Don't risk your livelihood - cover your business

As a small business insurance broker Motaquote understands that it can be a time-consuming process finding the right cover to suit you. However, by simply buying the cheapest small business insurance available you could be putting your company at risk.

This is why it's so important to make sure you fully understand what the policy covers - but that's why we're here.

We will spend time finding out about you and your business so that we understand what your requirements are. By understanding your business needs we can find the right policy for you from our panel of insurers. However, it's essential that the information you give about your company is 100% accurate to ensure that you have the correct type of business insurance at an amount adequate for your firm.

Our small business insurance team are a highly trained dedicated team who can offer invaluable advice. For instance - there may be things you may not have previously considered, such as what conditions you may need to abide by to ensure that you are covered if you need to make a claim. Fortunately our team are always happy to sit down and explain these to you in simple, no-nonsense terms. When taking out business insurance cover with Motaquote you can be sure that you have the right cover at the right price.

What happens if you're not covered?

Think about it like this - if a member of the public has an accident as a result of your company's negligence you could be held liable for any damages sustained. If you do not have some form of public liability insurance you could be putting yourself and your business at risk as you will need to pay out of company funds any legal costs and damages claimed.

Another example is building damages. If your office incurs damage as a result of a fire or flood then the costs facing you could be substantial if you haven't covered the building adequately.

By having some form of building and contents insurance you at least have the peace of mind that your work premises are covered should the building be damaged.

Find out more about Motaquote's small business insurance.

Liability Insurance Encouraged For Street Party Organisers

With the Queen's Diamond Jubilee and the Olympics coming up a street party may be on the cards for some of us.

However, the Association of British Insurers (ABI) have warned those who are planning to play host to a street party to ensure they have the right kind of liability insurance cover in place.

The ABI have forecast that thousands of events are likely to be held all across the UK over 2012 and have urged events organisers to consider the circumstances of the even before decidin on whether or not some form of public liability insurance will be necessary.

As a result the ABI have releaed a guide for planning an event. The guide outlines safety considerations and insurance requirements. The Director General for the ABI, Nick Starling commented:

"With communities across the country planning thousands of events this year, a few common sense precautions will help ensure that events are fun and safe. Our guide sets out the essential information that any event organiser needs to know, to ensure that celebrations planned are memorable for all the right reasons."

Organisers are strongly urged to ensure that they have adequate liability insurance in place. Should anything happen the organiser could be held liable.

Motaquote offers a specialist events insurance package that includes public liability, property cover and even event cancellation insurance.

Source: http://ccventures.co.uk/acquisitions/news_article.aspx?id=801332524&art=ABI:%20Street%20parties%20should%20be%20carefully%20planned

European Breakdown Cover with Motaquote

Motaquote isn't just about delivering great rates for car insurance - we can also offer terrific deals on breakdown cover.

Did you know that with Motaquote you can take out either UK breakdown or European Breakdown cover?

If you're currently booking your next holiday and looking to take a road trip with the family over to mainland Europe then breakdown cover is a must.

Think about it for just a minute - can you afford not to take out breakdown cover if you're driving around Europe? My guess is probably not.

A decent EU breakdown policy will include things such as roadside assistance & repairs, provide overnight accommodation if required, 24 hour vehicle hire and a number of other excellent benefits to help keep you on the road.

However, Motaquote goes a little further with it's breakdown cover and can even provide extra cover if you're towing a trailer or caravan as well as provide an emergency driver should the driver be taken ill or get injured whilst on the journey.

So our breakdown cover isn't just about getting your car going again - we offer so much more.

To find out how it works please visit our breakdown cover page or simply click Get A Quote and you can buy online today!

Small Business Confidence On The Up

It could be good news for Great Britain - a recent report suggests that with small business confidence on the increase we could see an improvement in employment rates.

Confidence amongst small business insurance policy holders is up, according to the Federation of Small Business (FSB), who have said that in spite of the increasing cost of overheads and issues gaining access to business finance small business confidence has bounced back from the all time low reported at the end of last year.

The report undertaken by the FSB shows that almost 50% of the 3,000 companies surveyed is expecting to see some form of growth over 2012.

Commenting on this John Walker, Chairman of the FSB, stated:

"It is a testament to the hard work and determination of the UK's small businesses that, in the face of rising costs and falling demand, they are still confident about the year ahead."

As business picks up over the next few months many small businesses could start looking to take on additional staff to help with work-loads.

Motaquote are dedicated to supporting small businesses around Wales and the UK. Motaquote guarantees to beat on shop insurance and office insurance.*

*Terms & Conditions Apply

Source: http://www.fsb.org.uk/News.aspx?loc=pressroom&rec=7655

Liability Insurance Reforms Called For

The Association of British Insurers (ABI) has called for a change to the way in which employers’ liability and public liability insurance claims are handled.

This request for change has come about as a result of overzealous interpretations of health and safety legislation which has hampered growth of the UK economy and harms small business expansion.

The ABI claims that the current legal system encourages people to make exaggerated and, in some cases, fraudulent claims – which are fuelled by “no-win-no-fee” claims management firms. They believe that this has left UK businesses with high and disproportionate legal costs – which they pay for through their employers’ liability and public liability insurance premiums.

The Director of General Insurance for the ABI, Nick Starling, has stated that insurance companies play a very important role in allowing and encouraging small business to grow without the burden of red tape and other issues.

Mr Starling added that the ABI "has long argued for reforms to make our legal system more efficient, tackle spurious claims and relieve the burden on UK business.”

Following this the Health and Safety Executive (HSE) have stated that a healthy balance between protective regulation for employees and giving firms sufficient leeway to perform their roles well needs to be struck.

Source: http://www.postonline.co.uk/post/news/2159394/abi-calls-reforms-free-businesses-uk-compensation-culture

More Than Just Any Old Home Insurance

Motaquote is an insurance broker with a difference... we like to offer our customers more than just a standard motor or home insurance package which is why we go the extra mile to give you more.

Did you know that our home insurance policies come with extras? Not only will we guarantee to beat your home insurance renewal quote by £20* - whether you go for our standard or platinum package but we will also chuck in a whole load of extras for free!

So what's so great?

What - other than us guaranteeing to beat your renewal quote by £20? Well Motaquote's home insurance also includes cover for legal expenses, identity theft protection, home emergency assist and we will even throw in student contents cover for your child's belongings whilst at University (up to £5,000).

But why do you need home insurance?

Think about it like this - you've just bought a new house or you've extended your existing one. Maybe you've even bought yourself a new expensive television or had a sparkly new kitchen installed. Whatever the case is you will undoubtedly want to make sure they're protected should anything happen - whether it's due to a flood, fire or burglary.

Home insurance really is a very straight-forward policy - you buy it to cover your house and it's contents. The last thing you want is to pay-out for expensive repairs should your house have a flood or fire or experience the expense of replacing damaged or stolen personal belongings.

Interested?

If you are looking for home insurance cover Motaquote may be the insurance broker for you. We offer two types of policy - a standard and a platinum home insurance policy.

Find out more about these great policies here: Motaquote Home Insurance


*Terms & Conditions Apply.

Planning Your Holiday This Year?

If you're anything like me you're probably already thinking about where you're going to go on holiday. I know we're bearly out of winter and it's still March - hardly holiday season but surprisingly it's the time a lot of people start making travel arrangements for the summer.

Well if you are thinking about taking a trip abroad have you thought about your travel insurance? I'm guessing that you probably haven't, which is fair enough - who really wants to think about travel insurance when they're planning their next holiday?

Unfortunately travel insurance is something you really need to think about as it can cover you for numerous problems that can and unfortunately do happen whilst holidaying abroad.

Motaquote's travel insurance covers you for a wide range of things including - your expenses should you fall ill and need to be hospitalised, should you lose luggage or have personal items stolen. In some cases we can even cover you should you be unable to travel due to a recent death of a relative.*

In addition to this Motaquote's travel insurance even offers cover for a wide range of sports and activities as standard.

If that still doesn't sound like enough cover to you did you know that Motaquote's travel insurance can offer an option to add on winter sports cover if you're considering your next skiing or snowboarding holiday?

*Dependent on insurer.