If you’re involved in a project such as Renovation, Conversion or Extension of a property (or even a New Build), don’t fall into the classic mistake that your Builder will cover all insurance eventualities should something go wrong. It is also extremely unlikely that your own home insurance will cover any such project. The Builders … Read More
The Government has finally confirmed plans for a New Homes Ombudsman and Housing Minister, Robert Jennick said: “Home buyers will be able to access help when they need it so disputes can be resolved faster and people can get the compensation;they deserve”. The aim is to improve standards in design and durability for New Build … Read More
Why do people generally go for the cheapest buy? To save money of course! We all want a bargain.. and we all look for the best deal. So for example, when we look to buy, say, a pair of Adidas trainers we know it will be exactly the same whether we buy it online, through … Read More
A specialist insurer in the Leisure and Catering sector shows that 3 out of 15 (or 20%) claims are rejected because the client, being a Director or Partner of the business, has had previous County Court Judgements (CCJ’s) which were not disclosed to their insurance company. It is standard practice for all insurers to ask … Read More
It’s now a fact of life that when it comes to claims a lot of insurers look to decline first rather than pay the claim. Economic reality has brought this to the fore and it’s becoming quite unpleasant. The process insurers deploy (or the loss adjuster) is to look into the truthfulness of the general … Read More
The insurance industry loves jargon and to over complicate things which many times causes confusion to buyers of construction insurance. Let’s briefly try and simplify it… Contract Works Insurance covers the project for fire and perils from the start date (of the project) to its completion or handover eg., a New Build House. So for … Read More
The insurance industry (and us) continually hark on to our clients being insured correctly and not to underinsure. A lot of people on the other hand want to save money by reducing, or not disclosing, the correct Sum Insured for their property. Unfortunately, we have a recent real life example whereby one of our clients … Read More
For many insurance companies are heartless, money grabbing entities that avoid paying claims… that’s an extreme perspective but one held by some for one reason or another. Once in a while there is a heartwarming story that makes one feel good because the right thing was done. Take our client an elderly gentleman who has … Read More
Although it’s an easy purchase, some budget policies, especially online, do not give you the full cover that you should be protected for. It is done for the purpose of making them cheap. And that’s when you could find yourself out of pocket just for a few £££’s. So here are 3 Points you should … Read More
What I’m going to describe below is a real life situation of what you should not do when you have bought your Liability Insurance. You purchase your Liability Insurance policy and you think it’s all sorted… But have you had a look at your insurance policy requirements? If not, you could be in trouble. The … Read More
