Blog

Insurance since 1919

Ride on lawnmowers

If you are lucky enough to have a big garden to warrant ride on lawnmowers, then insurance for your expensive machinery is a consideration. Cover can be given under the contents Section of the policy up to a maximum value of £5,000 at a rate of 1.5 % on the total value of the lawnmower. […]

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Marquees

Marquees in gardens for special occasions, such as a wedding or a christening, is become common, but there are some practical considerations. One of them being adequate insurance. Hiring a marquee means that you are liable for damage or even loss (theft) so insurance is essential. The hirer may offer you an insurance, but we […]

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Insurance claim notification

Insurance claim notification relating to household insurance. Policies carry an express condition that any potential claim should be reported to the insurer as soon as possible. In addition any acts of theft, malicious damage, vandalism or loss of property should also be reported to the Police immediately. All reasonable steps should be taken to minimise […]

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Quad bikes

We can offer cover for quad bikes under a household contents insurance. Home contents insurance would have to be insured for quad bike cover to be offered. The premium for quad bikes would be charged at a rate of 2% of the value, up to a maximum sum insured of £7,500. Cover excludes theft or […]

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Sports and leisure equipment

Cover can be provided for sports and leisure equipment (such as scuba diving, golf, fishing and camping equipment) under the personal possessions / all risks section of a home contents insurance. Cover applying anywhere in the United Kingdom and a specified period aboard. May be 60 or 90 days worldwide in each insurance period. There […]

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Jewellery kept in bank

Jewellery kept in bank is a popular choice for those with expensive items or collections, that are not worn on a regular basis. Whilst some of the high street banks are withdrawing the bank deposit box facility, other players are moving into the market, as detailed in This is Money article. There is a market […]

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Hot tubs jacuzzi and spas

Homes are becoming more like entertainment and relaxation zones. With facilities which not so long ago were only available at health clubs and leisure centres. Now hot tubs jacuzzi and spas are common place. Many sited in the garden. A place where the family can unwind and forget about the stresses of modern living. When […]

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Medical equipment on hire or loan

Patents often take medical equipment on hire or loan (including gas cylinders) from hospitals, hospices, clinics and doctors practices and in doing so could be held responsible if lost or damaged. Taking on the responsibility of medial equipment can add extra strain, when health issues should be taking priority. We are pleased to offer cover […]

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Land adjoining the home with public access

We often receive enquiries from homeowners who have land adjoining the home with public access (right of way). Being an insurance broker with connections we can offer a home insurance including liability cover for the adjoining land. The extension of the liabilities under the policy would be subject to: Payment of an additional premium. At […]

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Hearing aids under home insurance

Usually to insure hearing aids under home insurance you would have to specify them under the personal possessions section. Cover would then apply anywhere in the United Kingdom and a specified period overseas. Maybe 30 or 60 days to cater for holidays and trips away. Hearing aids are generally lost or damaged beyond repair, so […]

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