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
Attention Insurance Buyers… Is Cheapest Best ?
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
Beware of not disclosing your previous financial history !
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
Beware of Underinsurance ! It can come back and bite You
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
Here’s what NOT to do with Liability Insurance
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
8 Do’s and Don’ts For Trouble Free Liability Insurance
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
Keep in Mind When Buying Liability Insurance
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
Bad Shop Insurance has Bad Results – How to avoid them
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
Why Cheapest is not the Best in Insurance…
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
Business Owners don’t forget this one…..!
As a Business Owner you work hard making sure your business is running smoothly and profitably. You also take all the necessary steps to protect the business by taking out insurance to cover its Equipment, Assets and Liabilities. But what happens when an event outside your control impacts the running and trading of your business … Read More
