New Restaurant Insurance Schemes

Restaurant Insurance Cover

We have updated our panel of insurers who cater for restaurant insurance. We now have a large panel who specialise in the catering trade and cater for all types of restaurants and different cuisines including Chinese, Indian, Thai, Fish & Chip restaurant, American, Turkish, Spanish, cafes, coffee shops, bistros and more.

The policy's are extremely competitive and have been geared up especially for the catering trade and will cover trade contents incl fixed frying ranges, stock, refrigerated stock, business money, buildings or tenants improvements, public and employers liability incl food poisoning and more.

For more information on restaurant insurance to to arrange a quote please go to our Restaurant Insurance page on our website or call our office on 01288 353999.

Female Car Insurance Could Rise By 25% From December

Female Car Insurance To Rise!

The new EU ruling which bans insurers from rating car insurance on gender comes in to effect as from 21st December. Currently female drivers get a much cheaper rate than male drivers due to the cost of their claims being much lower, but the ruling will now stop insurance company's from 'descriminating' drivers and could potentially increase female car insurance policy's by 25%. We should also see male car insurance policy's reduce but whether we will or not, we will have to wait and see!!

A Uswitch.com survey also revealed that between 15-25% of female drivers will be forced to sell or take their cars off the road due to the increased running costs.

Insurance company's have fought to stop this ruling from happening and stats showed that females claim costs were much less than their male counterparts, but eventually failed to overrule the courts decision.

Can Women Do Anything To Save Money?
The only real thing women can do is if their car insurance comes due for renewal just after 21st December is to see if it would be cheaper to cancel their policy and restart a brand new policy before the ruling comes in to force therefor potentially benefiting for 1 more year. Only thing with this is you could be charged more than the savings to cancel the policy 'mid-term', you could also lose out on built up No Claims Bonus unless you already have 9+ years built up.

There are other things you can generally review at renewal time which may help keep the premiums as low as possible including a lower mileage limit (check your last MOT's and see what mileage you have done), if you are married, but your spouse isn't on your policy, add them for a discount. On your own home? you can get a discount for this. No longer use the car to commute to work? many company's allow a discount to exclude commuting cover. If you always garage the car make sure the insurers are aware of this for more discounts!
You can reduce the premium by requesting a larger excess (what you pay towards any vehicle damage), but check the savings, we usually recommend keeping the excess as low as possible as the savings you make will be very little compare to what you will have to pay out in event of an accident.

Please speak to your insurance broker and get advice if you feel you are going to suffer and they should be able to give you the best advice on keeping your car insurance premiums low!!!!!

Gary Hodgson CeRGI
GJT Hodgson Insurance Services

Ageas Complete Groupama Purchase

One of our favourite insurance company's Ageas have just completed the purchase of another broker favourite Groupama making Ageas the 5th largest insurance company in the UK. This will continue to give our customers more choice and more competitive premiums. A good deal all round!!!!

Launderette & Dry Cleaners Insurance Cover

If you own or run a commercial manned launderette or dry cleaners then we now have the insurance solutions for you. Standard shop insurance policy's don't provide the extra covers required for owners including cover for customers goods held in trust, damage to customers goods and loss of customer goods which only specialist policy's offer. As brokers we check the insurance market so you don't have to.

To arrange a quote visit our our new quote page set up for this at Launderette Insurance or give our office a call on 01288 353999.