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Office Insurance

Office Insurance

by | Sep 12, 2016

Office Insurance

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Office Insurance

Overview of Buying the Correct Office Insurance Policy

Insurance is probably one of the most important purchases a business will incur and will also cause some headaches along the way to find the best one to suit a business. As each business is different, insurance needs will vary greatly. It is very important to gather the appropriate knowledge to make sure that the correct insurance policy is bought for the office.

Why Choose Office Insurance

It is essential to have office insurance as unfortunately whether we like it or not accidents happen. While running an office may not seem a risk, there is still the chance of slips and falls or a weather-related catastrophe in some regions and of course there is always the risk of burglary. Employees and contents need to be protected at all times.

Office Property Insurance

There are quite a few different areas which need to be insured when running a business. Property insurance needs to be in place whether the business is big or small, owned or leased. This type of insurance will cover all equipment, furniture, inventory, etc. in the event of flooding, fire, theft, storm and so on. When the office is in an area afflicted by severe conditions such as earthquakes, hurricanes and the like, then extra insurance should be sought as the standard policy will not cover these instances.

Workers’ Compensation Insurance

Workers’ compensation insurance should be in place once the first employee has been hired. This insurance will need to cover all medical needs, death benefits in the event of a death in the office and disability in the case of an accident whilst in the workplace. Even in the safest of office environments there is always the risk of slips and fall related injuries and indeed other medical conditions which will need attention. Otherwise these could easily turn into a pricey claim.

Contact Just Quote Me today to get your FREE no obligation Office Insurance quote on 0800 084 2325 or fill out our Quick Quote Form.

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Commercial Combined Insurance

Commercial Combined Insurance

by | Sep 12, 2016

Commercial Combined Insurance UK

Protect every part of your business under one policy with Commercial Combined Insurance from Just Quote Me Ltd.

Running a business comes with many risks. From property damage to employee injuries and legal liabilities, unexpected events can disrupt your operations and impact your profits.

Commercial Combined Insurance gives you peace of mind by bringing together multiple essential covers in a single flexible policy. At Just Quote Me Ltd, we arrange tailored commercial combined insurance for UK businesses of all sizes and industries.

What is Commercial Combined Insurance?

Commercial Combined Insurance is a single policy designed to protect your business from a wide range of risks.

Instead of managing multiple separate insurance policies (property, liability, business interruption, etc.), this type of policy combines all core protections into one cost-effective package.

Typical covers that can be included:

  • Property and buildings insurance

  • Contents, stock and equipment cover

  • Public liability insurance

  • Employers’ liability insurance

  • Product liability insurance

  • Business interruption cover

  • Goods in transit

  • Money and assault cover

  • Legal expenses insurance

Because every business is different, we tailor each policy to your exact needs.

Who Needs Commercial Combined Insurance?

This cover is ideal for small to medium-sized businesses in the UK that face a mix of property, stock, staff, and public-facing risks.

Businesses that commonly take out commercial combined policies include:

  • Wholesalers and distributors

  • Manufacturers

  • Warehousing and logistics companies

  • Engineering and fabrication firms

  • Workshops and production facilities

  • Retailers with storage premises

  • Food and drink producers

  • Importers and exporters

If you have premises, stock, machinery, staff and customers, a combined commercial policy simplifies your cover and reduces the risk of gaps or overlaps.

What Risks Does Commercial Combined Insurance Cover?

With a tailored policy from Just Quote Me Ltd, you can protect your business against:

  • Fire, flood, storm or accidental damage to your buildings and contents

  • Theft of stock, tools, or equipment

  • Injury or property damage claims from members of the public

  • Injury or illness suffered by employees (legally required)

  • Machinery breakdown or equipment failure

  • Interruption to your business after an insured event

  • Loss or damage to goods while being transported

  • Legal defence costs and compensation awards

We work closely with leading UK insurers to build cover around your actual business operations, not a one-size-fits-all solution.

Common Exclusions to Know About

Every policy has limitations. Understanding what is not included is essential. Typical exclusions from commercial combined policies may include:

  • Gradual wear and tear or poor maintenance

  • Pre-existing damage

  • Losses caused by deliberate acts or fraud

  • Certain cyber risks unless added

  • Unsecured premises or stock left outside

  • Fines and penalties

  • Pollution and asbestos risks unless specifically included

At Just Quote Me Ltd, our expert brokers will clearly explain your cover and exclusions so you know exactly what you’re protected against.

Pricing Factors — How Much Does Commercial Combined Insurance Cost?

The cost of commercial combined insurance depends on many factors, such as:

  • Size and type of your business

  • Value of buildings, stock and contents

  • Number of employees

  • Your claims history

  • Location and security measures

  • Types of cover and limits chosen

  • Turnover and business activities

Because every company is unique, we compare the market to find you the most competitive premiums for the cover you actually need — often saving time and money.

Case Study: Real-World Example

A Midlands-based engineering firm held a commercial combined insurance policy through Just Quote Me Ltd. A major fire broke out in their workshop, damaging machinery, stock, and the building itself.

  • Repairing the premises cost £150,000

  • Replacing damaged machinery cost £60,000

  • The business lost £80,000 in turnover during downtime

Their Commercial Combined Insurance covered property damage, machinery replacement, and business interruption costs, allowing them to reopen within weeks and keep staff employed.

Frequently Asked Questions

Is Commercial Combined Insurance legally required?

Not directly. However, Employers’ Liability is a legal requirement if you employ staff, and can be included in your combined policy.

Can I choose which covers are included?

Yes. We design each policy around your business, so you only pay for the cover you need.

Is it cheaper than separate policies?

Usually, yes. Combining multiple covers into one policy often saves money and simplifies administration.

Can it cover multiple sites?

Yes. We can arrange cover for multiple premises and locations under one combined policy.

 Does it include business interruption insurance?

Yes — and it’s highly recommended to protect your income after a major loss event.

Why Choose Just Quote Me Ltd?

  • Access to leading UK commercial insurers

  • Tailored combined cover for your exact risks

  • Fast, competitive quotes

  • Expert support from experienced brokers

  • Dedicated UK-based service from quote to claim

We simplify insurance for busy businesses — giving you more time to focus on what matters.

Get a Commercial Combined Insurance Quote Today

Protect your business with complete peace of mind.

📞 Call us today on 0800 084 2325
📩 Request a free quote online at justquoteme.co.uk

Commercial Combined Insurance from Just Quote Me Ltd — all your essential cover in one simple policy.

Motor Trade Insurance

Motor Trade Insurance

by | Sep 12, 2016

Motor Trade Insurance

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Motor Trade Insurance UK

Specialist Cover for Car Dealers, Garages, Mechanics & Mobile Traders

If you’re involved in the UK motor trade, having the right insurance isn’t just a legal requirement—it’s critical protection for your business. At Just Quote Me, we provide tailored Motor Trade Insurance UK policies for businesses of all sizes, from part-time vehicle traders to fully operational garages.

What is Motor Trade Insurance?

Motor Trade Insurance is a specialist policy designed to cover those who buy, sell, repair, valet, service, or move vehicles for profit. It includes key covers such as road risks, liability insurance, tool protection, and more.

Whether you work from home, operate a mobile business, or run a forecourt, we ensure you’re covered where it matters most.

Who Needs Motor Trade Insurance?

You need motor trade cover if you:

  • Buy or sell vehicles commercially
  • Offer car servicing or repairs
  • Operate a recovery or breakdown service
  • Provide professional vehicle valeting
  • Work part-time or full-time in the motor industry

Even mobile mechanics and home-based dealers need insurance to stay legal and protected.

What Does Motor Trade Insurance Include?

Your policy can be tailored to your business needs. Common features include:

✅ Road Risk Insurance
Drive customer and stock vehicles legally on public roads.

✅ Combined Motor Trade Insurance
Includes cover for premises, tools, equipment, and vehicles.

✅ Public Liability Insurance
Protects your business if a customer or third party suffers injury or damage.

✅ Employer’s Liability Insurance
A legal requirement if you employ any staff.

✅ Vehicle Stock Cover
Covers cars, vans, and other vehicles held for sale.

✅ Tool & Equipment Cover
Protection against loss, damage, or theft of essential trade tools.

Why Choose Just Quote Me?

At Just Quote Me, we work with top UK insurers to get you the best deal. Our insurance experts take the time to understand your business and find the most suitable policy—quickly and affordably.

Benefits of choosing us:

  • UK-wide cover
  • Instant online or phone quotes
  • Part-time and full-time options
  • Experienced advisors in the motor trade sector
  • Competitive premiums from trusted insurers

Get a Free Motor Trade Insurance Quote Today

Ready to protect your motor trade business? Get a fast, no-obligation quote from Just Quote Me. Whether you’re a sole trader or run a larger operation, we’ll help you stay protected, compliant, and confident.

📞 Call us today or click below to get started with your free quote.

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Van Insurance

Van Insurance

by | Sep 12, 2016

Van Insurance

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Van Insurance

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.

Types of Van Insurance

Third-Party Only (TPO)

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 (TPFT)

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

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.

Factors Influencing Van Insurance Premiums

Vehicle Type and Usage

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.

Driver’s Age and Experience

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.

Claims History

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.

Security Measures

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.

Mileage

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.

Tips for Getting the Best Van Insurance

Shop Around

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.

Increase Voluntary Excess

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.

Bundle Policies

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.

Maintain a Clean Driving Record

Keeping a clean driving record free of accidents and claims can significantly lower your premiums over time. Insurers reward safe drivers with lower rates.

Install Security Features

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.

 

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Farm Insurance

Farm Insurance

by | Sep 10, 2016

Farm Insurance

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Farm Insurance

Are you looking for Insurance for your Farm and livestock?

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.

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Van Insurance

Small Fleet Insurance

by | Mar 17, 2016

Small Fleet Insurance

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Small Fleet Insurance

Small Fleet Insurance

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:

  • Cars
  • Vans
  • Tippers
  • Skip Transportation Vehicles
  • HGVs
  • Trucks
  • Dumpers

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.

Single Policy, Multiple Vehicles

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.

 

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0800 084 2325

Vape Shop Insurance

Vape Shop Insurance

by | Jan 26, 2015

Vape Shop Insurance

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Vape Shop Insurance

E-Cigarette Insurance

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.

Vape Insurance for your Shop, Factory or Lab

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.

E-Cigarette Product Liability

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.

To get a FREE no obligation Electric Cigarette Insurance quote:

Go to our online Quote System or call us on 0800 084 2325

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0800 084 2325