Monthly Archives: November 2012

Compare prices and save on insurance for your restaurant

When it comes to buying insurance or renewing a policy to protect your restaurant there’s no better place than the internet to start your search for online brokers who are dependable, trustworthy and reliable. Whether you have a bistro, café, cocktail bar, hotel or public house insurance policies are available to buy online, if you need any clarification as to what you need to consider just get in touch with professional teams of advisers who have invaluable knowledge about everything connected to restaurant insurance.

Getting a quote couldn’t be easier, complete an online form you’ll find on restaurant insurance websites leaving the relevant details and information about the restaurant itself, you won’t have long to wait for a price and what the policy will cover, it’s as simple as that.

What’s covered?

Typical items that are covered when you get a restaurant insurance quote from are:-

1)    Loss of earnings if you are unable to run your restaurant due to fire, flooding or vandalism

2)    Goods in transit

3)    Loss of licence if you have one

4)    Legal expenses

5)    Theft of money from the premises

6)    Employer’s liability

Bearing the above in mind if you need help or more information about any subject relating to restaurant insurance get in touch with brokers who can put your mind at ease and explain in easy-to-understand terms what each topic actually means.

Freezer contents can also be insured, imagine the cost if refrigerators broke down and the food inside was ruined and unable to be used, with this cover at least you have one thing less to worry about.

Ask for comparisons

Online brokers have the ability and know-how to compare prices of restaurant insurance using their database of some of the UK’s most well-known insurance companies, this is a good way for you to benefit from the cheapest policy, however do remember cheap isn’t always necessarily the best. For this reason it’s crucial to read the small print contained on the policy documents to ensure you have sufficient cover for absolutely everything inside your restaurant including yourself and of course your staff.

It’s often quite amazing how prices compare from broker to broker, long-established insurers have the knowledge and expertise to separate the wheat from the chaff and in turn pass on to their clients savings along with the best restaurant insurance around.


If your property has been underpinned buy the correct insurance

Recently a block of flats in Glasgow had to be evacuated due to fears that the building was subsiding, residents were moved from their four-storey tenement properties to a safe location while experts surveyed the scene.  Apparently the alert was raised after a number of people experienced the building moving which began to create panic among many residents, naturally a full investigation is underway to find out the root of the problem.  Subsidence which results in properties having to be underpinned can be caused by a number of reasons such as:-

  • water evaporation from underground which can cause earth movement
  • trees or plants too close to buildings that have extended root systems
  • leaking water pumps, sewers and drains
  • inadequate foundation structures
  • poor building designs
  • constant vibration caused by traffic or machinery

Get help and quotes now

If your property suffers from subsidence then you need to buy subsidence insurance as soon as possible, if the situation gets worse and you decide to make a claim standard home insurance will almost certainly be insufficient and your claim deemed invalid.  Request an online quotation for underpinned home insurance from experienced brokers who can also provide you with the help you need to put your mind at ease regarding subsidence issues.  Once you’ve completed an online form an insurance expert can offer you a no-obligation quote and a suitable level of cover, it doesn’t matter if you’ve been refused  insurance elsewhere brokers will consider your application even if:-

  1. you live in an subsidence area
  2. your property already suffers from subsidence and has been underpinned
  3. you have made a claim in the past on a underpinned home insurance policy

What brokers need to know

Naturally before considering your application for underpinned home insurance brokers will require details of your circumstances and property in order to use their expertise to find you the best deal and the right policy.  You may have to pay more for your policy than before due to the specialist nature of underpinned home insurance, however it provides peace of mind knowing that you are well insured.  It’s worth pointing out if you have a mortgage on your property it needs to be properly insured, your mortgage lender will want to ensure that you have a high level of underpinned home insurance especially if your home has subsidence problems.

Types of Liability Cover You Should Include On Your Shop Insurance Policy

If you own a shop, you may be required by law to have sufficient liability insurance.  Most commonly you will be required to have public liability insurance, but there are other types of protection that are advisable, particularly if the public, customers or clients visit your premises.

Keep reading to learn more about the three types of liability insurance that you should include on your shop insurance policy.

Public Liability Insurance

Public liability insurance is designed to protect you against claims made by members of the public who have suffered injury or damage to property in connection with your business. If a member of the public is injured on your property you may be held responsible. For example, a customer might slip on your wet shop floor.

Public liability insurance is designed to pay compensation to the claimant.  This may include loss of earnings, future loss of earnings and damages in addition to your legal costs in defending the claim.  It will also cover the claimants’ legal costs that you will have to pay if you are found to be at fault.

Public liability claims are often made as a result of an accident at your business premises.  However, claims can also be made outside of this space – for example when you are on a sales visit. Some customers or clients may also require you to present proof of public liability insurance before they work with you.

You will normally find that public liability cover will be for a minimum of £2 million.  In some cases it can be higher depending on the nature of your business.

Products Liability Insurance

Products liability insurance cover protects you against injury to your customers and damage to their property as a result of a product you sell or supply.

People injured by defective products may have the right to sue for damages.  For example, a products claim might arise if you run a grocers shop and accidentally cause food poisoning by selling out of date products.  You could be found responsible and have to compensate your customer.

Property Owners Liability Insurance

If you own your shop premises, this cover might be important.  Property owners liability insurance covers you against injury or damage suffered by a third party whilst visiting the property you own. An example of an incident where a Property Owners claim might arise is where a postman trips and falls on a broken step whilst at your property.

About the Author

Shop provide an online shop insurance comparison service – visit and save!



Why you might want excess car insurance

Just like many a motorist, you may diligently compare insurance quotes each year to ensure that the price you are paying remains competitive. There may be one aspect of any motor policy, however, that goes largely unnoticed – the excess.

A reappraisal of the excess you accept – and pay in the event of a claim – may have a significant bearing on the overall cost of your motor insurance:

  • a typical motor policy is likely to incorporate a so-called compulsory excess – you are required to accept that you foot the bill for the first part of any claim, up to the amount of the amount agreed;
  • essentially, this represents your share of the risk against loss or damage to the car – if your insurer agrees to settle any claim you may make, this is the amount that you are required to contribute;
  • because that amount may assume quite significant proportions, you may want to consider putting in place an entirely separate, supplementary, but standalone insurance against your liability for any such excess;
  • this kind of top-up cover is readily available from specialist providers and operates in an eminently straight forward fashion – in the event of a claim on your motor insurance, you simply pay the required excess, but immediately seek compensation of that amount from the excess insurance provider;
  • cover against any compulsory excess, however, is not the only benefit of this type of insurance;
  • when conducting your review of the cost of motor insurance, you are likely to have taken into account the discounts invariably available if you agree to an additional, “voluntary” access – that is, if you agree to accept a greater share of the risk in protecting your vehicle against loss or damage;
  • in return for such an agreement, your insurer typically offers significantly reduced premiums – your share of the risk is increased and the maximum liability of the insurer is correspondingly reduced;
  • if you have taken the precaution of arranging a separate excess car insurance policy, therefore, you may feel entirely confident in agreeing to take on such an increased voluntary excess – not only to secure reduced premiums on the underlying cover, but also secure in the knowledge that any level of excess is already safely covered.

By insuring your exposure to an increased excess in this way, therefore, you may enjoy not only the freedom from needing to foot the bill for your contribution to the settlement of any claim but also reap the rewards of lower premiums for your motor insurance.

Using your static caravan? make sure you have the correct insurance

There are two main types of caravan owners. Those who like to explore the country by using their caravan as a means of accommodation. Then there are those who like to keep their caravan in one place and used it as a holiday home for part of the year. It makes sense then that there are two main types of caravan insurance to suit these types of caravan owners. In this article I will focus on the type of insurance for those who keep their caravan in one place – static caravan insurance. I will tell you how to go about getting quotes and how you can save money on your policy.

There are certain risks that are significantly higher when dealing with a static caravan when compared to a touring caravan so a good policy will take this into account. For example a static caravan is at much greater risk of being broken into, largely due to the fact that it’s left unattended for large periods of time. Something else to bear in mind is that if you choose to rent out your caravan during certain times of the year then you must provide the tenants with alternative accommodation should it become uninhabitable. This is usually caused by damage from the elements such as fires and broken water pipes caused by freezing.

Cover for content theft is something that’s also very important when taking out a static caravan policy. Many families now bring expensive items with them on holiday such as laptops and mobile phones. These can cost in excess of £500 each so it can be a big risk to leave them unattended in a caravan. Cutting down risk is always preferable to having to make a claim so you should take every precaution possible.

Getting Quotes

The key to getting a good static caravan insurance policy is to decide on what you need cover for and how much cover you need. With a static caravan the biggest risks are usually going to be theft, vandalism and structural damage. The amount of risk your caravan is at from structural damage will depend on the area its situated and how well built it is. It is up to you to assess how much risk your caravan is at and therefore and what cover you need.

When you decide upon these things you can then go about getting in touch with insurance companies to get quotes. You should do as much research as possible and get multiple quotes so that you can compare them for prices and features. Getting quotes online is very simple. It’s usually a case of filling in some personal information as well as information about your caravan and what it’s used for.

Find a personal trainer in Tunbridge Wells

If you live in Tunbridge Wells or close by and desperately need motivation in becoming fit and active you can’t possibly go wrong by choosing an experienced, fully qualified fitness trainer who has over ten years of experience in a sporting background. Spending time in a gym weight lifting, lifting kettlebells, running on a treadmill, doing sit ups and cycling is all you need to change the way you look and feel, you’ll soon be on your way to an exercise regime that’s enjoyable as well as being provided with the help of a first class personal trainer.


A Tunbridge Wells based personal trainer can also help you with any nutrition problems you may be experiencing while being knowledgeable about healthy recipes which he can pass on to clients in order for them to eat sensibly to remain focussed on a fantastic keep fit programme. Personal trainers have helped people from all walks of life to change their eating habits for the better along with having the necessary qualifications to encourage couch potatoes to get up and change the way they live, some of these qualifications are as follows:-


  • REPS Levels 2 and 3 for personal training and fitness instructors
  • Cross fit coaching
  • Olympic weightlifting
  • Advanced nutrition
  • Advanced core stability
  • Advanced Russian kettlebell instruction
  • Weight management, postural assessment
  • First aid


The first step


Taking the first step in becoming fit and active is often quite daunting for those people who have never exercised before or been in a gym, for this reason personal training experts offer the opportunity to train in your own home. This means you feel comfortable in your own surroundings while at the same time learning all about exercise, fitness regimes and nutrition, why not complete an online form to receive a free seven day fitness plan or an interesting newsletter? Both give you the opportunity to start off at your own pace and read about the special offers and discounts available when you use professional personal trainers, there’s also a price list online where you can take part in:-


  1. Single sessions
  2. Group sessions which will cut the cost
  3. 10 sessions per week where you have to commit to attend at least two or more
  4. Online training sessions


Get fit, be active and improve your lifestyle now!