by jqm | Jun 28, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker
New build homes are becoming popular, and if you’re one of the thousands of people buying a new build property, then you’re probably in need of new build insurance.
What is new build insurance?
A new build will come with a warranty, but that will only cover you for issues relating to building work that was carried out by the home developer. New build insurance would cover you outside of that, including floods, fire or subsidence.
Why is it important?
New homes may seem fault-free on the surface, but as nothing in the property is tried and tested, you may begin to notice things like leaking showers or less than perfect electrics.
What are the benefits of having new build insurance?
It might be something your mortgage provider insists you have to make sure you’re able to pay bills when things go wrong. There are always risks when it comes to buying properties – even new builds. If you buy the property outright, you don’t technically need new build insurance, but it would mean you are not covered if there are issues further down the line.
Getting new build insurance from the date you exchange contracts can protect you if the builders are not covered by the National House-Building Council (NHBC). The NHBC offers a building certificate which provides the 10-year warranty for new homes and new conversions.
New build insurance and the NHBC Buildmark cover you if you’ve exchanged contracts and the builder goes bankrupt before your property is finished. Sadly, new homeowners faced with unfinished or shoddy properties is a common sight, and once the contracts are exchanged, it’s challenging to get the builder back on site to fix any issues regardless of what the warranty says.
New build homes are often cheaper to insure than older properties because they are fitted with the latest technology. They’re usually more efficient to heat and have the most secure doors, windows and locks to protect from burglary.
It’s also worth noting that if you are struggling to insure your newly built home – we can help. Most new builds can get insurance, but a few insurers fail to update their databases, so it could be the case that your new postcode just isn’t registered yet. However, we will be able to seek out the best insurance for your needs.
Do you have any questions about new build insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
by jqm | Jun 27, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker, Insurance Online
If you’re keen to renovate your property but want to avoid the costs that come with correcting mistakes or accidental damage during the work, then you’re likely to need renovation insurance. It may be the peace of mind you need when creating your ideal property.
Who is Just Quote Me?
Just Quote Me is a company dedicated to securing business and personal insurance. The team of independent brokers has over 28 years of industry experience and have placed cover for both local and national businesses. Just Quote Me has worked with a variety of cases from charities and places of worship to wine bars and nightclubs.
What is renovation insurance?
Renovation insurance is necessary for providing properties protection for the home while it is being upgraded and renovated. The insurance covers the existing structure as well as the materials and new work that is completed. It can cover tools, equipment and plant machinery on site during the renovation.
What are the benefits of using Just Quote Me?
- The insurance you need
It recognises that under regular home insurance, any injuries obtained during renovation is not covered in the policy. Even the builder’s public liability insurance can mean that claiming is a long process, difficult to determine and might not cover you if there is no proof that work is negligible.
- The best deals
The company is made up of independent brokers, which means that the team searches insurance providers to find you the best deal. It also saves you the time it takes to search for yourself and uses their expertise to filter out to the least desirable deals.
- Instant documentation
The policy documents are emailed to you instantly, so there is no need to wait for paperwork to come in the post. This means they make the whole process quicker and more efficient.
- Three simple steps
The approach we take is in three simple steps. 1) You complete online forms and receive an instant online quote. 2) We use quick quote forms for the customer to explain their needs. 3) Just Quote Me will then come back to you with the most appropriate insurance.
- Trusted and accredited
Just Quote Me is a member of the British Insurance Brokers’ Association which validates our business as a reputable and knowledgeable company.
Do you have any questions about renovation insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
by jqm | Apr 20, 2019 | Home Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Just Quote Me, Personal Insurance, Travel Insurance
If you’re never without your mobile phone or you like catching up with shows on your tablet every morning during the long commute, you might want to consider adding personal belongings insurance to your current buildings or contents policy.
While your contents/home insurance protects these items in your house, the cover stops as soon as you take them outside the boundaries of your home.
We get claims for:
- Phones left in taxis
- Cameras lost on holiday
- Rings and jewellery that slip off in the sea
- Wallets and purses left in the supermarket by mistake
- Leaving your iPod on the train
- Having your watch stolen from a hotel room
To insure against these kind of things, you’d need to add Personal belongings cover. It’s there to help when you’re out and about.
There are multiple aspects that make up insurance policies. While you may not fully understand each section of the contracts, it’s important that you learn and understand what the contract specifies, including your limits. That way, if you need to file a claim, you will know what the insurance company will and will not cover.
Why is personal belongings insurance important?
Personal belongings insurance offers protection for your personal effects when they are removed from your home. If an item of yours is lost, stolen, or damaged while away from your home, it would allow you to replace that item.
Most of us don’t realise how much the items we carry around with us every day are worth. A tablet and mobile phone could be worth several hundred pounds by themselves, let alone any money we may have in our bags and pockets.
Is there anything Personal belongings cover won’t cover against?
Yes. It doesn’t cover:
- Wear and tear
- Things that are damaged through everyday use (e.g. sports equipment)
- Things stolen from cars or vans, unless they’re out of sight and someone had to break in to find them. (So a handbag that’s locked in the boot and can’t be seen from the street would be covered. But a Tom-Tom that’s there on the dashboard wouldn’t).
- Pets and other animals.
It doesn’t cover things that are used for business, either, which would include:
- Business cash, credit or debit cards
- Tools, even if they’re locked up and can’t be seen.
Just Quote Me Personal Belongings Insurance Quotes
You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.
by jqm | May 3, 2017 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance Broker, Zoo Insurance
The busiest time of the year for zoos, farms and wildlife businesses is coming up, is your business ready to trade? Zoo insurance or the relevant wildlife or farm insurance for your business helps to guarantee you have a protective buffer against any worst case scenarios.
Many zoos have recently faced closure and there are very close guidelines and regulations to follow in this industry. These considerations plus general business sense have made getting a good level of zoo insurance cover more important than ever before. A compensation claim could be enough to close a struggling business so ensure yours is protected.
What will my Zoo Insurance Cover?
At Just Quote Me we specialise in helping business owners getting the level of cover essential for their individual circumstances, which may change from company to company. Your zoo insurance will depend on many different elements but most policies may include:
- Public liability: for financial protection against claims made by third parties such as customers
- Employer’s liability: for financial protections against claims from employees (a legal requirement if you have any employees in your business)
- Business interruption insurance
- Livestock insurance
- Cover for transit of animals
As you can see many of these kinds of cover are very specific and niche. It is important you consider your options carefully. Specialist insurance cover can be expensive. However, when you choose to run a business in a niche area it is unfortunately necessary. Work with an experienced insurance partner like Just Quote Me to make your options easier and clearer. Our knowledgeable team can discuss your zoo insurance options to ensure you get the level of cover required.
Please get in touch today to discuss zoo insurance quotes and any other questions you may have about your cover.
by jqm | Jan 19, 2017 | Business Insurance, Insurance Broker, Insurance Online, Local Business Insurance News
Looking for the Top Insurance Brokers in the West Midlands?
Insurance does not have to be expensive in order to be efficient, so if you’re looking for affordable cover that won’t break the bank, get in touch with Just Quote Me.
Just Quote Me have years of experience behind them when it comes to offering insurance to UK customers and are flexible enough to offer policies that are perfectly matched to your needs and requirements. There is no single policy that can fit all businesses, so Just Quote Me strive to deliver packages that suit each business and domestic customer down to the ground. This means that no-one needs to pay for anything that they don’t need.
Policies That Pay Out
The team at Just Quote Me have been in the insurance trade for years and have worked with a wide array of customers to deliver policies and customer service that surpasses all expectations.
Unlike some of our competitors, we work hard to ensure that payouts are made whenever you have a claim – and we explain each and every policy to you in depth too, preventing you from being tripped up by small print and clauses.
Why not get in touch today if you’re looking for the top insurance brokers in Staffs, Stafford, Staffordshire and the West Midlands?
To get a FREE no obligation insurance quote:
Go to our online Quote System or call us on 0800 084 2325
