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.
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 | Mar 31, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Employers Liability Insurance
Employers’ liability insurance can be a confusing product to get your head around. If you have just started a new business, then chances are you are trying to understand it for the first time. Many business owners find themselves wondering what this insurance is and if they need it. Because it can be a legal requirement for organisations, it is crucial you understand the regulations around employers’ liability.
What Is Employers’ Liability Insurance?
This type of insurance is designed to cover the costs that may arise if employees at work make claims. Because it includes the costs of defending your business and settling damages awarded to employees, it is necessary for many. Usually, this type of insurance is combined with public liability so as to protect against all eventualities.
Do I Need Employers’ Liability Insurance?
Any organisation that employs people is legally required to have this insurance in place. If you are self-employed or operating as a sole trader, then insurance is still necessary. The only time a business may not need this cover is if you are the sole director of a limited company and so have no employees. Some clients may require you to have insurance in place even if you don’t legally require it.
How Much Employers’ Liability Insurance Do I Need?
The law states that every business must have a minimum of £5 million cover as a standard. This is because it needs to cover all eventualities and claim possibilities. Failing to have appropriate cover can result in fines of £2,500 a day.
Insurance From Just Quote Me
Because Just Quote Me are specialists in finding insurance, we are able to help you source the best cover for your needs. Our team of experts will understand your business requirements so they can find you the best deal. To discuss your insurance needs, get in touch with our specialists today or fill out our free Quick Quote Form.
by jqm | Mar 24, 2020 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Personal Insurance
Running a business from home is becoming increasingly popular. Because there is no expensive office space, no commuting and flexible hours, this way of working is on the rise. Even working in the comfort of your own home, there are some legal requirements to follow. Having the correct home business insurance in place is vital, but what cover do you really need?
Professional Liability Insurance
Sometimes known as professional indemnity insurance, this cover is not always a legal requirement but often worth considering. It’s a type of home business insurance that will protect you if you make a mistake or provide inadequate service. Because industries such as accountants, IT professionals and designers deal primarily with skills and knowledge, this insurance is good to have. Some clients may only agree to work with businesses that have professional liability insurance in place.
Public Liability Insurance
This insurance will protect you if a client suffers damage to their property or injury because of your business. It will cover the legal costs that could be incurred if a claim is made against you. When you work from home, this is necessary if you have clients come to you for meetings or consultations. Also, if you regularly visit clients’ homes, then you will require this policy.
Home Insurance
Home insurance is often broken down into buildings insurance and contents insurance. Building insurance covers damage to the property itself, and it is likely you will already have this because it’s part of a home insurance package. If you are using your home as office space, you may need to check your existing policy as some won’t cover for this. Contents insurance covers the possessions within your property. Again, it is likely you already have this, but you may need to amend this to cover business devices.
Where To Get Home Business Insurance
If you are confused about which types of insurance you will need for your home business, then our expert team can help. At Just Quote Me, we are specialists in insurance and can help you find the best options for your unique needs. Find out how much your cover will be by filling out our free quick quote form.
