by jqm | Nov 9, 2016 | Builders Insurance, Business Insurance Blog, Small Business Insurance
Builders Public Liability Insurance – Looking to compare Builders Insurance?
At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes. You will get some of the best rates and covers available in the UK today!
What Insurance do Builders and Building Companies need?
Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off. Then it becomes the responsibility of their customer to insure.
Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.
Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.
Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
by jqm | Nov 4, 2016 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Just Quote Me, Small Business Insurance, Small Business Insurance Quote
Federation Of Small Businesses (FSB)
Are you a member of the Federation Of Small Businesses (FSB) and looking for the best prices in the UK for Small Business Insurance? Then we can help – Just Quote Me the UK’s fastest growing Online Business Insurance comparison site and just what you need to get the expert advice and fantastic prices that you need on insurance.
Paying too much? Does your Renewal price seem to go up year after year then use our FREE Quote System to get your own prices and see if your current providers are indeed charging you way too much.
So for the best Small Business Insurance prices for FSB members Insurance visit our FREE Quote System or call us on 0800 084 2325.
by jqm | Nov 1, 2016 | Business Insurance Blog, Coach Hire Insurance, Small Business Insurance
Looking for Coach Hire Insurance?
Coach Hire Insurance is a very specialist Insurance product and Just Quote Me have some of the best prices available in the UK today.
We cover single coaches or multiple vehicle fleets across the UK – our panel of Insurers are experts in the placement of this type of Insurance – offering full passenger liability for any vehicles up to 52 seats.
Cover can be Fully Comprehensive or Third Party Fire and Theft or even Third Party Only and various drivers options give different discounts.
If you are interested in a free no obligation coach hire insurance please contact Just Quote Me on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Oct 27, 2016 | Business Insurance Blog, Insurance Online, Just Quote Me, Small Business Insurance
Are you looking for Small Business Insurance?
Just Quote Me is one of the UK’s fastest growing Small Business Insurance Providers. We offer insurance for small businesses – anything from Shops, Offices to Landlords, Restaurants and the Motor Trade. So if you are a small to medium business or SME – contact Just Quote Me to see how we can help you.
You can receive a FREE no obligation quote by contacting us on 0800 084 2325 or by filling out our Online Quote System that quotes some of the best Business insurance prices available in today’s every changing insurance market., our online quotes cover all the specifics sections needed to ensure you have not only the best price but also the best cover for your exact business needs.
Our Online Quote System ensures you have not only the best price but also the best cover for your exact business needs.
If you prefer to call us – Our team of highly trained staff will ensure that you are fully aware of not only the cover limits but also the warranties and clauses specific to your policy so that you know what you have to do to make sure the policy will pay out in the event of a claim.
Warranties and clauses can vary from policy to policy and occupation to occupation but a typical clause will be regarding minimum security to your premises such as five lever mortise dead locks, window locks for all accessible downstairs windows etc – theses are extremely important to know so that you can ensure you are meeting these requirement and then in turn your claim will be paid.
For expert small business insurance advice call Just Quote Me FREE on 0800 084 2325 or by fill out our Online Quote System.
by jqm | Oct 26, 2016 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Just Quote Me, Small Business Insurance
Looking for Simple Business Insurance?
Simple Business Insurance from Just Quote Me is available to all UK Businesses via our new website – justquoteme.co.uk
The process is easy. All you need to do is call for FREE on 0800 084 2325 or enter your details into our Online Quotation form and then our Quote and Buy system will compare Simple Business Insurance Quotes from our various Insurers.
Simple Business Insurance is available to over 3500 different occupations and the types of insurance we offer cover any of the following:
We have them all covered via our Simple Business Quotation system – Our clients are proof of just how fantastic this system is why not try for yourself – after all it’s free!
For Simple Business Insurance visit justquoteme.co.uk now and see how much you could save. Great prices, exceptional covers!
by jqm | Oct 24, 2016 | Business Insurance, Business Insurance Blog, Insurance Online, Insurance Quote Online, Just Quote Me, Small Business Insurance
Are you looking for LPG Insurance?
Just Quote Me offers specialised LPG Insurance to businesses across the UK.
We’ve been arranging LPG Insurances for companies who both store and distribute LPG across the UK. Just Quote Me covers the cylinders whilst in transit, we cover the refilling tank at your premises and it’s contents, we cover all Liabilities needed and clean up costs etc in the event of a spillage or contamination of third party property.
For companies involved in the LPG industry, we can offer best rates and bespoke covers to you, why not call now and get a quote from the insurance experts! we understand your Industry and how passionate LPG companies are about both their products but also the fuel itself which is a greener and far more cost effective fuel than other alternatives.
We understand your Industry and how passionate LPG companies are about both their products but also the fuel itself which is a greener and far more cost effective fuel than other alternatives.
For all different aspects of LPG company Insurance Just Quote Me can offer a unique policy to cover all your demands and needs so visit us now and get it covered right!
Call FREE on 0800 084 2325 or fill out our online quote system.
by jqm | Oct 3, 2016 | Business Insurance, Business Insurance Blog, Just Quote Me
What is the Consumer Insurance Act and What Does It Mean for You?
The Consumer Insurance Act became law on 6th April 2013. It made the relationship between insurers and their customers much more transparent. It made it clearer what information needs to be disclosed to the insurer at the time of taking out insurance. The legislation meant there were some changes to keep in mind for customers as well as insurers.
The last change to non-disclosure in insurance contract law prior to 2013 was in 1906 so definitely in need of an update. The Association of British Insurers code of practice on non-disclosure played a role in minimising the number of claims declined because of this issue but the legislation itself needed updating too, and that’s what the government did.
What does the Consumer Insurance Act mean?
Your insurer is obliged to ask specific questions to gain the relevant information about your individual circumstances when buying insurance. You probably see similar questions whenever taking out a policy. The Consumer Insurance Act provides legal protection for you, if you accidentally or unknowingly provide incorrect or incomplete information to your insurer. Your insurer is not legally allowed to decline a claim on non-disclosure grounds unless it can be proven you were especially careless or deliberately misrepresented your circumstances.
The Consumer Insurance Act applies to all policies which are taken out for personal use. This means anything from home insurance to pet insurance and car insurance to health insurance. It is applicable to all personal use insurance policies wherever they are bought and through whatever means.
Whilst there have been no huge changes because of this legislation, it is important to have it officially put down on paper. Prior to the Act insurers could theoretically act unscrupulously and decline claims on the basis of non-disclosure because of genuine accidents, but it wasn’t a common practice.
Can Claims still be Declined on the Basis of Non-Disclosure?
As mentioned above there are cases where non-disclosure is the right reason for declining a claim. The Consumer Insurance Act allows insurers to decline claims if the customer can be found to be deliberately, carelessly or recklessly giving incorrect or incomplete material about their circumstances when applying for insurance. You have a legal responsibility to answer all the questions correctly and if you have any concerns or cannot answer a question, you should contact your insurer immediately.
Terms such as deliberately and carelessly can be difficult to pin down exactly, but the legislation simply requires all consumers to take reasonable care whenever answering questions about your circumstances.
The insurance industry has made considerable changes to its practices to ensure that consumers feel they are being treated fairly. This Act simply puts down many of these changes into law and means any companies still choosing to act unfairly and unscrupulously will struggle to do so.
If you have any questions about the Consumer Insurance Act please contact Just Quote Me on 0800 084 2325 or email us at contact@justquoteme.co.uk
by jqm | Aug 10, 2016 | Business Insurance Blog, Compare Public Liability Insurance Quotes, Public Liability Insurance
We can help with your Public Liability Insurance Quotes
Compare Public Liability Insurance Quotes – Just Quote Me have some of the best prices and covers available in the UK today!
Public Liability Insurance is compulsory in the UK for any business or individual working on either their own or third party properties. This kind of insurance protects the company or individual in the unfortunate event that they cause bodily injury to a member of the public either on their own premises or when working on a third party’s premises.
Examples that could occur are perhaps a member of the public could slip up on your wet floor or they may trip over that computer wire that wasn’t covered but just left loose. If that member of the public sustains an injury they will look to the owner or occupier of the premises for financial recompense and they may employ the services of a costly Solicitor to handle this on their behalf. Without the correct Public Liability cover in place the owner or occupier may then have to close their business due to a large legal bill and compensation award.
The local Authorities or Councils may insist on the minimum level of cover that you must have in place such as £5m. This may well be the normal amount that they require for anyone working on or around their premises. Many Building contractors, or sites managers, will no longer allow tradesmen or tradeswomen onto their sites without seeing first hand proof of your original Public Liability Insurance Certificate.
Just Quote Me can provide this online in a matter of minutes so that there is no delay in starting that all important contract.
Public Liability Insurance protects the Insured from both the legal costs and any potential financial awards made by any legal action brought against them. This cover therefore enables the Insured to continue with their business as the potential financial loss is covered by their Insurers.
Be careful to inform your Insurers of all of your business activities though as the protection will only cover the business activities stated in the policy schedule so if, for instance, you work at a height then tell them to get the maximum height noted by endorsement. Similarly, if you work with heat, such as welding or soldering, be sure to inform your insurers of all your business activities in a full and comprehensive Business Description.
For further advice contact one of our Insurance experts now and get the right cover for the best price! Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
by jqm | Dec 16, 2015 | Business Insurance Blog
In the world of insurance, the largest insurance claims often follow on from natural disasters. A good example of this would be Hurricane Katrina, which hit the coast of the United States of America in 2005. The claims resulting from this Hurricane reached an unprecedented $60 billion.
The claims would have been mainly against property insurance, business insurance and some other various public liability claims too!
Landlord and Property Cover can protect you in your hour of need
In Great Britain we can always rely on rain, naturally, in 2007 the widespread flooding that occurred resulted in insurers paying out over £3 billion in total. With many buy to let properties in the UK, landlord’s insurance cover would have been much appreciated by many that did not have it. In the same way, those without property and buildings insurance cover would have likely suffered from severe losses due to water damage.
Whilst these natural disasters have all grabbed the headlines, other incidents, sometimes less well known and unexpected, have also resulted in some rather large insurance cover pay-outs.
So here then are a few of the more noteworthy insurance claims that have been made in recent years by both the public and businesses:-
Stolen Turner paintings result in unprecedented insurance claim for the Tate Gallery
One of the largest insurance claims ever made was to cover the theft of several of the famous artist JMW Turners fabulous paintings. These historic works of art, which were painted long ago during the 17th and 18th centuries, were stolen from a Frankfurt gallery in 1994. They were out on loan at the time from London’s well known Tate Gallery, a decision that they learnt to rue afterwards!
It was fortunate for the owners at the Tate Gallery that these works of art were insured because an incredible claim of £24million was made for their loss.
An unexpected slip, trip and fall claim costs landlords insurance company dearly
In 2012 a Virginia man fell in a slip, trip and fall accident on an icy driveway with some serious consequences afterwards. He broke several bones and then developed medical complications further down the line. In the end, there was a staggeringly high insurance pay-out of a super-cool $7.75 million!
The victim was a tenant whose landlord had not maintained the drive by clearing it properly of snow and ice. Sadly for the landlord, they had not treated the icy areas of the pavement and driveway with any rock salt or sand, which is a legal requirement in the United States of America!
A Much loved family cat’s unexpected illness is a costly affair!
We all love our pets but this incident would bring tears to the eyes of any cat lover! In 2010, one poor little Puss in the US managed to break all existing pet insurance claims records!
The family cat had to have a serious kidney operation that had an insurance pay-out of $22,000. This was at the time the single biggest pet insurance claim that had ever been made. The cat was just an everyday normal family pet that generally just did what cats do, chasing mice, rabbits and birds about.
Get the right insurance cover for your needs
This all simply highlights the importance of getting the right business insurance cover to protect your finances from those unexpected problems in life that can crop up!
For all your insurance needs contact the experienced team at Just Quote Me and they will be able to take you through all the available options. Whether you need Business Insurance, Public Liability Cover, Landlords insurance or any other protection, you must consider covering yourself from all of those unexpected risks in life.
by jqm | Dec 16, 2015 | Business Insurance Blog
We all have our own favourite celebrities and often follow any news related to them avidly, but their being in the public spotlight is not always a good thing for them.
Take for instance those odd occasions when, whilst being the subject of celebrity news and gossip, they would rather have been less visible to the public!
When things go wrong for celebrity’s big money is often involved!
We are talking about when things do not go according to plan, resulting in embarrassing incidents and often subsequent insurance claims. These are often incidents that they would rather not have been involved in and would likely not want everyone to know about! Sometimes they may need to call on their Public Liability cover or Employers Liability and Business Insurance, and sometimes perhaps on the other insurance cover that they have got.
In fact, some celebrities have been at the centre of some truly massive insurance claims, often perhaps due to the lavish lifestyles that they lead in the public eye. Let’s take a look at some of the more noteworthy ones!
Well known Black Adder and Mr Bean star Rowan Atkinson’s F1 McLaren claim
Rowan Atkinson was driving his McLaren F1 in 2013 when he slid on a patch of ice. No great shakes you might think, but this particular supercar was thought to be worth a cool £3.5 million!
The accident resulted in the biggest car insurance claim that has ever been made; it was for a whopping £910,000!
We all laugh at the sight of Mr Bean driving around squashed up in his old green mini ,but this accident was no laughing matter for the comedian at the time!
In the end there was a happy ending because the car was sold, after the accident was repaired, for an eye-watering £8 million!
Famous singers Jay Kay’s Ferrari Enzo is attacked after he crashed his Lamborghini Diablo
Jamiroquai frontman Jay Kay was staying at a quaint old hotel in Aldeburgh, Suffolk and had been enjoying drinks at the bar. Unfortunately there were harsh word between the star and the hotels chef ultimately resulting in the chef damaging the windscreen and side window of the supercar resulting in £30,000 of public liability related damage!
Jay Kays Lamborghini insurance claim
This wasn’t the first time Jay Kay was involved in a prang related to a car because he famously crashed his Lamborghini Diablo in 2006! This was after taking a corner at high speed resulting in a crash and a big insurance claim. He was also given a fine of £750 for his troubles too!
This was a real shame for the Jamiroquai singer because his pride and joy was valued in excess of $300,000 at the time. It was sadly a total write-off, much to his insurance companies consternation too!
A simple test drive that went horribly wrong for Mr anonymous!
This incident was not related to a famous individual, just an ordinary guy out for a test spin one afternoon! Aviva had to pay out over £300,000 when an Italian Pagani Zonda S Supercar, worth over £500,000, was taken out for a test drive that went horribly wrong! The driver managed to lose control along a country lane close to Aberdeen in Scotland. The car, which has a top speed of 220mph, left the road and hit a telegraph pole and then smashed through a fence. Luckily the motorist, who wanted to remain anonymous naturally, was unhurt. If he had been famous we would all no doubt have heard more about this accident!
At the time this was one of the biggest pay-outs for a British insurance cover claim for car repairs. Only ten of these famous and highly sought after Italian cars were made every year, so the vehicle had to be sent to Italy for the repairs to be completed. Ouch!
So there you have it, some unwanted insurance cover claims that these celebrities would rather had never happened in the first place!
