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Personal belongings Insurance – are you fully covered?

Personal belongings Insurance – are you fully covered?

If you’re never without your mobile phone or you like catching up with shows on your tablet every morning during the long commute, you might want to consider adding personal belongings insurance to your current buildings or contents policy.

While your contents/home insurance protects these items in your house, the cover stops as soon as you take them outside the boundaries of your home.

We get claims for:

  • Phones left in taxis
  • Cameras lost on holiday
  • Rings and jewellery that slip off in the sea
  • Wallets and purses left in the supermarket by mistake
  • Leaving your iPod on the train
  • Having your watch stolen from a hotel room

To insure against these kind of things, you’d need to add Personal belongings cover. It’s there to help when you’re out and about.

There are multiple aspects that make up insurance policies. While you may not fully understand each section of the contracts, it’s important that you learn and understand what the contract specifies, including your limits. That way, if you need to file a claim, you will know what the insurance company will and will not cover.

 

Why is personal belongings insurance important?

Personal belongings insurance offers protection for your personal effects when they are removed from your home. If an item of yours is lost, stolen, or damaged while away from your home, it would allow you to replace that item.

Most of us don’t realise how much the items we carry around with us every day are worth. A tablet and mobile phone could be worth several hundred pounds by themselves, let alone any money we may have in our bags and pockets.

 

Is there anything Personal belongings cover won’t cover against?

Yes. It doesn’t cover:

  • Wear and tear
  • Things that are damaged through everyday use (e.g. sports equipment)
  • Things stolen from cars or vans, unless they’re out of sight and someone had to break in to find them. (So a handbag that’s locked in the boot and can’t be seen from the street would be covered. But a Tom-Tom that’s there on the dashboard wouldn’t).
  • Pets and other animals.

It doesn’t cover things that are used for business, either, which would include:

  • Business cash, credit or debit cards
  • Tools, even if they’re locked up and can’t be seen.

 

Just Quote Me Personal Belongings Insurance Quotes

You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.

Discount Food Hygiene Ratings Insurance for Top Businesses

Discount Food Hygiene Ratings Insurance for Top Businesses

The best-rated food businesses can benefit from a discount on food hygiene ratings insurance quotes at Just Quote Me. We’re offering all businesses with over three ratings for food hygiene a discount off their business insurance premium.

The food hygiene rating your business has is closely linked to its reputation. Picking up a single bad rating can damage your business’ chance of repeat custom. All businesses that sell food, from restaurants to pubs and cafes to hotels and even food shops, need a good reputation. Without this they cannot effectively trade and sell food.

The Food Hygiene Rating Scheme (FHRS) in England, Northern Ireland and Wales helps customers choose where to eat and where to shop for food with information about the hygiene standards they keep. Customers can make an informed decision on their next purchase or their next meal out. As a business in the food sector you want to be recognised for the right reasons and with good ratings you’ll attract a better standard of customer.

Get your Food Hygiene Ratings Insurance Discount Today

Food hygiene ratings in England, Northern Ireland and Wales go on a scale from zero to five. Five is the highest score you can get with zero the lowest. Food safety officers determine the food hygiene rating on three standards:

  1. Hygienic handling of food including preparation, cooking, reheating, cooling and storing
  2. Condition of the building: how clean is the building? They will check lay out, ventilation and lighting.
  3. Management and records: how the does the business manage and record food temperatures

Every food safety inspection will cover these areas. At the end, the food safety officer will give the owner or manager of the business a rating on the 0-5 scale. Finally, they will also make recommendations on how to improve and ensure a higher rating is possible next time.

All businesses awarded three ratings or higher can enjoy a 10% discount on their Food Hygiene Ratings Insurance with Just Quote Me. Simply mention JQM10 to the team member you speak to when getting your quote. Remember, we’ll need to see a copy of your ratings certificate to guarantee your discount.

Simple Business Insurance

Simple Business Insurance

Looking for Simple Business Insurance?

Simple Business Insurance from Just Quote Me is available to all UK Businesses via our new website – www.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 www.justquoteme.co.uk now and see how much you could save. Great prices, exceptional covers!

Tailored Insurance Quotes

Tailored Insurance Quotes

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.