by jqm | Jul 9, 2020 | Home Insurance, Insurance Broker, Insurance Online, Landlord Insurance
Around 55% of landlords own more than one property, with 17% owning at least five properties. For some, these will be residential only. For others, there will be a mix of residential and commercial. Insuring each one individually can be time-consuming and costly, especially if discounts are available for insuring multiple properties under one policy. This is where Property Owners Portfolio insurance comes in.
The Benefits Of Property Owners Portfolio Insurance
Property Owners Portfolio insurance offers landlords a convenient and cost-effective way to combine all their properties under one policy. However, it doesn’t have to mean choosing a ‘one size fits all’ policy. Elements can be adapted dependent on the building, its purpose, its location, and level of risk. Without such insurance, a landlord may find themselves having to cover the cost of unpaid rent or extensive repairs to a building or its contents.
What Does The Insurance Cover?
Property Owners Portfolio insurance can cover different things dependent on need and level of risk. For example, a commercial property may need to cover a landlord in case of accident or injury, which won’t be needed in a residential property. Similarly, a residential property might need appliances to be covered, something not needed in a shop. In general, however, insurance will cover:
- Property damage, from tenants and from fire, flood or vandalism
- Contents damage, whether this is shelving or white goods
- Loss of rent, allowing a landlord to maintain his income.
Taking Out Property Owners Portfolio Insurance
When multiple properties are involved, getting insurance right can be a challenge. That’s why it’s best to speak to an insurance specialist such as Just Quote Me. Their highly-skilled and experienced advisors can talk you through just what you need and find the right policy at the right price. Contact them today on 0800 084 2325 or fill in our Quick Quote Form to find out more.
by jqm | Jun 30, 2020 | Car Insurance
Electric vehicles are here to stay. As companies realise the benefits of running electric vehicles, there are more and more electric car and van fleets being built. But when it comes to insurance for these vehicles, what do you need to know?
Cost Of Insurance For Electric Vehicles
Currently, it is a little more expensive to insure an electric vehicle. The reasons for this are that there is not a lot of data about electric cars which leads insurers to be more cautious. The instant acceleration you can get in an electric vehicle is also of concern for insurers. However, most people in the industry fully expect that prices will drop quickly. So it is worth looking around every year when you need a new policy as you will probably be able to get a good discount.
You won’t get electric car insurance with all insurers yet. Some are being a little slow on the uptake with electric cars. Some specialist insurers are offering incentives to insure your electric vehicle with them.
Can You Get Fleet Insurance For Electric Cars?
Fleet insurance is a good way to save money if you run a number of vehicles. You can keep all your vehicles and drivers on one policy, even if the renewal dates are different. There are companies offering insurance, especially for electric fleets. Ther are some that will offer a standard policy but are willing to have electric vehicles on it. When you look into these policies, you have to be very careful that you get the right sort for your vehicles. They do exist, but you might have to do some digging.
Get A Quote For Electric Car And Van Fleets
When it comes to getting the cheapest deal, you’ll be best served by going through an insurance broker. Just Quote Me has the knowledge and contact to find you the best deal. They can often get you deal that you wouldn’t otherwise be able to get. To see what they can get for your electric car and van fleets contact them today.
by jqm | Jun 28, 2020 | Car Insurance
Multiple Vehicle Insurance
If you run multiple vehicles, then it may be cheaper to get them all insured on a single policy. There will also be less paperwork to deal with, and it can make renewals more straightforward. If you don’t have multiple vehicle insurance yet then here is everything you need to know.
Types Of Multiple Vehicle Insurance
There are a few different types of multiple vehicle policies to choose from. There are policies for both personal and business situations. You can get policies that allow separate drivers to have their own policies fro the same car. You can have the same drivers on multiple cars, or you can have a group of individual drivers on their own individual vehicles. Getting the right option for your situation can save you both money and hassle.
Who Is Multiple Vehicle Insurance Good For?
If you live in a household that runs multiple cars, then you should get them all on a single policy. You can have multiple drivers on each of the cars so you can have maximum flexibility.
If you have several drivers who use the same car, you can insure them separately, within a single policy. This means that if one driver has an accident, then the price for the others is not affected, but you still get the group discount.
If you are a business with a small fleet of cars, each driven by a specific driver, then you should take advantage of a group policy. It lowers costs and streamlines the process of managing your insurance.
Getting A Quote
If you don’t have multiple vehicle insurance yet, you should get a quote today. You can start saving money straight away. You don’t even have to add all the vehicles at once. Most policies will allow you to have different renewal dates for each vehicle. So, find out how much money you could be saving now with Just Quote Me.
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by jqm | Jun 25, 2020 | Car Insurance
If you are busy, it can be easy to forget to do anything about your car insurance. You probably got the renewal notice, and unless you could do something about it then and there you forgot. Once you realise the date has passed and it’s too late to do anything about it. You’re stuck for another year, and you don’t even know if you could have gotten a better deal. If this sounds familiar, then don’t despair. It’s not too late to make a change.
Benefits Of Changing Your Car Insurance
Even if you go past your renewal date, it is still possible to cancel your existing policy and get a refund. This allows you to arrange a new policy at a much cheaper rate. The best lead time to starting a new policy is 21 days. The amount of money you can save by doing this will often more than cover the small amount you may lose out on by cancelling your policy.
When you just let your renewal roll on the price will slowly creep up. Even if you haven’t had an accident or claim your insurance company will add a little to your costs every year you are with them. If you haven’t changed in a few years, you could be surprised by just how much you may save by changing.
Get A Free Quick Quote
The best way to find a good deal is to speak to an insurance broker. Speaking to an expert at Just Quote Me will give you the benefit of their experience. There is no reason to pay more for your car insurance than you need to. It’s time you started looking for a quote to find the best deal out there. Stop giving your insurance company more money than they deserve.
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 26, 2020 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance UK
More and more people are beginning to choose flexible working and working from home. Because of this, many people are wondering what working at home insurance is and if they need it? Whether you are new to working from home or have been using your home as an office for a while, having the right cover is important.
Does Working From Home Affect My Home Insurance?
Some home insurance policies might not cover you if you are working from home, and so it is worth checking. Sometimes, office equipment may not be covered, and client visits can be seen as an insurance risk. Home insurance policies are usually designed for domestic use only. Should you need to make a claim when working from home, then you might not be covered.
What Is Working At Home Insurance?
It is possible to get specific insurance to cover working from home. This type of policy will cover business use in the home. It is sometimes available as an add-on to home insurance policies. Working at home insurance will vary depending on your occupation. For example, if you are running a cooking business from your home, there are more risks than someone working part-time at a computer.
Insurance providers will need information on your job and what it involves so that they can provide adequate cover. Anyone who has clients visiting their property for business reasons will also require third party liability which is sometimes included in working at home policies. This will provide cover should someone injure themselves or damage their possessions in your home.
Are You Looking For Working At Home Insurance?
For more information on working from home insurance, and to find out if it could benefit you, get in touch with our team to receive your free quote. At Just Quote Me, we are experts in finding the right insurance policies to suit your individual requirements.
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.
