How to buy flood insurance online

Don’t get washed away by the process of buying flood insurance. Obtaining quotes for flood insurance can be a long and painful task, as many insurance companies are not even prepared to take on the risk if you live in a flood prone area. You could spend hours on the telephone to get the best quotes and even then you still might not get a good deal or the best type of cover available to you.

By referring to online specialist insurance providers you can save yourself a great deal of hassle and a considerable amount of money. Additionally, you get to select a time that is convenient for you and will not have to wait in call centre queues!

Why should I go through a specialist?

Through years of experience and relevant training, specialists can thoroughly assess your requirements and advise you on which insurance company will provide the best deal based on your specific circumstances. Without this kind of expertise, you may be leaving it to chance and the consequences could be financially and mentally draining.

Did you know? – Facts you need to know about floods

  • Only 55 per cent of people living in flood risk areas knew they were at risk, according to the 2009 Flooding in England Report.
  • Flooding does not just affect people living near the coastline or close to rivers – burst water pipes and surface water flooding from heavy rainfall are also very common.
  • Over 5.5 million (or 1 in 6) properties are at risk of flooding.

By making enquiries today you can set your mind at rest and plan for the unexpected.

If you are unfortunate enough to be affected by flooding, the inconvenience this may cause you is enormous. This is why it is so important to select the right type of insurance. Depending on the extent of the flooding, your house could be inhabitable for a long period of time and your belongings could be damaged beyond repair. Specialist flood insurance companies will work with high quality repairers and suppliers to ensure that should you need to make a flood claim, it will be as simple and painless as possible.

As well as getting the best assistance to help you in the aftermath of flooding, it is also really important that you are fully aware of the risks and take necessary precautions to avoid or lessen potential loss and damage.

People living in high risk flood areas are advised to have a flood plan and to take actions such as the following:

  • Store sandbags close to any entrances to your home and line them around your house
  • Regularly check for flood warnings
  • Move valuables to higher floors within the home

You can get further tips and guidance from the specialist insurers.

How do I find out more and get a great deal?

You simply need to complete an online form with your details and the experts will do the rest of the work to find you the policy that covers all your requirements at a reasonable price.


Read More

Information and tips about great Truck Insurance

Whatever type of truck or trucks you own you must have insurance for protection against accidents, theft or vandalism. Some insurance policies are quite expensive but if you take time out of your busy schedule and surf the net, you can find some amazing deals and offers from well-known insurance brokers. It’s best to decide on how much cover you need first of all to give you a better idea of what to ask for when applying for truck insurance cover online. Get a quote too to see how much you will have to pay each month, this way you can organise your finances and have peace of mind knowing your truck company is in safe hands.

Lower your premiums

You can pay less for insurance if you ensure your drivers operate safely on the road, install safety instruments in your trucks as well as front and side airbags, have anti-lock disc brakes, electronic stability controls, hill start assistance and trailer sway control.All of these will lower your premiums while not compromising on the quality of the actual truck insurance itself, check out more details online to find easy-to-follow information.

Tailor-made policies especially for you

Online brokers can tailor-make insurance policies especially for truck companies or individuals who own a truck, they pride themselves on providing cover for large or small vehicles with fully comprehensive cover, third party only or third party, fire and theft. Their flexible approach means you will receive the right level of protection and with no excesses. Goods in transit, Employer’s and Public Liability and personal accidents are covered so you know your investment is being protected at all times. There’s an excellent claims procedure too with professional insurance brokers dealing with them quickly and efficiently.

Key policy features you can expect

Some of the key policy features you receive when buying truck insurance from a reputable online broker are as follows:-

  • Cover for any driver who has the appropriate licence for the truck
  • Cover for attached or detached trailers
  • European Union cover if the truck is driven overseas
  • Goods in transit
  • Damage to the property of others
  • Legal expenses

An insurance broker can compare truck insurance prices for you by using their database of some of the UK’s best insurers to find an affordable insurance policy that will cover all eventualities for you, your drivers and your vehicles.

Read More

Learn more about Truck Insurance

It’s not important whether you’re a sole trader with one vehicle or a truck company with many vehicles, brokers can cater for your truck insurance requirements. They will leave no stone unturned to find you the best truck insurance policy and have viable relationships with many UK insurers which helps them to negotiate the best possible deals for their clients. Check out some of the key features for truck insurance:-

  • Goods in transit cover
  • Service vehicles cover
  • European use
  • Public and Employer’s Liability
  • Any vehicle covered between 3.5 and 44 tonnes

Ask the experts

Whatever type of business you operate and however long you’ve been in the truck industry, it’s vital to have the best insurance cover in place to suit your specific insurance requirements. Brokers have a team of experts available to ensure truck owners receive the best advice and cover for their business operations. For a competitive no-obligation quote and invaluable information speak to a member of staff today about truck insurance. Insurance brokers can offer numerous introductory discounts that are available for new ventures as well as suitable monthly payment options which are ideal for fleet owners or sole operators.

Fleet vehicle truck insurance

If you own a fleet of trucks then it’s definitely beneficial to purchase fleet truck insurance from professional online brokers. Why insure them individually when under one multi-vehicle policy trucks can be insured collectively which will be more cost-effective. Although under one policy brokers will make sure each vehicle retains its individual no-claims bonus, however all vehicles must be commercial. Fleet truck insurance is calculated in a more in-depth way before brokers can offer a competitive quote. As long as the vehicles are registered in the company name, brokers can provide fleet truck insurance.

Discounts on offer

Expect brokers to have various discounts on offer, they can provide:-

  • Discounts for new truck businesses
  • Discounts for truck owners who switch insurance
  • Discounts for no-claims bonuses
  • Discounts for low mileage

If you need to drive further afield, for instance to Europe, rest assured truck insurance covers this too which is ideal for breakdowns, roadside assistance and accommodation should your truck require repairs after an accident. Brokers provide a prompt and efficient service along with the opportunity for clients to download and read truck insurance policy documentation. What are you waiting for, speak to brokers today about your truck insurance needs.

Read More

Kent Builders Fight the Recession

Kent Builders at workWe are all to aware of the economic climate we are living in currently. Politicians are telling us we must all make sacrifices to fix the problems, so how reassure to hear that Kent Builders are fighting the trend along with their fellow tradesmen up and down the country.  It seems that despite the grim warnings that we are all struggling to make ends meet some vital trades are managing to stay afloat in this tricky financial time.

It does seem to be that whatever the rest of us are coping with – property developers and local councils are still finding the money to build new housing – so for Kent Builders this is great news.  Having a trade comes into its own at times like this as there is always something that has to be done around the house, or indeed around the business.  Some businesses will feel that they need to expand to stay alive and therefore may well seek the services of Kent builders to extend their premises for them.

Maintenance on domestic properties is something that has to happen, and studies prove that if money is tight holidays are the first thing people give up – in favour of affording some home improvements so at least they feel happy within their homes.  A popular home improvement is a conservatory, and with the introduction of build your own flat pack conservatories more and more homeowners are avoiding the giant double glazing companies and getting local builders in.  Kent builders are more than happy to come and dig foundations and lay brickwork for a conservatory frame, and many will be happy to finish the job helping the customer erect the glass walls and roof at the same time.

Getting contracted on to a new build estate is a great job for Kent builders as clearly the project will be extensive and guarantee them an income for a good period of time.  They are involved virtually all the way through from foundations to the internal finishing – many builders are happy to offer plastering services as part of their package.  They can also be involved in laying patios, building walls in the garden areas and much more. The contractor require communal areas for dustbins, a garage for each property – certainly enough work for several weeks.

There also seems to be good money to be made in property restoration and some Kent builders and indeed many other builders up and down the country, may choose to breakaway from the normal day to day grind and invest in a conversion property. The knowledge that they are able to provide all the works themselves rather than having to rely on others makes this an excellent investment.  Many are able to combine this with the 9-5 and give themselves an even better income.  Once the property is finished and sold they are able to reap the rewards as the sale price is almost guaranteed to be much higher than they originally paid.

Read More

Save on Motorhome Insurance today

If you are thinking about renewing or buying motorhome insurance get in touch with reputable online brokers who have been in business for many years and know exactly what clients need to protect their valuable vehicle. They offer many discounts too while not compromising on the quality of the insurance policy, so you can save money and drive your motorhome knowing you are covered for any eventuality. If you qualify why not purchase a policy that includes discounts if you have the following:-

  • No claims bonuses
  • Security measures that have been taken
  • Low mileage
  • Motorhome club membership
  • Secure storage facilities
  • Reversing camera or parking sensors

Policy features and benefits

There are some fantastic policy features and benefits when you buy motorhome insurance from brokers such as comprehensive policies that include windscreen cover, motorhome equipment cover for awnings, gas bottles, generators, TVs and cooking utensils to name a few. Keep your premium low by only paying for the things you need to protect and get value for money motorhome insurance. There’s also the added benefit that should your motorhome break down you are covered for roadside assistance and recovery of vehicle to a registered address. Public Liability cover is also available which will pay the costs should you be involved in a road accident.

Other things that can be included in your policy

If you lose keys or locks are damaged on your motorhome then the insurance policy will cover these as well as European cover and breakdown if you are travelling abroad, including repatriation. No claims discount is also available to keep your premiums low along with a claims helpline should you need to speak to an adviser if something does go wrong. There’s a lot of information you can download to read at your leisure regarding the many options to choose from along with specimen policies and policy summaries.

Why choose online brokers?

The reason why so many people choose online brokers to buy motorhome insurance from is that they are the best people around to get advice from. They take pride in supplying great insurance policies and offering good deals to their customers, so take some time out and read what they offer from prices of motorhome insurance packages, the many extras available to buy to their professional aftercare services. Be well protected when out in your motorhome by choosing the best insurance.



Read More

Truck Insurance Extras

Tipper LorrySetting up in business is inevitably loaded with obstacles, the only way around which is to whip out the wallet and pay up.  When it comes to insurances there is often a temptation to skimp and get away with the bare essentials – we have all done it.  Looking back over time you see hundreds of insurance policies that you never called into play so it was money wasted right?  Wrong.  We got lucky.  In reality the insurance policies we have are worth their weight in gold.  Think about how much worse it would be to be thousands of pounds in debt because you had no insurance versus a year’s worth of premiums that might go by the by unused.

Extra items that are offered along with a main truck insurance policy are the biggest source of false economy.  We will have a look at some of the main ones and explain why they are worth the money and something you should seriously consider.

  • Breakdown.

Straightforward and as it sounds. We have breakdown on our domestic vehicles so why would you not have it on your truck?  All too often a mate in the business will tell you not to worry, he knows a guy who is happy to come out – he swears he is loads cheaper than breakdown.  Brilliant no monthly premiums and cheap assistance.  However, it also means he doesn’t have to come out or he could be busy when you breakdown at the side of the motorway with an important deadline looming.  No premiums equals no contract.  Think again about relying on mates in the trade.

  • Accident and sickness cover.

We have all heard the stories of accident and sickness cover refusing to pay out – so it can’t be worth the money.  It is proven and guaranteed that these companies do pay out – they are regulated by financial bodies and fully accountable to the Ombudsman.  If you are a one man band and you are unable to work you need to have something in place to replace your earnings.  Be honest in the medical questions, find out exactly what you are paying for and it is pretty likely should you need to claim they will pay out.

  • Loss of use cover.

A serious mechanical fault hits at the same point as a cash flow crisis – the truck is out of action, it isn’t an insurance claim issue – but you are facing a few weeks grounded with nothing to drive. Customers are complaining – contracts are in danger.  Loss of use cover can help cover this.

  • Continental Medical Expenses Insurance.

If driving sees you taking in the sights of Europe or beyond then you definitely shouldn’t skimp on this one.  The NHS belongs in the UK.  You cannot access it if you aren’t here when taken ill.  Take note of holiday makers horror stories of being taken ill abroad – they are not lying.  The cost of getting medically transported from Europe to home should the need arise is between 10-15K for that alone.

All of the extras are worth considering.  As with any insurance there will be levels of cover so feel free to customise yourself a package but whatever you do, don’t leave yourself uncovered.

Richard Smith is an experienced insurance author and works with numerous insurance websites including Truck who specialise in online comparison of HGV insurance.

photo by: Sir Hectimere
Read More