by jqm | Feb 1, 2017 | Business Insurance, Landlord Insurance, Local Business Insurance News
Landlord Insurance Quotes
If you are a landlord then you will most likely already know that you need to cover the risk of any potential loss resulting from your property letting activities. The problem is that there are a few barriers to obtaining this type of cover which you may or may not be aware of already. At Just Quote Me we can help you Compare Landlord Insurance Quotes Online.
Being turned down for landlord insurance is really not what you want to hear when you are a busy property owner with many other things to worry about! We have an online quote system for all your landlord insurance quotes – so why not try it out today or give us a call for FREE on 0800 084 2325.
Looking for Landlord Insurance but been refused insurance cover before? See some of the reasons below…
The most obvious reason for being refused insurance will often be the simple fact that you were refused insurance in the past.
For businesses providing cover, this is of course a simple way for them to mitigate their risk, filtering out those potential new customers that have been deemed to be too high a risk in the past!
Should this be the case with your property then check the small print of the policy with your provider. You need to be certain that you do have insurance in place, whatever the case may be.
Is your rental property secure from break-ins?
You will often be asked when you are arranging property insurance about the type of locks that you have got installed in your front door. You may also be asked to guarantee that all of your properties windows can be locked with a key. Naturally, it is most sensible to fit locks to your doors and windows that comply with the highest security standards, for peace of mind if nothing else.
The thing is, you may not know that your insurance request may be declined if you do not comply with the relevant security standard that the Insurance provider has chosen to adhere to.
Again, check the policy detail to see exactly what the requirements actually are, do not just sign-up blindly to anything!
You should have put formal tenancy agreements in place
In this day and age, the vast majority of insurance companies will require their landlord customers to have signed formal tenancy agreements with their rental properties tenants. If you do not already have tenancy agreements in place then, again, check with your provider.
In certain cases, cover may still be possible, for example if you are renting to family or friends, but so check first.
Declared bankrupt or have a Credit history with CCJ’s (County Court Judgement’s)?
Should you have been declared bankrupt or had any CCJ’s issued against you, then you may find that it is not possible to arrange landlord cover. This however depends on the cover provider. It is still possible to arrange a policy. If in doubt, contact us today and we will explain exactly what is possible.
Still a little confused about arranging Landlord cover?
So there you have it, several examples of the sometimes unexpected issues that can crop up and get in the way of you being able to arrange the cover that you need in order to cover the risks that you face as a property owner letting out their accommodation.
We will always go the extra mile to make sure that you obtain the cover that you need. Simply get in touch with our friendly team at Just Quote Me and let us show you how we are different!
To get a FREE no obligation Landlord Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 23, 2017 | Business Insurance, Business Insurance Blog, Tradesman's Liability Insurance
Tradesman’s Liability Insurance is available from Just Quote Me
Just Quote Me offers Tradesmen the ability to compare prices from various Insurers for Tradesman’s Public Liability and Tradesman’s Employers Liability. We have the added benefit of adding tools cover and Contractors All Risks Insurance if required.
There are also various sums Insured from £1m to £5m as standard and then higher limits are available on request.
As we know there are vastly different types of Tradesman in the UK from one man bands to Multi national organisations Employing thousands of employees. We can offer superb bespoke covers for all of them, some obvious covers required would be Public Liability Insurance and Employers Liability Insurance. We then have the option to add your tools to the policy whilst you are working away from your home or business premises, this can be invaluable as a Tradesman’s tools are his or her life blood, if they are stolen or damaged beyond repair more than often the replacement costs can be expensive, as they may have be added to year on year and often replacements can run into thousands of pounds. This is where tools cover can be a must for Tradesman to Insure against possible total loss or theft.
Contractors All Risks Insurance can be a more complex cover, and our team of experts are on hand to advise clients of what exactly this cover is, and what sections each unique risk may need if not all sections available.
Contractors Insurance can cover various things such as your materials being used or in use during a contract, the contract value itself, theft of tools and or work in progress which can include materials already fixed to the fabric of a premises but still being worked upon, after all until a job is signed off to your customer the materials in trade are your responsibility for Insurance purposes, as is own Plant and Machinery, Hired In, or Hired Out Plant can also be included under this particular insurance cover.
What ever covers you need we at Just Quote Me Ltd will be able to tailor make a policy to suit your demands and needs.
To get a FREE no obligation Tradesman’s Liability Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 22, 2017 | Business Insurance, Business Insurance Blog, Insurance Online, Insurance Quote Online
Compare Small Business Insurance Online
A new facility is now available for all Small Businesses owners in the UK, Just Quote Me have a new website quote and buy facility which caters for any Small Businesses needing Insurances where they can visit and Compare in seconds the best Insurance prices for their exact Business activities.
“Our Quote and Buy Small Business Insurance comparison site is the latest and one of the most Innovative systems in the UK today” said Oliver Roberts Managing Director of Just Quote, we want to combine the opportunity for Small Business Owners in the UK to get their own quotations online but then we as Professional Insurance Brokers will arrange to call the Business Owners and at our expense and spend quality time to explain any potential hidden warranties or clauses that the policy may contain this then not only reassures our clients that they have indeed got the best price available in the UK today but also they can adhere to the small print and therefore any potential claim will be paid not repudiated!”
To get a FREE no obligation Small Business Insurance Online quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 19, 2017 | Business Insurance, Insurance Broker, Insurance Online, Local Business Insurance News
Looking for the Top Insurance Brokers in the West Midlands?
Insurance does not have to be expensive in order to be efficient, so if you’re looking for affordable cover that won’t break the bank, get in touch with Just Quote Me.
Just Quote Me have years of experience behind them when it comes to offering insurance to UK customers and are flexible enough to offer policies that are perfectly matched to your needs and requirements. There is no single policy that can fit all businesses, so Just Quote Me strive to deliver packages that suit each business and domestic customer down to the ground. This means that no-one needs to pay for anything that they don’t need.
Policies That Pay Out
The team at Just Quote Me have been in the insurance trade for years and have worked with a wide array of customers to deliver policies and customer service that surpasses all expectations.
Unlike some of our competitors, we work hard to ensure that payouts are made whenever you have a claim – and we explain each and every policy to you in depth too, preventing you from being tripped up by small print and clauses.
Why not get in touch today if you’re looking for the top insurance brokers in Staffs, Stafford, Staffordshire and the West Midlands?
To get a FREE no obligation insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 19, 2017 | Local Business Insurance News, Motor Trade Insurance
Looking for motor trade insurance in the UK?
The market can be confusing and it can leave you wondering which policy is right for you. However, when you get in touch with the Insurance team at Just Quote Me they can match you with a policy that provides you with the cover that you need. When you’re buying and selling vehicles from your home or you’re a franchise dealer with various sites, Just Quote Me is on hand to help make sure that you’re fully insured.
Insurance that’s Tailored to your Needs
Unfortunately, a one-size-fits-all approach doesn’t work when it comes to insurance. Everyone is different and as a result a bespoke insurance policy is required to ensure that a policyholder is possesses the right amount of cover. This is where many insurance providers go wrong and policyholders often find that their insurance policies do not protect them in the event that something goes wrong.
Just Quote Me has been a leader in its field for 28 years and has built up a solid client base of private and commercial clients who require insurance that’s tailored to their needs. Whether you’re in Staffordshire, West Midlands or anywhere else in the UK, get in touch with the team.
To get a FREE no obligation motor trade insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 17, 2017 | Business Insurance, Business Insurance Blog, Online Business Insurance Quote
Looking For Online Business Insurance Quote?
There are various ways to get a Business Insurance quote in the UK. We are experts in the provision of Business Insurance and our team of experts have over 30 years experience in placing risks both over the phone or during a face to face meeting.
Using our online Business Insurance system you are able to get a quick insurance quote or you can call for FREE on 0800 084 2325. You can choose to pay in full or set up monthly direct debit payments to suit your individual business needs.
Other more complex risks will need our traditional approach were we sit with you at your premises or via a conference call and collate all the information needed to create and provide the best policy that suit your individual company demands and needs.
To get a FREE no obligation Business Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 16, 2017 | Business Insurance, Business Insurance Blog, Small Business Insurance
Compare Small Business Insurance online
Contact Just Quote Me for all your small business insurance quotes online.
Do you need to provide proof of cover for your clients contracts?
Can’t get on site without proof of Public Liability Insurance or Employers Liability Insurance , then look no further than Just Quote Me, we have, over the last two years been busy creating a fantastic platform for you to login and get your own personalised quotations to suit the individual needs of your business. Please remember that your policy will only cover the business description listed on the schedule, so it’s imperative you make sure all your business activities no matter how small are included in this schedule.
Our small business insurance experts
Our business insurance experts are on hand, and can in an instant give you the expert advice you need if you are unsure of any of the sections needed to complete the online quotation process. We also offer instalments so you can spread the cost over a ten month period.
Many Tradesman’s insurance policy have warranties and clauses that are not always easy to see or indeed to understand at Just Quote Me we make it our business to ensure you are fully aware of the warranties and clauses so you can be informed whilst running your business on a day to day basis that will help to ensure your policy will indeed indemnify any loss of an insured peril.
Contractors Insurance is also a complex policy often having Contractors all Risks Insurance to cover Contractors tools equipment and materials whilst on site or whilst being used on a contract, this of course accompanies Contractors Public Liability and if required Employers Liability, please be aware that you will need to notify Insurers of any Labour only Sub Contractors and also any Bone-fidelity Sub contractors as to ensure you are fully protected in the event of such a claim arising.
Quality Business Insurance is, in the event of a claim priceless, let us guide you through the buying process and keep you protected.
To get a FREE no obligation Small Business Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 11, 2017 | Business Insurance, Business Insurance Blog, Professional Indemnity Insurance
A guide to Professional Indemnity Insurance
What exactly is Professional Indemnity Insurance? And do you need it?
Quite simply Professional Indemnity Insurance is a type of Insurance to cover any individual or company that provides a service or advice for a fee. In other words, if you have certificated a piece of equipment as an Electrical contractor and then the equipment causes a loss to the client then this would be a Professional indemnity claim.
Another example would be if, as a professional, you give advice to a company and they follow that advice that causes them a loss then they would be able to make a claim on your Professional Indemnity Insurance too!
More businesses should have this cover
Less than 25% of UK businesses that really should have PI insurance cover actually do so, why is this? Basically it is because either they, or their current insurance providers, don’t understand it. They have more than likely not identified that such an exposure exists within the business and have therefore not catered for it fully.
This is where we can help with our over 30 year’s relevant Insurance industry experience. We can offer not only a free quotation but also specialist advice on how to fully to protect you and or your companies exposure thereby providing you with Professional Indemnity cover that fully suits your requirements.
Why choose Professional Indemnity Insurance Cover?
Why should you purchase this cover if you already have Public and Products Liability cover you may well ask? Well, Public Liability Insurance will basically provide cover for injury etc. to the Public. Products Liability will, in essence, pick up any loss or damage to a third party should a Product that you have supplied fail or be faulty. These will pick up the tangible asset damage but what about the financial loss arising from any advice that you have given? This is where PI (Professional Indemnity) becomes a must have cover.
Do you design something for a professional fee, such as an architect would? If you do, and then, for instance, a builder or manufacturer goes on to build or make the product to your specification, what happens if the item or build isn’t correct and then, as a result, causes a loss to a third party? This again would be a Professional Indemnity claim against you and your insurers which you need to make sure that you, as a responsible business, have got covered.
We can help you with your Insurance questions!
If you are unsure of your real world exposure then please do get in touch with our experts now and, even if only for peace of mind, let us advise you correctly so that you can make a fully informed decision regarding your insurance requirements.
To get a FREE no obligation Professional Indemnity Insurance quote
Go to our online Quote System or call us on 0800 084 2325.
by jqm | Jan 5, 2017 | Business Insurance Blog, Landlord Insurance
Landlords Insurance is a different type of Insurance to standard Home Buildings and contents Insurance, standard Home Insurance policies do not cover many of the contingencies required by Landlords Insurance.
There are various specific unique insurance covers needed such as Property Owners Liability Insurance, this is cover for the Landlord or Property Owner. This will cover for injury to the general Public as part of the Landlords buildings Insurance. A common claim could be, for instance, where a loose roof tile comes off in a storm and hits either a third party person or third party’s property. In such a case it is then that Property Owners Liability Insurance, which is part of the covers JustQuoteMe Landlords Insurance provides, comes into its own.
How do you compare Landlords Insurance quotes and what does it cover?
First of all, compare the small print detail of the Landlords Insurance. Look at each individual section of the policy and compare your shortlisted policies side by side.
Another cover section that is unique to Landlords Insurance or Property Owners Insurance is that this type of Insurance cover helps with Loss Of Rent.
Quite often, during a major loss, the landlord or property owner can be left waiting to get repairs effected and will be in the hands of builders until the repair work is completed. It is one thing to rebuild the property, or repair property damage, but what about the loss of rental income during this period? Well this is where this cover section can prove to be invaluable for property owners and landlords. It means that any of our clients, with Landlords Insurance and Property Owners Insurance cover, can continue with their lives whilst the bricks and mortar are replaced!
And what about the all-important buildings sum insured amount you may ask? Well, what on earth do you, as a landlord seeking property owners insurance, set the sum insured to? Here is a bit of a tip regarding the buildings sum insured – it should be set for the cost of any potential rebuild and not the saleable value of the property!
Remember, a property in for instance London, may sell for ten times the value of a property in the North of the UK, but the rebuild cost is virtually the same. It is the same give or take the varying builders rates in different areas, so be careful when setting the building sum insured! Make sure that it covers just the rebuild cost. We would also always advise a contingency of, say 15%, on top of that figure for debris removal too. This is because the builders will have to clear the site before they can actually make a start and commence the rebuild!
Our Property Owners Insurance and Landlord Insurance Cover
Our unique Landlords Insurance can also accommodate ‘Landlords contents Insurance’. This is great if you provide, for instance, white goods or basic furniture which in the event of a total loss you would want repayment for. In this way, you can mitigate your risk as a property owner and this is another option we can incorporate for you.
Rent guarantee and Landlords legal expenses are another key area that a lot of providers forget to either advise on or can’t actually offer cover for. JustQuoteMe can offer both and, bear in mind, Rent Guarantee Insurance covers the Landlord for loss of rent subject to the tenant not paying the rent. This is known as an insured peril! If you have a large portfolio of property then this type of cover can prove to be invaluable. Finally, Landlords legal expenses covers you for legal disputes with Tenants etc. and assist both parties in, hopefully, coming to an amicable agreement.
Landlords and Property Owners Insurance cover can be a bit of a minefield but, with the right policy in place, you can rest easy with Just Quote Me!
To get a FREE no obligation Landlord Insurance quote go to our online Quote System or call us on 0800 084 2325.
by jqm | Jan 4, 2017 | Farm Insurance, Local Business Insurance News
Whatever your farm specialises in, it’s crucial that you have farmers insurance in place to cover you from financial loss in the unfortunate event of a claim.
Whether you keep livestock, grow crops and grains or even produce fuel, you need to purchase adequate insurance to protect your business should the worst happen. Many people purchase farmers insurance through Just Quote Me – one of the leading business insurance comparison websites in the UK.
The Right Policy To Suit Your Needs
It’s important to remember that one size doesn’t fit all in the world of business insurance. This is especially the case for farmers who often have very distinct business models.
The Just Quote Me team work with farmers throughout the UK to provide them with the right farmer insurance policy to suit their needs.
The company works in conjunction with Rural Insurance Group in order to access the right cover for its clients. Running a farm can be a tough job, so why not let the experienced team Just Quote Me take care of your insurance needs?
Whether you’re in Staffordshire or the West Midlands, the team are on hand to help you access the most suitable cover for your farm.
To get a FREE no obligation Farm Insurance quote go to our online Quote System or call us on 0800 084 2325.
