insurance.

Safe as Houses with Care Home Insurance

The main focus of your care home insurance should be protection and safety. You want everyone in your care as well as your staff and any third-party visitors to be safe and protected. Insurance protects against risks and helps you recognise the potential hazards in your workplace.

Public liability insurance is an essential part of your care home insurance policy. It protects you for any legal fees and damages which occur should a third party make a claim against you. This could be one of your residents, their visitors or any member of the public. Care homes have higher risk factors because of the frailty of many residents so slip and trip hazards and similar need to be even more of a focus than in other environments.

If you employ nurses or care workers or any staff at all, your care home insurance will also need an employer’s liability insurance element. This protects your business against claims made by employees.

Additional kinds of cover you may want to consider for your car home include:

Buildings and Contents Care Home Insurance

As a business, you will need specialist commercial property insurance. This is the case even if you live in the same property. Your contents and buildings insurance can be specifically tailored to the functions of your business.

Care Sector Insurance

Some specialist insurance providers do offer unique care sector insurance options, which can help ensure you have cover in areas you may not have considered.

At Just Quote Me we work with you to ascertain the specific requirements for your care home insurance. We can then make suggestions and ensure you have access to the best possible level of cover.

Do you have adequate Caravan Park Insurance for Peak Season?

Do you have adequate Caravan Park Insurance for Peak Season?

People visit caravan parks every month of the year but once the sun comes out, peak season has arrived. Each summer caravan park owners brace themselves for another busy season and one of the key considerations for preparing for the peak must be your caravan park insurance.

Ask yourself the following questions about your caravan park insurance:

Has anything changed from last year? Does my policy need updating?

If there have been any recent additions or purchases pertinent to your business you may need to discuss these with your insurer. Your caravan park insurance needs to be fully updated in time for the new season, before the guests start arriving and the risks increase.

Are your workers fully insured?

You may not employ anyone on the off-season but if you bring any employees in for the summertime, you need to make sure you have proper employer’s liability insurance. It is illegal to operate any business without employer’s liability insurance, when you employees in your business.

Do you have enough Public Liability Cover?

Your caravan park insurance needs to include a public liability cover element. This protects your business from potential claims made by third parties such as your guests and visitors. It ensures you have financial protection should a claim be made. The right level of public liability cover provides peace of mind as you continue your regular business operations.

Are there other types of insurance I should consider?

Every business is different and your caravan park insurance should reflect the needs of your business. You may want to invest additional cover such as vandalism, accidental damage or disaster protection but this will depend on your particular business.

Just Quote Me can discuss your caravan park insurance options with you at length. We work with you so you can achieve a level of cover which suits your business and your budget.

Care Home Insurance

Care Home Insurance

Care Home Insurance Online Quote Quick Quote Care Home Insurance Looking for Care Home Insurance? All health and social care businesses need insurance cover. Running a care home efficiently and responsibly is not possible without care home insurance. What types of...