You can compare many different types of small business cover and related protection such as cost effective public liability insurance together, all in one place.
Check out our other offerings such as employer’s liability and professional Indemnity protection too, all under one easy to use umbrella here at JustQuoteMe!
Paying off your mortgage is something which may take the whole of your life. The length of your mortgage will depend on many factors and any number of misfortunes could come along during the duration of paying it. Life throws us a curveball every now and then and mortgage insurance is designed to protect you should any of these issues effect you. Just Quote Me can help you find the right kind of mortgage insurance for your situation and there are two separate kinds usually available.
Mortgage protection insurance covers the cost of your mortgage payments if you lose your job or become unwell. Mortgage protection insurance will pay out a set amount each month usually for around two years if you are unable to work and therefore make mortgage payments.
Mortgage protection insurance comes in three different types:
All policies are different and you can tailor yours to your needs. Discussing your requirements with our insurance experts at Just Quote Me will help to ensure you get the right cover for your circumstances.
Mortgage life insurance is specific life insurance bought with covering the outstanding mortgage debt in mind. Should the worst happen and you unfortunately pass away, mortgage life insurance will cover any outstanding payment to clear your mortgage. This removes this financial burden from your family and ensures your property is secured for them in the unfortunate event of your death. Life cover is something mortgage lenders often try to sell but you are better speaking to insurance professionals who can provide you with a range of quotes.
It is worth considering whether mortgage life insurance is a good investment for your personal situation. There are different types of policy available dependent on whether you have a family and other considerations so look closely at your options before making a final decision.
With different mortgage insurance options, you may not be sure which type is best for your needs or you may think you need both. Your individual circumstances can be discussed with our knowledgeable team here at Just Quote Me. We can help you find the right cover for your needs and ensure you have financial peace of mind in the most difficult of situations.
Most of us take the time and effort to select the right home insurance and the right car insurance. However, many less of us even consider investing in life insurance, despite our lives being considerably more valuable than our homes or cars.
Life insurance is there to financially protect your family’s future. It usually pays out a cash sum should you die while covered by the policy. Most people pay their life insurance premiums on a monthly or annual basis and it helps ensure you have a level of financial protection should the worst happen and your family be left without you.
When you invest in life insurance you may want particular elements to be included. Standard life insurance plans tend to incorporate the lump sum as mentioned above but you may find other additional policy elements such as:
This type of cover offers financial support should you be diagnosed with a terminal or critical illness. The definition of this term will be outlined by your insurer and may differ from company to company. This type of cover usually pays out within days of a diagnosis and it allows you to make provisions for your family before passing.
Some married couples or even unmarried couples opt for joint life insurance cover. This is something you can consider but you need to keep in mind questions such as whether the pay out is made on first or second death and the relevant and impact this will have on the family.
Arranging the right kind of life insurance cover depends on many factors. Discussing your options with Just Quote Me ensures you’ll get impartial yet supportive and informative advice which can help you in your decision. You will want to keep the following questions in mind.
This is a very personal question and depends on your individual circumstances. If you have loved ones you’ll want to consider how much they may need to get by and you will also want to consider your mortgage and any other debts.
The length of time you choose for your life insurance policy will depend heavily on what you think may be necessary at different stages in your life. With dependents and other loved ones and/or a mortgage to pay off you’ll want to ensure your cover is adequate.
At Just Quote Me we have helped many people talk through their life insurance options and find the right provider for their need. Contact us today to get your quotes and find your ideal level of cover.
You can compare many different types of small business cover and related protection such as cost effective public liability insurance together, all in one place.
Check out our other offerings such as employer’s liability and professional Indemnity protection too, all under one easy to use umbrella here at JustQuoteMe!
You need travel insurance to travel with peace of mind. You need the right level of cover for your travel too, not just any policy. Travel insurance makes sure you get proper medical care should an accident, illness or injury occur. Some travel insurance will also cover transfer back to the UK if necessary.
What’s more, travel insurance isn’t just to cover medical costs. It can help you should there be delays, hotel issues or even incidences such as theft and unwarranted expenses during your travel. Your level of cover will determine what you can claim against.
Many people would assume there is no need to be insured if travelling within the UK. However, accidents still happen, as do delays and other issues with your travel. The NHS removes the worry about medical issues, but what about everything else? What if your luggage is lost or you a victim of theft? With insurance in place these issues do not need to adversely affect your break.
You may or may not know what level of travel insurance you need. Our experts can help you look through a range of quotes and find the right policy for your needs. You may be a frequent traveller and need long-term cover or you may want to just protect yourself for a single special trip. In any event, the Just Quote Me team can help you arrange your policy today.
Most types of insurance on the market are non-compulsory but for homeowners it is almost essential that both home insurance and contents insurance are put in place. Most mortgages have home insurance as an absolute requirement so almost every homeowner needs to explore the policies available to them and find cover to suit their needs.
Most home insurance policies come in two parts. One part covers the house itself and the structure, known as buildings insurance, and another which covers the contents. Most homeowners opt to buy their policies from the same provider but there is no obligation to do so and you can look for the best cover in each instance from different providers.
The house and buildings element of your insurance policy will cover the structural elements of the house as well as fixtures and fittings such as kitchen components and even outdoor structures in some instances. Not all policies will cover additional outdoor features such as boundary fences and gates so make sure to check your policy in full.
Most home insurance policies will have a basic level of cover and this will incorporate financial compensation for damage and loss due to the following causes:
You may find exclusions in your policy and they usually relate to issues such as general wear and tear and damage which occurs due to poor workmanship. Almost all insurance policies incorporate a degree of personal liability cover, which ensures that if someone is injured while in your home and the homeowner found negligible or legally responsible, the policy will pay out.
There are hundreds of home insurance providers so finding the right policy for your individual needs can be tricky. Therefore, speaking to impartial insurance experts can really help. Just Quote Me provide advice and guidance in your home insurance options and will provide you with a range of quotes to choose from.
As home insurance is a significant and essential investment for homeowners it is important to take your time looking over your options. If you have any questions or want to discuss your home insurance comparison quotes or see what we can find for you, please get in contact with Just Quote Me today.
Van insurance in the UK is a critical component for individuals and businesses that rely on vans for transportation, logistics, and other operational needs. It provides financial protection against various risks, including accidents, theft, and damage. The necessity for comprehensive van insurance is underscored by the legal requirement for all vehicles on UK roads to have at least third-party insurance. This article explores the types of van insurance available, factors influencing premiums, and tips for obtaining the best coverage.
Third-Party Only insurance is the minimum legal requirement in the UK. It covers the costs of any damage or injury you cause to other people and their property. However, it does not cover any damage to your own van or injuries you might sustain.
Third-Party, Fire, and Theft insurance offer the same level of cover as TPO but also includes protection if your van is stolen or damaged by fire. This provides an additional layer of security for van owners who want more than just the bare minimum coverage.
Comprehensive insurance is the most extensive type of van insurance. It covers third-party liabilities, fire and theft, and also any damage to your own vehicle, even if you are at fault. This type of insurance often includes additional benefits like windscreen cover, personal accident cover, and the use of a courtesy van while yours is being repaired.
The type of van and its intended use significantly impact the insurance premium. For instance, a larger van used for heavy commercial purposes typically attracts a higher premium compared to a smaller van used for personal or light business purposes.
Younger drivers or those with less driving experience usually face higher premiums due to the higher risk of accidents. Conversely, experienced drivers with a clean driving record benefit from lower premiums.
A history of previous claims can increase insurance costs. Insurers view drivers with a history of frequent claims as higher risk, thus charging more for coverage.
Vans equipped with advanced security features such as alarms, immobilizers, and GPS tracking systems often qualify for lower premiums. These measures reduce the risk of theft, making the van less costly to insure.
The more miles a van covers annually, the higher the insurance premium. Higher mileage increases the likelihood of accidents and wear and tear, thus raising the insurer’s risk.
Comparing quotes from different insurers can help find the best deal. You can get an instant quote for Van Insurance from this website by completing this short form. We’ll get back to you within 24 working hours and you may be surprised by how much you can save on your current policy.
Agreeing to pay a higher voluntary excess can reduce your premium. However, ensure that the excess amount is affordable in the event of a claim.
If you have multiple vehicles or other types of insurance (such as home or business insurance), consider bundling them with the same provider. Many insurers offer discounts for multiple policies.
Keeping a clean driving record free of accidents and claims can significantly lower your premiums over time. Insurers reward safe drivers with lower rates.
Investing in additional security features for your van can lead to discounts on your insurance premium. Consider installing tracking devices, immobilizers, and advanced locking mechanisms.
At Just Quote Me we can provide car insurance for business and personal vehicles. Whether you need personal car insurance or business car insurance or even further reaching fleet insurance, we offer a range of options and opportunities to get a unique car insurance quote.
Car insurance usually incorporates a number of key covers and may include cover for accidental damage, fire and theft and windscreen repair or replacement. Some car insurance policies include cover for personal items left in the vehicle and some also offer legal expense cover should a claim occur, as well as courtesy vehicle provision should your car be damaged or stolen.
Getting the right level of car insurance tailored to your needs is not always as simple as it first appears which is why Just Quote Me are on hand to discuss your options and provide expert advice about the best car insurance quotes and premiums for your vehicle and situation.
At Just Quote Me we specialise in quality insurance premiums and offering quotes to suit almost every situation.
It is common experience of many that their car insurance is sold quickly and without due care and attention to whether it is the right level of cover and fully adequate for the purposes of the driver. Far too many insurance policies are sold on a generic basis rather than one tailored to the policyholder and for real peace of mind it pays to find cover which is ideal for your situation.
Just Quote Me pools the talents of insurance professionals with over 30 years’ industry knowledge and experience, with many very experienced in car insurance in particular. We are proud to have placed cover for national businesses including charities, wine bars, nightclubs and places of worship.
We believe in offering value and quality, never at the expensive of a client’s cover.
As one of the most common kinds of insurance premium, car insurance can be found in many different places, for different prices and cover levels.
Our unique position as an independent brokerage means we can compete with both other car insurance brokers and direct market insurers, in terms of both price and service.
Just Quote Me have, in conjunction with Rural Insurance Group and other providers, arranged a fantastic policy to cater for all aspects of Farmers needs and the specialist Farm Insurance that they need.
We are here to help you to find the right policy at the right price, simply use our unique quote engine, by filling in your details, and you will get a quote within no time.
Whether you are a milk farmer or indeed a cattle farmer we have the right covers for you including Public liability for straying of livestock, hay and straw extensions and cover for possible contamination of Milk storage vessels.
You may need insurance for farm equipment or agricultural plant such as Tractors and Combine Harvesters, if so, we have got your needs covered, simply compare farm insurance cover online today for the best quote to suit you!
Lets face it Farmers haven’t had it easy for the last few years so the worry of adequate or indeed correct Insurance that will in the unfortunate event of a claim pay out as intended, we have years of experience in the placement of Farm Insurances and would welcome the opportunity to quote for your Insurance demands and needs, please complete the form and our team will provide you with the best possible quotation in the UK available to us!
Get a FREE Farm Insurance quote by filling out our Quick Quote form or by calling 0800 084 2325.
If your business relies upon more than one vehicle driven by different drivers, then it is wise and cost effective to invest in specialist small fleet insurance. Small vehicle fleet insurance is designed to suit the smaller business which doesn’t have a requirement for large scale fleet insurance, yet needs more than regular car insurance to be fully protected. Small fleet insurance policies are generally designed for businesses with two to five vehicles in operation for commercial purposes. Vehicles can include anything from:
This is just a short list, other vehicles can be included too, provided you discuss your specific needs with the insurer.
A single small fleet insurance policy makes good business sense to protect your company and your drivers. Individually policies for each vehicle can become costly, especially when they’re driven by several different individuals and it also becomes an administrative nightmare to keep on top of the relevant paperwork for each policy.
A small fleet insurance policy will cover all your vehicles under a single motor insurance certificate. The insurance certificate will cover all vehicles you have specified and whilst there is paperwork to fill out, once it’s done you have a comprehensive policy you can rely on to keep your vehicles and your staff protected, as well as the general public.
A small fleet insurance policy is much more flexible than a regular car or vehicle insurance policy and it can be tailored to your business needs as closely as possible. Just Quote Me specialise in finding the right insurance policy for your business. It can be designed on a fully bespoke basis to suit your small fleet, whether that’s two cars or a range of industrial vehicles. You have the same obligations to inform your insurer of any changes or accidents as with a regular insurance policy and it simply has that wider scope to cover your whole fleet.
Contact Just Quote Me for all your Small Fleet Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.
Just Quote Me offers specialist advice and insurance cover for your e-cigarette shop, wholesale and manufacturing. Both e-cigarette insurance and vape insurance options ensure there is a solution for your business and you can feel safe in the knowledge your business is protected.
As an emerging sector which is only set to grow further, the e-cigarette industry comes with many risks which make it essential particular insurances are in place for all business owners. Our electric cigarette insurance is suitable for shop owners, manufacturers and wholesalers and it incorporates products liability insurance too.
E-cigarette insurance will cover your business against the potential risks of future regulation as well as liability litigation action which could occur. As a new industry, the e-cigarette sector is not fully understood and many of the contaminant risks in e-cigarettes have not been fully evaluated. This leaves businesses in the area open to a high degree of risk. This makes it even more important you have the right vape insurance in place.
Manufacturers, marketers and retailers in the e-cigarette industry sell and stock a number of different items. As well as the e-cigarettes and related hardware, there are also e-liquids and juices to consider, as well as liquid nicotine cartridges. All of these elements are potentially at risk of future regulatory action.
E-cigarette shops are seen up and down the high street and there are an even wider range of shops online as well as wholesalers selling across a number of platforms. Every one of these businesses should assess their risk and consider their insurance requirements carefully.
Product liability for e-cigarette businesses is not always easily obtainable but it is available with Just Quote Me. There has been a degree of reticence in the insurance industry surrounding the potential regulation of e-cigarettes and related accessories and hardware, which made some companies make the decision not to provide specific e-cigarette product liability insurance.
Just Quote Me vape insurance and e-cig insurance is designed for businesses at every stage of the supply chain. Our product can cover every aspect from manufacturing to wholesaling to retailing and we are ready and willing to discuss the requirements of any business in this thriving and expanding sector.
Go to our online Quote System or call us on 0800 084 2325
