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How To Compare Home Insurance Quotes

How To Compare Home Insurance Quotes

While we all value every item in our homes; from the expensive to the sentimental, many people forget to insure these valuable and treasured items. Home insurance is a crucial policy for homeowners than can not only cover accidental damage in your home but also covers your contents and personal belongings. As every home insurance policy is different, it is essential to compare home insurance quotes carefully to make sure you get the coverage you need and the right price.

What To Look For When Comparing Home Insurance Quotes

When most people compare home insurances quotes, many choose the cheapest option. While the price is an important factor to consider, it shouldn’t be the sole consideration. Cheaper policies may mean it excludes certain coverage, so you don’t have the protection for the things that matter most.

When looking for policies, look for ones that have the cover that you need. Remember, not everything is automatically included. Key features to consider include;

  • Excess – Often, policies will have an excess which may be £100 or more. If there is an amount that you’re willing to cover yourself as excess, then it may impact the price of your policy. The greater the excess you pay, then you may find this can lower the cost of your policy
  • Personal Belongings Cover – This coverage helps to protect items that you take outside of the home. This may include your laptop or smartphone. This may be an optional extra for home insurance policies but is well worth checking and including if you regularly take expensive equipment out of the home.
  • Home Emergencies – This can take a weight off your mind if you face an emergency at home. Often with a dedicated helpline, you can find the help, advice and cost coverage you need for events you cannot expect.

Compare Home Insurance Quotes With Just Quote Me

At Just Quote Me, we do the hard work when it comes to comparing insurance quotes. We’ll take your needs into consideration and search the market for the very best options for your needs. To find out more, contact the team today. Alternatively, receive your FREE quote by filling in our Quick Quote Form.

What Insurance Do Civil Engineers Require?

What Insurance Do Civil Engineers Require?

Civil engineers work in challenging and high-risk environments. What’s more, they are usually the first team on-site and the last tradespeople to leave a site too. With this in mind, civil engineers have to be ready for everything. Consequently, it is crucial to protect your livelihood against the unexpected dangers you may face on site with insurance for civil engineers.

Why Is Insurance For Civil Engineers Essential?

For civil engineers, every day and site is different. There are so many aspects to consider and so many problems you may face. From cables to waterways, pipes and service provision, each job can carry its own risks. One small mistake or unforeseen accident can be costly unless you have the right insurance to protect the business.

One of the biggest risk factors is with public liability. This is where a member of the public or their possessions may suffer harm or injury as a result of your work. Public liability cases can cost millions of pounds, which can spell the end for the business. However, with public liability insurance for civil engineers, you can have the peace of mind that the business has protection, and you can afford to pay for any injury or damage that may occur.

Insurance for civil engineers can also include essential coverage for aspects such as tools and equipment insurances, employer’s liability coverage, vehicle insurance, and so much more.

If you’re not sure what your business needs and whether you have the right coverage for your requirements, Just Quote Me can help. Our expert team can talk you through all of the options you have available. Then, we can create a tailored policy that works best for your business. All the while, we will search the market to ensure what you receive is at the best price possible.

Receive Your Free Quote For Insurance For Civil Engineers

Get in touch with the Just Quote Me team today to talk through your requirements, or receive your FREE quote by filling in our Quick Quote Form.

Insurance For Ground Workers: What You Need To Know

Insurance For Ground Workers: What You Need To Know

For ground worker contractors, the job is busy, and there are many tasks to complete to enable a successful construction project. From clearing land to redirecting waterways, ground workers have many responsibilities which can come with a great deal of risk. Fortunately, with insurance for ground workers, you can mitigate these risks and offer your clients and the public complete peace of mind.

What Is Insurance For Ground Workers?

Ground worker insurance helps to protect your livelihood should anything adverse happen on the job or with your projects.

Insurance for ground workers includes a range of policies. However, perhaps the one that receives the most attention is public liability cover. Public liability insurance for ground workers ensures that you have protection for any injuries or property damage that may occur during the job.

For example, insurance would protect you from claims if a member of the public trips over your equipment or damages their vehicle as a result of your work, the public liability can help to compensate the affected party.

Furthermore, ground worker public liability insurance can be tailored to suit your specific requirements. For example, it is possible to receive insurance for varying depths, depending on your needs. You can tailor your insurance for depths of up to five metres, to ensure you receive full protection for all the projects you undertake.

Of course, insurance for ground workers covers more than just public liability. You can build your insurance package to cover all of the aspects you need. This may include employer’s liability, variable depth cover, transport coverage, and so much more.

With the right insurance coverage, you can make sure that no matter what may go wrong with the business, you can reduce the impact of expensive repercussions. At Just Quote Me, we’ll work hard to understand precisely what your business needs. Then, we’ll tailor your insurance package to ensure you have peace of mind for every eventuality.

Are You Looking For A Ground Workers Insurance Quote?

Get in touch with the Just Quote Me team today to talk through your requirements. Alternatively, receive your FREE quote by filling in our Quick Quote Form.

Insurance For Schools: A Mini Guide

Insurance For Schools: A Mini Guide

Education institutions, such as schools and colleges, have a very unique set of insurance risks. Because of the nature of the business, most standard insurance policies do not provide adequate cover. This often means that specialist insurance for schools is needed to protect them and their pupils. If you are managing an independent school, state-funded school, academy or other educational facilities, we are here to help with your insurance needs.

What Is Insurance For Schools?

A school environment often comes across unique and complex risks that require specialist cover. When it comes to insurance for schools, there are many things that need to be considered and included in policies. School insurance policies are designed specifically to protect students, teachers and the school’s reputation.

Some areas that have coverage with a school insurance policy include;

  • Supply teacher insurance, which covers some circumstances where supply staff need to be paid.
  • Liability insurance, including employer’s liability, public liability and hirers liability.
  • Travel insurance, particularly for school trips and overseas travel for groups.
  • Professional indemnity insurance, which will protect the reputation of the school should pupils or parents be unhappy with teaching.
  • Legal expenses, in the event that a school needs to pay legal fees for any reason.

Insurance For Schools From Just Quote Me

At Just Quote Me, we are experts in finding specialist insurance products for all industries. We will work hard to understand your needs as a school or college and find the very best insurance options for you. Our team are on hand to provide any advice you may need to choose the right insurance to protect your staff, pupils and school reputation. Because we work with so many insurance providers, we are able to find the best possible prices for your school. To find out more, get in touch or fill out our Quick Quote Form.

Commercial & Industrial Insurance

Commercial & Industrial Insurance

No matter your business or industry, having the right insurance in place is essential. Commercial & industrial insurance is a type of cover that protects businesses from loss.

Because every business is different, the insurance policies they need is also varied, and it is important that you get the right policy for your company. An office-based business is going to have different requirements to a factory. Consequently, insurance policies need to reflect this. Here at Just Quote Me, we offer commercial & industrial insurance options for a range of businesses.

Commercial & Industrial Insurance Options

When it comes to business insurance, there are various options available. The type of insurance that you need will depend on your industry and operations. Most commercial & industrial insurance policies will include;

  • Public Liability Insurance: This covers your business for claims made against you by a visitor or client. This could be because of injury, loss or damage to property in your business premises.
  • Employers Liability Insurance: Any company with employees must have employer’s liability insurance. This covers you if an employee becomes ill or injured while working for you.
  • Professional Indemnity Insurance: Sometimes referred to as professional liability insurance. This cover is for legal costs and expenses that could arise if a client alleges that your business provided inadequate services or advice that lead to them losing money.
  • Business Buildings Insurance: Buildings insurance will cover your physical buildings of the business, such as a factory or office.
  • Business Contents Insurance: Damage to contents caused by fire, theft or flooding can be covered by contents insurance.

Are You Looking For Commercial & Industrial Insurance?

There are many other options available for commercial and industrial insurance, such as equipment cover, stock insurance and business interruption cover. For more information on insurance for your business, and to discuss your requirements, contact our team or fill out our Quick Quote Form.

About Warehouse Insurance Cover

About Warehouse Insurance Cover

Running a warehouse is no easy task. It takes dedication, hard work and a significant investment in both time and resources. Like with many businesses, an incident or accident could threaten your company, so insurance is vital. Because warehouses have their own unique risks and opportunities, specialist warehouse insurance cover is often required.

Warehouse insurance cover plays a vital role in protecting the business you have worked so hard for. Choosing warehouse insurance can be confusing, and getting the right type of insurance will mean you have the right coverage.

Types Of Warehouse Insurance Cover

When it comes to insuring a warehouse business, there are various cover options that need to be considered. The type of cover that you need will depend on your unique business. Some of the most popular options for warehouse cover include;

  • Employer’s Liability Insurance: Most businesses have a legal requirement to have employer’s liability insurance in place because it protects their staff. This is not unique to warehouse insurance but is a must-have if your company has employees.
  • Public Liability Insurance: If anyone who enters your warehouse believes they have suffered any kind of loss, injury or damage to property at your business, then public liability will protect you. This could include suppliers delivering their stock or a visitor who slipped on your warehouse floor.
  • Contents Insurance: The contents of your warehouse are often the most important part of your business, and so need proper protection. Contents insurance will cover your stock from flood fire or vandalism.
  • Buildings Insurance: Your buildings are essential for the operation of your warehouse and buildings insurance will cover you should anything happen.
  • Transit Insurance: Some warehouse insurance policies include cover for your goods while in transit. This can protect them should anything happen, either with your own business or in transit by a courier.
  • Equipment Breakdown Insurance: Warehouse machinery could become affected by mechanical or electrical breakdown. This cover can protect your business should this happen.

 

Are You Looking For Warehouse Insurance?

For more information on finding warehouse insurance cover from Just Quote Me, or to receive a fast, free quote, please fill out our Quick Quote Form.

Why Do You Need Wind Farm Insurance?

Why Do You Need Wind Farm Insurance?

Wind farm insurance might seem unnecessary, but when you are working in a specialist industry, it is vital that you have the correct policy in place. You need an insurance policy that understands your business and your unique requirements.

Being a supplier of renewable energy comes with many risks that other businesses don’t have. Wind farm insurance means that if anything should happen, then you will have the right cover in place.

Wind Farm Insurance Explained

Whether you are a large wind farm or a smaller scale project, having appropriate insurance is of the utmost importance. Wind farm insurance can cover your business from various risks and mishaps, including;

  • Construction risks
  • Transit risks
  • Material damage
  • Engineering issues such as machinery breakdown
  • Advanced loss of revenue due to machinery or material damage
  • Delays in start-up costs
  • Employers and public liability insurance
  • Lack of wind bespoke packages

Wind farm and wind turbine insurance can cover a wide range of wind turbine models, including all major brands. No matter your business size, industry or set up, our specialist insurance products are here to help.

Wind Farm Insurance From Just Quote Me

Here at Just Quote Me, we are experts in finding the best insurance policies for businesses of all shapes and sizes. We work hard to compare all the wind farm insurance options available to you and so can help you get the best price.

Our team of specialists can help you to find insurance that will cover you from initial installation phases right through to being fully operational. We can find insurance policies for single turbines or multi-site operations, so we can meet your unique needs. Because wind farm policies are still fairly new to the market, we can assist you with everything you need in a stress-free and simple way. Contact the team today or fill out the Quick Quote Form.

Multiple Occupancy Insurance

Multiple Occupancy Insurance

There are approximately 497,000 Houses of Multiple Occupancy (or HMOs) across England and Wales, many owned by private landlords. Of course, there are benefits to owning an HMO, including increased rents across one property. However, there are risks too; more tenants could mean more damage to a property, for example. To protect themselves from these risks, landlords need good multiple occupancy insurance.

What Is A House Of Multiple Occupancy?

Not all landlords are clear on just what an HMO is. In general, an HMO is a property that is home to three or more unrelated tenants. This can include a house-share, bedsits or flats. There can be separate facilities in each flat or communal areas such as kitchens and bathrooms.

What Should Multiple Occupancy Insurance Include?

While some of the risks associated with any rental property are the same when it comes to HMOs, there are differences too. If, for example, there is a shared kitchen in a building converted to bedsits (versus letting people cook in their rooms), there is a lower risk of fire. In general, however, multiple occupancy insurance will cover:

  • The building itself including structural damage (either accidental or intentional).
  • Contents, which is especially important if the landlord provides white goods or furnishings; this includes accidental damage and theft.
  • Malicious damage, caused by tenants or others (visitors, for example).
  • Loss of rent, whether through rent arrears or a room/flat being unlet.
  • Liability against accidental injury to a tenant or visitor; this includes legal expenses.

Finding The Right Insurance For You

Multiple Occupancy insurance can be complicated. As a result, it isn’t always easy to find. This is where Just Quote Me comes in.  They’re experts in specialist insurance that helps landlords protect themselves and their property at a price that works for them. Click here to fill out the Quick Quote Form or call the team on 0800 084 2325 to find out more and get a free insurance quote today.

How To Compare Business Insurance Quotes Online

How To Compare Business Insurance Quotes Online

Looking to compare business insurance quotes online can be tricky and time-consuming. Business owners can go to individual insurance sites (though this means filling in the same information again and again) or use comparison sites. However, these don’t always produce the best quotes. All is not lost, however. There are sites out there that help businesses get the right policy for them. Here’s what to look for to make sure this happens.

1.    Expertise

Most comparison sites aren’t insurance experts. They use algorithms to produce quotes, which are often much lower than the final price. Therefore, look for sites built by insurance experts. That way, you’ll know you’re getting good advice as well as a good price.

2.    Contact

With comparison sites, there is rarely anyone ‘real’ to talk to if you have a question. Insurance companies offer help on the phone but can only answer questions on their policies. The best sites are those linked to brokers who can answer your questions as well as offer online quotes.

3.    Partners

You can never be sure with a comparison site who their partners are. This means you can get a good price but be left with additional costs when the cover you receive isn’t enough. Choose comparison sites that clearly list their partners. And make sure those partners are industry leaders.

4.    Reputation

Reputation is important. It means a company provides an excellent service. Look for sites that aren’t afraid to post their reviews on their site or who work with review sites such as reviews.co.uk. In addition, look for companies registered with industry bodies such as the British Insurance Brokers’ Association.

Where to compare business insurance quotes online

When you want to compare business insurance quotes online, Just Quote Me are a great example of a site that works well and a company that’s working for you. They have easy to understand information on a range of policies and experts available at the end of the phone. To get a competitive business insurance quote today, click here to fill out our Quick Quote Form.

Building Owners Insurance

Building Owners Insurance

Whether you’re a private property owner or a landlord, you will likely need building owners insurance if you own any type of building. For those who own a building with a mortgage, this will no doubt be a requirement of your lender. The type of insurance you need, however, will vary. It will depend on the type of building you own, and whether you are the occupant or the landlord. Which is why it’s essential to make sure you choose the right cover for your needs.

What Does Building Owners Insurance Cover?

Building owners insurance will differ dependent on need and level of risk. It will also vary depending on whether you are insuring a commercial or residential property. In general, however, both will cover the loss of damage to a property due to:

  • Fire
  • Explosion
  • Severe weather such as storms, floods, and earthquakes
  • Theft
  • Vandalism
  • Damage due to falling trees or vehicle collision
  • Subsidence

In addition, outer buildings such as garages and sheds, as well as fencing, may be covered.

Finding the Right Insurance for You

While some of what we’ve listed might seem unlikely to happen to your building, the fact that they’re included in an insurance policy means they probably have happened to someone at some point. Ignoring the need for insurance cover, then, could be costly. For landlords, it means their livelihoods are at risk. It’s important, therefore, to get the right insurance in place as quickly as possible.

To make sure this happens, contact Just Quote Me. Their highly trained team of insurance specialists will talk you through just what you need and get you the right policy at the right price. Fill out our Quick Quote Form or call our team on 0800 084 2325 to find out more and get a free insurance quote today.

Property Owners Portfolio Insurance

Property Owners Portfolio Insurance

Around 55% of landlords own more than one property, with 17% owning at least five properties. For some, these will be residential only. For others, there will be a mix of residential and commercial. Insuring each one individually can be time-consuming and costly, especially if discounts are available for insuring multiple properties under one policy. This is where Property Owners Portfolio insurance comes in.

The Benefits Of Property Owners Portfolio Insurance

Property Owners Portfolio insurance offers landlords a convenient and cost-effective way to combine all their properties under one policy. However, it doesn’t have to mean choosing a ‘one size fits all’ policy. Elements can be adapted dependent on the building, its purpose, its location, and level of risk.  Without such insurance, a landlord may find themselves having to cover the cost of unpaid rent or extensive repairs to a building or its contents.

What Does The Insurance Cover?

Property Owners Portfolio insurance can cover different things dependent on need and level of risk. For example, a commercial property may need to cover a landlord in case of accident or injury, which won’t be needed in a residential property. Similarly, a residential property might need appliances to be covered, something not needed in a shop. In general, however, insurance will cover:

  • Property damage, from tenants and from fire, flood or vandalism
  • Contents damage, whether this is shelving or white goods
  • Loss of rent, allowing a landlord to maintain his income.

Taking Out Property Owners Portfolio Insurance

When multiple properties are involved, getting insurance right can be a challenge. That’s why it’s best to speak to an insurance specialist such as Just Quote Me. Their highly-skilled and experienced advisors can talk you through just what you need and find the right policy at the right price. Contact them today on 0800 084 2325 or fill in our Quick Quote Form to find out more.

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.