Category Archives: Insurance

Stress-Free Travel with Proper Home Preparation

Storm damageTraveling for an extended trip comes with a lot of stress, but do not allow your home to be a part of it. There are many ways to prepare your home to allow you to put your mind at ease while you are away, and here are a few of them.

Burglars take the opportunity to target your house while you are away, so it’s important to make it appear to be lived in while you are gone. Set lights to be on timers throughout your home so they turn on and off at different times of day. Be sure that the timers themselves are not in view from a window, because a savvy person will see these and know what you were trying to do.

Find a trustworthy friend or family member that is available to swing by sporadically to check on things. If it’s convenient for them, you can even ask them to spend the night while you are gone. The presence of people in your home can deter burglars from attempting something. If they are really nice, they can put your trash by the curb every week and pick up your mail daily. If you have pets, your friend can also take them for walks, feed them, etc. Be sure to stock your fridge so your friend has something to eat while there!

4 Ways To Reduce You Quad Bike Insurance Premium

In the current economic climate everybody is looking to save money where possible, and quad bike insurance is no exception. There are things that you as a quad owner can do to reduce the cost of quad insurance significantly.

Firstly, improving the security of your quad will reduce the chance of it being stolen; therefore this will lower your insurance premium. One way in which you can do this is by fitting a ground anchor to ensure that your quad is fixed to a point. Similarly, as £5m worth of quad bikes are stolen each year, storing your quad in a locked garage when it is not being used is imperative for its safety; it will also reduce the cost of your insurance premium by making it less accessible to thieves, thus reducing risk.

Limiting the amount of mileage that you do on your quad bike can also have an effect upon your insurance premium. This is because the fewer miles that you do on your quad, the less amount of time you are vulnerable to having a collision and making a claim on your insurance policy as a result. This will also limit the amount of wear and tear on your quad, making it last longer.

Motorbike insurance

Save Money on Motorbike Insurance With These 6 Tips

Do you feel like you’re getting ripped off on your motorbike insurance? Are you sick and tired of paying too much, and are looking for ways to pay a lower premium?

The good news is that there is hope. There are many things you can do to get cheaper motorbike insurance, here are just a few…

Advanced motorbike training

Obviously, the more training you undertake the more safer you will become on the road, but did you know that by taking an advanced motorbike training course you can also cut down your insurance premiums?

In fact, by taking a recognized course, you can slash the prices on your insurance rates by up to 20%.

Comparison website

Another way to get cheaper motorbike insurance is to use a comparison website. These websites give you multiple quotes from brokers and companies, which means you can easily find the best deal for your needs.

Don’t be like the millions of riders who take the first quote they are given. Be smart and compare your options to save hundreds of pounds.

How to Insure Multiple Vehicles

Motor fleet insurance is very popular with many businesses. It gives them the ability to insure a large number of vehicles quickly and efficiently. Improving productivity is always a key goal when running any type of business so insuring your vehicles in a way that gives more time for the day-t0-day running of a business is ideal. Whilst businesses are the most common user of motor fleet insurance, there are also a good number of individuals and families who take out this type of insurance. In this article you’ll learn how both businesses and families can make use of motor fleet insurance to save time and money.

For Individuals and Families

Many people like to collect cars. Usually these are classic or vintage cars that are kept as showpieces and for occasional use. Of course there are also people who have a collection of modern cars in their driveway. In either case an ideal way to insurance a collection of cars is to get a fleet policy. The price of the policy will depend not only on the value of the cars being insured also the driver. If the driver has a good driving history and has plenty of experience then the cost of the policy will be much lower. In any case the cost of insuring multiple cars will nearly always be cheaper than insuring them individually.

Families are another big user of fleet insurance. Often they’ll be a young driver or drivers in a family who find it too expensive to insure their car on their own. By getting insured on a fleet policy it makes insurance much more affordable for young and inexperienced drivers. It can also benefit more experienced members of the family too as sharing the cost of a policy is very economical all round.

Remember to insure your café

For the first time ever, with the support of a Primary Care Trust in the South of England, mothers are being encouraged to breastfeed their babies in UK cafes.  Mums are supported by midwives, health visitors and fully trained staff to help them to be more confident about socialising in a café environment in order to breastfeed more openly.  Naturally this has thrown the world of insurance into a bit of a tizzy, many online insurance firms are rather hesitant about providing cover for this different type of café set up.

Understanding insurance brokers

For café insurance look no further than understanding brokers who can tailor-make a policy whatever type of café you own, advisers will do their upmost to find the best business insurance for you as well as the highest possible level of cover.  Check out their online insurance comparison sites which offer instant quotations for any café, bistro, greasy spoon or coffee shop.  You can benefit from one simple policy that includes:

Vintage Car Insurance – A fast track guide

Vintage cars are very unique and rare so insuring them can be a little bit tricky. Luckily there are insurance providers who specialize in insuring vintage cars so if you are lucky enough to be the owner of one of these vehicles then with some research you should be able to find an insurance provider who can insure your vintage car for an affordable price. In this article I’ll discuss the types of cover you can get for vintage cars as well as how to go about finding quotes and saving money.

Types of Cover

Vintage cars are quite different from modern cars and therefore require a different type of insurance. Whilst modern cars are used for day-to-day travelling and generally depreciate in value as they get older, vintage cars are often only used for special occasions and usually gain value with age. Insurance providers will take this into account and offer several types of cover that are unique to vintage and classic cars. Below are some of the main types of cover available

Career or Reluctant Landlord – Making Sure you Get the Right Cover

Due to the economic crisis which started in 2007, renting a property has now become much more popular than buying one. Many people are struggling with money and the last thing they want is to be saddled with a mortgage to go with their other debts. For this reason, along with the unstable housing market, renting a property is now the preferred route for most people. Because renting properties has now become so popular, it presents a significant opportunity for those who want to buy property to let.

Whilst some people can be daunted by the prospect of becoming a landlord, the truth is it is an excellent way of making money from your property. There isn’t too much admin involved with renting out your properties – of course they must be properly maintained and you must ensure your tenants comply with your requirements – but other than that there is not a great deal to it.

What to look for when buying static caravan insurance

As more and more Brits elect to to holiday in the UK, the popularity of static caravans is rising. 2009 research from Haven Holidays showed static caravan sales increased by 38 per cent over the summer months as Brits opted to take more breaks at home.

If you own a static caravan, it is important that you adequately protect your valuable asset. Keep reading to find out what to look for when you buy static caravan insurance.

Some important static caravan insurance information

When shopping around for static caravan insurance, it is important to arrange good quality theft protection. If you use your static caravan as a holiday home, there is a strong chance that you will leave it uninhabited for long periods at a time. And, your caravan may be situated in quite a remote area.

To ensure you are protected, it is recommended that you fit all the necessary security devices and locks that you can. You should also look for a static caravan insurance policy that covers your contents whilst you are not resident.

Your Guide to Unoccupied Property Insurance Cover

If you own property – whether it’s your home, your business premises or you are a landlord – you should be aware of unoccupied property insurance and what it can offer you. There are so many circumstances where unoccupied property insurance will give you ease of mind. For example if you’re a homeowner and go on holiday – what if you return and find your house ransacked or burgled. If you’re a business owner – there may be expensive equipment in the premises that is enticing to burglars. Also if you a landlord and own a lot of property then unoccupied property insurance is an absolute must for you. There are a lot of times when you will have unoccupied property so it’s vital then you get cover for it (you can compare cover online from a panel of specialist insurers at .

Most companies that offer unoccupied landlord insurance will include owner and landlord liability as standard they can also cover against damage such as fire, aircraft, water damage, subsidence and explosion. Whilst some of these scenarios may seem unlikely it is good to know you are covered in every eventuality. Fire, in particular is something that’s very handy to be covered against. Unoccupied properties can be at great risk to damage from fire. For examples vacant building are often targeted by vandals and arsonists. Fire damage can also occur accidentally of course and is much more likely in an occupied building as it may not be being check regularly.

Get a great deal on Caravan Insurance

Buying a caravan insurance policy to protect your vehicle can sometimes be difficult, there are so many insurance plans to choose from and prices to compare. Brokers believe that finding a quote and buying competitive caravan insurance should be made as easy as possible whether for touring caravans, static models, trailer tents or camping equipment. Why not take time out to check the frequently asked questions section all about comparing caravan insurance , there are plenty of handy hints, tips and advice on buying your first caravan insurance or renewing a current policy.

A home from home

Reputable brokers realise that buying a caravan and equipment, new or second hand models, can be quite a financial commitment, sometimes costing thousands of pounds. With costs such as this it’s all the more reason to buy sensible cover for an asset that’s home from home. Caravan owners often pack as much as they can into their vehicles to make it more homely, for instance TVs, cookers, microwaves, fridges and many personal belongings. Unfortunately these can be at risk from theft and accidental damage, so insuring them makes sense, especially when brokers offer low cost caravan and contents insurance.