A year ago the weather was rather different with severe storm force wind and rain coupled with high tides and the damage was extensive so it seems appropriate to remind you of the guidance in dealing with such things.Flood advice booklet

A great broker network which enables us to provide our clients with a fantastic range of products

Just had an email from Ageas, as a Purple Partner we will get 10% discount off new liability policies – great news for clients!

BUT if you don’t have the right cover then it could cost a lot more than that, we often see people who use their vehicles to travel to different places of work, those who pop out to see customers, those who car share to attend courses or meetings yet have policies restricted to Social, Domestic & Pleasure.

Do you know what your policy covers you for or do you just hope?

I have just done a quote for home contents – £30,000 sum insured with Accidental Damage for a two bedroom detached bungalow in Callington and the annual cost is £51 which works out at less than £1 per week – amazing value for money.

This is based upon an individuals set of circumstances and everyone is different but why not ask and see what we can do for You.

According to the latest figures from the ABI Insurers paid out almost £1 million every single day in December to cover the cost of stolen goods taken from homes.

The average value of specified items has risen from £2979 to £3295.

The most expensive specified items are coin collections with an average value of £5894.

Its that time again, Met Office warnings – if any of our clients have problems or concerns give us a call – we won’t keep you hanging on.

When disaster strikes and interrupts your business operations, you need to take quick, decisive action. Having a business continuity plan in place can help, but continuity plans often miss key elements, which could cause problems when you try to get your business back up and running. The following are several key elements to check for when creating or reviewing your business continuity plan:

• Suppliers: when choosing third-party suppliers, thoroughly vet their business continuity plan. Their resilience after a business interruption can equally affect your company’s operations, and if business continuity is one of their priorities, you can confidently do business with them. 
• Alternative locations: If your business’ building experiences a gas leak or flood, can your operations continue in alternative locations? Whether you have an arrangement for a backup office space or you allow employees to work remotely, plans for alternative working arrangements need to be in place. 
• Situation-specific plans: Your business continuity plan should have the singular goal of restoring your operations. However, the steps you take to reach that solution are unique to each possible scenario, and your continuity plan should reflect that. Allow for different solutions that fit diverse scenarios—your plan should be agile and adaptable to changing circumstances. 
• Testing: Practise your plan often, using scenario-based exercises or live walk-throughs. For example, if your backup database administrator cannot remember how to properly recover the database, it is better to discover this in a practice session instead of a real situation.