If you own or are thinking of buying a fish & chip shop, it’s important to know the risk factors that come with that. Insurance cover is of the utmost importance to ensure that your investment is safe should anything happen. To help you, we’ve put together a list of 8 do’s and don’ts to … 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
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
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
This is not an exhaustive list but if you heed these you’ll have less chance of your claim being rejected: DO answer all the questions fully and correctly – this simple error could be costly DON’T misrepresent your Business Trade DO declare any claims (or incidences) you’ve had in the last 5 years DON’T forget … Read More
Simple Liability Insurance is easy to buy and especially so online. However, you need to be aware of a classic pitfall a lot of people fall into and get into trouble and not having their claim paid. Online, in the trade description dropdown, if the exact trade does not exist most people might find an … Read More
There are literally hundreds of types of Shop Insurance policies on the market by a multitude of providers. Most are online and very budget. What makes them cheap is always open for discussion but generally speaking insurers reduce cover to make them cheap. It’s as simple as that. That’s fine if you’re aware of what … Read More
Like all things in life you get what you pay for… you either go budget or for value and unfortunately most go for the former. The same applies to insurance. For budget policies you pay less and you receive little in return, but, for a bit more you can get security and peace of mind … Read More
