Knowing the highly acclaimed Insurers can help your Cafe

May 16, 2012 Category :Cafe Insurance Cover Off

Cafe CoverThe annual UK Claims Excellence Awards recently took place, recognising the insurers who have delivered a fantastic claims service to their customers. As well as the usual well-established insurers being recognised, there were a few smaller companies in the mix too. Sterling picked up the Outstanding Insurer Claims Team of the Year; RSA collected two awards for Claims Technology Initiative of the Year and Insurer Customer Care Initiative of the Year; and Zurich won the Fraud Prevention Initiative of the Year. A full list of the winners can be found on the Insurance Times website.

So why is Claims Excellence so important?

Whatever assets you have, insuring them against damage or theft is the only way you can be sure that you will not suffer great financial losses if they are damaged or stolen. If you own a Cafe then you will need to protect yourself against numerous risk associated to this type of business. It is well advisable to take out cafe insurance cover for public and employers liability, as well as against damage to any items within the cafe such as furniture and equipment.

Most insurance companies will be able to offer what appears to be a detailed level of cover but the moment of truth is when you actually have to make a claim. If you have chosen the cheapest or quickest way to insure your cafe, you may regret your hasty decision. When you are in the unfortunate situation where you need submit a claim, you will find out exactly how good an insurance company you have selected.

There is a wide range of different types of claims that you may need to make but as an example, think about if your cafe was affected by flood or fire and seriously damaged. If you think about the full process of restoring the property to its previous state through extensive repairs, you need to know that you will be with a company that can provide you with an efficient and helpful claims service.

The UK Claims Excellence awards are not just for bragging rights, they indicate to the public the companies who are being recognised for being efficient and helpful. If you do find yourself in a position where you need to make a claim, you will be grateful that you carefully considered your insurance company.

Why Using Brokers Can Save You Money on Your Landlords Insurance

May 12, 2012 Category :Landlord Insurance Off

House For RentBrokers can compare landlords insurance and buy-to-let insurance from their high quality panel of UK insurance providers. All types of tenants are accepted for instance local authority, DSS, care and support tenants, as well as asylum seekers. Insurance brokers have a wealth of experience within the landlord insurance marketplace, their aim is to provide landlords with a choice of policies and levels of cover including competitive insurance premiums. You can benefit from their online services and expertise no matter how many properties you have to let.

For landlords with multiple to let properties many brokers offer great discounts on insurance policies and cover for:-

  • Accidental damage
  • Loss of rent
  • Metered gas and metered water
  • Unoccupied property
  • 24-hour landlord assistance
  • Commercial loss recovery
  • Trace and access

Landlords with multiple rental properties

Check out the rates that brokers offer landlords who have multiple rental properties, the more properties you have the bigger discounts you can receive. Experienced brokers will look after your needs and tailor-make quotations and suitable excess terms, they are equipped to turn around quotes in the shortest possible time whether you have residential or commercial tenanted properties. They have access to quality underwriters so can find competitively buy-to-let insurance for multiple property owners.

Getting a quote

To help with your landlord insurance quotation, have the necessary information on hand about:-

  • The property’s postcode
  • Tenant type
  • Rebuild value
  • Approximate year of purchase
  • Claims history
  • Contents value
  • Loss of rent value

Once you have provided this information you will receive a quotation online for landlords insurance within minutes and instant cover after a payment has been made. Brokers will also ask you what level of excess you’re comfortable with in respect of each rentable property you own, so make contact today to find out more.