Coronavirus Update 22nd April 2020

  Properties already unoccupied prior to the outbreak of Covid 19 are still subject to the insurers policy terms and conditions.  If the current Government restrictions mean that you are unable to comply with any conditions applicable to your policy, please contact us to discuss further as some insurers appreciate that these may be difficult […]

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Coronavirus

At the moment we are experiencing high volumes of calls and you may not be able to get through to the Office, or to your usual contact.  Please use the link below to email us – this is a designated mailbox which will be monitored and actioned, although there may be a delay in forwarding […]

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Brexit impact on driving in the EEA

  Will Green Cards be required if there is a no deal Brexit? If the UK leaves the EU without a deal, it is likely drivers will need to obtain and carry a physical copy of a Green Card with them when driving in the EEA as well as Andorra, Serbia and Switzerland to prove […]

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New mobile phone penalties – 1st March 2017

Driving whilst using a mobile phone has been illegal since 2003, but up until now this hasn’t deterred drivers from using their phone to text, take calls, use maps or post on social media when they’re behind the wheel. This all changed on the 1st March 2017, the punishments have increased with penalty points and […]

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Insurers to raise premiums following statutory increase in compensation

What’s happening? The Government has announced that compensation awards following serious injury claims are to be increased substantially.  Amendments are being made to the complex formula used to calculate awards, known as The Ogden Table, to take into account current low investment rates. These tables are an aid for actuaries, lawyers and others when calculating […]

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With effect from 1st June the standard rate of IPT (insurance premium tax) will increase again from 10% to 12%

  When announcing the extra 2% increase last year, the chancellor, Philip Hammond, said IPT rates in the UK still remained some of the lowest in Europe and that money was needed to pay for the government’s infrastructure plans. From 1 June 2017, most insurance policies will see the higher 12% rate applied (there is […]

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New rules on Protected No Claims Discount

There is a new order which comes into force on the 1st August 2016 known as the CMA Order (Competitions & Markets Authority) which relates to Private Motor Insurance. The order applies to private car policies in the name of an individual which are used primarily for Social, Domestic & Pleasure purposes (it excludes motorcycles, […]

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Abolition of The Driving Licence Counterpart

It has now been confirmed by Ministers that from 8 June 2015, DVLA will no longer issue the paper counterpart to the photocard driving licence. For paper licences issued before 1990 the next time the name, home address or licence is updated only a photo card will be issued. Penalty points (endorsements) From 8 June […]

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What is Gap Insurance?

Most comprehensive car insurance policies only offer ‘new car replacement’ whilst the vehicle is less than 12 months old. If your car is written off or stolen after this period, the insurance pay-out is based on the current market value. Whichever make and model you choose and no matter how old it is, the moment […]

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Rent Guarantee Insurance

Our Rent Guarantee Insurance has been designed to protect Landlords against arrears and rent default. If you let a property you run the risk of rent default by the tenant.  Even good references cannot predict a tenant falling on hard times and being unable to pay the rent. Many  Landlords are seeing an increase in […]

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