by jqm | Aug 25, 2020 | Commercial Insurance, Compare Public Liability Insurance Quotes, Insurance, Insurance Online, Just Quote Me
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.
by jqm | Aug 18, 2020 | Business Insurance, Business Insurance UK, Employers Liability Insurance, 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.
by jqm | Aug 11, 2020 | Business Insurance, Business Insurance Blog, Compare Public Liability Insurance Quotes, Employers Liability Insurance, Insurance
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.
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.
