Blog

Published on 27th August 2020

Our phones are back up and running – 01934522252

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Our phone lines are temporarily down. Please email us on office@birnbeck.com

Published on 21st March 2020

During these unprecedented times, we want to inform you that we are still open for business and here to help during this difficult period. Our opening hours remain Monday to Friday from 9am to 5pm.

As per government guidance most of our staff are working from home but they are able to handle calls and queries and process policies as normal.

We have taken the regrettable step of closing the office to visitors for the time being due to the limited capacity within the office and also to protect staff and visitor welfare.

We have cancelled any customer visits for the time being.

Please continue to contact us by phone on 01934 522252 or by e-mail on office@birnbeck.com.

We wish you a safe passage to the other side of this most unwelcome and unexpected situation.

Best wishes.

Stuart Rose

Published on 9th March 2020

In these uncertain times for travellers we thought that we would pass on Axa Insurance’s advices on cancellation cover under their travel policy. All insurance policies have differences but this gives a favour of the likely approach.

Cancelling your trip
Am I covered to cancel my trip?
• You should speak to your tour operator or transport and accommodation provider in the first instance for a refund of costs.
• You should contact your claims team for claims consideration if –
o You are due to travel to an area where regulatory body has advised against travel to and you have costs that will not be covered by your tour operator or transport provider and you can provide written evidence detailing this and any refunds you have received, please contact the claims team for consideration.
o You are unable to commence your trip due to a compulsory quarantine or a regulatory authority advising you not to leave your home. Or the area you are due to travel due is ‘locked down’ due to quarantine.
o You have a pre-existing medical condition and a medical practitioner has advised you not to travel due to a risk to your health.
o You are due to travel to an area where you will need to self-isolate upon return.

• If you are due to travel to an area where no regulatory body has advised to cancel, then no cover is in place for disinclination to travel.

Should you have any further questions please contact us on 01934 522252.

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Closed Sign

Many businesses are understandably concerned about having to close their doors following an outbreak of Coronavirus amongst their staff or at their premises.

If you have business interruption insurance in place under your business insurance policy then there are 2 extensions within the business interruption section that need to be reviewed:

1) Prevention of Access. This extension involves closure of the premises by any action of Government Police or Local Authority due to an emergency which could endanger human life or neighbouring property.

Some wordings however do exclude an outbreak of infectious disease under this extension, as it is dealt with by a more specific cover, which is mentioned below.

2) Notifiable Diseases. This relates to a loss of income following illness sustained from an infectious disease at the premises, an outbreak of which the competent Local Authority has stipulated shall be notified to them.

Many insurers however have restricted the cover offered by this extension in view of the capacity for catastrophic losses cause by a global pandemic. Their extension is on a specified illnesses basis only, an outbreak of which is deemed notifiable to a competent Local Authority.

Their policy wording has a list of illnesses that are covered. Coronavirus or Co-Vid 19 is not mentioned on the list of specified illness that are covered and hence is not insured.

Some of the largest insurers in the market restrict their cover to the specified illness basis so many policyholders will need to brace themselves for bad news when investigating their cover.

Should you have any further questions please contact us on 01934 522252.

Published on 10th January 2020

Plots of land come in all shapes and sizes and with a variety of intended uses. Care needs to be taken that the legal liability of the landowner is protected correctly in case they are drawn into any claims involving a land user or visitors.

Some points to consider:

Size
The size of the piece of land you want to insure and if it has any significant features will also influence the premium

Access rights
The more people who can access your land, the higher your premium is likely to be. You’ll need to tell your insurer if there are any public rights of access on the land as that can increase the risk. And if you employ people to work on the land you’ll need to have employer’s liability insurance by law.

Buildings
The presence of structures, including derelict buildings, or waterways, which can increase the level of any potential claim. For example, a member of the public can cause themselves a greater injury if a roofing slate falls on their head compared to if your land is just open pasture.

Special materials or listed status of structures
If you are insuring listed buildings, such as a barn, as part of your land insurance this can increase your premium. That’s because the cost of repairing or rebuilding it is likely to be higher than a standard construction barn.

It is best to speak to an insurance professional who is employed to work on your behalf rather than leave it to chance whether or not you have the correct level of cover you need for your requirements.

Please contact Tracey or Lorna on 01934 522252 if you would like to discuss further.

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We have access to an exclusive facility for the metalwork sector which offers market leading cover at competitive premiums. We have considerable experience in arranging insurance for clients working in this sector built up over a number of years.

Included amongst the activities that we can insure are steel fabricators, sheet metal work, CNC milling, CNC lathes and precision engineering. Site work including hot works can be accommodated. Work with structural steelwork or jobs at hazardous locations can also be included subject to full details.

Please contact Stuart or Lorna on 01934 522252 should you require further information.

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We are delighted to announce that Hannah Lynch has joined Birnbeck. Hannah has been working in insurance for 5 years and joins us as an insurance consultant.

She brings expertise in personal insurance including motor, home and travel insurance.

Hannah can be contacted on 01934 522252 or hannah@birnbeck.com

Published on 26th July 2019

We have access to a Home Automation and Smart Home Installers Insurance scheme, which is specifically tailored to the needs of Home Automation contractors. It is a bespoke policy suited to the risks of working in the sector and includes a number of benefits.
Our Public and Products Liability cover can include the following covers at competitive premiums:

• Contractual Liability
• Inefficacy
• Defective Workmanship
• Optional extension available for damage to the part being worked upon

In addition we can include cover for a number of other requirements such as employers’ liability, professional indemnity and property insurance.

If you need any help with this area of insurance then please contact Stuart to discuss on 01934 522252.

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There is the possibility that Brexit could cause disruption to your travel plans from the end of October onwards. If you are booking holidays with trips via the European Union please check your travel policy to see if it includes Brexit related travel disruption. The approach of the market is non standardised at this time and different insurers will have different approaches to potential claims for cancellation or travel disruption. If cover for Brexit related travel disruption is included there will usually be a requirement that the customers should in the first instance contact their tour operator, travel association or transport company or financial protection scheme for assistance and also for reimbursement if they have agreed to or are obliged to pay.

If you need any help with this area of insurance then please contact us to discuss on 01934 522252.

BIBA (British Insurance Brokers Association) Purple Partnership

Copyright © 2020 Birnbeck Finance Limited t/a Birnbeck Insurance Services
Registered Address: Whetcombe Whey, Ropers Lane, Wrington, Somerset, BS40 5NH
Company No. 01158939
Registered in England and Wales

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FCA Registration Number: 125599
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