Out and about in your mobile motorhome

Posted by Trevor Timms on May 8, 2013

There’s nothing quite like getting out and about in your motorhome exploring different places and having the freedom of the road.  Whether travelling around the UK or abroad there is so much to see and do, maybe for a long weekend or extended holiday, once you’ve parked overnight and had your breakfast it’s off again to your next destination.  There are different types of motorhomes many of which have been converted from ordinary vans, however all require motorhome insurance, some motorhome owners make the mistake of thinking their car insurance will provide the necessary cover however this is not the case, it could prove to be a costly mistake.

Click for a quote

Whatever you use your motorhome for, whether it’s business, social, domestic or pleasure you need motorhome insurance which can be purchased online from reputable brokers.  Click for a quote today by completing an online application form (check out http://www.campervaninsurance.org/motorhome-insurance/ where they do it all for you) , in a matter of minutes insurance specialists will compare prices by contacting their UK insurance partners and then offer motorhome cover within your budget.  A tailor-made motorhome insurance policy can be arranged to suit any particular make and model whatever its age, for more in-depth information speak to an insurance adviser online or request a free call back.

Key policy features

If you have your current motorhome insurance with another insurer or you are a new motorhome owner, reputable online brokers are the people to contact regarding insurance.  Check out some of their motorhome insurance key policy features:-

  • cover for awnings and gas bottles
  • cover for fire and explosion of gas bottles in your motorhome
  • replacement glass and repair of glass
  • third party property damage liability cover
  • alternative accommodation cover if your mobile home is damaged beyond repair due to an accident or requires extensive repairs

Additional cover

For complete peace of mind why not buy additional motorhome insurance cover, for instance personal effects and motorhome accessories inside your vehicle, for a small sum of money per month it really is worth buying these little extras to provide complete protection for your motorhome whether travelling in the UK or abroad.  Brokers also offer their clients the opportunity of spreading the cost of insurance with monthly direct debit plans or if you wish you can make a payment in full by debit or credit card.  Speak to a team member about this and fully comprehensive motorhome insurance packages.

Categories: Motorhome insurance.

Insuring Your Minibus – What You Need to Know

Posted by Chris Foster on January 15, 2013

Minibuses are incredibly versatile vehicles. They’re perfect for use by businesses and private owners alike. Whatever reason a minibus is used for it must be covered with an insurance policy. This is required by law in the UK. Of course minibus insurance isn’t just so you can legally drive but also to provide protection for yourself and other road users. The level of coverage that you get will depend largely on what your minibus is being used for. For example a taxi firm that makes use of minibuses is going to need a much more comprehensive policy that someone who only has their minibus for private use.

Many charities now use minibuses as it’s an excellent, inexpensive way of transporting a large group of people. Also when a minibus is used for non-profit purposes you’re able to get a special kind of insurance at a reduced cost. To be eligible for this type of insurance you must provide the correct documentation that proves that this is indeed a non-profit minibus.

 

Saving Money

 

There are a few ways that you can save money on your minibus insurance. When you’re trying to save money you must bear in mind that insurance providers are going to estimate how much chance there is of you making a claim when they calculate a price so you should do everything you can to make your minibus as secure as possible. This means having it fitted with an alarm and immobilizer at the least. Having it securely parked will also make a big difference to the cost of your policy. Ideally you will have it parked in a locked garage although this won’t always be possible.

Another way to save money is to use the services of an insurance broker. Insurance brokers are usually able to find you a better deal than you’d be able to get yourself. This is because they will not only contact several insurance providers on your behalf but they’ll also haggle to ensure that you get the best deal possible.

The final and perhaps most obvious way to save money on your minibus insurance is to shop around. You shouldn’t simply go with the first insurance provider you contact as often you’ll be able to find a better deal elsewhere.

Finding Quotes

Knowing that getting multiple quotes is the best way to save money means that you’ll want to get as many as possible. Luckily thanks to the internet this is easier than ever. You can get quotes online by simply searching for minibus insurance. You should have no problem locating providers of minibus insurance who you can obtain quotes from. You should look at all the quotes you get side by side so that you can compare them for features and cost. This is the best way to ensure you get the best deal possible – have a look at www.minibus-insurance.net where you can compare minibus insurance online.

Categories: Minibus Insurance.

Recent armed raid highlights need for the right restaurant insurance

Posted by Lucy Craddock on December 4, 2012

Having your takings stolen is one of the biggest risks you face as a restaurant, sandwich bar or cafe owner.  You face the potential trauma of masked intruders demanding cash from you.  And, losing your takings could leave your business in dire financial trouble.  So, what can you do to protect yourself against this risk?

Good quality restaurant insurance can help you ensure you’re fully protected against theft.  And, it’s important that you don’t think ‘well, it won’t happen to me.  That’s because cafes, wine bars and restaurants are often targeted by thieves because of the large amounts of cash on the premises.

A recent theft from a restaurant in Southampton showed just how traumatic such a robbery is for staff and the owners.  So, keep reading to learn more about how serious a theft from your premises can be, and what you can do to protect yourself.

Masked raiders steal £20,000 from Hampshire restaurant

The BBC recently reported that a restaurant worker was threatened with a knife during a raid in which masked intruders stole £20,000 in cash.  A 28 year old assistant managed was assaulted by the gang at the Banana Wharf restaurant in Ocean Village, Southampton.

After being threatened with a knife, he opened the safe and four masked raiders escaped with £20,000 in cash in four mesh wallets. He was left shocked and with minor injuries.

Hampshire Police are now investigating the theft and are looking for the intruders.

What would you do in this situation?  Are you protected against theft?  Could your business survive if that amount of money was stolen from you?  And do you have insurance to ensure you’re protected against this sort of incident?

Restaurant insurance can cover you against theft of cash

Whether you own a coffee shop, cocktail bar or restaurant, the chances are that you have thousands of pounds of cash and takings on your premises at any one time.  So, it’s vitally important that you protect yourself against theft of cash through good security and the right insurance.

Good quality restaurant insurance is designed to protect you against theft of valuable items from your premises as well as theft of money relating to the business.  Without it, you could find yourself out of pocket in the event of a robbery.  Get a great value restaurant insurance quote today and make sure you’re properly covered.

The article author, Robert Yates works in the restaurant industry and has many interesting articles for many sites, including restaurantinsurances.co.uk.

Categories: Restaurant Insurance Cover.

Buy empty property insurance if you have a home that is left vacant for 30 days or more

Posted by Lucy Craddock on November 20, 2012

If you own a property that is often left unoccupied for 30 days or more, you should think about buying an empty property insurance policy to safeguard your home and its belongings. We leave our properties vacant for a number of reasons, which can sometimes be out of our control. A property may be awaiting probate; we may have to make a prolonged visit to hospital or an extended visit to see a family member. If this is the case, you can have the peace of mind that your property will be covered if any unexpected accident occurred, for example, flood damage, fire damage or vandalism.

We may also have an unoccupied property if it is an investment that is vacant because it is being refurbished or redecorated, or you may own a holiday home, which is used only infrequently or at certain times of the year

How can empty property insurance be found?

This type of cover is easy to arrange and you can get many quotes online:

  • Click for quotes
  • Fill in your details
  • Receive many quotes from specialist insurers quickly
  • Compare the quotes
  • Choose the one that suits you best
  • Save time, money and get insured in no time

For example, you may want to choose a policy that also covers the contents of the property if it is an empty holiday home with furniture and belongings or a house that is waiting to go to probate. This is something you can check when comparing the quotes and also ensure that the policy covers for vandalism, water damage, fire damage and subsidence problems.

The main benefits of empty property insurance should not be ignored

Empty property insurance policies are usually available for between 3 and 12 months, which ensures’ you have sufficient protection for a period of time you are happy with, which means your property will be covered and you will not be paying for additional cover that you do not need.

The majority of usual home insurance policies might not provide cover on a property if it is left vacant for 30 days or more, so it is important that you protect yourself with specialist empty property insurance. There are many reasons why a property can or has to be left unoccupied, so if you know that this is likely to happen, make sure you are safeguarding your properties in case of an unexpected accident or event.

Whatever the reason for your property to be left empty is, taking out specialist empty property insurance is something that needs to be considered seriously.

Categories: Empty Property Insurance.

Caravan Insurance to suit everyone

Posted by Trevor Timms on October 31, 2012

Owning a caravan means you can travel and stay anywhere you like taking all your home comforts with you. You may wish to travel around the UK or have a long trip to Europe, sleeping in the caravan overnight wherever you decide to park it. Having a caravan is a luxury that you should protect with static caravan insurance which can be purchased from reputable brokers. A touring caravan insurance provides cover for those people who own a caravan and enjoy being out on the open road. It will give peace of mind that your caravan will be looked after financially if it breaks down on the motorway or ends up in some type of road accident.

Why you need Caravan Insurance

Some people wrongly think that their car insurance is adequate enough to cover their caravan which in fact is not the case. Without caravan insurance if there was a storm or flash flood which caused irreparable damage your vehicle would be written off including the contents inside. In addition to this, caravans make ideal targets for thieves who have no problem breaking in as caravans are usually less secure than homes.  They won’t think twice about stealing your personal possessions, for instance jewellery, mobiles or laptops, all of which should be insured with the help of reliable brokers.

Insure your touring or static caravan

Caravan Insurance is the perfect protection for touring caravans too, it’s worth pointing out that if you do decide to travel abroad in your touring caravan your car insurance policy still won’t provide the necessary cover in Europe. Speak to a broker today about an insurance package to cover all eventualities and benefit from:-

  • No age limits on owner of caravan
  • Low policy excess
  • Free continental cover up to a limited amount of days
  • Discounts for security devices fitted such as alarms, immobilisers and wheel locks

Static caravan insurance works in a similar way to your home insurance, it covers the actual structure of the vehicle including the contents inside.

Get in touch with brokers online

Caravans are worth a lot of money, however they can be damaged by fire, water and vandalism so to protect them contact online brokers today to request a quotation including the opportunity to buy instant cover. Insurance brokers can usually offer discounts to members of caravan clubs too, as well as other generous discounts.

Categories: Static Caravan Insurance.

Suitable insurance for your restaurant is essential

Posted by Lucy Craddock on October 28, 2012

Choosing the right type of cover for your restaurant is very important, the same as choosing suppliers, staff, equipment and a good restaurant location.  Many restaurant owners have invested heavily in their businesses and quickly come to realise that kitchen fixtures and fittings, food and the restaurant furniture doesn’t come cheap, all the more reason to contact reputable online insurance brokers who can find you the best possible price and cover level.  Taking out adequate restaurant insurance can protect you and your restaurant as well as staff in the event of a fire or an outbreak of food contamination, if something like this was happen it would have a detrimental effect on your business financially.

Key benefits

If you’re not quite sure which type of restaurant insurance to buy call brokers now for free advice about their policies, services, comparisons, options and easy online payment methods.  The great thing about buying restaurant insurance from renowned specialists is that their comprehensive policies contain many key features for instance:-

  • restaurant and contents cover
  • goods in transit cover
  • employer’s liability
  • public and product liability
  • loss of money on premises
  • business interruption cover

Why not enquire about optional extras for additional protection for your restaurant such as legal expenses, cover for catering away from the premises as well as accidental damage to buildings and contents.

Reduce the risk

Owning a restaurant can be very hectic, there are so many things going on at once, preparing and serving meals, providing drinks, taking food orders from customers, staff supervising children in play areas, arranging dining furniture and replying to bookings over the Internet or by telephone.  In this type of busy environment almost anything can happen, customers may slip on food dropped on the floor, trip over carpets or loose fixtures and fittings, be scalded by food or staff may injure themselves in the kitchen area.  The above are just a few examples of why having the correct restaurant insurance should be an essential part of your business.

Cost of insurance

Unfortunately the growing number of false claims for compensation has helped increase the cost of almost every type of insurance cover by nearly a fifth in the past year according to recent UK Government statistics, brokers are aware of this problem and do all they can to keep costs low for their clients.

Categories: Insurance.

Protect your property with adequate insurance

Posted by Lucy Craddock on October 19, 2012

It makes perfect sense if you’ve bought property to rent out to protect it with adequate insurance that can be easily bought from online brokers who offer good advice and guidance on all aspects regarding landlord buildings insurance. Expert brokers understand each and every detail of landlord insurance so are more than willing to pass on their knowledge and expertise to clients when they are looking for the best insurance cover.

Be well prepared by purchasing adequate landlord insurance should your property be damaged in any way, contents stolen or vandalised. Making a claim is fairly straightforward however if you do get stuck or need questions answering just get in touch with insurance specialists and they will point you in the right direction.

What brokers suggest

Online brokers offer hints and tips to landlords contemplating buying landlord buildings insurance for example they think it’s a good idea to have an inventory of all the items in the property when you first let it out so you can see if any are missing or damaged when the tenancy expires. Advisers also suggest having building and contents insurance cover to protect your investment even further, it may be useful to point out to your tenant that landlord insurance does not cover their personal items so it’s worthwhile for them to buy their own insurance policy.

If your property is furnished with sofas, chairs, tables, beds, TVs or any other valuable items remember to find out about contents insurance in case any of these are damaged, you will then be compensated fairly in order to replace them.

Find out what’s covered before buying

Buying landlord buildings insurance is designed to protect investors against unforeseen circumstances that can happen when least expected, it’s therefore very important to find out what you will be covered for before settling on a policy, check out if you’re protected for:-

  1. Loss of contents
  2. Damage to furnishings
  3. Loss of rent
  4. Accidental damage to the building
  5. Use of alternative accommodation for the tenant if your property becomes uninhabitable

Prices of landlord buildings insurance varies enormously as brokers take into account individual circumstances, ask for a quotation and if it is acceptable you can obtain the protection you need in a matter of minutes. Many insurers offer flexible payment options so you have a good choice of how to pay for this very necessary piece of documentation.

Categories: Buy to Let Insurance.

Don’t be without insurance

Posted by Trevor Timms on October 12, 2012

It’s reassuring to know that there are experienced online brokers who can provide HGV insurance when needed. Having a broad panel of insurers and products to choose from enables independent brokers to secure low cost insurance for existing and new clients to suit all budgets as well as arranging premiums to be spread across a monthly direct debit plan if required. HGV insurance can cover businesses whatever their size because brokers understand that no two businesses are the same so provide cover that includes the following:-

  • cover for owner operators and fleets
  • goods in transit cover
  • public liability and employers liability
  • great rates for UK and international haulage companies
  • new client and renewal discounts

Learn more about HGV insurance

Brokers will arrange insurance for all types of heavy goods vehicles and the use of the vehicle which can vary from a builder carrying his own goods around the UK to an international haulier transporting goods across the continent. While most policies usually include liability cover for damage to a person’s property as well as any injury to a third party most HGV owners will also require to extend their level of cover to include damage to the vehicle when involved in an accident, fire or theft. Policies are available for fleets including single vehicles so why not request a quotation today to see how much money you can save on your HGV insurance policy. Experienced and knowledgeable staff can answer any questions or queries you may have about HGV insurance as well as other types of insurances too such as car, home, travel and breakdown cover.

Generous discounts

Check out some of the generous online discounts renowned brokers offer their clients when buying insurance:-

  1. great introductory offers
  2. low mileage discounts
  3. fleet policy discounts
  4. discounts for no claims bonuses
  5. renewal discounts

There are a wide variety of discounts you can benefit from along with handy hints, tips and advice regarding other issues that are connected to heavy goods vehicles for instance fuel costs, haulage charges, fuel tax and toll road payments. Competitive quotes will be provided for you after you’ve completed an online application form with as much information as possible about driving details and vehicle details, when making an application don’t falsify any points because if you are in a position of having to make a claim in the future it may be invalid.

Categories: HGV insurance.

Get yourself fit

Posted by Trevor Timms on October 10, 2012

Many people are using personal training to get themselves fit and active as well as losing weight to improve their overall well-being. Why not sit back and picture how you want to look then give a personal trainer in Tunbridge Wells Kent a call to help you achieve your dreams by providing a wide range of services such as:-

  • personal training
  • group training
  • online coaching

A fully qualified professional trainer with experience in cross fit, Olympic weight lifting and kettlebells can offer a personal training programme designed specifically for you, if you live in or near to Tunbridge Wells, why not pop in for a friendly chat and meet the trainer in person?

Rise to the challenge

Nobody said that getting yourself fit is easy, however with the expertise of a personal trainer results can be achieved by rising to the challenge with hard work, dedication, motivation and receiving plenty of encouragement. There’s definitely a distinctive advantage when using a personal trainer in Tunbridge Wells Kent, check out some of the online testimonials which are very positive indeed about personal training plans, healthy eating, keeping yourself in shape, achieving fitness goals, monitoring progress and great facilities such as kettlebells, a sprinting track and a tred sled. If you’re not keen in attending a fitness centre personal trainers can make arrangements to visit your home to conduct training programmes in private which can be arranged around your work commitments.

Check out the prices

Take a look online to see how much the services will cost you for a personal trainer in Tunbridge Wells Kent, arrangements can be made for single sessions or multiple sessions which is a great way to reduce the price as are group training sessions, perfect for family and friends. In addition to this there is the option of choosing personal training online coaching which is gaining in popularity and is certainly cost-effective, also by completing an online enquiry form everyone receives a free seven day fitness plan guide that contains just what personal trainers can offer you. If you do prefer online personal training coaching you will receive an e-mail questionnaire about your lifestyle to provide the necessary information so that a trainer can send you a suitable monthly training plan and be able to manage your progress online. Of course many people enjoy group training which is ideal for small groups of friends to train together and have some fun.

Categories: Personal training.

Where can I find comprehensive cover for my semi-permanently sited caravan?

Posted by Lucy Craddock on September 29, 2012

Getting the right insurance policy for your caravan is of vital importance. To many people their caravan is one of their most valued possessions yet it’s easy to put off getting the right insurance policy. Often people will rely on their car insurance to cover their caravan and whilst many car insurance policies will provide cover, it is often not adequate and leaves big risks to you and your valued asset. There are two main types of insurance specifically tailored for caravans – static insurance and touring insurance. In this article I’ll focus on static caravan insurance, who it’s suited to and how to get the best policy possible.

What Does Static Insurance Cover?

Static caravan insurance usually provides cover against structural damage and theft to your caravan whilst it is static. That is to say your caravan will not be covered whilst the caravan is being towed or is attached to another vehicle. Because of this, static insurance is only adequate when your caravan is being kept in one place most of the time. If you travel with your caravan a lot then you will require touring caravan insurance (you can find out more at http://www.caravaninsurance.info/static-caravan-insurance).

If you caravan is kept in one place then static caravan insurance is ideal. The two biggest threats to any static home are from structural damage and theft. Caravans are at particular risk to both of these threats due to their less-than-robust construction so it’s vital that they are protected. Thefts from caravans are very common, with many families now taking expensive electronic gadgets on holiday with them which is a big temptation to thieves. Contents cover will usually protect most kinds of items barring jewellery.

The other big threat to caravans – structural damage – is also covered by static insurance. Caravans are typically quite weak structurally so it doesn’t take much to cause some serious damage. This can come from a water burst, high winds or fire. Whatever the event you will have repair or replacement costs covered by your static caravan policy.

Where to Get Quotes

When it comes to getting quotes you have a few different options which I’ll look at in detail below.

  • Online – Getting quotes online is the easiest and quickest way to obtain quotes. The advantage is in convenience and speed though you don’t have the opportunity to have your questions answered before getting the quote.
  • By Phone – Many people prefer the more personal approach of contacting companies by phone. Whilst there may be some pressure to go ahead with a policy, if you can deal with that you can obtain a lot of information as well as using other quotes you’ve obtained as bargaining power.
  • Through a Broker – Another option is to go through a broker. This can be a great way to save money on your policy. A broker will contact several insurance companies on your behalf and work to get you the best deal they can.
Categories: Static Caravan Insurance.
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