Reliable Antiques Shop Insurance

Antiques stores sell an amazing variety of goods from furniture to jewellery, collectible items and rarities, there are always some interesting articles to choose from.  Many of the products for sale come from auctions, estates, yard sales, flea markets as well as individual sellers helping to make antiques shops a profit for the owner, however with so many valuable items on the premises it’s wise to purchase antiques shop insurance online from insurance specialists.  Why not request a quote today, it’s free and will only take a matter of minutes to do when following the online step by step instructions.

General liability insurance

Firstly, take a look at general liability insurance which is ideal for antiques shops.  It’s important for owners to provide a clean organised clutter-free shop to prevent their customers from tripping and falling which may cause them injury that could lead to the proprietor being sued for negligence. antique shop 300x213 Reliable Antiques Shop Insurance Merchandise should be displayed on sturdy shelves to prevent toppling hazards and there should always be plenty of space for customers to be able to walk around.  General liability insurance will protect you not only from injury and accident claims, but also customers who have said you have sold them defective products, speak to brokers today to learn more about this type of policy.

Employer’s liability insurance

If you employ staff who are employed full-time or on a part-time basis or even members of your family who may work for you on a voluntarily basis, it is mandatory in the UK to have employer’s liability insurance.  Similar to customers, employees could trip or fall while working in your antiques store resulting in a claim against you for lack of care which if you didn’t have employer’s liability insurance cover could cost you a lot of money.  It’s also necessary to have buildings and contents insurance too, if a major disaster was to happen such as fire or flooding your shop could be destroyed, including the antiquess in it.

Protect your business

In addition to antiques shop insurance why not purchase an extra policy such as business interruption insurance.  If your store was unable to open for trade especially through no fault of your own your income would be affected dramatically and the loss of customers may be irreversible, therefore to protect your business even further discuss business interruption insurance with online specialists to cover all eventualities.

 

 

by on May 14, 2012  •  Permalink
Posted in Antiques Shop Insurance
Posted by editor on May 14, 2012

http://liscareerfair.org/antiques-shop-insurance/reliable-antiques-shop-insurance

Subsidence Made Easy

When you spot that first crack, the first tell-tale sign of the demon that is subsidence, you may feel a twinge of panic setting in. Your home is probably your most expensive asset, the comfortable dwelling that you have invested both time and money into improving. Subsidence doesn’t need to demolish the dreams you had for your home, if you speak to the experts early on you can save yourself a lot of trauma and even money.

Subsidence Insurance covers you for all of the effects of subsidence; from having your home assessed to reinforcing your home with underpinning to prevent any further damage.

What causes subsidence?

stratford house stratford place highgate Subsidence Made Easy

Most commonly, subsidence will be brought on by severe dryness of the ground around the area that your home has been built upon. This could be due to a number of causes, in many cases it is a bit of a battle against nature. Our leafy, oxygen supplying friends trees are one of the main culprits of causing subsidence, as large tree roots have a tendency to absorb all the water within their grasp.

The climate can also play a significant role in causing damage to your home in the form of subsidence. Periods where we experience low rainfall can result in subsidence in a similar way to trees removing moisture.

When the ground is too dry, it can often lead to buildings above it to gradually slide downwards. Everybody knows that the key to having a stable building is to have strong foundations, so if the structure of the foundations are compromised, then it will naturally lead to further problems. Even the slightest of movements will lead to clear subsidence indicators such as cracked walls or in lesser cases, window frames sticking.

The most crucial part of obtaining subsidence insurance is to ensure that you have a trustworthy yet reasonably priced company that will help you in your hour of need. The best insurance companies will strike an even balance between providing a great claims service and maintaining affordable premiums. If you are unfortunate enough to need to make a claim for subsidence, you will regret opting for the cheapest deal if it means that your home is not properly taken care of.

Few insurance companies specialise in subsidence insurance and therefore the process of making a claim could be a lot more arduous than it needs to be. By looking to the experts in the subsidence insurance industry, you can put your feet up and leave the hard work to those that know best. If your home is your most valuable asset, make sure that you treat it that way and ensure it is covered by experts who will certainly treat it like the very valuable asset that it is.

Simply fill in your details online today and a team of subsidence specialists will be able to point you in the best direction.

by on April 24, 2012  •  Permalink
Posted in Subsidence Insurance
Posted by admin on April 24, 2012

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Avoid Cowboy Builders in Kent

Anyone that works in the construction industry in the south east of England will tell you that  like all over the UK, cowboys are a problem for honest builders in Kent.  dumper truck driver 225x300 Avoid Cowboy Builders in KentVarious watchdog organisations will receive on average complaints in excess of 100,000 on this subject alone.  A cowboy builder usually has no real skill or knowledge and is basically a con artist that hopes to get his hands on the money before the customers realises that something has gone badly wrong.  In most cases the work doesn’t even get finished before the cowboy has ridden off into the sunset and it is the reputable builders in Kent that get the fall out.  Although the amount of complaints sounds scary remember this is a minority problem,  every time they try and pull off another scam job they are at risk of being caught – and there are organisation including the police working to stamp them out.  Try not to let them put you off booking yourself a builder – just follow these simple tips to stay safe.

As irritating as things like VAT and books are to businesses all legitimate builders in Kent (and indeed across the country) will accept that this is how they must work.  If you find yourself in a ‘nudge nudge’ ‘wink wink’ conversation with a builder, where he is promising you that cash in hand will cost you less and there won’t be any need for VAT….run.  Simple as that.  An above board company just wont do it – thank them for their time and walk away.

Be very wary of companies that don’t seem to want to put things in writing.  You need to cover yourself anyway, if you are having planning permission and building regulations involved – which is very likely – you will want things like written quotes and contracts to pop on the file.  If you cannot get a quote on paper, or the builder in Kent tries to convince you that a contract is not really going to help then think again.  Again – this is something you want anyway to protect your financial investment in the company from a legal standpoint.  Finally during the quote process watch out for things like ‘£500 upfront and we can start this afternoon’  Reputable builders are probably going to have a lead time of a few weeks on none emergency jobs.

Pay attention to the vehicle they pull up in, is it sign written – most large builders do try and create themselves a visual presence – it is in their interest if your next door neighbour sees who built your wonderful new conservatory!  Can they show you a business card, headed paper anything that suggests they are really what they claim.  Again Mr Cowboy probably can’t – and may well try and distract you or change the subject if you start pushing for things.  Finally, look for registration with a governing body – all trades have them and builders in Kent that are reputable will have had no problem registering with one.

Richard Todd writes for Building Times and Brickworksoutheast.co.uk on a regular basis.

by on April 22, 2012  •  Permalink
Posted in Builders
Posted by admin on April 22, 2012

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Getting the Best from Truck Insurance Quotes

As with any insurance the onus is on you, the customer, to ensure that you have provided the correct information when getting a truck insurance quote. The only person that stands to lose if the cover is insufficient or negated by incorrect details is you,  the customer and it could be fatal for your business so best to make sure it doesn’t happen.

Clearly we are all drawn to looking for the best price but do not fall for the cheapest being the best without having read the small print and checking the full extent of the cover – or lack of cover.  Remember the old adage from your grandmother – If it seems too good to be true – it probably is.  One quote substantially lower than five others suggests that the level of cover being offered is significantly less and you need to check before you commit.

ha0502144 300x199 Getting the Best from Truck Insurance QuotesThere are a couple of easy tips that will ensure you don’t fall into the most common truck insurance quote traps.  Firstly ‘Correct Usage’ is a really important term that you need to understand.  The rules on this have been tightened up – both from an insurance point of view and also the police point of view.  Not only can claims be invalidated if you have not got the correct usage on your insurance but the police are increasingly making spot checks at the side of the road just to check this issue alone.  The penalty for not being properly insured for correct usage is six penalty points on your driving licence, a fine and an IN10 (driving without appropriate insurance) – Not really worth the risk!  So, look for the wording on the policy and make sure it states: Hire and reward / Courier Usage and Haulage as appropriate to your line of work, a cover all of business use is not enough.

Secondly policies that are weight rated can sometimes catch out even the most experienced driver.  When you are offered a cover limit of say £10000 total goods cover make sure that IS all they are offering – some have a per tonne limit that can actually see you significantly out of pocket.  You want to ensure you have 100% cover and avoid tonnage based on weight cover at all costs.  An simple example is if a package weighing 4 kilos was damaged, the cover payout, if the policy was capped at £15 a kilo would be £60 – not close enough by far if the item itself is worth £5000 – the shortfall would be down to you as the liable party.

Of course as with all insurance quotes make sure you are giving correct information -  a missed penalty point here – a forgotten incident there can all come back to bite you should you need to make a claim.  Check that your vehicle specification is correct against the data they hold from DVLA, even silly details like your date of birth can be used against you if they have not been recorded correctly.

by on April 17, 2012  •  Permalink
Posted in Truck Insurance
Posted by admin on April 17, 2012

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Ask for a Landlord Insurance Quote today

The best way to find affordable landlord insurance is to search online where you’ll find experienced brokers who have worked in the insurance industry for many years. They can offer you a landlord insurance quote to give you an idea of how much it will cost to protect your property assets. It’s necessary to have landlord insurance in the event of anything happening either to the building or the contents, whether accidentally or maliciously. Brokers offer good advice and guidance to new landlords while for those who have owned property for a long time, renewing is so easy.

Save time and money

Using the services of reliable online brokers will save you both time and money, landlords are generally very busy showing their property to new tenants, decorating, refurbishing or making sure everything is in order. For this reason let brokers take the strain out of buying insurance that will suit your requirements, just fill out an online form with your details and information about your property, they’ll then do the rest. landlord insurance.jpg pic 3 Ask for a Landlord Insurance Quote todayBrokers work from a database containing some of the UK’s well-known insurers to find landlords great insurance policies at great prices.

Protect your investments

Any type of business owner needs to protect their investments and this applies to landlords who have properties to rent out. To make sure you buy the correct policy to cover your particular requirements give insurance brokers a call or contact them by e-mail for a free no-obligation quote. Brokers offer highly competitive packages so if you are new to the property letting business or have an established portfolio of properties they can tailor-make a policy to suit your needs. Protecting your investment couldn’t be easier especially when there are many savings to be made by using the services of reputable insurance brokers.

Benefit s of insurance cover

Having the correct landlord insurance is essential to make your property letting business stand out from the rest, some of the benefits you can take advantage of are:-

  • Cheap online quotes
  • Claims for buildings or contents
  • A combined policy for the above
  • Access to a wide range of optional extras
  • Discounts for claim free years

As well as the above points there are a variety of payment schemes too which include direct debit, using this method means you won’t forget to make monthly payments, good news for busy landlords.

by on April 8, 2012  •  Permalink
Posted in Landlords Insurance
Posted by editor on April 8, 2012

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Request a Landlord Insurance Quote from online brokers

If you’re searching for a landlord insurance quote look no further than specialist online insurance brokers. Having tenants in your property requires landlord cover which is not provided by ordinary house insurance. Brokers can provide policies for buildings and liability as well as accidental damage which are usually included automatically under one package. landlord for rent1 Request a Landlord Insurance Quote from online brokersA landlord insurance quote is specifically designed for anyone who rents out any type of property to a tenant, there are a wide range of policies to choose from with brokers who provide an efficient and professional service at all times.

Commercial landlord insurance

You can request details regarding a landlord insurance quote whether you have residential or commercial properties to let. You may have a:-

  • Warehouse
  • Industrial unit
  • Leasehold shop
  • Leasehold office

Whatever type of commercial property you own brokers can arrange the necessary cover at a very competitive price. Check out some of the standard benefits which are usually included:-

  • Portfolio cover and mixed property cover
  • Replacement locks and keys cover
  • Glazing repairs
  • Professional fees incurred during rebuild or repairs
  • Authorised use of electricity, gas or water

There are of course optional extras to purchase from brokers for instance Employer’s Liability and landlord’s guaranteed rent insurance.

Choose brokers

Choose brokers if you wish to receive a landlord insurance quote, you can benefit from their experience and prize winning insurance policies as well as benefits. They understand the importance of protecting your rented investments so buy landlord insurance policies to suit both residential and commercial properties. When you request an online no-obligation quote for landlord insurance, you need to submit a few details such as:-

  • The date you bought the property
  • The rebuild value
  • Details of each property you require cover for
  • Any claims you have made within the last five years

Landlord insurance advice

Rest assured by requesting a landlord insurance quote all landlord insurance premiums given include tax, what you see on the screen is what you pay. Once you’ve purchased landlord insurance you’ll receive a welcome pack with all the information needed concerning your insurance policy, it will also have the number of a UK based customer manager who can be contacted by e-mail or phone if you have any queries. If there’s anything you are unhappy about or if you need to change your cover, speak to an insurance adviser as soon as possible.

 

 

by on March 24, 2012  •  Permalink
Posted in Landlords Insurance
Posted by editor on March 24, 2012

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A Guide to Landlord Insurance

Landlords rely on the revenue from their let properties to make a living, to protect their investment adequately landlord insurance is recommended. Traditional home insurance doesn’t provide cover for landlords who earn an income from property however buying landlord insurance or as it is otherwise known, buy-to-let insurance, can help to protect revenue. The good thing for landlords is that insurance is available for a single property owner to people who have large property portfolios.

What is covered?

The core protection in most landlord policies is building insurance, this provides cover against damage to any properties you let out to tenants, for instance a fire in the building which may force them to move out temporarily so the repair work can begin. lanlord insurance A Guide to Landlord InsurancePublic liability landlord insurance will protect you and your property against claims made due to damage to a third party, person or object for example, if a tile on your roof was to fall and hit a passer-by they could take you to court for an act of negligence. Landlords can also get cover for the value of property against loss of earnings in other words rent, due to damage, in many cases as much as 30%.

Additional insurance

If you are a landlord who lets out furnished properties then why not purchase contents insurance online from reputable brokers? This will protect against damage to any of your furnishings such as a sofa, carpets, beds and white goods. It’s worth noting however that contents insurance won’t provide cover for your tenant’s personal possessions. You will have to advise them to buy their own separate policy for this. You could also opt to purchase accident cover providing you with additional protection, if your tenants were to have a party and they damaged your property or its contents, you would be protected. For those landlords who have a portfolio of properties, hiring staff to maintain and run them, then employer’s liability insurance is advisable. This provides cover against compensation claims made by an employee or former employees who may have been injured while working for you.

What can affect premiums?

There are various ways in which landlord insurance brokers assess the risk of your property which in turn can affect your premiums, for instance:-

  • The location of your property (postcode)
  • The type of tenants
  • The age of the property
  • Claims history

 

by on January 31, 2012  •  Permalink
Posted in Landlords Insurance
Posted by editor on January 31, 2012

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Affordable Kit Car Insurance

Kit cars are certainly different from the mass produced vehicles that are churned out by manufacturers. They are individually built by professional and amateur enthusiasts, many of them being a labour of love. Kit cars are self-assembled often with fibre glass bodies, however if you’re thinking of building your own vehicle it may be wise to read about the building process before hitting brick walls. kit car pic 2 300x182 Affordable Kit Car InsuranceThey can be fun to build with many famous cars being replicated, for example the AC Cobra which was a British built designed sports car produced in the 1960s, a real cool two seater roadster!

Have The Right Insurance

Having the right insurance is just as important as having the right parts to build your kit car. Why not choose parts only kit car insurance, this is designed to provide full cover for the kit car owner as a person as well as making sure physical parts of the car are covered too. Online brokers can offer substantial discounts for parts only kit car insurance, in some cases around thirty per cent, although do take into account that no labour cover is provided within the policy, only the actual parts which you will need to repair yourself.

Ask For A Quote Today

Established brokers can provide you with an instant quote for your kit car and can offer:-

  • Spare parts and accessories cover
  • Windscreen cover
  • Discount for parts only kit car cover
  • Kit car build up cover for loyal customers
  • Generous driving discounts
  • Second car – nil no-claims bonuses not a problem
  • Insurance for drivers aged 21 and upwards

When requesting a quote online with brokers you must:-

  • Be a permanent UK resident
  • Be aged between 21 and 74
  • Have a full UK driving licence for more than 12 months

If you have any concerns about applying for kit car insurance speak to a reputable broker directly by telephone where an adviser will be happy to help.

Cover All Possibilities

Once you’ve decided which type of kit car you’re going to build, how you’re going to fund it, you must then consider insuring it against all possibilities, for instance, theft, damage and accidents out on the road. Kit car insurance won’t cost you the earth especially with brokers online who have been providing comprehensive cover to kit car owners for many years.

by on January 2, 2012  •  Permalink
Posted in Kit Car Insurance
Posted by editor on January 2, 2012

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Learn Skid Pan Training With Experienced Instructors

Skid pan training can provide you with all the necessary skills to learn the techniques required to be able to control a skid. This type of course is usually offered in modern, unmodified family cars which are fitted with unique low grip tyres, the courses take place on large tarmac areas specifically designed for skid pan training exercises.

Professional Instructors

Event organisers make sure that anyone who enrols for a skid pan training course with be accompanied by a professional instructor. They have the knowledge and experience to teach you these skills in complete safety at your own pace. The skid control techniques for front and rear wheel drive cars are certainly different. When making a reservation online you need to tell event personnel exactly what make and model of car you normally drive so they can choose an appropriate vehicle for you.

What Training Includes

Learning how to control skids is both fun and very educational, however the course leans towards safety practices too. Check out what the training includes:-

  • A welcome introduction and safety briefing
  • A demonstration of in-car skid control by your instructor
  • Driving sessions on skid pan areas
  • Session on ABS training
  • Individual driving course certificate
  • All driving sessions are one-to-one with a professional instructor in the vehicle

The great news is there’s no standing around, group sizes are usually three people so you won’t have to wait long to be the next person taking the wheel.

Simulated Experience

In addition to the above, there’s a simulated Grand Prix circuit where drivers can see and emulate Formula 1 drivers who negotiate the hair pin bends, swerve to avoid other racing cars and control a vehicle during a skid. This type of simulation is extremely realistic and can provide participants with the actual feel of what it would be like to be in a skid or driving in other hazardous road conditions.

Newsletter

For more information regarding an exciting skid pan training course why not browse newsletters online, they are a great read and can offer an insight into what driving events are like as well as prices, catering facilities including local hotel accommodation. skid pan training pic Learn Skid Pan Training With Experienced InstructorsIf you’re not too sure where these driving events take place there’s a clear online map, the location is easily accessible by road or train, so make a reservation soon.

by on December 19, 2011  •  Permalink
Posted in Skid Pan Training
Posted by editor on December 19, 2011

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A better deal for Minibus Insurance

You normally need to hold a PCV category D1 or category D licence if you drive a minibus that has nine to sixteen seats, this is a legal requirement in the UK as is minibus insurance. You must have this type of licence before being accepted for a minibus insurance policy so it’s recommended to read online exactly what you do need to be eligible for cover. Minibus insurance is available for drivers who use their vehicles for domestic, social or pleasure purposes and can be found online with brokers who offer great deals to their customers. minibus pic 1 A better deal for Minibus InsuranceBrokers also offer their clients the option of paying for minibus insurance by monthly instalments, usually by direct debit, however a small administration charge may apply so do check first with an adviser before deciding how you intend to pay. They may offer short-term minibus policies but generally insurance packages are for twelve months.

Request a quote

If you meet the necessary criteria then request a quote online for minibus insurance, you must leave your personal details as well as in-depth information about your vehicle, if you do have any questions about the quote or wish to discuss your needs in more detail, insurance staff are only a phone call away.

Take a look at what insurance brokers can offer

  • Low price policies
  • Cover for social or private hire use
  • Documentation available to be downloaded online and delivered immediately
  • Great minibus insurance deals
  • Cover for all sorts of businesses and organisations for instance, nursing homes, charities, schools, sports clubs and pleasure use

Backed by some of the UK’s leading insurers you can be sure of getting great cover along with big savings. If you have minibus insurance with another insurer then there are many reasons to switch your cover to an online broker. Expect to receive:-

  • Fast quotes
  • Cover in less than five minutes
  • Instant certificate of minibus insurance
  • A host of valuable optional extras available
  • Various discounts

Customer recommendations

To get a feel of what other minibus owners think about brokers and their policies check out customer recommendations online. They can provide you with an invaluable insight in what minibus drivers say about brokers’ services and their insurance packages, claims procedures including payment plans. Comments are generally very favourable so insure your minibus with commendable brokers today.

by on December 19, 2011  •  Permalink
Posted in minibus insurance
Posted by editor on December 19, 2011

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Struggling for a Taxi Insurance Northern Ireland quote?

Many taxi drivers can sometimes struggle to obtain a quote for their taxi if they have held a UK driving licence for less than three years. Put your mind at rest, a well-known online insurance broker has the know-how and expertise to provide you with a free no-obligation quotation even if you have no taxi driving experience.

taxi insurance belfast northern ireland 300x225 Struggling for a Taxi Insurance Northern Ireland quote?

Taxi Insurance Northern Ireland

Naturally you must meet certain criteria, terms and conditions which apply to be eligible for a quote for taxi insurance Northern Ireland. Family run brokers have been established for over twenty years and can assist taxi drivers in buying the right policy at affordable prices. Immediate cover can be arranged and various payment plans can be organised to suit the individual.

In safe hands

When requesting a quote you need to provide personal information about yourself as well as details about the vehicle in order to fit the requirements of taxi insurance Northern Ireland. Rest assured all information provided is completely confidential and in safe hands, it won’t be disclosed to any other parties without your consent, so don’t worry about this part of the process. If you wish to see policy documents in more detail there is the facility to download them online, if you’re not happy about any part of the insurance package, particularly the terms and conditions, then speak to an adviser as soon as possible.

Taxi fleets

If you’re the owner of a fleet of taxis then buying taxi insurance Northern Ireland is a vital part in protecting your business, brokers have well-established partnerships with some of the UK’s renowned insurance companies so taxi fleet owners can expect some of the following:-

  • Comprehensive cover
  • Third party, fire and theft
  • Third party only basis
  • Named and any driver policies available for drivers aged between 25 and 70
  • Multi-seated vehicle cover

Insurance providers especially brokers, are well aware of how important it is for taxi companies to stick to a budget, specialists have the policies and insurance products available to offer just that.

Flexible payments

Taxi drivers can take advantage of flexible payment options too such as monthly direct debit or one off annual payments, to see what is available speak to an insurance broker to discuss the various options. Taxi insurance Northern Ireland brokers often have money-saving promotions, for instance 5% discounts on new taxi insurance policies.

by on November 30, 2011  •  Permalink
Posted in Taxi Insurance, Taxi Insurance in Ireland
Posted by editor on November 30, 2011

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Choosing the Best Taxi Insurance Northern Ireland

taxi insurance belfast northern ireland 300x225 Choosing the Best Taxi Insurance Northern Ireland

Taxi Insurance Northern Ireland

Every taxi driver should ensure that they have adequate insurance to protect them should a road accident or injuries to passengers occur. An established taxi business can take years to build up so it would be foolhardy to throw away all the time, effort and money by being under-insured especially if a customer sues you for negligence. For taxi insurance Northern Ireland take a look at the following key points:-

  • Competitive quotations for drivers between the ages of 22 and 70 including first-time PSV drivers
  • Fleet policies are available on any driver basis providing there are two vehicles or more
  • Breakdown services and legal expenses are covered
  • A solicitor will be appointed at no additional charge in the event of non-fault accidents

Request A Quote

Why not request a taxi insurance quote today? You can read an online quote eligibility criteria section to see if you meet the necessary requirements to take advantage of competitive taxi insurance. Submit an enquiry form with your personal details and insurance request, a member of staff will endeavour to make contact with you as soon as possible. Even better, visit in person, there’s a map on the website that provides clear information of where the office is including opening hours and a contact telephone number as well as an e-mail address.

Saving You Money

Taxi insurance Northern Ireland needn’t be expensive especially when contacting a family-run insurance business which has been established for more than twenty years. They have a large selection of reputable insurance partnerships which enables them to pass on savings to their clients whether it be for cars, motorcycles, homes or taxi insurance. If you’re struggling to get a quote for taxi insurance because you’ve held a UK driving licence for less than three years or have no taxi driving experience, then you may still be offered an insurance quotation. Do check out the criteria before you apply.

The Benefits Of Choosing An Online Broker

By choosing an online broker, taxi drivers will immediately receive the benefit of a 5% discount off all premiums and insurance products. Doing business online is much easier than searching around the busy High Streets, it’s quicker and everything can be organised at the click of a button. Taxi insurance Northern Ireland also provides a twenty four hour breakdown service, just the job if you’re a taxi driver.

by on October 9, 2011  •  Permalink
Posted in Taxi Insurance
Posted by admin on October 9, 2011

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