After more than fifty years as an insurance broker I ask myself why should people use a broker, I still think the answer is the same as it was when I started, Insurance is far more complex than most people assume, Should I tell my insurers I have solar panels? What class of use do I need for my motor insurance, Whats is fronting? etc etc. Currently there is an advert running on TV encouraging people to use a pension company that doesn’t put them in bucket – computers are wonderful but there are a lot of people who don’t fit in a set number of preset boxes – we use computers but as tools for HI (human interaction) not to drive AI.
The internet does not make a person a better risk, call centres and adverts are expensive so the perceived saving often simply don’t add up either.
53 years broking – 70 in May – older, wiser, maybe

CHRISTMAS AND NEW YEAR OPENING HOURS

Monday 22nd December 9am to 5pm
Tuesday 23rd December 9am to 5pm
Christmas Eve 24th December 9am to Midday
Christmas Day 25th December Closed
Boxing Day 26th December Closed
Saturday 27thDecember Closed
Sunday 28th December Closed
Monday 29th December 9am to 5pm
Tuesday 30th December 9am to 5pm
New Years Eve 31st December 9am to Midday
New Years Day1st January 2026 Closed
Friday 2nd January 2026 9am to 5pm

Wishing all our clients, past, present & future the Compliments of the Season

Phones and e-mails will be monitored throughout this period in the event of emergencies claims etc.

https://www.insurancebusinessmag.com/uk/news/breaking-news/insurer-highlights-fire-risks-linked-to-solar-panels-553493.aspx

Well the change over to a new VOIP phone system went well thanks to using two local Cornish suppliers – we are now continuing to avoid AI and continue with our tried and tested HI system.

* HI = Human Interaction.

PHONE CHANGEOVER
As many of you will be aware in the near future the ‘old’ copper telephone lines will be turned off and all telephone calls will use the Broadband network.
In preparation we are changing over to a new VOIP (VoiceOver Internet Protocol) system on Thursday the 3rd of July – this will result in minor disruption of our phones however we can still be contacted on 07971 256 950 or by e-mail to insure@hotmail.co.uk

But rest assured our e-mails and phones are still monitored because if a client has a disaster they don’t have to wait until office hours.

I am sure everyone is aware of the dramatic rise in the cost of building materials and labour, this increases the cost of reinstatement and it is essential that we all review the sums insured and the scope of our insurances – please talk to your Broker – don’t wait until its too late.