Archives for March 2011

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Import Car Insurance – Japanese & Grey Specialists

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If you are looking for protection for your imported car, you are bound to have found out that most of the major insurance providers either won’t cover you or will hit you with huge annual premiums. The reason that import car insurance is so important is because the providers deal in the risk posed by you and your vehicle. An insurance company may not be able to accurately determine the risk involved in insuring your imported car.

You may find it difficult to understand why insurance companies insist on charging you so much for import car insurance policies but there are two main reasons. The first is that it is far harder to estimate how much they would need to pay out in parts and repairs as they may be hard to source and cost a lot more. The second reason is that there could be a problem with the vehicle quality standards, depending on where the car has been imported from.

Cars known as grey imports are not built to European standards, and are not EU approved, making it very difficult to obtain import car insurance. Whereas a parallel import is usually from Europe, meaning that it will be much simpler to seek an adequate policy.

Similarly to modified cars, or classic cars, it is usually far easier to obtain import car insurance from a specialist insurer rather than a high street retailer. Before you seek quotations, make sure you have as much information about the vehicle as possible, as the more the insurance provider knows about your car, the more they are able to reduce the annual premium. If cost is a priority, many insurers do not see a right-hand drive vehicle as a higher risk if there are no further modifications, so it is recommended that you ask this first. As import car insurance is always going to be more expensive than any convention insurance, you could use some tried and tested techniques to lower your premiums. These could include any of the following:

• Approved security devices – alarm/immobiliser
• No claims bonus years
• Parking in a garage
• As few modifications as possible
• Low annual mileage

Import car insurance does usually have higher annual premiums than any standard insurance policy, but you do usually save some money as the pre-tax costs are usually a lot cheaper abroad than here in the UK. If you do decide to import a car from abroad, it is essential that you are covered by adequate import car insurance to protect you for every eventuality.

Prestige Car Insurance

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If you are the proud owner of a prestige car, you need the increased assurance that you will protected no matter what happens. With this in mind, it is essential that you obtain a prestige car insurance policy as soon as possible. Similarly to standard car insurance, there are three levels of prestige car insurance available but you may want to seek a comprehensive policy if possible.

Third party, fire & theft insurance is often thought of as a ‘medium’ level of car insurance, as this provides a basic level of protection, with the added cover for damage or loss caused by fire and theft. It is essential that your prestige car insurance is at least covered for this as these two factors can cause extremely costly damage. The remainder of the cover allows third parties and their property to be covered in case an accident is your fault. When considering investing into prestige car insurance, it is important that you think about how you would cover the costs of repairs to your own vehicle, as these will not be covered by a third party, fire & theft policy. The benefits to this level of cover is that it is much cheaper to insure young or inexperienced drivers, but the annual premium cost far outweighs what you might have to pay if you were involved in an accident, particularly as the owner of a prestige car.

You might want to invest in comprehensive prestige car insurance policy as this offers the motorist and car owner a better level of cover compared to 3rd party fire and theft. You and your luxury vehicle will be covered in almost every eventuality as you can expect to receive compensation for damage to your own car in the event that an accident is your fault. Although this level of cover is the most expensive, it is well worth the annual cost if something unexpected were to happen.

Luxury vehicles can cost a lot hundreds of thousands of pounds, so it is essential that you are fully protected when driving on the road. Prestige car insurance is designed to provide you with financial cover if involved in an accident, or if someone steals your vehicle, or if any damage is caused by fire. By being able to rest assured that you and your car are protected, even if you are to blame for an accident, allows you to enjoy your vehicle and stop worrying about financial burdens.

Park Home Insurance – Compare Parkhome Quotes

By their very nature park homes are not your average home, and so it is essential that you are covered in the event of anything out of the ordinary, and traditional risks associated with owning a home. Defined as being your place of permanent residence, your park home will probably be located on an approved site for permanent park home residences. Investing into park home insurance is something that every owner needs to consider, to ensure that you are left open to risks. If you were a traditional home owner, you would not risk not insuring your building or contents – so why any different for park home owners?

It is very unlikely that your standard buildings and contents cover will provide cover for your park home as well; this is often due to a number of factors which increase the risk. These can include the construction materials, the gas and electricity supplies, portable heating appliance, and risk of fire and storm damage due to location.

The causes of fire in the home are usually caused by faulty appliances or wiring, problems with heating systems, and a lack of care when using ovens or electrical appliances. It may seems slightly unfair that your risk of fire as a park home owner is far greater, as these causes are just as likely in a traditional home. However, the reason for a different stance on fire is that park homes are usually made of combustible materials, they are often located quite close together, increasing the risk of the fire spreading; they are usually located in woodland areas; and could make it difficult for fire fighting services if located in isolated areas.

In an attempt to ensure that your park home is kept safe, and perhaps have a lower annual parkhome insurance premium as a consequence, you could take some preventative measures such as fitting smoke alarms and installing fire extinguishers.

Most park home insurance policies will only provide insurance cover if your park home is located on an approved site, so it is important that you check this before obtaining a policy. The sorts of things you can expect to be included in a park home insurance policy are:

• Accidental damage
• Personal possessions
• Subsidence and landslip
• Alternative accommodation
• Tenants liability
• Public liability
• Fatal injury
• Valuables
• Loss or theft of keys
• Underground services damage

UK Tradesman Insurance Quotes

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Quotations Provided by Quotezone

Tradesman insurance is designed to protect those people who work in other people’s homes, or on customer’s premises, or commercial properties. The term ‘tradesman’ usually refers to plumbers, electricians, buildings, decorators, cleaners but can cover a wide range of trades. If you are unsure as to whether the insurance provider is able to offer you tradesman insurance, contact them to confirm first.

If you are looking for your first tradesman insurance policy, you might wonder what is able to offer you. There are usually a couple of core policies included into your insurance, with the option to add on extras if necessary. Two absolutely essential insurance policies which must be incorporated into the most basic of tradesman insurance are public liability insurance and employers’ liability.

Public liability insurance provides cover for tradesman in the event that any damage to a member of the public, or their property is caused by you or the business. You will be covered for any legal fees, other costs and expenses, and hospital treatment. Employers’ liability is required by law if you employ members of staff, as this covers you financially in the event that anyone is injured or becomes ill due to work.

Holding these two policies is extremely important, but it is also essential that you consider where else you might be at risk. More often than not a basic tradesman insurance policy is not enough to protect you or your business, and you might need to consider extras such as:

• Professional indemnity – form of insurance providing cover in the event of any professional negligence by breach of duty of care.

• Tools cover – as a tradesman the chances are you have a lot of money invested into tools, whether they are hand tools, power tools or any other equipment. Without the tools to do the job, you can’t do the job. Protect the lifeline of your business and ensure that you have adequate tool cover in the event of theft, loss or damage.

• Stock cover – if you have any stock on your business premises, or even in storage, it could get stolen. Protect yourself by ensuring that you include stock cover into your tradesman insurance.

• Revenue protection – this helps protect your business if you are forced to cease trading through no fault of your own. The insurance should offset your lost income, but it is also possible to see if you can get financial assistance to start up your business once again.

Surgery Insurance for Doctors Dentists GP

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Quotations Provided by Quotezone

Surgery insurance is an absolutely essential investment in order to protect you, tailored to suit doctors, dentists, vets, osteopaths, chiropractors and alternative therapists, it must be a priority for any business. By communicating with a respected insurance provider, you should be able to understand what exactly you require insurance cover for. Running a surgery presents its own set of challenges, which are unique to any other working environment, so it is important that your surgery insurance policy reflects this.

There are numerous things to take into consideration when thinking about surgery insurance, for example, you must remember about the potential theft of computers and other IT equipment, but you might also require cover in the event of damage by flood or fire which could prevent you from trading. There are many risks to running a surgery, and to ensure that you and your business are never out of pocket, it is highly recommended that you invest in adequate surgery insurance.

You should expect a surgery insurance policy to cover the following as standard with the ability to include additional cover if required:

• Business contents cover: protects your furniture, equipment, and any stock, usually up to approximately £2 million, but this could be increased

• Employers’ liability cover: this is legally required if you employ staff, and is designed to provide financial protection for damages, legal costs and expenses, should a member of staff become injured at work

• Public and product liability cover: this is essential if you come into contact with the public in your surgery, which no doubt you will. If a member of the public, or their property is damaged or injured, you will need financial protection.

• Loss of income: this usually only applies if it is caused by an insured event, but could help you out when times are tough through no fault of your own.
When looking for a surgery insurance quotation, it is strongly advised that you know the value of your business’ contents and equipment, the rebuild value of your property, and the details of any loss, damage, injury or disability in the last 3 years.

Once you have your surgery insurance policy up and running, you will be safe in the knowledge that you have adequate financial protection in almost any eventuality. If the circumstances of your business change, ensure that you inform your insurance provider as soon as possible, as it could save you money on your annual premium.

Compare Office Insurance Quotes – Home Office too

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When starting a business there are many things to take into consideration so it can be quite tempting to ignore investing into office insurance. However, some aspects of office insurance are required by UK law dependent upon your business. Let’s take employer liability insurance as an example – you are legally required to obtain this cover if you employ anyone outside of your immediate family. This will provide financial cover in the event of an employee making a claim against you for an accident at work or the home office.

Office insurance is made up from several insurance policies, and is usually customised to your needs, rather than a standard policy. You can save money on the cost of your annual premium by not taking out additional policies within your office insurance, however, it is important to remember that if something unexpected were to happen, you could easily end up out of pocket.

For office owners, contents insurance is usually one of the types of insurance which is often overlooked as unnecessary, but have you considered your computers, mobile phones, files, stationary, desks etc. all this can add up to a great cost if do not have adequate insurance cover. Other types of insurance which you must consider adding to your office insurance policy are Loss of Revenue which will cover you in the event that you are unable to trade, public and product liability insurance, buildings cover, and professional indemnity insurance.

It is essential that you discuss your requirements with an experienced insurance provider who can offer you the level of cover you require. As you can imagine, a home-based office with a couple of employees would not need the same type of policy as a multinational corporation employing thousands of people. However, some of the risks are the same no matter how big your business is – having a small office does not make you exempt. How would you cope financially if your office was completely flooded or set on fire, ruining all of your equipment and meaning that you would be unable to trade for a number of weeks? Would your business be able to survive?

It is always highly recommended that every office has some sort of office insurance policy in place but the level of cover will depend on your budget and type of business. Ensure that your business won’t end up going out of business through a lack of office insurance.

Public House Insurance – Compare Quotes

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Quotations Provided by Quotezone

If you run a pub or wine bar, you will be well aware of the time commitment and investment involved, so it is essential that you do not waste your time and money by not having an adequate pub insurance policy. Pub insurance should include a number of policies which you have probably heard of, but most important are public liability insurance, buildings and content insurance, and employers’ liability insurance.

Why would I need these as a part of my pub insurance?
Public liability should be essential if you are in contact with the public, as if someone were to injure themselves on your property you could end up with a claim being made against you. As a pub is a place that someone might be intoxicated, an accident is probably far more likely than anywhere else, making this a priority for your pub insurance.
Buildings and contents will cover you in the event that something become damaged due to fire, theft, flood or other risks. This is the same sort of policy that you will have covering your home, but it is just as important to include it into your pub insurance policy.
If you employ people outside of your immediate family, you will need employers’ liability insurance by law. This will protect in the event of any legal action from an employee.

What else could I add on to my pub insurance policy?
Although the above should be included in any pub insurance policy, there are added extras such as money cover, glass cover, personal assault, business interruption, and loss of alcohol licence protection. These may seem unnecessary, but unless you are covered for every eventuality, you might find yourself and your pub out of pocket.

Business interruption insurance is one policy you might wish to incorporate into your public house insurance policy as this will protect you in the event that you are unable to trade from your premises, through no fault of your own.

Prices for pub insurance do vary depending on the level of cover you choose, but by using online price comparison tools, you can check to see you are getting the best policy for your money. By discussing your requirements with an experienced provider, you will ensure that you are covered for what you need to protect your pub and yourself, but that you are not paying for cover that you will never make use of.

Cheap Shop Insurance Quotes – Compare Online

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Shop insurance is an essential form of cover for shop owners, as it covers a wide range of risks associated with owning and running a business. It is usually made up from different insurance types and combined into one suitable shop insurance policy. As shop insurance is tailored to suit your needs, rather than a ‘one size fits all’ off the shelf policy, it is imperative that you fully understand your requirements before obtaining a policy. For example, your policy will differ is you come into personal contact with customers and suppliers, or whether you sell electrical products.

If you employ staff outside of your immediate family then your first port of call is employer liability insurance which is required by UK law. The purpose of this insurance is to provide cover against claims from staff who are injured or become ill as a result of their work. On top of this cover, you need to consider whether you need to include any of the following into your shop insurance policy:
• Public liability insurance
• Product liability insurance
• Buildings or content insurance
• Legal expenses insurance
• Trade credit insurance
• Business interruption insurance
• Books debt insurance

The chances are that you will need to incorporate at least 4 of these policy options into your shop insurance, buildings & contents, public liability, product liability and business interruption. Business interruption cover is also known as Loss of Profits or Consequential Loss, with the idea being that it is able to provide financial assurance in the event that you lose turnover or you are unable to trade. Aside from your customers, the lifeline of your shop is your staff and products, so ensure that these are protected by including business interruption cover into your shop insurance policy.

Although it is important to ensure that you are adequately covered for any eventuality, it is just as important to check that you are not paying over the odds for aspects of shop insurance that you will never use. Ensure that you have a satisfactory level of cover for your needs, and always ask the provider what they are covering you for. There are a number of general policy exclusions with shop insurance, these can include anything from vacant and disused premises being exempt, to wear and tear, to damage caused to products by sunlight/fading; or even theft if it does not involve forced entry.

Cheap 4×4 Car Insurance Quotes

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Over the last couple of decades, 4×4 cars have become very popular with families rather than simply farmers and those that live in rural areas. 4×4 vehicles are very practical due to their space, off-road capability and low purchase costs. Most 4×4’s are not driven off road and usually driven on standard roads just like other cars and car insurance is a legal requirement for these vehicles.

Although buying a 4×4 vehicle has become increasingly popular, it seems that 4×4 car insurance hasn’t seen the same increase in popularity. The reason behind this may be that UK insurance providers seem to take great pleasure in charging an incredible amount of money each year for 4×4 car insurance, compared to a conventional policy. There are a wide variety of 4×4’s and SUV’s on the market these days and most people will not be participating in rallies and off-roading, but most insurance companies do not consider this.

Other reasons that 4×4 car insurance is generally so expensive is that it is thought that 4×4 vehicles are more dangerous to pedestrians than other cars, and that they can present a high theft risk. Research into these claims has actually found that neither are relevant to the UK, but this information has not translated to the quotes presented to 4×4 owners yet. A more accurate reason for high premiums on 4×4 car insurance, is that the cost of repair is much higher as it parts and labour is often more expensive for 4×4’s.

If you are looking for ways that may reduce the cost of your 4×4 car insurance premiums, there are a number of steps you can take such as : –

• Take extra driving courses such as the Pass Plus test as this proves to the insurer that you are a responsible driver, therefore less likely to be involved in an accident

• Join a 4×4 owners’ club as providers often give policy holders’ discounts if they belong to the relevant owners club for their vehicle

• Don’t modify your vehicle as this makes it difficult for the insurance company to accurately identify what risk you and your 4×4 pose when on the road

• Maintain a clean driving licence, and build up your no claims bonus years as this will encourage the provider to reduce your annual premium.

• Inform the insurance company that you do not intend to take your vehicle off road, or participate in any rallies or competitions.

Euroferret.com is owned by Mediamash (NI) Limited, who are an Introducer Appointed Representative of Seopa Ltd. The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FCA, number 313860. You can view our registration at www.fsa.gov.uk/register/firmSearchForm.do?sid=127135. We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.