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Below are the 2 most recent journal entries recorded in robcantrell445's InsaneJournal:

    Sunday, February 5th, 2012
    2:26 pm
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    The big energy companies are aware just how vital it is for companies to get good energy deals, and there are plenty of different options available for business energy deals. Most of the large companies have specific business energy tariffs available, while even the smaller providers have begun to specialise in business energy deals.

    It's a myth amongst business owners that comparison only really works well for residential customers. However, while comparison is certainly more vital for home energy users due to the huge amount of choice available, that doesn't mean that business energy price comparison isn't a great way for your business to save money. After all, there's still a big difference between different tariffs and after rental costs and staff wages, energy prices can be the third biggest concern any company has to worry about! Here's a rundown of some of the major energy tariffs available in the UK right now.

    British Gas: British Gas offer 'small and medium' business energy and 'large' business energy prices. They define large as any business that spends over 50,000 on energy or that has more than 20 individual locations. The smaller tariff offers fixed rates for an agreed period which lets you know exactly what you'll be spending a month, while the larger can also offer flexible rates. All British Gas business customers are appointed an account manager who is responsible for dealing with any enquires, registration, switching or metering.

    EDF: EDF have a similar scheme to British Gas, with a tariff for small and medium businesses and another for large businesses. Their definition is quite a bit different though, with a large business needing to spend only 30,000 a year on electricity. Small businesses have the option of fixed rates for up to 3 years, while large business can choose between fixed and flexible options with monthly or quarterly billing. EDF provides business energy customers with a business adviser as well as providing companies with free energy advice to help them to reduce their fuel cost.

    EON: EON has over 500,000 business customers and are one of the largest suppliers of energy to businesses in the UK. It has a single tariff available, which is designed for companies that spend less than 100,000 on energy a year and have less than 50 sites across the country. Business customers can benefit from free energy advice, a discount for paying by direct debit and the choice of either a one year or a three year contract.

    Scottish & Southern Energy: Businesses choosing SSE for their energy are able to get fixed prices for their entire contract, along with a range of different contract periods and payments methods. Each business customer is appointed an adviser and SSE offer local customer service and billing support in either Scotland, Wales or England, with the option of visits from an advisor to talk about energy needs.
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    2:01 pm
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    Out of all the many different types of insurance out there, many people don't really think about getting separate insurance just for their boiler. However, when you look at the figures it really does start to make sense - not only are boilers one of the things that's most likely to wrong with a house - especially ones with older heating systems - but getting them fixed can cost huge amounts of money. When you consider that the minimum you are likely to be charged is in the region of 30 an hour,boiler insurance might not seem like such a crazy idea!

    Make sure before you get cover to find out whose responsibility breakdowns are. If you have anything but a standard mortgage, you might find that it's not you that has to pay out and getting heating cover or boiler insurance would be a complete waste of money! Likewise, if you already have boiler insurance you may just be able to cancel via direct debit and move straight over to another provider, but make sure you check if you've entered into any contractual agreement first.

    If it is all up to you - it's time to look for a provider. Most energy providers may have a service that provides some level of heating or boiler cover, but don't think that you should go with them just because you already use them for other things. It's worth shopping around as there's a lot of variation in both prices and services for heating insurance. Some of the major providers are: Direct Line, British Gas, Npower, HomeServe and HomeCall+.

    There are several things you should be looking out for when researching and comparing different boiler insurance companies. It can be quite in depth because different packages may provide cover to different elements of your system, some of which are more likely to break down than others. Although a comparison site is a good place to start, as there's so many different variables in a heating system such as the age and the quality of components, giving companies a call and asking specifics is generally a very good idea.

    There are a few things you should look out for no matter what company you go for. Firstly, you'll want to know how to contact the company. Do they have a constant helpline that you can call even if your boiler breaks down at 4AM on a Sunday? Next you'll want to make sure you know exactly what the provider considers to an emergency. No hot water might be an emergency for you if you've got a family that wants to have a shower before they go to work and school, but it may not be an emergency from the company's point of view!

    Finally, don't forget that you might not actually need boiler insurance at all. If you've got a relatively new system where any more than a single call out every year is going to be unlikely, you might find it cheaper not to pay out for insurance. Of course just having a new system is no guarantee you won't have problems, so it's always going to be a risk you have to consider.
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