by jqm | Jul 28, 2020 | Business Insurance UK, Home Insurance, Insurance, Insurance Broker, Landlord 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.
by jqm | Jul 14, 2020 | Home Insurance, Insurance, Landlord 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.
by jqm | Jun 11, 2020 | Commercial Insurance, Insurance, Insurance Broker, Insurance Online, Motor Fleet Insurance
If you are concerned about the CO2 emissions of your HGVs, then you might be considering gas powered fleets HGVS. The CO2 emissions are lower than the diesel alternatives. Reasons to make the switch include lower fuel costs, less dependence on the oil market, ease of transforming existing diesel engines to gas, as well as reducing the impact of HGVs on air quality. So what do you need to know before you make the switch?
Insuring Your Gas Powered Fleets HGVs
Insurance for fleets of HGVs can be complicated. You need to make sure that you have everything you need, ideally in a single policy. If you have to insure each vehicle separately, the whole process can become complicated and unwieldy. With a gas powered fleet HGVs, you also have the added complication of insuring a non-standard vehicle. Your insurer must be aware of and willing to cover your fleet.
Getting A Quote
At Just Quote Me, they work with you to make sure you have the cover you need for your situation. If you have more than five vehicles, then fleet insurance will be the way to go. Speaking to a broker at Just Quote Me will help you to identify if you need to have named drivers or not. Within these policies, it is still possible to offer cover to any of your drivers who may be owner-operators. However, you will need to discuss this as not all policies have this flexibility built-in.
Speak to an agent today to find the best price and coverage level for your situation. HGVs are a specialist item, and gas powered fleets even more so. That’s why it is so important to get as many quotes as possible to make sure you get the right deal for you.
by jqm | May 19, 2020 | Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Just Quote Me
When planning a wedding, no one wants to think about the things that could go wrong. The reality is that disasters can strike and impact your dream day. Wedding insurance can help to protect you from sudden cancellations, a damaged wedding dress or stolen gifts. While every wedding couple hopes they will never need wedding insurance; it can provide peace of mind. This is because you will be protected should things go wrong, and you won’t lose out on the money you have spent.
What Is Wedding Insurance?
Insurance for a wedding covers for circumstances beyond a couple’s control. It can mean that you aren’t left out of pocket if something goes wrong, and your insurance policy will reimburse you. For example, if your DJ doesn’t turn up and you book a last-minute one on the day for three times the price. Or your reception venue goes out of business just before the big day, and so you lose your deposit. Wedding insurance can protect against these kinds of financial loses.
Types Of Insurance For Weddings
All kinds of insurance can be complicated because there are many conditions and clauses to consider. When it comes to wedding insurance, there are two types;
- Liability: This protects you should there be any accidents or injuries during the wedding. Some venues require couples to have this cover, so be sure to find out.
- Cancellation: This will cover you for all the money spent on the wedding if it should be cancelled. Almost all insurance policies of this type only cover for cancellations that are out of your control. This is because they do not cover change of heart.
Are You Looking For Wedding Insurance?
Many couples choose to invest in insurance so that their wedding is covered should something happen. Here at Just Quote Me, we can help you to find the insurance policy for your wedding. Get in touch with our team of experts today to receive your free no-obligation quote.
by jqm | May 5, 2020 | Business Insurance, Business Insurance Blog, Insurance, Insurance Online, Insurance Quote Online
The Coronavirus pandemic has left many business owners looking to their insurance policies to see if they are covered. Because of the conditions of most business insurance agreements, many do not cover the impact of a pandemic. Businesses often need to have a specific pandemic insurance clause in their policies, or a standalone policy to protect from this.
If you are wondering what pandemic insurance is and if it could benefit your business, then read on for our mini-guide.
What Is Pandemic Insurance?
The majority of UK businesses don’t currently have cover for pandemics in place. In the wake of the Coronavirus, insurance coverage is causing problems for many companies. It also highlights a clear gap in policies. Pandemic insurance is a specific policy which covers if losses should occur because of a pandemic. This type of insurance will look different depending on the business type.
Events and venues may have insurance coverage for cancellations and postponements. Similarly, retail and hospitality could receive protection for closures and loss of earnings. When purchasing pandemic insurance, it is vital to look at the terms and conditions closely. This is because the level of cover and applicable situations can vary significantly between insurance providers and policies.
Do I Need Cover For Pandemics?
An insurance policy which covers for pandemics is a relatively niche product, and so many businesses haven’t invested in it previously. The Coronavirus pandemic has meant many companies are now seeing the value in this cover.
If you own a business that could in any way be affected by a crisis such as Coronavirus, then insurance is worthwhile. This includes all industries and business sizes, and the type of cover might need to be tailored to your business needs.
Are You Looking For Pandemic Insurance?
Here at Just Quote Me, we are specialists in finding the right insurance policies for you. To discuss your pandemic insurance needs, and get a free, no-obligation quote, get in touch with our team today.
by jqm | Apr 28, 2020 | Insurance
There is more pressure for businesses to consider their environmental impact. Converting to an electric fleet is an easy change to make. It is good for the environment and your bottom line. Currently, 7.3% of newly registered cars are alternate fuels cars, and this number looks to be rising. If you have already made the change or are preparing to, then let us help you with our electric vehicle fleet insurance.
The Benefits Of Electric Vehicle Fleet Insurance
There are many advantages to getting electric fleet vehicle insurance; here are few to consider.
- Single Policy, Many Vehicles – No one likes paperwork. By only having one policy for your whole fleet, you will drastically cut down on the paperwork you need to do and track.
- Single Renewal Date – With one policy to cover your whole fleet, you only have to consider your insurance once each year. If each of your vehicles is insured separately, then you need to keep track of all the dates.
- Flexibility – With traditional car insurance changing and adding drivers can be timeconsuming and costly. With fleet insurance, the process is simplified and affordable.
- Comprehensive Cover – Getting fleet insurance will make sure that all your cars are fully covered. This will protect your business, your employees and the public.
- Lower impact Claims – If you have to claim against one of the vehicles in your fleet, the cost on your premiums will be spread over the whole fleet. This will reduce the overall impact of a claim on your finances.
Who Is It For?
Fleet insurance is for businesses with more than one vehicle. If you have two or more electric vehicles that you use for commercial purposes, then this is the insurance for you. Any electric vehicles can be covered, not just cars.
Get A Free Quick Quote
If you are ready to streamline the insurance with electric vehicle fleet insurance, then it’s time to contact Just Quote Me for a personalised quote.
by jqm | Apr 21, 2020 | Car Insurance, Insurance, Insurance Online, Insurance Quote Online
The number of electric cars in the Uk has been steadily rising. In the third quarter of 2019, over 220,000 new electric vehicles were registered. With traditional car manufacturing hit by COVID-19, it is highly likely that that number is going to skyrocket, once the world is up and running again. All these cars need to be insured. If you are thinking about becoming an electric car driver, then you should consider getting electric vehicle insurance, instead of standard car insurance.
Why Get Electric Vehicle Insurance?
Electric cars are not the same as traditional cars. They have different strengths and weaknesses, and insurance for them should reflect that. You expect your car insurance to have provision for broken windshields, accidental damage and theft. But, have you considered the other issues that affect an electric car only?
Battery Leasing – Some electric cars are cheaper because you don’t buy the battery outright, you instead lease it from the manufacturer. This is an added complication if there are issues with your car. With electric vehicle insurance you know you are getting coverage from a provider that is prepared to deal with this sort of situation
Emergency Recharging – New drivers of electric cars sometimes struggle to manage the range. Planning routes between charging points can be a challenge. For peace of mind, you might want to have cover if you run out of charge. So you can get an emergency charge.
Charging Cable Accidents – What happens if someone trips over you charging cables and gets injured? Your insurance should cover you in the event of such an accident.
Get A Free Quick Quote
If you are ready to get electric vehicle insurance, then it’s time to contact Just Quote Me for a quote. Make sure you have the best cover for your electric car.
by jqm | Apr 14, 2020 | Home Insurance, Insurance, Insurance Online, Insurance Quote Online
Few things are more evocative of the English countryside than a thatched roof. Around 20% of the listed building in the UK have thatched rooves. However, it is not only old houses and cottages that are sporting thatched roof. They are becoming increasingly popular in new builds. After all, it is a sustainable and environmentally friendly building material. It looks great too. However, if you are considering buying a home with a thatched roof, you need to take into consideration the extra cost of getting thatched home insurance.
Why Is Thatched Home Insurance More Expensive?
A few factors affect the price of insurance for a thatched home.
Fire Risk – The problem is not that thatched homes catch fire more often than any other type of home. The problem is how fast the fire can spread. If a thatched roof catches fire, it will most likely all go up in flames. The same is not true for a tiled home. So because the scale of a fire is likely to be larger, this will raise the insurance costs.
Rebuild Cost – When you get an insurance quote the amount you will pay id based on how much it would cost to rebuild you home. Thatched rooves are a specialist feature. This means getting an artisan to reroof your home will cost more than a more standard tile finish. This pushes up the cost. Hopefully, as thatched properties increase in popularity, there may be more tradesmen, and the prices will come down.
Listed Status – around 75% of thatched homes are listed properties. If this is true of your home, then it will cost more to insure, for this reason, nevermind the thatch.
Get A FREE Quote
If you need a quote for thatched home insurance, then get in touch with Just Quote Me for your free no-obligation quote. You can get an idea of the costs to insure your current home or a new property.
by jqm | Feb 25, 2020 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Online, Insurance Quote Online
No matter the type of business you are running, you will need some form of insurance. Because insurance protects you and your business from losses, it is not only a requirement but also a sensible investment. When you get a business insurance quote online, you might come across various cover options.
So that you can choose the best insurance for your business, it is important you understand the different covers available. Once you know the coverage you need, you can then begin searching for the best price.
Read on for information on what business insurance you may need, and how to get a business insurance quote online.
What Is Business Insurance And Why Do I Need It?
Before you begin looking for quotes for your business insurance, you need to understand what insurance you need. If your business operates with other people, including customers clients or suppliers, then you will need public liability insurance. Because you are operating with others, public liability insurance is an essential but not a legal requirement to protect you from compensation claims.
If you have a business that offers a professional service or advice, then professional indemnity insurance might also be worthwhile. For businesses with more than one employee, employer’s liability insurance is a legal requirement. This is because you will need to be protected against any possible claims from members of staff.
How To Get A Business Insurance Quote Online?
Once you have a good idea of the business insurance you need, you can begin looking for a quote. So that you can get the best deal, it is vital to shop around for your insurance. There are various online services which make comparing quotes much quicker and easier, such as Just Quote Me. Because we understand the time and effort involved with getting various quotes, we do the hard work for you. Simply visit our quick quote form to begin your business insurance quote online today.
by jqm | Jan 30, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Commercial Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online
In the UK, manufacturing is big business. The sector is one of our largest employers and makes a huge contribution to the British economy. Which is why when something goes wrong, the impact can be significant. As well as the business itself, its supply chain or the broader economy may feel the effect. And, with so many moving parts, there is a good chance something will go wrong at some point. Insurance for manufacturing industry, therefore, is vital. It isn’t something any manufacturing business can do without.
Complexities of manufacturing plant insurance
Because businesses produce goods in so many different ways, insurance that works for one business won’t necessarily work for another. To make sure they get it right, therefore, businesses should talk to an insurance broker, one who understands what they need and can get them the right policy at the right price.
This policy (or a combination of policies, depending on the business) should cover them if the business is unable to operate for any reason. Their factory, or warehouse, for example, might not be available due to fire or flood. Damage to equipment that produces goods will also stop a business operating. Insurance can cover the cost or repair replacement.
Businesses need to think about cover for accidents or injuries. They must, by law, have Employer’s Liability Insurance, which covers them if their employees are hurt, and they (the employer) are at fault. If they have regular visitors, however, or open their premises to customers, public liability insurance is a must.
Buying Insurance for Manufacturing Industry
With so many elements to consider, you are bound to have questions. At Just Quote Me, we are here to help. To get the answers, call Just Quote Me for FREE on 0800 084 2325 or go online to get a quote today.
by jqm | Jan 23, 2020 | Business Insurance UK, Business Liability Insurance, Compare Public Liability Insurance Quotes, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Local Business Insurance News
The term manufacturing means different things to different people. Across the UK, businesses are currently manufacturing everything from clothing to car parts, washing machines to computers. It’s no wonder; then, that, when it comes to manufacturing insurance, one size definitely doesn’t fit all. And why most companies use insurance brokers to help them find the right coverage for them in a complex market.
Manufacturing Insurance Policies
A good manufacturing policy will protect a business from a range of risks. This ensures they can continue to operate even if something significant goes wrong. Depending on the type of business, the level of risk, and the level of cover needed will differ. Insurance brokers, therefore, will often combine policies to get the best deal for their clients. These combined policies should include:
- Public liability: covers businesses for accidents involving visitors where the business is found to be at fault.
- Employer liability: covers businesses for workplace accidents involving their employees (again, where they are at fault).
- Equipment: covers businesses for damage to equipment such as computers
- Machinery: covers businesses for damage to machinery used to produce goods
- Business interruption: covers businesses if they cannot operate for any period of time, as a result of fire or flood, for example. It can also include coverage for businesses if they cannot access the needed supplies.
It’s important to note that the Employer’s Liability Insurance is mandatory, whether or not a business takes out any other element of manufacturing insurance. However, while other insurance might not be required legally, the risk of not being insured is high and probably not worth taking.
Buying Manufacturing Insurance
For businesses looking to take out or renew their manufacturing insurance, call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Jan 16, 2020 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Online Business Insurance Quote
One thing every business owner knows is that if something can go wrong, it will. For those involved in manufacturing, however, the impact of this ‘something’ can be significant in a way it might not be for other, office-based, businesses. That’s because manufacturing businesses need machinery to operate. They also need factories or warehouses to operate that equipment from.
If machinery breaks, a factory or warehouse is accessible, or manufacturing supplies aren’t available, a business could fail. Which is why insurance for manufacturing plants is essential.
What do Insurance for Manufacturing Plant policies cover?
While manufacturing businesses may be different from office-based ones, the insurance they need is actually very similar. It needs to cover them for:
- Accidents or injuries to their employees where the business can be found negligent (Employer’s Liability Insurance)
- Accidents or injuries to visitors (including customers) where the business can be found negligent (public liability insurance)
- Damage to equipment, including computers and phone systems, required to run the business
- Damage to machinery required to produce goods
- Loss of access to premise used to manufacture products, whether temporary or permanent.
- Loss of access to the supplies needed to manufacture goods.
There will be risks attached to each of these. Some will be higher than others. Where a factory or warehouse is, for example, to increase the risk of flooding, which could reduce access. Whether a business sells direct to customers could increase the risk of accidents to visitors.
Buying Insurance for Manufacturing Plant
A good insurance broker will work with a business to assess these risks and find the right policy or combination of policies to meet their needs at the right price. Which is why, if you are looking for insurance for your manufacturing business, you need to call Just Quote Me for FREE on 0800 084 2325 or get a quote online using their Quick Quote Form.
