Home Business Insurance
You now longer have to face that daily commute to work with the prospect of
train delays and traffic jams. Your working day is now a pleasure, as you
just stroll to your office at home you feel relaxed and are far more
productive. But are you home insurers offering the cover you need?
Undernormal household insurance any equipment used or deemed to be used for
business such as the family computer you use for your accounts or as part of your business activities is not covered. Even if you perhaps do a few hours a week for perhaps piano tuition
again the piano is excluded under regular household cover !
Please not assume, even if your policy mentions business equipment, that such items will be fully covered. Now if you hold goods or stock things start to get more complex. We have heard many incidents of insurers declining cover for those who cook food at home for sale, ranging from just a few cakes a week to party caterers.
Should you ever have clients visit your home most policies be instantly invalidand you open up public liability insurance issues.
Fear not, there are specialist insurance brokers out there who can offer a bespoke policy that fully
understands the varying needs of home based businesses. A Public Liability policy for when you
visit clients or clients visit you is a good idea and do also remember that if you employ any staff, even if they are family or just casuals, by law you must carry employers liability
insurance.
More Than Home Insurance - Updated Benefits
MORE TH>N are updating their Home Insurance policy package on Sunday 18th January as a result of customer feedback and Yes they DO quote online for Northern Ireland Residents!
Check it out -
Updated Product Features and Benefits:
FREE contents cover when you buy Buildings Insurance. And, if you stay-claim free you’ll get FREE contents cover for the life of your policy
25% discount for buying online
Covers all your possessions while they are in your home and garden, including any garages, sheds or outbuildings at the same postal address
Reassurance of up to £75,000 Contents cover as standard
‘New for old’ replacement of damaged or stolen goods, most delivered direct to your door
Basic Accidental Damage cover automatically included - for accidental damage to items such as your TV, music and home entertainment systems, PC’s, DVD player and including items such as ceramic hobs and glass top furniture.
Buildings Cover:
The reassurance of up to £400,000 buildings cover with an option of £750,000 buildings insurance. This cover provides protection against storm, flood, fire, subsidence and the structure of your home, as well as meeting the full rebuilding cost of your home including architects and surveyor fees
Buildings cover includes fixed kitchen units, bathrooms, plumbing, patios, walls and fencing.
Major repairs carry a MORE TH>N ‘Repairs Guarantee’ from our approved contractor network
Home Contents Cover:
This covers your belongings such as;
Free-standing Fridges and Cookers,
Sofas,
Carpets,
Ornaments,
Music & Entertainment systems,
PCs and DVD players and more personal items such as Watches and Jewellery
Cover is against theft, fire, water-damage and flood damage.
Option to upgrade cover to include accidental loss or damage in the Home (full AD cover)
Option to upgrade cover to include “contents away from the Home cover†(away)
£1,500 single item limit - items other than carpets, curtains and furniture worth over this limit will need to be declared individually.
This again makes sure customers don’t pay for cover they don’t need
Geta a More Than Home Insurance quote HERE>>>
Tesco Car Insurance £50 Cash Back Offer
Tesco have announced a new offer on their Standard Car Insurance to be displayed as of today. Details surrounding the offer are shown below at Tesco Car Insurance together with full terms and conditions.
Get £50 cashback, all you have to do is
• Get a quote (remembering to enter your Clubcard number)
• Select from our range of add ons to build your desired level of cover
• Accept the quote before 4th February 2009.
• Sit back and wait for your £50 cheque (within 6 weeks at most)
• Exclusive to Clubcard customers who buy online before 4th February 2009.
• Clubcard number must be entered when you start your quote.
• Online discount of 15% for new customers, in their first year only.
• Earn 1 point for every £2 you pay on your car insurance premium – Clubcard holders.
• New customers only.
comparethemarket.com Expand Their Panel
Comparethemarket.com has added five new members to their already broad and comprehensive panel of insurers they use to compare car insurance quotes for you. These companies are Policy Shop, One Call, Premium Choice, Direct Choice and AutoNet.
So what does this mean for Northern Ireland insurance shoppers? Put simply an already excellent quote comparison site for N Ireland has just got even better. You have no doubt seen their extensive TV advertising ad sponsorship of Channel4 drama and perhaps wondered if their service was any use for this part of the world, well it is!
Keep an eye out for a brand new and very entertaining TV ad campaign in early 2009.
…source comparethemarket.com Press Office
Find a cheap car insurance quote for Northern Ireland
There is good news for residents of Northern Ireland at last. Those looking for car insurance can now get a cheap car insurance quote for Northern Ireland right from the comfort of their own home, online. No more having to pay through the nose for car insurance on the high street. Previously residents were limited when it came to taking out insurance and there was virtually no competition, so prices were high which meant insurance was unaffordable.
A specialist online website that offers those living in Northern Ireland the chance to shop around for a cheap car insurance Northern Ireland and will also provide plenty of advice and information on how to shave more money off the cost of insurance. There are many ways that you can help yourself to reduce the cost of the premiums if you know how.
First you would have to choose the type of car insurance you need. Your choices are fully comprehensive, which is the dearest, third party fire and theft in the middle and third party only which is the cheapest form of cover. Fully comprehensive would provide the most cover for your own car, third party fire and theft would just protect against a loss due to fire or theft along with offering cover for the third party. Third party as its name suggests only provides cover for the third party.
The type of insurance would to some extent be dictated by the type of car you choose. If you are buying a brand new model or a car that costs over a certain amount then you would have no option but to take out fully comprehensive insurance. If you buy a second hand model it might be worth considering third party fire and theft.
You could save on the cost of car insurance by choosing to pay out more in excess. This is the sum of money that you would have to find out of your own pocket if you should need to make a claim on the insurance. All cover will come with a minimum of excess but if you offer to payout more the premiums will be lowered. Do take into consideration however that you have to find this money in a lump sum before the insurance company would payout on the insurance.
The size of car would also go towards determining how much you would pay for the insurance. If you choose one of the top of the range sporty models then you could find the insurance rates for it being way over what you can reasonably afford to pay. A small engine size and family model would cost less to insure.
Finally when looking for a cheap car insurance quote for Northern Ireland the safer your car is the cheaper it will be to insure it. If you payout for security devices such as steering wheel lock, immobiliser, a tracking device or car alarm then you could recoup what you have to payout through the savings you would make on the insurance year after year. Parking your car in a garage as opposed to leaving it out on the street can also help you to make savings on the cost of your insurance.