by jqm | Nov 16, 2016 | Business Insurance, Public Liability Insurance, Small Business Insurance Quote
Our leading UK Public Liability Insurance policies are designed to ensure you have access to the appropriate level of cover for your business. Public Liability Insurance is designed to protect your business from a wide range of different potential claims from members of the public.
Public liability insurance covers your business against the costs of claims that come from a member of public who has suffered an injury or damage to their property because of your business or business activities. This member of the public could be a client, a passer-by or anyone on your premises or around when you are at work. Public liability insurance will also cover you if your business takes you to other people’s properties and premises, should your work result in an accident or injury.
Public liability is one of those types of insurance that all professional and sound businesses see as essential because it ensures they are protected should the worst happen. It protects your business against unexpected circumstances and unpreventable accidents.
What level of Public Liability Cover do I need?
The level of public liability insurance that a business needs is dependent on many factors. It will depend on the kind of work carried out and the risks associated with that work as well as the size of the business. It will also depend on the kind of contracts your business works on. For example, any company that works on government contracts, on a local or national level, will be required to have a public liability premium of a minimum of £5million and this rises to £10million in some cases.
When selecting your cover, it is important to look in depth at all elements of the insurance contract and ensure it provides what your business needs. In particular, you should look out for any exclusions and inclusions that are written into the policy. In some areas of business, you may find there are excluded elements you need in your policy and it could be worth discussing these with your chosen insurer directly or looking elsewhere. Companies working in particularly hazardous sectors such as those where dangerous chemicals and substances such as asbestos are common will need to look closely at the entirety of their chosen policy. This is to ensure it specifically provides cover for these hazards.
Running the Risk of No Public Liability Insurance
Public Liability Insurance is an optional insurance premium that most smart business owners invest in. Not having the cover in place means you have no financial protection should the worst happen. As well as the compensation costs for the injured party, if there was a claim, you would also need to find the funds for your legal defence and these costs quickly add up and can seriously affect the working capital of any business.
Affordable, Comprehensive Insurance Policies
Just Quote Me is a proud and experienced provider of affordable and comprehensive insurance policies for a diverse range of industries and professions. Minimum cover levels start from just £1 million and go beyond £10 million tailored to the individual needs of the business. Whatever your requirements Just Quote Me can ensure your public liability insurance is perfect for your business.
If you are looking for a reliable and competitive public liability quote, then you are in the right place. Contact Just Quote Me for all your Public Liability Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Nov 9, 2016 | Builders Insurance, Business Insurance Blog, Small Business Insurance
Builders Public Liability Insurance – Looking to compare Builders Insurance?
At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes. You will get some of the best rates and covers available in the UK today!
What Insurance do Builders and Building Companies need?
Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off. Then it becomes the responsibility of their customer to insure.
Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.
Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.
Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
by jqm | Nov 4, 2016 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Just Quote Me, Small Business Insurance, Small Business Insurance Quote
Federation Of Small Businesses (FSB)
Are you a member of the Federation Of Small Businesses (FSB) and looking for the best prices in the UK for Small Business Insurance? Then we can help – Just Quote Me the UK’s fastest growing Online Business Insurance comparison site and just what you need to get the expert advice and fantastic prices that you need on insurance.
Paying too much? Does your Renewal price seem to go up year after year then use our FREE Quote System to get your own prices and see if your current providers are indeed charging you way too much.
So for the best Small Business Insurance prices for FSB members Insurance visit our FREE Quote System or call us on 0800 084 2325.
by jqm | Nov 1, 2016 | Business Insurance Blog, Coach Hire Insurance, Small Business Insurance
Looking for Coach Hire Insurance?
Coach Hire Insurance is a very specialist Insurance product and Just Quote Me have some of the best prices available in the UK today.
We cover single coaches or multiple vehicle fleets across the UK – our panel of Insurers are experts in the placement of this type of Insurance – offering full passenger liability for any vehicles up to 52 seats.
Cover can be Fully Comprehensive or Third Party Fire and Theft or even Third Party Only and various drivers options give different discounts.
If you are interested in a free no obligation coach hire insurance please contact Just Quote Me on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Oct 27, 2016 | Business Insurance Blog, Insurance Online, Just Quote Me, Small Business Insurance
Are you looking for Small Business Insurance?
Just Quote Me is one of the UK’s fastest growing Small Business Insurance Providers. We offer insurance for small businesses – anything from Shops, Offices to Landlords, Restaurants and the Motor Trade. So if you are a small to medium business or SME – contact Just Quote Me to see how we can help you.
You can receive a FREE no obligation quote by contacting us on 0800 084 2325 or by filling out our Online Quote System that quotes some of the best Business insurance prices available in today’s every changing insurance market., our online quotes cover all the specifics sections needed to ensure you have not only the best price but also the best cover for your exact business needs.
Our Online Quote System ensures you have not only the best price but also the best cover for your exact business needs.
If you prefer to call us – Our team of highly trained staff will ensure that you are fully aware of not only the cover limits but also the warranties and clauses specific to your policy so that you know what you have to do to make sure the policy will pay out in the event of a claim.
Warranties and clauses can vary from policy to policy and occupation to occupation but a typical clause will be regarding minimum security to your premises such as five lever mortise dead locks, window locks for all accessible downstairs windows etc – theses are extremely important to know so that you can ensure you are meeting these requirement and then in turn your claim will be paid.
For expert small business insurance advice call Just Quote Me FREE on 0800 084 2325 or by fill out our Online Quote System.
by jqm | Oct 26, 2016 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Just Quote Me, Small Business Insurance
Looking for Simple Business Insurance?
Simple Business Insurance from Just Quote Me is available to all UK Businesses via our new website – justquoteme.co.uk
The process is easy. All you need to do is call for FREE on 0800 084 2325 or enter your details into our Online Quotation form and then our Quote and Buy system will compare Simple Business Insurance Quotes from our various Insurers.
Simple Business Insurance is available to over 3500 different occupations and the types of insurance we offer cover any of the following:
We have them all covered via our Simple Business Quotation system – Our clients are proof of just how fantastic this system is why not try for yourself – after all it’s free!
For Simple Business Insurance visit justquoteme.co.uk now and see how much you could save. Great prices, exceptional covers!
by jqm | Oct 24, 2016 | Business Insurance, Business Insurance Blog, Insurance Online, Insurance Quote Online, Just Quote Me, Small Business Insurance
Are you looking for LPG Insurance?
Just Quote Me offers specialised LPG Insurance to businesses across the UK.
We’ve been arranging LPG Insurances for companies who both store and distribute LPG across the UK. Just Quote Me covers the cylinders whilst in transit, we cover the refilling tank at your premises and it’s contents, we cover all Liabilities needed and clean up costs etc in the event of a spillage or contamination of third party property.
For companies involved in the LPG industry, we can offer best rates and bespoke covers to you, why not call now and get a quote from the insurance experts! we understand your Industry and how passionate LPG companies are about both their products but also the fuel itself which is a greener and far more cost effective fuel than other alternatives.
We understand your Industry and how passionate LPG companies are about both their products but also the fuel itself which is a greener and far more cost effective fuel than other alternatives.
For all different aspects of LPG company Insurance Just Quote Me can offer a unique policy to cover all your demands and needs so visit us now and get it covered right!
Call FREE on 0800 084 2325 or fill out our online quote system.
by jqm | Oct 18, 2016 | Business Insurance, Just Quote Me, Local Business Insurance News, Small Business Insurance
Are you looking for insurance quotes that are tailored to your unique requirements?
Then head to Just Quote Me today. All too often, insurance policies do not offer the right level of cover to suit an individual or business. In the event of a claim, this can lead to big problems.
When you purchase your insurance through Staffordshire company Just Quote Me you can rest-assured that your policy has been tailored to your exact and specific needs. This isn’t surprising when you consider that the team behind Just Quote Me has over 28 years experience in the insurance arena and so possesses a wealth of industry knowledge.
We look to find you cheap insurance that offers you the right level of cover. Whether you require business insurance, landlord insurance, vehicle insurance or travel insurance, Just Quote Me should be your first port of call.
Giving you back Control
Just Quote Me works to give its customers back control of their insurance.
Therefore it offers a very transparent service that enables West Midlands customers to choose the insurance policy that suits their needs exactly.
If you’re looking to reduce the cost of your insurance without lowering the level of cover you receive, speak to one of the friendly team on 0800 0842 325.
by jqm | Oct 14, 2016 | Business Insurance, Car Insurance, Insurance Online, Just Quote Me
Average UK Car Insurance Bill Sees Huge Increase in Last 12 Months
Consumer Intelligence, a market research agency who provide statistics to the government, has reported that the average UK car insurance bill increased by 13% in the last year. The reason for this has been put down to high claims, repairs and the coming tax rise.
A surge in costly claims has played a key role in this increase according to the market research agency. It seems that motorists are having to pay the price for advances in technology. Repairs to cameras, sensors and other modern features are ramping out the costs of claims and this is coupled with the coming hike in tax on insurance, which may mean the next time vehicles come up for insurance the prices will be even higher.
The average UK premium according to this new research is £788. This is a 13.5% increase in the year to August 2016. It gets worse regionally as in the North West and London drivers are paying up to 50% more than the national average, with North West drivers paying £1177 on average and £1068 on average for London drivers.
More and more of the big names insurance have hinted there are more price increases to come. LV= have been public in their suggestion that there will be further price increases in the coming year.
“Huge Differences” in Car Insurance Premiums across the UK
Consumer Intelligence themselves stated there are ‘huge differences’ across the country and also in between the different age groups on the roads. Younger drivers have always traditionally paid the highest bills and this is still the age, with the average premium for under 25s at £1,831.
On the positive side, younger drivers are seeing their premiums increase at a slower rate than other age groups. The cheapest place to insure a car according to this data is Scotland, where the average premium is just £562.
Changes to Insurance Premium Tax
The standard rate of insurance premium tax has just risen from 9.5% to 10% on 1st October. This measure was announced in the March 2016 budget and has taken place to boost flood defences and support those regions hardest hit by flooding.
The government predict that this change will see very small increases in insurance premiums for most drivers, citing a figure of £2 per year but insurers and industry experts appear to think differently.
Speaking on behalf of Consumer Intelligence their Chief Executive Ian Hughes commented: Ian Hughes, chief executive of Consumer Intelligence, said: “The latest increase in insurance premium tax which takes effect next month, as well as rising claims, are driving the rise in premiums.”
Whether you require car insurance for personal purposes or for business, it is a legal requirement and so even if it seems like your premium is too much or too expensive, it can’t be avoided. Comparing car insurance quotes online can help you to get the best level of cover for the best value. You don’t have to renew with your current provider and are free to shop around for the best possible insurance for your vehicle.
by jqm | Oct 3, 2016 | Business Insurance, Business Insurance Blog, Just Quote Me
What is the Consumer Insurance Act and What Does It Mean for You?
The Consumer Insurance Act became law on 6th April 2013. It made the relationship between insurers and their customers much more transparent. It made it clearer what information needs to be disclosed to the insurer at the time of taking out insurance. The legislation meant there were some changes to keep in mind for customers as well as insurers.
The last change to non-disclosure in insurance contract law prior to 2013 was in 1906 so definitely in need of an update. The Association of British Insurers code of practice on non-disclosure played a role in minimising the number of claims declined because of this issue but the legislation itself needed updating too, and that’s what the government did.
What does the Consumer Insurance Act mean?
Your insurer is obliged to ask specific questions to gain the relevant information about your individual circumstances when buying insurance. You probably see similar questions whenever taking out a policy. The Consumer Insurance Act provides legal protection for you, if you accidentally or unknowingly provide incorrect or incomplete information to your insurer. Your insurer is not legally allowed to decline a claim on non-disclosure grounds unless it can be proven you were especially careless or deliberately misrepresented your circumstances.
The Consumer Insurance Act applies to all policies which are taken out for personal use. This means anything from home insurance to pet insurance and car insurance to health insurance. It is applicable to all personal use insurance policies wherever they are bought and through whatever means.
Whilst there have been no huge changes because of this legislation, it is important to have it officially put down on paper. Prior to the Act insurers could theoretically act unscrupulously and decline claims on the basis of non-disclosure because of genuine accidents, but it wasn’t a common practice.
Can Claims still be Declined on the Basis of Non-Disclosure?
As mentioned above there are cases where non-disclosure is the right reason for declining a claim. The Consumer Insurance Act allows insurers to decline claims if the customer can be found to be deliberately, carelessly or recklessly giving incorrect or incomplete material about their circumstances when applying for insurance. You have a legal responsibility to answer all the questions correctly and if you have any concerns or cannot answer a question, you should contact your insurer immediately.
Terms such as deliberately and carelessly can be difficult to pin down exactly, but the legislation simply requires all consumers to take reasonable care whenever answering questions about your circumstances.
The insurance industry has made considerable changes to its practices to ensure that consumers feel they are being treated fairly. This Act simply puts down many of these changes into law and means any companies still choosing to act unfairly and unscrupulously will struggle to do so.
If you have any questions about the Consumer Insurance Act please contact Just Quote Me on 0800 084 2325 or email us at contact@justquoteme.co.uk
