by jqm | Mar 7, 2019 | Home Insurance, Insurance Online, Insurance Quote Online
Searching for home insurance online is a normal process for people who are looking to renew their policy and also those who may be looking for their first policy. It can be easy to visit an insurer’s site and just choose the first policy you find. However, taking time to compare cheap home insurance online ensures you get a policy fitting for your home.
What is Home Insurance?
Home insurance protects your property. It protects it against things such as fire, flood and damage to the home and also your belongings. Home insurance combines two distinct covers: buildings insurance and contents insurance. You can buy these separately but it is more common to buy them in a package.
Buildings insurance specifically protects the structure of your house. This includes permanent fixtures and fittings such as fitted kitchens and toilets.
Contents insurance relates to your possessions. It protects personal possessions and valuables against accident, damage and loss, but they usually have to be listed in an inventory.
Information Needs to Compare Cheap Home Insurance Online
When you are looking for home insurance online, some questions will occur regularly. To compare home insurance online you’ll probably need to provide the following information:
- Specific property details including when it was built, the type of lock on the front door and whether it has a flat roof or not
- An estimated rebuild value for your home
- An estimated value of your personal belongings
- Details of your current home insurance if you have any, including any claims made
- Number of occupants living in the home
Does Everybody Need Home Insurance?
Home insurance is not a legal requirement. Although you do not need to have it, it is definitely a good investment should the worst happen to your home. What’s more, mortgage lenders usually insist you have buildings insurance. Many lenders will not arrange your mortgage without appropriate buildings insurance in place.
Annual home insurance policies differ from company to company which is why it’s important to compare quotes. Similarly, if you have a special kind of home such as a listed building or a home with a thatched roof, you will need specialist insurance.
Compare Cheap Home Insurance Online with Just Quote Me
You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.
by jqm | Oct 23, 2018 | Home Insurance, Insurance, Insurance Online, Insurance Quote Online, Landlord Insurance, Personal Insurance, Public Liability Insurance
If you enjoy time away in your own holiday home, then you’ll need holiday home insurance to protect it if anything goes wrong. Holiday home insurance protects your getaway when you are staying there, and when you not.
A holiday home is vulnerable to the same risks as your own home. It may suffer from flooding. Alternatively, it may suffer from roof damage. As well as the building of your holiday home being at risk, the contents may also be at risk of damage or theft. Your holiday home insurance is there to protect both your buildings and contents.
Why Do I Need Holiday Home Insurance?
While holiday home insurance is similar to a standard home insurance policy in what it covers, there is a critical difference. Standard home insurance policies will be invalid if the property is empty for over 30 days a year. Your holiday home is likely to be vacant for 30 days in a year, which will mean it needs a specific insurance policy to ensure it remains valid.
If you also rent out your holiday home, then your insurance policy will need to cover this aspect of your business. You can tailor your holiday home insurance to your needs. As well as covering your contents and buildings, it can also include the loss of rent and public liability too.
What Can I Include In Holiday Home Insurance?
Building cover is usually part of the policy as standard, but other aspects you may see in a policy include;
- Contents insurance
- Emergency travel cover
- Personal possessions insurance (for items that you store outside of the home)
- 24-hour helpline.
All policies will vary in what they offer. It is essential to state exactly what you want your plan to include and also read the small print carefully.
Do you have questions about Holiday Home Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 23, 2018 | Business Insurance, Insurance Online, Insurance Quote Online
Most renewable energy businesses are rural or a diversification of an original business such as a farm. This can mean you believe you are already adequately insured. However, the renewable energy sector has its own risks and therefore, many insurance providers now offer unique renewable energy insurance for your business in this area.
Renewable energy insurance premiums are tailormade and can cover a wide range of different types of energy and premises. Specialist property insurance is often a requirement. You will find insurance covers possible for many different structures and types of renewable energy including:
- Biomass and wood chip boiler systems
- Onshore and offshore wind turnbines
- Wave and tidal marine systems
- Hydroelectric plants and systems
- Hydrogen fuel cell developments
- Biogas and anaerobic digestion
- Solar energy plants and developments
These are among the most common kinds of renewable energy development which require insurance, but this list is not exhaustive. The renewable energy sector is growing rapidly. Therefore, being fully prepared and covered is key to ensuring business growth in the future, even if accidents and problem occur along the way.
What Does Renewable Energy Insurance cover?
Renewable energy insurance is highly varied due to the different types of energy and the structures involved. The insurance can be in place from before building begins and can incorporate many of the following:
- Construction and/or erection all risks cover
- Advanced loss of profits cover
- Delay in start-up cover
- Operational all risk cover
- Machinery breakdown cover
- Business interruption cover
You may also find renewable energy insurance cover which incorporates more typical business insurances needed by all companies. For example, it may be possible to build in public liability and employers’ liability insurance to a larger renewable energy insurance premium, dependent on the insurer.
Renewable Energy Insurance with Just Quote Me
Just Quote Me work with many progressive businesses in the renewable energy sector. Whatever types of energy you are producing we can help organise the right insurance cover. Contact us today to discuss your individual business needs.
by jqm | Feb 13, 2017 | Insurance Online, Insurance Quote Online
The best-rated food businesses can benefit from a discount on food hygiene ratings insurance quotes at Just Quote Me. We’re offering all businesses with over three ratings for food hygiene a discount off their business insurance premium.
The food hygiene rating your business has is closely linked to its reputation. Picking up a single bad rating can damage your business’ chance of repeat custom. All businesses that sell food, from restaurants to pubs and cafes to hotels and even food shops, need a good reputation. Without this they cannot effectively trade and sell food.
The Food Hygiene Rating Scheme (FHRS) in England, Northern Ireland and Wales helps customers choose where to eat and where to shop for food with information about the hygiene standards they keep. Customers can make an informed decision on their next purchase or their next meal out. As a business in the food sector you want to be recognised for the right reasons and with good ratings you’ll attract a better standard of customer.
Get your Food Hygiene Ratings Insurance Discount Today
Food hygiene ratings in England, Northern Ireland and Wales go on a scale from zero to five. Five is the highest score you can get with zero the lowest. Food safety officers determine the food hygiene rating on three standards:
- Hygienic handling of food including preparation, cooking, reheating, cooling and storing
- Condition of the building: how clean is the building? They will check lay out, ventilation and lighting.
- Management and records: how the does the business manage and record food temperatures
Every food safety inspection will cover these areas. At the end, the food safety officer will give the owner or manager of the business a rating on the 0-5 scale. Finally, they will also make recommendations on how to improve and ensure a higher rating is possible next time.
All businesses awarded three ratings or higher can enjoy a 10% discount on their Food Hygiene Ratings Insurance with Just Quote Me. Simply mention JQM10 to the team member you speak to when getting your quote. Remember, we’ll need to see a copy of your ratings certificate to guarantee your discount.
by jqm | Jan 22, 2017 | Business Insurance, Business Insurance Blog, Insurance Online, Insurance Quote Online
Compare Small Business Insurance Online
A new facility is now available for all Small Businesses owners in the UK, Just Quote Me have a new website quote and buy facility which caters for any Small Businesses needing Insurances where they can visit and Compare in seconds the best Insurance prices for their exact Business activities.
“Our Quote and Buy Small Business Insurance comparison site is the latest and one of the most Innovative systems in the UK today” said Oliver Roberts Managing Director of Just Quote, we want to combine the opportunity for Small Business Owners in the UK to get their own quotations online but then we as Professional Insurance Brokers will arrange to call the Business Owners and at our expense and spend quality time to explain any potential hidden warranties or clauses that the policy may contain this then not only reassures our clients that they have indeed got the best price available in the UK today but also they can adhere to the small print and therefore any potential claim will be paid not repudiated!”
To get a FREE no obligation Small Business Insurance Online quote:
Go to our online Quote System or call us on 0800 084 2325
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
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 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 14, 2016 | Business Insurance, Car Insurance, Insurance Online, Just Quote Me
Average UK Car Insurance Bill Sees Huge Increase in Last 12 Months
Consumer Intelligence, a market research agency who provide statistics to the government, has reported that the average UK car insurance bill increased by 13% in the last year. The reason for this has been put down to high claims, repairs and the coming tax rise.
A surge in costly claims has played a key role in this increase according to the market research agency. It seems that motorists are having to pay the price for advances in technology. Repairs to cameras, sensors and other modern features are ramping out the costs of claims and this is coupled with the coming hike in tax on insurance, which may mean the next time vehicles come up for insurance the prices will be even higher.
The average UK premium according to this new research is £788. This is a 13.5% increase in the year to August 2016. It gets worse regionally as in the North West and London drivers are paying up to 50% more than the national average, with North West drivers paying £1177 on average and £1068 on average for London drivers.
More and more of the big names insurance have hinted there are more price increases to come. LV= have been public in their suggestion that there will be further price increases in the coming year.
“Huge Differences” in Car Insurance Premiums across the UK
Consumer Intelligence themselves stated there are ‘huge differences’ across the country and also in between the different age groups on the roads. Younger drivers have always traditionally paid the highest bills and this is still the age, with the average premium for under 25s at £1,831.
On the positive side, younger drivers are seeing their premiums increase at a slower rate than other age groups. The cheapest place to insure a car according to this data is Scotland, where the average premium is just £562.
Changes to Insurance Premium Tax
The standard rate of insurance premium tax has just risen from 9.5% to 10% on 1st October. This measure was announced in the March 2016 budget and has taken place to boost flood defences and support those regions hardest hit by flooding.
The government predict that this change will see very small increases in insurance premiums for most drivers, citing a figure of £2 per year but insurers and industry experts appear to think differently.
Speaking on behalf of Consumer Intelligence their Chief Executive Ian Hughes commented: Ian Hughes, chief executive of Consumer Intelligence, said: “The latest increase in insurance premium tax which takes effect next month, as well as rising claims, are driving the rise in premiums.”
Whether you require car insurance for personal purposes or for business, it is a legal requirement and so even if it seems like your premium is too much or too expensive, it can’t be avoided. Comparing car insurance quotes online can help you to get the best level of cover for the best value. You don’t have to renew with your current provider and are free to shop around for the best possible insurance for your vehicle.
by jqm | Sep 22, 2016 | Business Insurance, Insurance Online, Insurance Quote Online, Just Quote Me, Personal Insurance
Our new online Insurance website is for quick business and personal insurance quotes
We’ve just launched our new website. Just Quote Me is an online insurance company that offers fast, simple business and personal insurance.
We offer a wide range of insurances from business to personal including:
Business Insurance
Business Insurance
Vehicle Fleet Insurance
Commercial Combined Insurance
Shop / office Insurance
Landlord Insurance
Cyber Liability/ Data protection Insurance
Public Liability Insurance
Employers Liability Insurance
Shop Insurance
Security Company Insurance
LPG Business Insurance
Pub, Club & restaurant Insurance
Tradesman’s Insurance Contractors All Risk Insurance
Food Hygiene Ratings Insurance
Scores on the Doors Insurance
Eat Safe Insurance
Professional Indemnity Insurance
Takeaways & Fast Food Outlets Insurance
Hotels & Guesthouses Insurance
Commercial Letting Insurance
Mortgage Brokers PI Insurance
Offices & Surgeries Insurance
Estate & letting agents
Personal Insurance
Car Insurance
Van Insurance
Home Insurance
Travel Insurance
Multiple Vehicle Insurance
Life Insurance
Mortgage Insurance
Pensions Insurance
Investments Insurance
Key man Insurance
Just Quote Me Ltd is a registered company in England and Wales. Registration number 7773836
If you would like a business or personal insurance quote please contact Just Quote Me on: 0800 084 2325
