Help Insure Me Motor Insurance

...----------------------------
Whatever your trade, Help Insure Me will point you in the right direction to get the right cover at a competitive price.

Cover is arranged through Zurich (they will call you to discuss your requirements) and Decision Finance. Together, this equates to getting prices from over 100 UK insurance companies and providers.
--------------------
Car Insurance
--------------------
...you advice and guidance to help you select a policy that suits your needs and your pocket.
---------------------------------
Mobile Phone Insurance
----------------------------------
See the cover detailed below, and the added benefits if you take out insurance and don't need to claim.

- Water damage.
- Theft.
- Loss.
- Accidental damage.
- Fraudulent calls.
- International ... more

If you're looking for insurance www.helpinsureme.co.uk is the place to look. They have great rates available from a wide range of insurers on a huge selection of products - some of which I'll detail below.
---------------------
Boat Insurance
---------------------
Links available dealing with all classes of yacht, dinghy, sailboard and rowing boats, whether you sail for pleasure or are a professional racer.

Their policies cover your boat for loss or damage including theft, fire, vandalism and malicious damage. They also offer new for old cover on sails and spars, regardless of age.
------------------------
Breakdown Cover
------------------------
They have full European breakdown cover from just £59.00 per vehicle fully inclusive and have a wide range of other policies available if you want basic cover.

Policies are arranged through: Quoteline Direct, AA, RAC, More Th>n, Norwich Union Direct and a host of other providers.

In all, there are 9 different insurers listed which should mean that you get a wide range of different policies and premiums. Some cover the car (therefore any driver driving it is insured) and others cover the driver (so any vehicle that the driver is driving, or a passenger in, is covered).
----------------------------
Business Insurance
----------------------------
Whatever your trade, Help Insure Me will point you in the right direction to get the right cover at a competitive price.

Cover is arranged through Zurich (they will call you to discuss your requirements) and Decision Finance. Together, this equates to getting prices from over 100 UK insurance companies and providers.
--------------------
Car Insurance
--------------------
Whether you're 17 or over 85, you'll find links to get quotes online. To save time you'll see instantly who'll quote for which age groups, how many additional drivers each will accept, what cover is available (comprehensive, third party fire & theft or third party only) and who will accept monthly payments. They also tell you who offers online discounts!

They really do seem to have researched the net to get almost every eventuality covered - they even have found one insurer offering 12 equal payments with no deposit - useful if you're a bit strapped for cash, and have policies where you can even print your own cover notes immediately - really useful if tax is needed quickly to avoid that £80 instant fine!

They also offer quotes for classic cars, Japanese & American imports, Kit cars, modified cars. They also have a seperate page for young drivers insurance - all of the above can be a real nightmare trying to insure. They also have specialist schemes available for Landrovers & Range Rovers.

The companies they offer quotes through online for car insurance are as follows: More Th>n, Norwich Union Direct, Endsleigh, Screentrade, Lloyds TSB, Churchill, Tesco, CIS, Quoteline Direct, Halifaax, Esure, Motorquote Direct, Budget, InsureYourMotor, People's Choice, Direct Line, Eagle Star, Hastings Direct, AA, Ratebeater, Adrian Flux, Diva, GirlMotor & WomenOnWheels & Lancaster, and others.
--------------------------
Caravan Insurance
--------------------------
You can seek cover for loss or damage to the caravan contents including household goods, bedding, personal items, luggage and bikes. You can use your caravan abroad for up to 180 days per year and can get cover for replacement or repair of standard caravanning equipment and awnings even when in storage. Rental of alternative caravan/hotel bills is also covered.

Cover is arranged through Swinton, E&L Insurance, Endsleigh and Direct Choice.
----------------------------
Chauffeur Insurance
----------------------------
For private chauffeurs, and companies with fleet policies. This page contains details of Elstree Insurance Services, a broker based in Cambridge who have a wide range of facilities available.

They are also able to offer quotes on stretch limousines - something which I can imagine is a bit tricky to insure at the best of times!
-----------------------------------
Fishing Tackle Insurance
-----------------------------------
This is an unusual one! I do, though, remember a news headline a few years ago whereby a member of the public was blinded in one eye after being caught with a hook whilst a fisherman casted his line. The passer by sued the fisherman.

A specialist insurance for coarse, game and match fishermen. Cover includes personal liability cover, £250 miscellaneous tackle box contents, personal accident cover, accidental damage and unattended vehicle option. .

Tackleguard covers you and your fishing tackle against:

- loss
- theft
- accidental damage
- Tackleguard covers you against third party claims
---------------------
Golf Insurance
---------------------
Another weird one! I don't play golf myself, but I've heard that if you get a hole-in-one, you HAVE to buy EVERYONE in the bar (the nineteenth hole) a drink! Can be really costly if you play at a big club!

Any golfer, whatever level, can insure himself with a specialist golf insurance policy for every eventuality, such as:

- Having your clubs stolen
- Maiming someone with a wayward shot
- Being struck by a golf ball and suffering personal injury
-----------------------
Home Insurance
-----------------------
There are currently 21 links to different home insurers in the UK on this page! You can insure buildings or contents, or combine the two under one policy which usually works out cheaper in the long run.

They also insure cycles, doemstic appliances, holiday homes, landlords and ladies, musical equipment and photographic equipment on a standalone basis.
-----------------------------
Horse & Horseboxes
-----------------------------
The horse insurance policy appears to be very flexible and offers a wide range of cover and pricing options, depending on your requirements. Policies start from just £33.00 per year - much less than any vets bill! Any age of horse can be covered, whichis unusual as most animal insurance policies restrict the age of the beast to 10 or so.
---------------------
iPod Insurance
---------------------
iPod's can cost over £1000 - apparantly! You can arrange a cost effective insurance policy which covers LOSS, THEFT, ACCIDENTAL DAMAGE, WATER DAMAGE, INTERNATIONAL COVER from just £5.88 per month.

All claims are completed within 48 hours!
No-Claims bonuses:

After 12 months you will receive a free battery worth up to £82.
After 24 months you will receive a free upgrade to the latest handset
--------------------
Life Insurance
--------------------
Whether you need Family, Mortgage, Critical Illness, or Medical cover you will find links to give you advice and guidance to help you select a policy that suits your needs and your pocket.
---------------------------------
Mobile Phone Insurance
----------------------------------
See the cover detailed below, and the added benefits if you take out insurance and don't need to claim.

- Water damage.
- Theft.
- Loss.
- Accidental damage.
- Fraudulent calls.
- International cover.
- Extended warranty.
- Monthly instalments available.
- FREE battery if you don't claim in the first year.
- FREE upgrade to the latest handset if you don't claim for 2
years.
-----------------------------
Motorcycle Insurance
-----------------------------
Quotations available via links to nine different insurance companies. Whether you have a moped, classic motorcycle, sports bike or tourer you should be able to find competitive motorcycle insurance here.

They can also point you towards insurers offering cover on quad bikes and trikes - things that must be difficult to insure generally.
-------------------
Pet Insurance
-------------------
Again, the advantage here seems to be the number of companies to choose from. You can insure your dog, cat or bird from this page. Most insurers seem to place an age limit (usually 10 years) on your pet or cover is not available, but I noticed one company on this page that will cover your pet regardless of age.

Obvious requirements for pet insurance are:

- Vet's fees.
- Third party liability.
- Owner hospitalisation.
- Theft or Straying.
- Death of pet (by accident).
- Accidental damage to a third party's property.
- Transport costs.
- Holiday cancellation.

I also noticed that one company gives you a reward if your dog (or cat, I suppose if he/she is particularly ferocious!) catches a burglar in your home! I thought this was quite amusing, sorry!
---------------------------
Student's Insurance
---------------------------
Policies can be purchased by students and parents of students on behalf of their student dependents. Cover is available for:

- Personal possessions cover up to £7,500.
- All risks Computer (room only or all risks).
- Holiday room cover.
- Public liability.
- Landlords property.
- Fraudulent use of credit card.
- College property on loan.
- Personal accident.
- Permanent disablement.
- Missed exams.
- Reimbursement of fees, rent & college expenses.
- Accidental death of parent.
- Telephones & meters.
--------------------
Taxi Insurance
--------------------
Four different links here for taxi insurance. Two are phone numbers which are available during office hours only, and the other two contain links to quotation forms which you need to complete. You'll then receive a phone call back with your quote.

It appears for some reason that unlike normal car insurance, taxi insurance isn't quotable online and you must make contact personally to get your quotes. I don't know why this is.
-----------------------
Travel Insurance
-----------------------
This is obviously Help Insure Me's forte. There are a whopping 22 companies offering insurance, some have age restrictions but cover seems to be available for any age.

I have performed a few test quotations on the site, and all links seem to provide quotes in just a few seconds, after entering in some pretty basic information. I estimate it will take someone about 10 minutes to get quotes from all of the insurance companies listed on the page, and this is Help Insure Me's advantage over other insurance brokers. They are clearly not linked to anyone in particular, and have a far wider choice than anywhere else I've seen in the past.
--------------------
Van Insurance
--------------------
14 companies this time offering quotes. Most have limits on the size of the van of 3.5 tons, but there are links to get quotes on larger vehicles.
--------------------------
Vehicle Warranties
--------------------------
Discovering how much it will cost to protect your car against unforeseen mechanical failure couldn't be simpler - simply input your make and model, year, current mileage and estimated annual mileage and you'll be quoted for a range of cover options immediately.
---------------------------
Wedding Insurance
---------------------------
I've never heard of this one before! I don't think it offers cover against the groom getting cold feet and not turning up though!

You choose the level of cover you want, from BRONZE, SILVER, GOLD, DIAMOND & PLATINUM. Each of the levels provide increasing amounts of cover for:

- Cancellation or curtailment.
- Supplier deposits.
- Your wedding attire.
- Photographs.
- Video.
- Presents.
- Rings.
- Cake.
- Wedding documents.
- Honeymoon luggage.
- Personal accident.
- Wedding cars and transport.
- Professional counselling.
- Legal expenses.
- Public Liability.

------------------------------------------------------------------------------------
PERSONAL THOUGHTS ABOUT THE WEBSITE GENERALLY
------------------------------------------------------------------------------------
As mentioned above, there seems to be a huge selection of different types of insurance available on one website. Some of the policies available I didn't realise were possible! For example, you can insure your wedding cake in case it gets damaged before your big day, cover yourself against taking someones eye out whilst fishing, and even earn a cash reward if your dog catches a burglar in your home! I've tried to think of an insurance policy that they haven't listed on the site but struggle to think of one.

There are also a massive amount of different insurance companies listed, which I think will enable the user to get a huge selection of premiums and hopefully achieve his/her objective which is ultimately to save money. One drawback is that for most products you have to enter your information in each time and some quote forms can take 5 minutes or so to complete. 

...less