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Frequently Asked Questions

Insurance can be a complex and confusing business. Our frequently asked insurance questions will help you get the answers you need.  For some personalised help, call us 01482 434343.

Insurance FAQ

Insurance can be a complex and confusing business. Our frequently asked
insurance questions will help you get the answers you need.For some personalised help, call us 01482 434343.

You can get cheaper insurance by using an insurance broker as they will have access to a wide range of policies.  Raising your excess – the amount you pay in the event of a claim – or lowering your policy limits can also reduce insurance costs.   If you’re looking for cheaper motor insurance, fitting extra security devices, and black box telematics systems, limiting your mileage or agreeing to only drive in daylight can bring costs down.  When it comes to property insurance, securing your home, and making sure it’s occupied and well-maintained can all help reduce costs.  Probably the easiest way to get cheaper insurance is to speak to an independent insurance broker who can compare the market and tailor cover to your needs.  If you’d like some help getting cheaper insurance, call us now on 01482 434343 or request a callback and we’ll be happy to help.

Unfortunately, this has become one of the most frequently asked questions of late.  Private car, truck, and fleet insurance customers have all noticed rises which are down to the effects of the pandemic, inflation, and problems with supply chains.  Things have eased recently and we’re hoping that in the coming years, premiums will come down.  If you’re looking for cheaper motor insurance, then call us on 01482 434343 or request a callback and we’ll be only too happy to help

It covers the driver and the car, though only any driver policies will allow anyone to drive it.  However, you might be able to drive someone else's car in an emergency if your policy includes Driving Other Cars (DOC) cover

Surprisingly only two types of insurance are legal requirements: motor insurance if you want to drive a vehicle on public roads, and employers’ liability insurance if your business has employees.  All others are optional, though some employers may insist on businesses having public liability insurance and it’s likely that a mortgage lender will want you to have buildings insurance

Yes, we can arrange finance so you can pay for your cover in monthly instalments

Generally speaking yes, though it does vary from insurer to insurer.  Most will allow you to claim back the complete months left on the policy.  Some will charge a cancellation fee, some won’t

Yes, these are known as mid-term adjustments and they are quite common, particularly for things like fleet insurance where the number of vehicles/drivers is subject to change or landlord insurance where properties may fall unoccupied and then become occupied again

 

Depending on the policy they will consider things like the age of drivers, the postcode of a business, the value of a property, the claims record of the person requesting cover, what a business does and its size, and, in the case of things like fleet insurance, the number and type of the vehicles being insured

Postcodes are one of the most important factors in calculating insurance quotes.  Whether you have a property, work in a certain area, or your business is in a certain postcode the data insurers hold on that postcode will have a major bearing on your quotes.  High crime rates, flood risks, or accident blackspots can all increase premiums.  The effects can be dramatic.  We’ve heard of people looking for courier insurance to work in the centre of some cities where they either face sky-high premiums or can’t find cover

Not really.  While insurers may run credit checks, these are usually done to verify people’s identities and prevent fraud

There are two main forms of liability insurance, public liability insurance and employers’ liability insurance.  Public liability insurance is taken out by people who work with the public or in public spaces and offers financial protection should they accidentally injure someone or damage their property and have to pay compensation.  Tradespeople, shop owners, truck owners, and office-based businesses usually take cover of between £1m and £10m out.  Employers’ liability insurance is a legal requirement if you have any employees.  It doesn’t matter if these are full-time, part-time or contracted, by law you must have employers’ liability insurance in place.  If you don’t have it, you can be fined £2,500 for each day you don’t have cover

While we’re predominantly a commercial insurance broker offering everything from business and fleet insurance to plant insurance and public liability insurance, we can also help you with things like home insurance and car insurance

We’re independent in that we’re not tied to an insurer, so when you get an insurance quote from us, we can compare the market to find you the right cover at the right price

Our group of offices was founded in 2006 by our Managing Director, Andy Price Dip. CII  It’s now rated 4.9/5 by feefo and has won a clutch of industry awards

There are several reasons for this, but mainly as we believe in giving our clients a personalised service and not a one-size-fits-all insurance offering.  Being a commercial insurance broker, we often need to protect complicated businesses with fleets, employees, commercial property, and professional indemnity concerns.  All our clients receive personal service from a dedicated account manager who are with them from cover to claim

 

Yes, we have offices in Hull, Grantham, and Grimsby.  We have clients all over the UK and we’re happy to make visits to your business if required

Getting a quote is easy.  You can call us on 0148 4343434 or request a callback and one of the team will get back to you as soon as possible

No, but if your organisation has any employees you will need employers' liability insurance

There are several ways to get cheaper business insurance, from using an independent insurance broker who can do the shopping around for you, to increasing your excess, securing your premises, stock, and vehicles, and doing a risk assessment with your broker.  If you'd like some help getting cheaper commercial insurance, please call us on 01482 434343

Yes.  Whether your organisation has cars, trucks, delivery vans, or lorries, these can all be covered by your business insurance by adding a fleet insurance element to it

Yes, it can cover your premises, vehicles, stock, money, and employees on one policy

Yes, most self-employed people will benefit from having business insurance in place.  Having things like public liability insurance, professional indemnity insurance, commercial vehicle insurance or employers' liability insurance can often be essential for the self-employed

If you're running an online business, you'd be well-advised to have business insurance.  Cyber-attacks are on the rise in this country, if you're selling goods you'll also want to protect your stock, and if you're doing deliveries then goods in transit and commercial vehicle insurance are important

Yes, you can take out business insurance before starting trading, even if your business isn’t VAT-registered or a limited company

Getting a quote from us is easy.  You can call us on 01482 434343 or request a callback and one of our award-winning team will get back to you as soon as possible.  Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like

There are several easy ways to get cheaper motor insurance, including getting an independent insurance broker to shop around for you, increasing your excess, adding extra security to your vehicle and building up your no-claims bonus.  If you'd like some help getting cheaper motor insurance, please call us on 01482 434343 and our award-winning team will be happy to help.

 

No, we can offer you competitive commercial vehicle insurance, truck insurance, courier and business car insurance. If you have two or more vehicles in need of cover we can offer you fleet insurance for all types of vehicles

Yes, if you're carrying passengers or goods for money, so-called hire and reward, then your standard car or van insurance won't cover you.  Even if you do things like driving to different offices/locations for work or give colleagues a lift to events or meetings, you will need business car insurance

Fleet insurance is for businesses that have two or more vehicles to insure.  These can be cars, vans, trucks, road-going plant vehicles such JCBs or mobile cranes, or a mixture of these.  The main advantages of fleet insurance are that it works out cheaper and it gives you one policy to administer so saving you time and hassle

Lots of factors are considered when arriving at motor insurance premiums, such as the driver's age, the vehicle's age and engine size, whether you want fully comprehensive cover or a cheaper option like third-party, the driver's postcode and no claims bonus

Getting a quote is easy.  You can call us on 01482 434343 or request a callback and one of our award-winning team will be only too happy to help

The two main types of property insurance are buildings insurance, which protects the physical building should it be accidentally damaged or destroyed, and contents insurance which covers possessions inside the property.  When it comes to home insurance, most people will take out both.  There are also specialist forms of property insurance, most of which are designed around the property's use.  For example, commercial property insurance, landlord insurance, or empty property insurance

There are several ways of getting cheaper property insurance, including having an independent broker do the shopping around for you, building up your no claims bonus, raising your excess and adding extra security to your property

As a property insurance specialist, we can offer you all forms of property insurance, from home and landlord insurance to more specialist policies such as empty property insurance and commercial property insurance.  If you'd like some independent property insurance advice, then please call 01482 434343 or request a callback and one of the team will be in touch as soon as possible

Empty properties are seen as riskier by insurers as they are more likely to be burgled, vandalised, or have squatters move.  Also if there is a problem such as a fire or flood, with no one at the property to raise the alarm, the damage can be a lot worse.  If a property is left empty for more than 30 days standard property insurance can be reduced or even invalidated

Yes.  If you're running a business from a building you need commercial property insurance.  This can give you extra covers such as public liability insurance, stock insurance, money and machinery insurance so giving you and your business the protection you need

Getting a property insurance quote from Coversure is easy.  You can call us on 01482 434343 or request a callback and one of the team will be happy to help.  We can offer all types of property cover from home insurance to landlord insurance, commercial property insurance to unoccupied property insurance

Property underinsurance usually occurs when a property's rebuild costs are less than the cost of rebuilding it.  It's become a significant problem in the UK with around 76% of homes currently being underinsured according to Rebuild Cost Assessment.  Rising costs of materials and labour have pushed rebuild costs up significantly since 2019 and most property owners' policies haven't kept pace. If you're worried about property underinsurance then please get in touch by calling 01482 434343 and we'll be happy to help

Committed to finding you the protection you need

If you’d like some independent advice or an insurance quote, please call us on 01476 565 590.

Get a Quote

Request a Callback

Committed to finding you the protection you need

If you’d like some independent advice or an insurance quote, please call us on 01476 565 590.

Get a Quote

Request a Callback

Insurance specialists for business, property and motor

Local service – online, by phone, or in person

Help and advice to ensure you’re protected

Insurance specialists for business, property and motor

Local service – online, by phone, or in person