Call 01543 37 37 00
Home > FAQs

FAQs

 

Business Insurance
HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. What is the definition of buildings?

    A. Buildings (optional): Covers the buildings of the premises, outbuildings, landlord's
    fixtures &fittings tenants improvements for the insured perils.

    Q. What is money cover?

    A. Business Money & Personal Accident (Assault):

    Covers Business cash:

    • On the premises during working hours
    • In a safe at the premises
    • In a bank night safe, or
    • At the home of an authorises employee(subject to the limits of the policy)

    Personal Accident (Assault) provides a monetary benefit in the event that a member of staff is attacked/injured in the course of robbery/attempted robbery.

    Q. Is there any glass cover?

    A. Glass Breakage:

    Covers damage to glass & sanitary fittings the client is responsible for at the premises

    Q. What is "transit" cover?

    A. Contents/Goods in Transit:

    Covers damage to contents from the time they are lifted by you/your staff until they are placed at their destination including loading, unloading & temporary housing.

    Q. What does liability insurance cover?

    A. Business Liability ( this is split into 2 sections)

    • Sub-Section A: Employers Liability.
      Covers Legal Liability for bodily injury to employees usually up to a £10m limit of indemnity
    • Sub Section B: Public & Products Liability
      Covers legal liability for death or bodily injury to third parties and damage to their property
    • Indemnity limits for up to £5m are available

    Q. Is there any cover for loss of trading ?

    Business interruption:

    Cover for loss of gross income as a result of loss or damage at the property

    Accounts Receivable:

    Covers the costs involved in tracing and establishing how much your customers owe you and the amount of unpaid debts which cannot be traced, because the accounting records are damaged due to fire/flood etc.

    Q. Can I cover my equipment away from my business premises?

    A. All Risks on Specified Equipment:

    Covers specified items away from the premises within Great Britain, Northern Ireland,The Channel Islands and The Isle of Man.

    Q. Is there any cover for mechanical breakdown?

    A. Equipment Breakdown:

    Covers the mechanical breakdown of equipment including computers.

    Some other points to consider:

    A. Theft risk

    • Is the minimum standard of security met?
    • Is there an intruder alarm fitted, and if so what type & method of signalling?
    • What is the level of police response?
    • What additional precautions are taken to protect computer equipment (lock down plates Etc)?
    • How much cash is there on the premises or in transit at any one time?

    Business interruption cove:

    • What is your annuall gross fee income?
    • How succeptible is the business to a loss of this nature?
    • Would you be able to trade from alternative premises?
    • Do you have a disaster recovery plan?
    • If so, has it recently been tested?
  • Van Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    If you drive a van that transports goods or passengers, then you'll probably need comprehensive commercial van insurance.

    We know that finding the right level of cover isn’t always easy so read on for some answers to the most common questions.

    Q. What if I don’t have van insurance?

    A. Van insurance is a legal requirement in order to protect you and other road users in
    the event of an accident. If you don’t currently have a valid insurance policy for your
    van then at the very least you could be fined and receive penalty points on your
    licence. At worst, you could be banned from driving, which would have a huge
    impact on the viability of your business and your future income.

    Q. What extras should I look for when insuring my van?

    A. The nature of commercial business varies greatly and what may be appropriate for
    one van driver, may not quite suit another. Consider whether the following extra
    features match your circumstances:

    • Tools insurance to cover tools of your trade or goods and materials carried in your van
    • Legal assistance to cover court costs and damages should the worst happen
    • Breakdown cover
    • Protected no-claims discount
    • European cover, if your work takes you abroad

    Q. How can I save money on my van insurance?

    • Think about what you need and don’t pay for extra cover that you’ll never use. If don’t plan to travel outside of the UK, don’t get a policy that automatically covers you for European driving.
    • Increasing your excess could save pounds on your premium.
    • Make sure your vehicle is fitted with an alarm and immobiliser. If you have an approved tracking device fitted, this may also reduce the price of your premiums.
    • Declare any no claims discount you’ve accrued; if you’ve driven company or commercial vehicles before then your no claims history will count.
    • When the time comes to replace or upgrade your van, or if you’re looking to purchase your first commercial vehicle, choose one with a lower engine size, weight class and market value for the cheapest premiums.
  • Motor Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. Whose name should a car insurance policy go in?

    • The insurance should be in the name of the owner or the main user of the car. If the main user of the car is not the policyholder, they must be the legally married
      spouse/civil partner named on the policy. If any other driver is the main userwe will
      not be able to offer a quotation.
    • If the car is insured already you cannot insure it again. A car cannot be the subject of more than one insurance policy.
    • If the car is not owned by you or registered in your name you will need to tell us.

    Q. I don’t have the registration number yet, can I still get a quote?

    A. Yes, providing you have the car’s make, model, engine size and year of manufacture.
    We have a list of cars based on their details for you to choose from, however, if you
    want to purchase the insurance you will need to provide us with the registration
    number.

    Q. Can I get immediate cover?

    A. Yes, providing you have given us all the information we asked for during the quote –
    including the registration number of the vehicle and you have the means to pay
    for the policy online.

    We accept most credit or debit cards and if you choose to pay monthly we would need your direct debit details. This is subject to our normal terms and conditions.

    Q. What cover should I choose?

    • Comprehensive will cover you against damage to your car as a result of accident, fire or theft as well as cover for windscreen damage. You are also covered for third party damage if you have an accident. Comprehensive cover includes other items such as personal accident, injury, death of policyholder, medical expenses, personal effects and in-car entertainment.
    • Third party fire and theft will cover damage to your car as a result of fire or theft and covers for third party damage if you have an accident.
    • Third Party only will cover damage to a third party if you have an accident.

    Q. I have had previous claims or convictions, do I need to declare them?

    A. Yes, you will need to declare the full details of all incidents, including dates,
    circumstances and costs. You will need to declare full details of all convictions within
    5 years and disqualifications within the last 10 years (including pending offences and
    fixed penalty notices).

    Q. What is no claims bonus?

    A. For every claim free year you have had insurance in your own name your insurance
    provider will confirm a year’s no claims.

    This no claims bonus can be transferred to your new insurer when you decide to leave your current provider as long as you have no outstanding issues with them.

    You have to complete the full year with your provider to obtain a year’s no claims bonus.

    This accrued bonus can be used to get you discount of up to 75%.

    Q. Can I protect my no claims bonus?

    A. If you have earned four or more years no claims bonus we may be able to offer you
    No Claims Bonus Protection. If you select this benefit your no claims bonus will not be
    affected provided you do not make more than the permitted number of claims.
    Terms and conditions will apply.

    Q. What is a modification?

    • A modification is any change to the vehicle which means that it differs from its original manufacture, e.g. the addition of alloy wheels or engine changes. Modifications can affect a cars appearance or performance and may not be acceptable to all insurers. You will need to tell us about any changes to the cars specification and in some cases we may need to discuss this with you.
    • If you do not tell us about your modifications, this could affect your policy. This could mean that you will not be covered in the event of a claim or that your insurer may withdraw cover.

    Q. I am not sure if how I use my car is classed as business use?

    A. Your policy will cover you to use your car for social, domestic and pleasure purposes.
    If you need to use your car to travel to a permanent place of work or study,
    this is commuting.

    If you need to use your car in connection with your job for example to attend occasional meetings, you will need to be covered for business use as well.

    Payment.

    Q. How can I pay for my insurance?

    • You can pay for your insurance all in one go with a credit or debit card.
    • You can pay for your insurance monthly by paying a deposit with a credit or debit card and the balance by direct debit.
    • You can choose to pay for your insurance by paying a deposit with any credit or debit card and the balance by credit or debit card within 28 days.
  • Motorcycle Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. How many motorcycles can I have on my insurance policy?

    A. Unlike many of our competitors, we allow you to insure up to four motorcycles on the same policy - we can even offer multi-rider / multi-bike policies.

    Q. Why isn't my motorcycle listed in your quote engine?

    A. Although we constantly update our motorcycle tables, unfortunately models do occasionally get missed. Please call 01543 373700 and we will be happy to help.

    Q. Am I insured to ride my motorcycle abroad?

    A. Most ofl our policies automatically cover you to ride in any European Union (EU) country for between 30 & 90 days (please refer to your policy documents).

    This will give you the same level of cover you enjoy in the UK excepting riding other motorcycles. For the sake of clarity - you will not be covered to ride other motorcycles abroad even if your policy allows you to in the UK.

    Please Note - if you intend to ride outside the EU you will require a green card.

    We also offer European Breakdown cover - this includes breakdown cover, emergency services and other additional benefits whilst travelling abroad.

    To extend your motorcycle insurance cover or for further information please call 01543 373700

    Q. Do I need 'Business Use' to commute?

    A. No - as long as you ride to and from the same place of work and your policy covers you for commuting.

    Business Use allows you to visit any other business sites during the working day; but does not cover any goods or samples carried in connection, e.g. courier or delivery services.

    If you tell us you are a motorcycle courier / delivery rider our insurance engine will automatically extend your policy to cover you.

    Always check your motorcycle insurance policy documents to make sure you have the right level of cover. If you are in any doubt please call us on 01543 373700

    Q.Can I pay for my motorcycle insurance by instalments?

    A. Yes - we offer flexible monthly instalment schemes (our usual terms and conditions apply).

    Q. Are my helmet and leathers covered?

    A. Unfortunately we are unable to cover your protective clothing and motorcycle helmet although your household insurance policy usually does cover these items.

    Q. . Which security devices will reduce my motorcycle insurance premium?

    This is a tricky one - all approved motorcycle security (locks, alarms, immobilisers and tracking devices), should reduce your motorcycle insurance premium - but the keyword is approved!

    If it's Thatcham approved or SoldSecure then you should be eligible for a discount.

    Q. Do I need to disclose car accidents when getting a motorcycle insurance quote?

    Another tricky one - some insurers ignore them others don't. It is always best to disclose them and let our motorcycle insurance engine decide if they are applicable.

    Motoring convictions are another matter and must always be disclosed.

  • H.G.V Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. What types of vehicle can I cover under an HGV insurance policy?

    A. We offer cover for all vehicles between 7.5 and 44 tonnes, with the exception
    of plant and agricultural vehicles.

    Q. Will my policy restrict what I can use my lorry for?

    A. All policies carry exclusions, but generally, provided you have told us beforehand
    what you intend to use your vehicle for, we can arrange a suitable policy.

    Q. Can I take my truck into Europe?

    A. Of course. We understand that many hauliers need to make regular trips into Europe.
    We can offer a choice of annual European cover for those making regular trips,
    or temporary cover for one-off journeys.

    Q. What types of goods will my policy allow me to carry?

    A. As with all classes of insurance, we can usually arrange cover for all types of goods
    provided you tell us what you intend to carry. Typically, HGV insurance policies will
    allow the carriage of group age but exclude theft-attractive or hazardous goods.

    Q. Can I transfer my No Claims Bonus from another insurer?

    A. Provided your No Claims Bonus was earned on a vehicle of similar type and size,
    we will accept a transfer and allow the equivalent level of discount. The policy from
    which the No Claims Bonus is being transferred must have been with a UK insurer
    and have expired within the last two years.

    Q. Will I get a like-for-like replacement vehicle in the event of an accident?

    A. Typically, most HGV insurance policies will not provide a replacement vehicle.
    However, we are able to offer separate cover for such eventualities to run
    concurrently with your vehicle policy.

    Q. What other policies will I need in addition to HGV insurance?

    A. The only insurance you will need to satisfy current legislation is motor insurance and
    Employer's Liability insurance if you employ anybody. However, it may be that you
    will need additional cover, such as goods in transit or public liability, to comply with
    the terms of your contract. We're able to tailor a package to suit your needs.

  • Restaurants Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. What does Pub Insurance Cover?

    A. A T.M.I pub insurance quote can be tailored specifically to meet your business needs.
    Below are just some of the cover types that could be included within your public
    house insurance policy:

    Buildings and contents cover

    If you own or are responsible for insuring your premises, buildings insurance will cover you if your building is damaged as a result of fire, flood, theft or other such risks.

    In addition to buildings cover, you could also include contents insurance with your pub insurance policy, this covers you if your stock or contents are stolen or damaged.

    Public liability cover

    Public liability insurance should be essential cover for any pub as it will most definitely come into regular contact with members of the public. If a member of the public was to incur injury at your pub or as a result of its operations then public liability would cover you in the event of a claim being made.

    Employers’ liability cover

    If you have employees working for you, you are legally required to have employers’ liability insurance. Every business in the UK that employs staff is required to have at least £5 million of employers’ liability cover in place. If a bar worker was to trip over while carrying empty glasses and break their leg, or sustain a similar type of injury in the workplace, employers’ liability would cover your business against possible legal action.

    Q. What is included in a T.M.I Pub Insurance Quote?

    A. A typical Pub insurance quote will include the following:

    • Pub insurance
    • Essential protection for your public house, wine bar or cocktail bar.
    • Liability insurance
    • Public liability cover of up to £2 million.
    • Money cover
    • We include this as standard with our public house policies.
    • Employers liability
    • We provide automatic cover of £10 million.
    • Glass cover
    • We include this as standard.
    • Personal assaults in work hours
    • Now included at no extra cost.

    Optional extras include:

    • Loss of alcohol licence protection
    • Goods in transit insurance
    • Legal cover
    • Business interruption protection
  • Landlords Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. What does Landlord Insurance Cover?

    A. Landlord Insurance -Renting out your property can be a great source of income but it
    can also be a stressful and risky project to undertake. Whether you are setting up
    a buy to let mortgage or renting out your own home you need to protect
    yourself against all eventualities.

    There are 4 main aspects to landlords insurance:

    Contents Insurance

    If you are renting out a furnished property you will want to protect your contents against damage or loss. If the property was subject to fire or flood all contents may need to be replaced and without the correct cover this can be very expensive. If your property is unfurnished you may still want to protect your carpets and against the cost of redecorating.

    Buildings Cover

    The building is the most valuable asset in a rental portfolio and therefore needs to be covered. This type of insurance will cover your property against fire, flood, explosion, smoke damage and even lightning. This will give you complete peace of mind against all eventualities.

    Loss of rent cover

    If just one of the problems listed above should arise this could cause the tenant to withhold rent. This knock on effect can be very costly to the landlord, that’s why we include loss of rent cover in all our landlord insurance policies.

    Liability insurance

    If your tenant should injure themselves in the property, you could be liable. An example of this could be if a banister rail gave way and the tenant fell down the stairs, they could potentially make a claim against you as the property was not safe for habitation.

    As you can see there are numerous things that can go wrong whilst renting out a property. Hopefully everything will be fine but it’s essential you have the correct protection just in case. Call our advisors now (01543 373700) and we can help you get the best quote possible.

  • Pubs & Bars Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. What does Pub Insurance Cover?

    A. A T.M.I pub insurance quote can be tailored specifically to meet your business needs.
    Below are just some of the cover types that could be included within your public
    house insurance policy:

    Buildings and contents cover

    If you own or are responsible for insuring your premises, buildings insurance will cover you if your building is damaged as a result of fire, flood, theft or other such risks.

    In addition to buildings cover, you could also include contents insurance with your pub insurance policy, this covers you if your stock or contents are stolen or damaged.

    Public liability cover

    Public liability insurance should be essential cover for any pub as it will most definitely come into regular contact with members of the public. If a member of the public was to incur injury at your pub or as a result of its operations then public liability would cover you in the event of a claim being made.

    Employers’ liability cover

    If you have employees working for you, you are legally required to have employers’ liability insurance. Every business in the UK that employs staff is required to have at least £5 million of employers’ liability cover in place. If a bar worker was to trip over while carrying empty glasses and break their leg, or sustain a similar type of injury in the workplace, employers’ liability would cover your business against possible legal action.

    Q. What is included in a T.M.I Pub Insurance Quote?

    A. A typical Pub insurance quote will include the following:

    • Pub insurance
    • Essential protection for your public house, wine bar or cocktail bar.
    • Liability insurance
    • Public liability cover of up to £2 million.
    • Money cover
    • We include this as standard with our public house policies.
    • Employers liability
    • We provide automatic cover of £10 million.
    • Glass cover
    • We include this as standard.
    • Personal assaults in work hours
    • Now included at no extra cost.

    Optional extras include:

    • Loss of alcohol licence protection
    • Goods in transit insurance
    • Legal cover
    • Business interruption protection
  • Manufacturing/Liability Insurance

    Coming soon

    Office Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. What is the definition of buildings?

    A. Buildings (optional): Covers the buildings of the premises, outbuildings, landlord's
    fixtures &fittings tenants improvements for the insured perils.

    Q. What is money cover?

    A. Business Money & Personal Accident (Assault):

    Covers Business cash:

    • On the premises during working hours
    • In a safe at the premises
    • In a bank night safe, or
    • At the home of an authorises employee(subject to the limits of the policy)

    Personal Accident (Assault) provides a monetary benefit in the event that a member of staff is attacked/injured in the course of robbery/attempted robbery.

    Q. Is there any glass cover?

    A. Glass Breakage:

    Covers damage to glass & sanitary fittings the client is responsible for at the premises

    Q. What is "transit" cover?

    A. Contents/Goods in Transit:

    Covers damage to contents from the time they are lifted by you/your staff until they are placed at their destination including loading, unloading & temporary housing.

    Q. What does liability insurance cover?

    A. Business Liability ( this is split into 2 sections)

    • Sub-Section A: Employers Liability.
      Covers Legal Liability for bodily injury to employees usually up to a £10m limit of indemnity
    • Sub Section B: Public & Products Liability
      Covers legal liability for death or bodily injury to third parties and damage to their property
    • Indemnity limits for up to £5m are available

    Q. Is there any cover for loss of trading ?

    Business interruption:

    Cover for loss of gross income as a result of loss or damage at the property

    Accounts Receivable:

    Covers the costs involved in tracing and establishing how much your customers owe you and the amount of unpaid debts which cannot be traced, because the accounting records are damaged due to fire/flood etc.

    Q. Can I cover my equipment away from my business premises?

    A. All Risks on Specified Equipment:

    Covers specified items away from the premises within Great Britain, Northern Ireland,The Channel Islands and The Isle of Man.

    Q. Is there any cover for mechanical breakdown?

    A. Equipment Breakdown:

    Covers the mechanical breakdown of equipment including computers.

    Some other points to consider:

    A. Theft risk

    • Is the minimum standard of security met?
    • Is there an intruder alarm fitted, and if so what type & method of signalling?
    • What is the level of police response?
    • What additional precautions are taken to protect computer equipment (lock down plates Etc)?
    • How much cash is there on the premises or in transit at any one time?

    Business interruption cove:

    • What is your annuall gross fee income?
    • How succeptible is the business to a loss of this nature?
    • Would you be able to trade from alternative premises?
    • Do you have a disaster recovery plan?
    • If so, has it recently been tested?
  • Tradesman Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. Why do i need public liability insurance?

    A. Public liability insurance policies are designed to provide businesses with confidence as
    they carry out their business activities.

    If your business comes into contact with members of the public, public liability insurance is most definitely something that you should consider.

    This type of policy is designed to financially safeguard your business from any claims made by clients or members of the public who suffer an injury or damage to their property as a direct result of your business operations.

    Public liability insurance is not a legal requirement but it is vital that you know just how beneficial it can be.

    If a member of the public were to make a claim against you because your business operations had caused damage to them or their belongings or property, the cost of the claim could escalate to tens of thousands of pounds or more. Could you afford to pay damages as well as pay any compensation and court costs?

    We understand that accidents can happen at any time no matter how careful you may be. Minimise the risk by implementing safety measures and procedures whilst protecting your business with the correct insurance.

    Public liability insurance can cover the following types of claims:

    • A member of the public suffered a head injury because a window cleaner’s bucket had fallen off his/her ladder directly onto their head.
    • The bonnet of a car was damaged after a window cleaners bucket had fallen off their ladder. Public liability insurance would cover the cost of third party damage.
    • A member of the public becomes ill or dies because a window cleaner had put cleaning products into a glass which was then drunk in error causing poisoning.

    Don’t get caught out. It may be an optional purchase but what does a one-off payment cost compared to hefty claim charges.

    Get a public liability insurance quote now to cover your business.

    Q. What does public liability insurance cover?

    A. Public liability insurance is a simple policy that provides businesses with piece of mind
    that they are adequately covered for most circumstances.

    Public liability insurance is a way of financially protecting your business from any claims made against you by the public. It’s not every day a member of the public will make a claim against your business, but one single claim can be severely damaging if you fail to purchase public liability insurance.

    Despite being extra careful with following the rules and regulations, accidents do happen, and in many cases your business can be blamed.

    If your business operations were to injure a member of the public, expose them to an illness/disease or damage their belongings in any way, it is extremely likely that they will pursue legal action. During this unfortunate incident, public liability insurance would be most beneficial for your business in order to stay afloat & protect your assets.

    It is not a legal obligation to hold a public liability insurance policy; However for many industries it will certainly be advised, especially the construction and retail sectors.

    Examples of incidents likely to result in a public liability claim:

    • A member of the public incurs injury on an unattended construction site. The business would be at fault for failing to ensure the site was securely shut off from the public.
    • Whilst painting at a private property, ladders fall over and break a dining chair belonging to the owners of the property. The business would be sued for damage of property.
    • Removing tiles off the roof of a building without any protection around the edge. A tile slips and hits a member of the public. A claim would be made for neglect causing injury.
    • A plumber has wrongly fitted a pipe in the bathrom of a private property which floods the house. The tenant would claim in order to replace their damaged property.
    • Whilst fixing the electrics of an office, one of their employees falls over a wire that was left on the floor. The electrician hired would be at fault for failing to work safely.
    • Tools are left on the floor of a construction site and a member of the public trips over them as they walk past. A claim would be pursued for failing to ensure health and safety is in order at such a dangerous environment.
    • A customer falls ill with food poisoning directly resulted to the fish served at a restaurant which was found to be improperly stored. The business would be at fault for failing to abide by food hygiene standards.
  • Wholesalers Insurance

    Coming soon

    Shops / Retail Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. What is the definition of buildings?

    A. Buildings (optional): Covers the buildings of the premises, outbuildings, landlord's
    fixtures &fittings tenants improvements for the insured perils.

    Q. What is money cover?

    A. Business Money & Personal Accident (Assault):

    Covers Business cash:

    • On the premises during working hours
    • In a safe at the premises
    • In a bank night safe, or
    • At the home of an authorises employee(subject to the limits of the policy)

    Personal Accident (Assault) provides a monetary benefit in the event that a member of staff is attacked/injured in the course of robbery/attempted robbery.

    Q. Is there any glass cover?

    A. Glass Breakage:

    Covers damage to glass & sanitary fittings the client is responsible for at the premises

    Q. What is "transit" cover?

    A. Contents/Goods in Transit:

    Covers damage to contents from the time they are lifted by you/your staff until they are placed at their destination including loading, unloading & temporary housing.

    Q. What does liability insurance cover?

    A. Business Liability ( this is split into 2 sections)

    • Sub-Section A: Employers Liability.
      Covers Legal Liability for bodily injury to employees usually up to a £10m limit of indemnity
    • Sub Section B: Public & Products Liability
      Covers legal liability for death or bodily injury to third parties and damage to their property
    • Indemnity limits for up to £5m are available

    Q. Is there any cover for loss of trading ?

    Business interruption:

    Cover for loss of gross income as a result of loss or damage at the property

    Accounts Receivable:

    Covers the costs involved in tracing and establishing how much your customers owe you and the amount of unpaid debts which cannot be traced, because the accounting records are damaged due to fire/flood etc.

    Q. Can I cover my equipment away from my business premises?

    A. All Risks on Specified Equipment:

    Covers specified items away from the premises within Great Britain, Northern Ireland,The Channel Islands and The Isle of Man.

    Q. Is there any cover for mechanical breakdown?

    A. Equipment Breakdown:

    Covers the mechanical breakdown of equipment including computers.

    Some other points to consider:

    A. Theft risk

    • Is the minimum standard of security met?
    • Is there an intruder alarm fitted, and if so what type & method of signalling?
    • What is the level of police response?
    • What additional precautions are taken to protect computer equipment (lock down plates Etc)?
    • How much cash is there on the premises or in transit at any one time?

    Business interruption cove:

    • What is your annuall gross fee income?
    • How succeptible is the business to a loss of this nature?
    • Would you be able to trade from alternative premises?
    • Do you have a disaster recovery plan?
    • If so, has it recently been tested?
  • Public liability Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. Why do i need public liability insurance?

    A. Public liability insurance policies are designed to provide businesses with confidence as
    they carry out their business activities.

    If your business comes into contact with members of the public, public liability insurance is most definitely something that you should consider.

    This type of policy is designed to financially safeguard your business from any claims made by clients or members of the public who suffer an injury or damage to their property as a direct result of your business operations.

    Public liability insurance is not a legal requirement but it is vital that you know just how beneficial it can be.

    If a member of the public were to make a claim against you because your business operations had caused damage to them or their belongings or property, the cost of the claim could escalate to tens of thousands of pounds or more. Could you afford to pay damages as well as pay any compensation and court costs?

    We understand that accidents can happen at any time no matter how careful you may be. Minimise the risk by implementing safety measures and procedures whilst protecting your business with the correct insurance.

    Public liability insurance can cover the following types of claims:

    • A member of the public suffered a head injury because a window cleaner’s bucket had fallen off his/her ladder directly onto their head.
    • The bonnet of a car was damaged after a window cleaners bucket had fallen off their ladder. Public liability insurance would cover the cost of third party damage.
    • A member of the public becomes ill or dies because a window cleaner had put cleaning products into a glass which was then drunk in error causing poisoning.

    Don’t get caught out. It may be an optional purchase but what does a one-off payment cost compared to hefty claim charges.

    Get a public liability insurance quote now to cover your business.

    Q. What does public liability insurance cover?

    A. Public liability insurance is a simple policy that provides businesses with piece of mind
    that they are adequately covered for most circumstances.

    Public liability insurance is a way of financially protecting your business from any claims made against you by the public. It’s not every day a member of the public will make a claim against your business, but one single claim can be severely damaging if you fail to purchase public liability insurance.

    Despite being extra careful with following the rules and regulations, accidents do happen, and in many cases your business can be blamed.

    If your business operations were to injure a member of the public, expose them to an illness/disease or damage their belongings in any way, it is extremely likely that they will pursue legal action. During this unfortunate incident, public liability insurance would be most beneficial for your business in order to stay afloat & protect your assets.

    It is not a legal obligation to hold a public liability insurance policy; However for many industries it will certainly be advised, especially the construction and retail sectors.

    Examples of incidents likely to result in a public liability claim:

    • A member of the public incurs injury on an unattended construction site. The business would be at fault for failing to ensure the site was securely shut off from the public.
    • Whilst painting at a private property, ladders fall over and break a dining chair belonging to the owners of the property. The business would be sued for damage of property.
    • Removing tiles off the roof of a building without any protection around the edge. A tile slips and hits a member of the public. A claim would be made for neglect causing injury.
    • A plumber has wrongly fitted a pipe in the bathrom of a private property which floods the house. The tenant would claim in order to replace their damaged property.
    • Whilst fixing the electrics of an office, one of their employees falls over a wire that was left on the floor. The electrician hired would be at fault for failing to work safely.
    • Tools are left on the floor of a construction site and a member of the public trips over them as they walk past. A claim would be pursued for failing to ensure health and safety is in order at such a dangerous environment.
    • A customer falls ill with food poisoning directly resulted to the fish served at a restaurant which was found to be improperly stored. The business would be at fault for failing to abide by food hygiene standards.
  • Employers' liability Insurance

    Coming soon

    Fleet Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. Why do I need fleet insurance?

    A. A fleet insurance policy allows you to ensure that all of your vehicles are adequately
    insured under UK law. Covering all of your vehicles under a single policy can save you
    time and money.

    Q. How do I get a fleet insurance policy?

    A. Please contact one of our experienced fleet insurance advisors to discuss the fleet
    cover you need. Our dedicated account managers will discuss the cover you need for
    your fleet so we can provide the most competitive quote we can for your fleet.

    Q. How many vehicles can I insure with one fleet insurance policy?

    A. We specialise in fleet insurance, offering policies that can cover three or more
    commercial or private vehicles. Our dedicated and vastly experienced team of
    advisers will give you friendly, personal service and professional advice.

    Q. What vehicle use is acceptable within fleet insurance policies?

    A. We can consider almost any vehicle to use within your fleet insurance policy. These
    fleet insurance policies can either be single or multi vehicle types and based
    anywhere in the UK.

    Q. Can I insure car fleet insurance and van fleet insurance on the same policy?

    A. A huge benefit of a motor fleet insurance policy is that different types of vehicle can
    be placed on the same policy. We have many facilities for all types of vehicles to
    include Car Fleet Insurance, Lorry Fleet Insurance, HGV Fleet insurance, Van Fleet
    Insurance, Taxi Fleet Insurance, Haulage Fleet Insurance, Tipper Fleet Insurance and
    Courier Fleet Insurance.

    We can provide mixtures of each of the above fleet insurance types.

    Q. What types of cover can I get for my fleet insurance quote?

    A. UK fleet insurance follows the same suit as all motor insurance and includes:

    • Comprehensive Fleet Insurance
    • Third Party Fire and Theft Fleet Insurance
    • Third Party Only Fleet Insurance

    Q. What additional features are available as part of a fleet insurance policy?

    A. We try to tailor our fleet insurance policies to your exact requirements. By determining
    exactly what you want in your fleet insurance policy, we are more likely to find you the
    cover that is complete for your needs and competitive too.

    Key benefits:

    • Free 24 Hour Claims Management Service
    • Free like for like vehicles in the event of non fault accidents

    Additional benefits include:

    • 24 hour claims assistance
    • Breakdown and recovery assistance
    • Detached trailer cover
    • Hazardous goods insurance
    • Introductory discounts
    • Medical expenses cover
    • No claims discounts
    • Personal effects cover
    • Replacement vehicles
    • Restricted driver discounts

    Q. What do I need to get a competitive fleet insurance renewal quote?

    A. If you already have a fleet insurance policy and it is due for renewal then you should
    have the details of your existing fleet insurance policy. You should have been
    provided this from your current fleet insurance broker or fleet insurance company.
    This is important in order for an alternative fleet insurance quote to be obtained.

    If you are requesting a quote for first time fleet insurance then ensure that you have as much driving written experience to provide Top Marques Insurance in the form of current car, van, lorry No Claims Discount or equivalent company driving experience.

    With our array of Insurance underwriters, our experienced fleet advisors will work hard to understand your needs and find the most competitive quote for you – ensuring it meets all your personal and business requirements.

    Q. Can I get an instant online fleet insurance quote?

    A. It is very difficult to provide an online fleet insurance quote due to the fact that no
    fleet insurance policy is the same and needs to be tailored to your personal or
    company requirements.

    We recommend that you call us for a fleet insurance quote on 01543 373700 and one of our fleet insurance experts will look into your fleet requirements and call you back with a competitive quote and discuss any policy features you require (break down cover, replacement vehicles etc).

    Q. Do you provide carriage of own goods insurance and goods in transit insurance?

    A. The vast majority of fleet insurance policies are held by businesses – either small
    businesses carrying their own goods or businesses transporting goods in transit.

    We provide comprehensive goods in transit insurance and carriage of own goods insurance.

    This can include haulage, plant hire, vehicle hire, building merchants, construction, wholesalers, retailers, medical professionals… the list is vast.

  • Prestige Motor Insurance
    HGV Insurance
  • New & Learner Driversfloat: left; margin-left: 20px;">

    Q. Whose name should a car insurance policy go in?

    • The insurance should be in the name of the owner or the main user of the car. If the main user of the car is not the policyholder, they must be the legally married
      spouse/civil partner named on the policy. If any other driver is the main userwe will
      not be able to offer a quotation.
    • If the car is insured already you cannot insure it again. A car cannot be the subject of more than one insurance policy.
    • If the car is not owned by you or registered in your name you will need to tell us.

    Q. I don’t have the registration number yet, can I still get a quote?

    A. Yes, providing you have the car’s make, model, engine size and year of manufacture.
    We have a list of cars based on their details for you to choose from, however, if you
    want to purchase the insurance you will need to provide us with the registration
    number.

    Q. Can I get immediate cover?

    A. Yes, providing you have given us all the information we asked for during the quote –
    including the registration number of the vehicle and you have the means to pay
    for the policy online.

    We accept most credit or debit cards and if you choose to pay monthly we would need your direct debit details. This is subject to our normal terms and conditions.

    Q. What cover should I choose?

    • Comprehensive will cover you against damage to your car as a result of accident, fire or theft as well as cover for windscreen damage. You are also covered for third party damage if you have an accident. Comprehensive cover includes other items such as personal accident, injury, death of policyholder, medical expenses, personal effects and in-car entertainment.
    • Third party fire and theft will cover damage to your car as a result of fire or theft and covers for third party damage if you have an accident.
    • Third Party only will cover damage to a third party if you have an accident.

    Q. I have had previous claims or convictions, do I need to declare them?

    A. Yes, you will need to declare the full details of all incidents, including dates,
    circumstances and costs. You will need to declare full details of all convictions within
    5 years and disqualifications within the last 10 years (including pending offences and
    fixed penalty notices).

    Q. What is no claims bonus?

    A. For every claim free year you have had insurance in your own name your insurance
    provider will confirm a year’s no claims.

    This no claims bonus can be transferred to your new insurer when you decide to leave your current provider as long as you have no outstanding issues with them.

    You have to complete the full year with your provider to obtain a year’s no claims bonus.

    This accrued bonus can be used to get you discount of up to 75%.

    Q. Can I protect my no claims bonus?

    A. If you have earned four or more years no claims bonus we may be able to offer you
    No Claims Bonus Protection. If you select this benefit your no claims bonus will not be
    affected provided you do not make more than the permitted number of claims.
    Terms and conditions will apply.

    Q. What is a modification?

    • A modification is any change to the vehicle which means that it differs from its original manufacture, e.g. the addition of alloy wheels or engine changes. Modifications can affect a cars appearance or performance and may not be acceptable to all insurers. You will need to tell us about any changes to the cars specification and in some cases we may need to discuss this with you.
    • If you do not tell us about your modifications, this could affect your policy. This could mean that you will not be covered in the event of a claim or that your insurer may withdraw cover.

    Q. I am not sure if how I use my car is classed as business use?

    A. Your policy will cover you to use your car for social, domestic and pleasure purposes.
    If you need to use your car to travel to a permanent place of work or study,
    this is commuting.

    If you need to use your car in connection with your job for example to attend occasional meetings, you will need to be covered for business use as well.

    Payment.

    Q. How can I pay for my insurance?

    • You can pay for your insurance all in one go with a credit or debit card.
    • You can pay for your insurance monthly by paying a deposit with a credit or debit card and the balance by direct debit.
    • You can choose to pay for your insurance by paying a deposit with any credit or debit card and the balance by credit or debit card within 28 days.
  • Taxi Insurance

    Coming soon

    Hair & Beauty Insurance

    Coming soon

    Gadget Insurance

    Coming soon

    Other Services

    Coming soon

    Request a call

    I agree with the terms & conditions

    Submit

    © Copyright , All Rights Reserved, Top Marques Insurance
    Top Marques Insurance trading style of Sportauto Limited
    Registered in England and Wales No: 2993405

    Site Developed by: Five Rivers | IT Support | Internet Marketing