Blog

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.

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When notifying your current household insurer of a significant home renovation, particularly where insurance cover is required by contract, homeowners can frequently find themselves faced with numerous difficulties.

Standard household insurers are often unable to continue covering the property effectively, or at all. They do not have the appetite to continue insuring what is effectively a building site, and all the inherent risk that brings.

A standard household insurer may provide cover for the existing house but this is usually on a highly restricted basis. This puts the homeowner at risk of not having adequate cover in place for their property and may even invalidate the policy if a JCT contract requires cover in joint names with the contractor.

Birnbeck can offer Home Works and Home Renovation policies, which provide a single, seamless solution that can cover the existing structure, contract works, contents and property owner’s liability all under one policy.

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

Published on 19th March 2019

What do you need to do now?
If you are not planning on driving in the EU in the near future, there is nothing to do. However, if they are outside of the UK on (or around) the 29th March, you will need to contact us or your insurer giving sufficient notice before your departure to ensure a Green Card can be issued in time.
If Britain leaves the EU, without a deal in place, it will be a legal requirement to carry a Green Card if driving in any EU country or Liechtenstein, Norway, Iceland, Switzerland, Serbia and Andorra.
What is a Green Card?
The Green Card has information about your vehicle such as its licence plate number and demonstrates that you have the necessary minimum motor insurance cover in place to be on the road. Drivers have to physically carry the Green Card (printed on green paper) with them.
A separate Green Card will be required for all trailers, but please be aware that all commercial trailers of 750kg or over and any trailer of 3500kg or over, must be individually registered if being used outside of the UK. Please let us know the details of all trailers being used outside the UK

Please contact us to discuss further on 01934 522252.

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Many UK businesses are having to stockpile to prepare for potential post-Brexit shortages. Please check that your policy sums insured are adequate as insurers apply a condition called Average to business insurance policies. This means that in the event of a claim if there is under insurance (not insuring for the full value at risk) insurers will reduce the amount of any claim settlement in the same proportion as the sum insured bears to the total value at risk.

Please contact us to discuss further on 01934 522252.

Published on 11th December 2018

We are delighted to announce that Simon Gundry-White has joined Birnbeck. Simon has been working in insurance for over 18 years  and joins us as an insurance consultant.

He brings a wealth of experience in motor, home and travel insurance and will also be assisting clients with landlords insurance.

Simon can be contacted on 01934 522252 or simon@birnbeck.com

Published on 21st November 2018

Ask yourself what part of your business is not reliant on digital systems? If a cyber attack meant that all parts of your business that use digital systems could not function what could you do? Not much will be the answer for most businesses.

Cyber insurance is there to keep businesses trading in a world where digital systems dominate.

What does cyber insurance actually cover?

  • Hackers stealing data or locking your systems and demanding a ransom to release it.
  • It covers against fines and penalties that businesses will incur if they are assessed as non compliant on data protection or privacy.
  • It covers against viruses that paralyse systems and covers loss of income while they are being restored.
  • Cover against the accidental loss of data – followed by legal action by customers.
  • Most importantly it provides an incident support service by cyber experts to identify the extent of the problem and the most effective solution.

Please contact Stuart or Lorna to obtain a quote or discuss further on 01934 522252.

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Many nurseries are now including Forest School sessions as part of their offer. This can prove problematic with many nursery policies including restrictive conditions and exclusions relating to delivery of Forest School sessions. Birnbeck has considerable expertise in providing insurance for Forest School and Outdoor Learning Practitioners and we can arrange suitable and competitive insurance for nurseries.

 

Birnbeck can assist nurseries in obtaining cover for forest schools including the use of fires and sharps to give you peace of mind that you are insured correctly.

 

Please contact Tracey or Lorna to obtain a quote or to discuss further on 01934 522252

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Inaccurate building sums insured is a big problem for homeowners, landlords and commercial property owners.

Every week in the U.K. property owners suffer the consequences of failing to insure their property for the correct rebuild cost.

In some cases this can lead to businesses and homeowners suffering significant uninsured losses totalling many thousands of pounds.

On the flip side some policyholders are over insured and paying too much for their building insurance cover.

Birnbeck and other members of The Purple Partnership have teamed up with Rebuild Cost Assessment to provide a cost effective solution for this problem.

Traditionally rebuild cost assessments were performed by site visits and can be costly.

Due to technological advancements and the widespread data now available the accuracy of remote assessments has improved tremendously. This backed up by an experienced team of assessors means that a reliable and insurance industry trusted assessment of rebuild cases can be produced.

In some cases such as complex or unusual buildings a desktop assessment may not be suitable. In this scenario a quotation for a site assessment will be offered instead.

Please contact us on 01934 522252 for further details

Published on 6th September 2018

Credit insurance safeguards your business against the failure of your customer to pay their trade credit debts. Upon one of your buyers becoming insolvent an insurance policy can pay up to 90% of the debt due to you.

An insurance policy can also offer a useful credit information service due the data customers can access via a specialist insurer’s online information system.

Without credit insurance 76% of time once a debtor goes into liquidation you will unable to recover any amounts owed.

Please call Stuart or Lorna today to discuss on 01934 522252.

BIBA (British Insurance Brokers Association) Purple Partnership

Copyright © 2019 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

Our industry’s ombudsman is the Financial Ombudsman Service
We are authorised and regulated by the Financial Conduct Authority
FCA Registration Number: 125599
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