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When Did You Last Change Your Car Insurance?

When Did You Last Change Your Car Insurance?

If you are busy, it can be easy to forget to do anything about your car insurance. You probably got the renewal notice, and unless you could do something about it then and there you forgot. Once you realise the date has passed and it’s too late to do anything about it. You’re stuck for another year, and you don’t even know if you could have gotten a better deal. If this sounds familiar, then don’t despair.  It’s not too late to make a change.

Benefits Of Changing Your Car Insurance

Even if you go past your renewal date, it is still possible to cancel your existing policy and get a refund. This allows you to arrange a new policy at a much cheaper rate. The best lead time to starting a new policy is 21 days. The amount of money you can save by doing this will often more than cover the small amount you may lose out on by cancelling your policy.

When you just let your renewal roll on the price will slowly creep up. Even if you haven’t had an accident or claim your insurance company will add a little to your costs every year you are with them. If you haven’t changed in a few years, you could be surprised by just how much you may save by changing.

Get A Free Quick Quote

The best way to find a good deal is to speak to an insurance broker. Speaking to an expert at Just Quote Me will give you the benefit of their experience. There is no reason to pay more for your car insurance than you need to. It’s time you started looking for a quote to find the best deal out there. Stop giving your insurance company more money than they deserve.

Electric Car Insurance For Business

Electric Car Insurance For Business

How we can help with your Electric Car Insurance

With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses. For these new ways to power a vehicle you need the right insurance and this is where we can help with your electric car insurance.

How Can Electric Car Insurance Save You Money?

Having an electric car or van can help make significant savings with your insurance.  Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van insurance.

Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.

Research into Electric Vehicles

Studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.

Do you have questions about Electric Car And Van Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Investing in Classic Car Insurance

Investing in Classic Car Insurance

As a classic car owner, it’s likely you have a real passion for vehicles and you should want to keep them safe. As the owner and driver of a classic car (or several) you want to treat your luxury vehicle with the respect it deserves. Classic cars need specialist insurance to protect them against damage in accidents or similar. Classic car insurance is not a one size fits all option, but it can be tailored to your car’s requirements.

Defining Classic Cars

Classic car insurance is specific to a certain type of car. Typically, premiums are lower than standard car insurance but only on cars which are defined as classic. Insurers define classic in different ways. Usually a classic car will need to be at least 15 to 20 years old and must retain some monetary value.

Some insurers define classics cars as those who have an owners’ club dedicated to them, but this isn’t always the place.

Comparing Classic Car Insurance

Accurate comparisons of classic car insurance are difficult to find. At Just Quote Me we will work with you to find the best quotes suitable for your vehicle. Classic car insurance policies are typically tailormade to suit the owner and the vehicle, but you should expect the following types of cover:

  • Authentic replacement parts: your cover should allow for the purchase of authentic replacements during repairs
  • Value alteration: classic cars change in value over time so the policy should reflect this and allow you to update it as required
  • Laid-up cover: some classic car insurance policies will incorporate an easy option to switch to “laid-up mode”. This allows you to easily keep your car insured if it in storage or off the road long term.

Classic Car Insurance with Just Quote Me

Just Quote Me work with car owners from all walks of life. We appreciate the love and care that goes into owning and running a classic car and will work with you to find classic car insurance to suit your usage and your vehicle. Contact us today to discuss your options.

Compare Cheap Car Insurance Quotes Online

Compare Cheap Car Insurance Quotes Online

See How We Can Help Compare Cheap Car Insurance Quotes Online

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.

Just Quote Me Car Insurance Experts

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.

Car Insurance with Just Quote Me

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.

To get a FREE no obligation Car Insurance quote:

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

What is Small Fleet Insurance?

What is Small Fleet Insurance?

Investing in insurance for your vehicles is an essential cost for any business but when your vehicle count numbers more than two, it can be more cost effective to opt for small fleet insurance. Even two cars or two vans used for business insurance count as a fleet and specialist small fleet insurance can be the best value and most effective way of insuring your vehicles.

What does a Small Fleet Insurance Policy cover?

The cover provided by your small fleet insurance policy will depend on the type of business you run. It will also depend on the vehicles in your fleet. Fleets made up of just cars require different insurance to those which include vans, HGVs, trucks and haulage vehicles. At Just Quote Me our experienced insurance advisors can help find a policy and quotes which are tailored to your business’ needs.

Small Fleet Insurance Policy Clauses

You may want to consider the following clauses for your small fleet insurance:

“Any Vehicle”

Most business owners should opt for their small fleet insurance policy to cover “any vehicle” as this offers maximum protection. It protects you should you forget to update your policy schedule and add in any changes of vehicle.

“Any Driver”

An “any driver” small fleet policy allows each of your vehicles to be driven by any of your drivers. This is especially important if you have a number of employees. It allows you to be more flexible in the use of your small fleet. Also, many fleet insurance providers will only insure drivers over the age of 25 and with clean driving licenses, but there are exceptions to the rule.

Just Quote Me works with businesses and fleet owners in many sectors and of all sizes. Investing in small fleet insurance almost always ensures a saving for the business.

UK Car Insurance increases in last 12 Months

UK Car Insurance increases in last 12 Months

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.