Choosing the right Car Insurance

Most kinds of insurance are optional, but of course car insurance is one of the few insurances that is required by law.  As you are probably aware there are a whole host of ways to find car insurance, whether you have a family car, a classic car, a hatchback or a SUV, so it can be difficult to know where to start looking.

Firstly you need to provide the correct information such as:

  • What is my no claims discount and where do I find it?
  • What is a conviction and how long should I disclose this for?
  • I cannot remember the exact model of my car
  • My partner has had an accident in a different car, does this need to be disclosed?

By using a long established broker like Baslow Insurance Services Limited they will assist in answering these questions, thus providing the insurance company with the correct information, so ultimately ensuring that any claim made by you, or against you will paid out.

 

How you can get Car Insurance

man driving a car looking relaxedBaslow Insurance will forward the information gathered to the insurance companies that they hold agencies with and receive quotations from these companies.  All these companies are authorised and regulated by the Financial Conduct Authority.

They will then run through the various options available and discuss the different factors to get the best level of cover at the best price.  This will help you make an informed decision taking into consideration:

  • Which type of cover you require – third party, third party, fire and theft or comprehensive.
  • Excesses – compulsory, voluntary, or both
  • Protection on my no claims discount, yes or no?

Baslow Insurance will take steer you through the complexity of car insurance.  If you would like more information on our insurance services please call us today on 01629 813897 – or email us via web form with your enquiry.

Do you know if your holiday home is safe when you aren’t there?

Holiday homes are still highly popular, and it is easy to understand why – they are a superb idea for families and couples to return to regularly, ensuring that they have a base and means of accommodation rooted in a pleasant location. They can be a lucrative purchase and incredibly sought-after – all the more reason why homeowners want to want to protect their assets as much as they possibly can; but just how easy is it to protect your holiday home, and is there a solid set of reasons behind wanting to do so?

Why would I need it?

Think of your holiday home as your own day-to-day property – how comfortable would you feel if you left your main property unattended for most months of the year? It’s likely that you’d want someone to cast a watchful eye over proceedings when you’re not able to. You’re unable to predict exactly what will happen to property that you leave standing for several months of the year – meaning that anything may happen behind when your back is turned without your knowledge. How will you be able to combat theft, vandalism or other crime many miles away – and how easily would you be able to prepare for natural damage? The cost of repair and recovery may stretch well beyond any budgets you already have set in place – meaning that it is always worthwhile bearing in mind what you can do to protect yourself in the eventuality of the worst possible case scenario.

What will you get from it?

You cannot be expected to keep your eyes on your holiday home at all times, meaning that it is highly likely that you will benefit from a comprehensive insurance policy that provides you with peace of mind and a financial safety net for any potential outcome. An insurance policy protecting your holiday home will allow you to repair or recover any loss or damage. We never like to leave for home while enjoying a holiday – and the right holiday home insurance will ensure that you never feel too anxious about having to leave your assets behind to return home. No one really knows what the future holds – and the benefit in any kind of insurance lies in its ability to protect you against the worst possible case scenario, regardless of whether or not we want to think about it.

Baslow Insurance can source holiday home insurance to suit your needs and have access to policies to suit a wide range of people, businesses and for a whole host of reasons – if you are concerned about the safety and status of your holiday home while you’re away, the best possible option is for you to cover your assets as far as you possibly can. For more information on our products, services and how we can make obtain an insurance package that works for you, contact us today on 01629 813897 or email us via web form so that we may get back to you.

How you can protect your livestock with more than just a fence

Running a farm is a huge investment, both in terms of time and money – meaning that, if you’re running matters alone, it can be a huge drain on resources.  If you’re managing a farm as a family or on behalf of a business, farm management requires all hands on deck – and without dedicated insurance in place to protect your livestock and your produce, you may be at risk of losing the fruits of your long-invested time and labour which is why you should consider taking farm insurance.

How farm insurance protects you

Farm lifeThe fact of the matter is, no matter how high your fence may be, you never truly know what to be prepared for.  The benefit of insurance of any kind lies in its ability to cover you for a whole host of eventualities – ones which can arise as a result of accidents, malicious damage or even environmental problems; to protect against one or two eventualities alone may not be enough to protect your livelihood completely.

Livestock and animals can also be insured meaning that you don’t lose out on money or business should any animals or livestock become ill, go missing, or worse. You will be covered up to a certain amount, with a policy excess and endorsements applying, in the event of anything occurring.  Animals can be as unpredictable as the weather – and if you have a financial safety net in place to ensure that they can be cared and catered for should the worst occur, you have one less issue to worry about.

Anyone running a farm will know that it is a full-time lifestyle and it therefore makes sense to have something in place to assist with any potential financial problems that may occur at an unseen point in the future.  A farm insurance policy will enable you to look after your farm without fear of losing business or money along the way – and will also allow for any animals that you care for to be looked after in the event of any nasty surprises.

If you’re running a farm and are looking for insurance cover to meet your needs Baslow Insurance can help.  We can arrange an insurance package to suit your needs. For more information on our farm insurance and how we can cover you, please call 01629 813897 or email via web form – and we will be back in touch with you as soon as possible.

Hospitality insurance, who will it protect?

Running a public business can come with a number of great responsibilities – whether you’re providing a service, leisure, food or drink, you legally have a duty of care to your customers on the basis that you could be held responsible for any accidents or illnesses that may incur on your premises as a result of your products or service.  Furthermore, it’s also important to remember that, while we don’t like the worst to happen, there is no sure fire way of protecting your business or your livelihood against incidents, accidents or even malicious attacks that could put you out of work for a considerable amount of time.

This is where hospitality insurance comes in. Think of it as a safety net against the elements – should your business need to close down for any period of time due to circumstances beyond your control, the right hospitality insurance policy will ensure that you don’t lose out on any potential earnings – providing, of course, you meet a certain set of criteria.  In addition to this, in the event of a legal challenge or loss of earnings or products, you can be assured of financial backing and support so that you aren’t left scraping the bottom of your bank balance for pennies to fund the absolute worst case scenario.  But this of course begs the question – is hospitality insurance right for you and your business, and how can I be sure that I am covered?

What is Hospitality?

‘Hospitality’ is an umbrella term that essentially covers a wide range of public services in the leisure industry – from restaurants and cafés to bars and hotels – essentially, if you are providing hospitality to customers – that is, if you are offering room, board or meals and drinks, you are liable for ensuring that their stay or experience is both satisfactory and certain to avoid bringing them harm.  Hospitality, in a word, requires you to be hospitable – to offer guests rooms, food and refreshment for a fee – based on prices you set and terms that you make clear to patrons as they enter your establishment.

Hotels, public houses, wine bars and even delis all hold this umbrella term in common – but as they are all, ultimately, very different forms of public hospitality, it is wise to look into buying the correct insurance package for your area of business.  After all, the coverage that may work for a bar or pub may not necessarily stretch so far for a hotel or restaurant.  Essentially, if you are providing a service to customers in the form of accommodation and/or food and refreshment, you are part of the hospitality industry – and hospitality insurance will make sure that you are protected financially at all times.

For more information on the different types of hospitality insurance available through Baslow Insurance, simply call us today on 01629 813897 or email us via our web form – and one of our team will be back in touch with you as soon as possible.

Things to look for when choosing a good insurance brokerage

When considering taking out insurance you may still be tempted to browse price comparison websites to find a cheap and agreeable deal.  However, if it is a fairly unique or otherwise specific area of insurance you are looking for, it is highly likely that you will benefit from looking into using an insurance brokerage instead – as there are a number of reasons as to why this will make practical and economic sense.

Price comparison websites may be considered the best way to find affordable deals, but that isn’t necessarily always the case – firstly, it’s likely that the majority of policies offered via such a platform will offer a broad range of coverage – meaning that your aim for specific insurance may well be lost in a mire of a catch-all policy that may require you to pay out for more than you need to.  Therefore, an independent insurance brokerage may be more likely to offer you dedicated cover with more value for your money.

Analysis done by a reliable insurance broker

But what necessarily makes for a good insurance brokerage?  While there may be thousands of insurance brokers nationwide, working on an independent basis, only the best will be able to offer you as specific coverage as possible.  A reliable insurance broker should be able to analyse your needs and tailor a package that will ensure that you only pay for what you need – and their terms and inclusions will be transparent for all to see.  A good broker should be able to sort through the tangled webs of insurance to help you whittle down a package to the best possible fit for you and your needs.

A good insurance brokerage is also measured by how much interest they take in your circumstances in order find you the best possible cover.  Not only will they be able to analyse and compare prices and policy features with you, but they will also take into account any pre-existing policies you may already have arranged.  Finding an insurance broker that works well for you will largely depend on your needs – a good broker will be able to analyse, research and build an affordable and bespoke package for you that you will benefit far more from than with a catch-all solution.

Specialised brokerage

A good insurance brokerage is not only marked by the work they do for you on your behalf, but also by the scope that they can cover – the best brokers can work hard to tailor an insurance package that meets your needs, making it well worth your while to consider looking for an independent source before taking the plunge with a seemingly affordable option via a larger carrier.

For insurance policies and analysis to help you find cover for any asset in your life or work, Baslow Insurance Services will be pleased to offer assistance.  For more information on the insurance packages we offer, or for a friendly discussion to help you find the cover you need, call us today on 01629 813897 – and our insurance brokerage team will be more than happy to discuss any concerns you may have at your convenience.  

Why you must consider café insurance for your café

Cafe and barRunning a business of any kind can be stressful work – as there are a number of different areas to manage and hoops to jump through just to ensure that your customers are happy and that you’re making a profit.  The same will go for if you are running a café – a public service which provides food and refreshment to visitors needs to ensure that it is not only offering delicious menus most days of the week, but it also needs to keep the balance in terms of charging too much, or too little.  There’s a lot more that goes into running even the tiniest of cafés than many would initially think!

We therefore believe it is important that you consider taking on café insurance for your business as soon as possible – while you may have insurance for your home, your car or your pets, business insurance of this kind is slightly different in that it will act as a safety net should your café be hit by any problems or concerns beyond your control – or any difficulties that could result in a loss of business or custom long-term.  Problems such as flooding, internal damage, criminal acts such as theft, vandalism or worse all have knock-on effects for business big and small – and even a day out of action for a café makes a considerable dent when it comes to the month’s final takings.

How you could be covered?

Café insurance can ensure that you receive financial reparation and backing if your business suffers a hit or a loss as a result of circumstances beyond your control, and you can also receive legal support in the form of protection and support in the event of a loss of licence, employer and public liability, and any accidents on the premise that may cost you dearly from your own takings if you chose not to take out this cover.  Café insurance is important if you aim to prepare yourself for any eventuality – and while none of us like to think about the worst ever occurring if we can help it, making sure that you have the financial and legal backing should you need it is an extremely wise move.

If you are in the process of setting up a café, or if you have been running an establishment for some time but have not yet considered the benefits of café insurance, now is certainly the best time to consider taking out a policy.  We will be happy to provide you with a quotation, after surveying the market using our range of insurers, to provide you with a package which best suits your needs – this will then be considerable peace of mind for you should you find your café at risk of losing custom, following a claim.

For more information on the café insurance plans we can provide and other insurance options available for businesses, call Baslow Insurance Services today on 01629 813897 – and our team will be ready and willing to help find the insurance package tailored for you.

Cyber and Data Insurance

Cyber and data insurance is designed to support and protect you from evolving e-risks. It provides comprehensive cover for your computer systems and data, whether electronic or non-electronic. The insurance can provide cover for claims made against you during the period of insurance arising from your cyber or data liability, up to the limit of indemnity shown in the schedule, and can also include your legal defence costs incurred if this option is selected.  The insurance can provide cover for your own losses arising from cyber or data incidents occurring during the period of insurance, up to the limit of indemnity shown in the schedule.

You can choose which risks you are protected against; for example:

1. Breach costs

Which are losses incurred by you if you suffer from the unauthorised access, use or disclosure of personal data, these can include:

  • the costs of outside computer forensic analysis to confirm the breach;
  • legal costs incurred in managing the breach;
  • costs incurred in notifying data subjects and any regulatory body, if required;
  • credit monitoring costs, where required.

 

2. Cyber business interruption

If your business suffers from an interruption as a result of a cyber-attack from a third-party or a hacker, the cover can include:

  • your loss of income, including where caused by damage to your reputation;
  • increased costs of working.

 

  1. Hacker damage

If you discover that you have been the subject of a hack, the cover can cover the loss caused by:

  • damage to, corruption or misuse of your computer systems or programs;
  • copying or stealing of your programs or data held electronically.

 

  1. Cyber extortion

If you receive a threat from a third-party to damage your computer systems or disseminate commercially sensitive information, following unauthorised electronic access to your systems, the cover can include:

  • the cost of any ransom demand;
  • the value of any good or services surrendered.

 

  1. Privacy protection

If a claim is made against you for breach of personal data or sensitive commercial information, the cover can include:

  • compensation payable as a result of the breach;
  • the amount of any regulatory award against you, where legally insurable;
  • any PCI charges for which you become liable as a result of the breach;
  • the costs incurred in defending a regulatory investigation or prosecution;
  • the costs of outside computer forensic analysis to confirm the breach.

 

  1. Media liability

If a claim is made against you arising from the content of your email, website or other electronic communications as a result of alterations made by a hacker, the insurance can cover compensation and defence costs where the claim is for:

  • infringement of intellectual property rights;
  • defamation;
  • negligent transmission of a virus.

If you want to know more on what you are covered by with Cyber and Data Insurance, call Baslow Insurance on 01629 813897