by jqm | Jun 19, 2017 | Personal Insurance
Driving uninsured is one thing but it is equally important to ensure your caravan is insured before you attach it to the back of your car. Millions of Brits love a caravanning holiday. If you’re lucky enough to own your own then the summer season is bound to be your favourite. Making the most of your holiday is easier if you make sure you’re fully prepared and this includes ensuring you have appropriate caravan insurance in place.
Is there a law relating to Caravan Insurance?
Motorhomes which your drive along are classed as self-propelling vehicles and so must definitely be insured. They need a minimum of third-party vehicle insurance. A towed caravan is a different matter but it is still highly recommended for your safety that you have a good level of caravan insurance. Your caravan is a significant investment, imagine trying to deal with the costs if it is damaged or stolen. The cost of caravan insurance is more than worthwhile in these situations.
Your car insurance will only cover towing of a small trailer usually so it is unlikely to be enough to cover your caravan. Of course, before investing in caravan insurance you can ring your vehicle insurer to be safe.
Arranging Specialist Caravan Insurance
At Just Quote Me we can help ensure you get the right level of caravan insurance. Specialist caravan insurance takes into account many different factors and may cover many different things including:
- New for old replacement cover
- European travel cover
- Loss of use cover
- Accident damage cover
- Theft
- Legal expenses cover
This is just an example of what may be available but it will vary from case to case.
If you want to discuss your caravan insurance and get ready before you head out on the road, please contact us today.
by jqm | Jun 16, 2017 | Business Insurance, Pub Insurance
The weather is finally getting warmer. This means your customers will want to get out in your beer garden to enjoy their drinks al fresco. But combining alcohol with heat, pint glasses and gazebos can create certain problems. However, just by taking some preventative measures, you can ensure your pub garden remains a safe place for your customers to enjoy.
Check the condition of garden furniture
Last year’s garden furniture might have looked great then, but it can have to endure a lot in a year. Bad weather and general wear and tear will affect the condition of your furniture. Check over all the furniture and make sure it’s in good enough condition. If you have smoking shelters, then check they survived too. In fact, over the winter, storm damage to smoking shelters can often be the most common claims insurers receive. You should also check all the umbrellas still remain firmly stuck into the ground and that decking and patio isn’t slippery after rain.
New activities, services or equipment
If you want to introduce some new activities this year, consider what implications these could have on your existing insurance. Even something as simple as a temporary bouncy castle or a BBQ. So, check your current policy or contact your insurer to make sure you have the right cover.
Switch to plastic cups
Ideally, pubs should aim to collect in all glasses, pint pots and tumblers after dark. This will help reduce theft and keep your customers safe. Alcohol makes people dehydrated a lot quicker when the weather is hot. So, you need to keep an eye out for those customers who are getting very drunk. The easiest way to minimise the risk of broken glass is by removing it altogether. Switching to plastic cups will be much safer for everyone. You will find that some customers won’t be happy about it though. So you’ll need to explain that you are just considering their safety.
Take on extra staff
If you are planning to hold events during the summer, you might want to consider employing extra staff on site. With potential underage drinking, drunken arguments and other antisocial activities regulated, your bar staff can concentrate on their job. If you’re a small establishment, make sure at least one member of staff regularly walks around the premises to check on things.
Always know who is buying from the bar
When the bar becomes exceptionally busy, it can become difficult to control who is at the receiving end of a round. This can be particularly true when parties have hidden themselves away at the back of the beer garden. Therefore, always operate the Challenge 25 or Challenge 21 rule. Ask the person buying the round who they drinks are for. Never worry about asking these questions. It’s your job and license on the line after all.
Know the law
You can’t expect to remain claim-free if you don’t follow rules outlined in your licence or within UK law. Avoid extended drinking hours if you don’t have the appropriate licence. Also, try to reduce the noise after 11pm if your pub is in a residential area. If someone submits a claim, things will become more difficult for you if you are already breaking the law.
Choose the right pub insurance
Choosing the right insurance package to suit your pub is essential. Business insurance is a legal requirement for all pub owners, but cover requirements will vary. You should make sure you have insurance for:
- Public liability in case someone becomes injured or property becomes damaged due to negligence on your part. Both of which become more likely when people have been drinking a lot of alcohol.
- Employer cover. This will protect you in case your employees become injured or ill as a result of working for you.
- Protection from theft and accidental damage.
- Business interruption in the event of losing your liquor licence or if the pub becomes flooded.
- The pubs convents, which includes all fixtures and fittings.
by jqm | Jun 8, 2017 | Business Insurance, Commercial Insurance
Hoteliers are hoping that 2017 will become a record year for the UK hotel industry. Hospitality experts predict that the UK will see an increase in both international and domestic visitors holidaying in the UK. In fact, 63% of international tourists say they are now more inclined to holiday here, compared to last year. That’s according to a recent survey by Barclays. Meanwhile, 31% said the weaker pound was their reason behind choosing a UK holiday. But perhaps the more surprising reason for coming to the UK came from a fifth of respondents. They revealed that watching TV programmes about the British Royal Family influenced their choice of holiday destination.
Staycations boosting UK hotel industry
And it’s not just foreign visitors choosing the UK for their next holiday. The UK staycation has never been so popular. Almost a third of British holidaymakers expect to stay in the country for their holiday, with many believing they get more holiday for their money that way. Around 7.3 million Brits chose to holiday in England in early 2016, a 10% rise on the year before, says Visit England.
Looking ahead
Despite a slump at the end of 2016, the outlook for 2017 looks far more optimistic. The number of overseas tourists is expected to rise over 4% in the next year, according to VisitBritain. Meanwhile, inbound tourist spending will likely see an 8% boost. And while good news, hotels must quickly adapt to the rapidly changing marketplace. Over the next year, hotels will need to utilise tactical deals and offers to attract price-savvy travellers. Promoting key features like amenities, quality service and room service will also become more important than ever before. And as we start to gradually realise the true impact of Brexit, hoteliers will need to maximize their revenue from every booking they make.
Hotel insurance
If hotels in the UK are going to be enjoying a boost in trade this year, then it’s even more important to make sure you have the right insurance cover. Your insurance package should be tailored to suit your business needs, while also including:
- Buildings and contents.
- Public liability.
- Employer’s liability.
- Business Interruption.
- Legal Expenses.
So whatever might be ahead for UK hospitality, at least you will have peace of mind that you are prepared for the unexpected. After all, to secure the future of your business, you need to start protecting it today.
by jqm | Jun 6, 2017 | Business Insurance Blog, Farm Insurance
Looking for Farm Insurance?
Just Quote Me have a new approach to Farm Insurance in the UK.
We’ve teamed up with one of the UK’s fastest growing Agricultural Insurance companies who provide specialist Insurance to Farmers in the UK. Prices are amongst some of the best available in the UK today.
We offer a wide range of Farm Insurance cover from:
- Farmhouse
- Farm buildings
- Livestock
- Personal accident
- Machinery
- Cattle straying
- Milk contamination
- Produce
- Employers’ liability
- Public liability
- Commercial
Just Quote Me are confident that we can provide you with the lowest premiums with our Insurers.
Our team of experts will at the very beginning of the quotation process advise you of any potential clauses or warranties that the policy may have, so you can adhere to these and therefore any potential claims that may arise will be met in full, protecting you and your business.
Our policies include the usual Public Liability Insurance, Employers Liability Insurance.
If you would like a free no obligation quote then call Just Quote Me on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | May 31, 2017 | Business Insurance
There are a huge number of businesses in the pet sector. Beyond pet shops, kennels and store there are businesses which offer a range of different services. All businesses in this sector need dedicated pet business insurance tailored to their need.
The pet business sector grows year on year as more people buy and adopt pets. Every responsible pet business owner should ensure they have the right insurances in place. No two pet businesses are the same. Your business may cover may different areas such as grooming, pet sitting, transportation, training or even offering therapies for pets. Your pet business may be home-based, may involve you travelling to others homes or you may have your own business premises. You need to make sure your business is covered for all unexpected possibilities and complications. Pet business insurance helps to ensure this is the case.
Cover Types for Pet Business Insurance
Your pet business insurance should incorporate public liability insurance. This protects it financially should a member of the public make a claim against you. It should also incorporate employers’ liability insurance if you have any employees. This is a legal requirement and you face fines and penalties if you do not have this type of cover in place. Pet business insurance may also incorporate professional indemnity insurance. It is vital if you plan to provide advice and want protection should a customer claim your advice negatively impacted on them or their pet.
Other business insurances such as loss of key cover and property damage insurance may be considerations for pet business owners. If your pet business means you have to enter other people’s homes then both these types of insurance should be a consideration.
At Just Quote Me we work with pet businesses of many sizes to help organise their pet business insurance cover. Please contact us today to discuss your business needs.
by jqm | May 30, 2017 | Business Insurance, Small Business Insurance
A successful hotel should be a busy and bustling place. With staff to handle, guests to satisfy and suppliers to deal with, there are many potential risk points which makes hotel insurance essential. Around the UK there are hundreds of small hotel businesses, all needing their own unique level of cover tailored to their site. Getting a reliable small hotel insurance quote is easy with Just Quote Me as we take into account every aspect of your business, your budget and your requirements.
Will work with you to build a tailored small hotel insurance quote to cover everything you need. Small hotels and guesthouses are usually described as those with less than 20 rooms and your small hotel insurance may need to cover at least:
- Public liability
- Buildings and contents insurance
- Stock cover
- Employers’ liability insurance
- Other covers such as turnover protection and loss of key cover
What Cover will be including in my Small Hotel Insurance Quote?
The real answer to this question is that it is entirely up to you. When you are buying small hotel insurance you need to decide what types of cover you will need. Your small hotel insurance quote will typically cover, at least:
Public Liability Insurance
This will protect you against any compensation claims made by members of the public because of injury or damage which they blame on your business. Your guests and other third parties visiting your business are the reason for public liability insurance.
Employers’ Liability Insurance
As a small hotel owner it’s almost guaranteed you have at least one employee. If this is the case you are legally required to have employers’ liability insurance in place. There are steep fines for businesses operating without employers’ liability insurance in place.
Business Buildings and Contents Insurance
In a business which is so reliant upon its premises, specialist business buildings and contents insurance is a must. This kind of insurance provides you with protection in the event of a fire, flood or theft and the damage thereafter.
Contact us today to get a reliable and good value small hotel insurance quote for your business.
by jqm | May 27, 2017 | Business Insurance
This question is a little like how long is a piece of string. Your business insurance cost will be highly dependent on the size of your business, the level of risk, the type of operations and many other factors. However, your business insurance cost doesn’t have to be something which goes over budget or gets out of hand.
Business insurance should be factored into your budget but you can easily find solutions and cover options tailored to your business at the price you have in mind. At Just Quote Me we work with businesses in many sectors, helping to secure and organise business insurance, at a price which works within their budget.
Business Insurance Quotes
The easiest way to find out the approximate cost of your business insurance is to get a range of quotes. Before this point you should have an approximate figure in mind that you plan to spend. This means you are ready to work with our insurance experts to find insurance which fits your requirements and your budget.
The amount you pay for your chosen business insurance is called a premium. This premium is calculated on a number of things including:
- The nature of your business
- The size of your contracts
- The types of cover you choose
- The cover levels you choose
Business insurers works on the basis of calculating how likely you are to make a claim against the insurance and how much this claim could cost. This in turn means that if you work in a high-risk business, you will have to accept that your premiums may be higher.
At Just Quote Me we appreciate that business owners want the best value and best quality in their business insurance. We will work with you to achieve this and you can find out more by contacting us today.
by jqm | May 26, 2017 | Business Insurance
Recruitment agencies are highly relied upon and trusted businesses. Your advice is something both employers and employees become dependent on. If something should be questioned, negligence claimed or a case brought, you need to be sure you have a good level of specialist recruitment agency insurance. Whether you’re a small individual recruiter or own a large recruitment agency, tailored recruitment agency insurance is essential.
What does Recruitment Agency Insurance cover?
Your recruitment agency insurance can be tailored to your individual business needs. In most instances you will want to consider:
Professional Indemnity Insurance
Professional indemnity insurance is probably the most important type of recruitment agency insurance. It is a vital consideration for any business which offers a professional service to other businesses and individuals. Especially where advice is involved. Should you be accused of giving faulty or ineffective advice then professional indemnity insurance provides the cover you need should a case be proven. Most businesses opt for professional indemnity insurance of £50,000 up.
Public Liability Insurance
Almost all businesses invest in public liability insurance. It protects you should someone be injured on your business premises or due to the course of your work. Many companies will only work with agencies who have this kind of cover in place.
Employers’ Liability Insurance
If you employ a single person then you must have employers’ liability insurance in place. Employers’ liability is a legal requirement. It provides financial cover should an employee be injured or become seriously ill as a result of working for you.
These are the standard types of recruitment agency insurance you may want to consider. Only employers’ liability insurance is a legal requirement, with the risk of financial penalty if you do not have it in place, but all are vital for a successful business. Contact Just Quote Me today to discuss your recruitment agency insurance requirements.
by jqm | May 18, 2017 | Business Insurance, Motor Fleet Insurance
If you run a business and use a van for any purpose, from painting and decorating to floristry, you may have been approached about commercial van insurance. Your van is vital to your business, it is more than a simple domestic vehicle and therefore you need adequate professional insurance. This is what a comprehensive commercial van insurance policy provides. It also helps to ensure you have protection should the worst happen and your van be damaged or even stolen.
For success and smooth running of any business, commercial van insurance is a must. The right level of cover is something you need to assess however, and this is where Just Quote Me can help.
Your Commercial Van Insurance Cover
There are three standard levels of commercial van insurance:
- Third party
- Third party, fire and theft
- Comprehensive cover
The minimum legal requirement you need to be on the road is third party. This cover ensures you are protected should there be any injury or damage to another person of their vehicle. It does not provide any protection for your own vehicle. Third party, fire and theft, as the name suggests, will also cover you should your vehicle be stolen or fire damaged.
Comprehensive commercial van insurance is the maximum cover you can get and often comes with great additional extras. Add-ons such as a courtesy vehicle or windscreen cover can be extremely useful for commercial van owners. What’s more, comprehensive insurance isn’t always a huge increase from third party insurance so it is worth the additional cost.
Multiple Commercial Van Insurance
In the instance that your business has more than one commercial vehicle or van, fleet insurance is a good idea. Many people make a saving even when they have just two commercial vehicles. They can opt for a small fleet insurance policy. You can discuss your specific business needs with us and we will advise the best option for your company and vehicles.
by jqm | May 16, 2017 | Business Insurance
Specialist protection is something plumbers shouldn’t ignore. Investing in specialist plumber’s insurance helps to bring together all the covers a plumber may need in a single package. Whether self-employed or running a larger plumbing business, plumber’s insurance is an essential and it gives you the chance to ensure your business has comprehensive cover.
Plumbers insurance incorporates many different types of cover dependent on the needs of the individual or business. Most plumbers’ insurance will provide:
Public Liability Insurance
While you don’t legally need this type of cover, public liability insurance is one of the most vital types of insurance out there. It will cover any financial liability which may come from a claim being made against your business by a third party. Maybe a third party says they were injured due to your work. Or maybe they suggest damage was done to their property because of your negligence. Public liability insurance will cover their compensation should the claim be successful, as well as your legal fees. Some larger contractors will also only work with plumbers with valid public liability insurance.
Employers’ Liability Insurance
The Employers’ Liability (Compulsory Insurance) Act 1969 makes it a legal requirement to have employers’ liability insurance in place if you employ one or more people. This type of insurance provides protection should your employees fall ill or be injured at work and allege that the business caused their illness or injury.
Additional Plumbers’ Insurance Options
Plumbers may also wish to consider additional cover dependent on the nature and size of their business. Common plumbers’ insurance extras include:
- Tools Cover: you can get cover to ensure your tools are quickly replaced should they be stolen or damaged.
- Buildings Cover: if you have premises for your business then you will want your policy to cover damage against it.
- Vehicle cover: usually you will need separate commercial vehicle cover in additional to your plumbers’ insurance
Arranging all the insurance cover you need as a plumber is easy with Just Quote Me. Contact us today to arrange your quotes and discuss the level of cover you require.
