It has been a long time coming but it is finally here. The new look Ashburnham Insurance website went officially live today. If you haven't seen it yet, take a look now at www.ashburnham-insurance.co.uk.
Initially you will notice the new layout, menus, pictures and the different colours we have used. We are still transferring a lot of the old pages over to the new site so you may find that your browser will display the old look site on some of the pages and the new look site on others. Functionality is still 100% regardless of what page you are on. The update is continuing behind the scenes so keep checking back for new content and other updates.
Feel free to give us your feedback on how you like the new site (good or bad!) and any features you would like to see in the future.
Being a Bricklayer you will understand that there are many risks associated with the trade and as such it is crucial to have liability insurance in place.
What are some examples of possible liability claims for a Bricklayer?
• Whilst working you accidentally damage a third parties property (e.g. you go into someone’s property and accidentally knock something over)
• Whilst working you accidentally damage a third party (e.g. you leave a toolbox lying around and someone trips over it)
These are just two examples of what could quite easily happen in the day to day job of a Bricklayer. The costs for such liability claims can obviously be quite substantial which is why the indemnity limits for liability insurance are generally so high. How much is will it cost for liability insurance for Bricklayer?
Generally speaking, liability insurance for a Bricklayer can be purchased through ourselves at very competitive rates whether its just public liability for yourself or if you have employees and need employers liability.
Unoccupied property insurance is insuring your property (by insuring your buildings, your contents or both) whilst you are not actually living in the property. There are a few types of insurance that you can get for this circumstance ranging from insuring the property before a tenant moves in to insuring a property that you are going to renovate and then sell on.
If you get the basic level of cover then it will cover the buildings and contents from any cases of fire, lightning, earthquake, explosion, aircraft and subsidence damage. This is the standard level of cover on unoccupied property insurance and will protect the property and the things that you have left in there. This insurance is usually more expensive than most property insurance as the property is at a higher risk of incurring damage as there will be nobody in the property to notice any damage immediately after it has happened.
The second level of cover will cover all the things in the basic cover level but will also include things such as storm, flood or weight of snow damage, escape of water and escape of oil and collision by any animal or vehicle. This level of cover is one that will cover a lot of the perils that may happen but leaves out cover for things such as theft or attempted theft or malicious damage. You can get these last two perils covered by choosing level three cover which will cover an unoccupied property for the same things that it would if the property had someone living in there.
Due to the levels of cover the premium that you pay will increase as you get the higher levels of cover on the policy; this is due to the higher likelihood of their being a claim on the policy the more things that it covers against. There are also certain things like subsidence that are covered on all the policies apart from if you are selling the property as the insurers will not cover a long term peril such as subsidence if you are planning to sell the house on.
The excess that you may pay on this type of policy may be higher than the standard one hundred pound excess simply because of the higher risk; therefore you may be given either a two hundred and fifty pound or five hundred pound excess whilst the property is unoccupied. If the property is vacant but will be let out eventually then there may be a time limit on the policy in which you must find a tenant and get them in to occupy the property, this is generally a ninety day time limit and if you choose that policy and then don’t get a tenant in time then the insurer will cancel the policy and you will lose cover after the period is up.
So if you have a vacant property that you want to insure it then follow this link to get a quote for unoccupied property insurance.
A product we have been offering for some time has now been made available for our online customers. Tenant's contents insurance is a policy specifically designed to meet the needs of tenants in rented properties. As a leading landlord insurance provider in the UK, we have always met the insurance needs of the property owners but now it is time to extend this service to those who actually reside in their properties.
We have just launched a new trade search facility for our liability quote website. This will enable users to start typing what trade they are seeking public or employers liability for and then be presented with various options depending on what has been typed.
Click thumbnail to see a website snapshot of the trade search in action
With an ever increasing number of trades, we have felt the need to offer our customers a new trade search facility. When we first started our online liability quote website we had less than 100 trades and a simple drop down list seemed to suffice the needs of its users. As time has gone on, we have gradually added more and more trades and now find this list topping 200 trades. There is also a queue of other trades waiting to go on the list that could easily see this being several hundred more!
We have realised that a drop down list is no longer practical and have changed this to an instant search facility where the user begins typing in their occupation and then after a few letters the system beginnings to predict what trade you are looking for. If more letters are typed, the list is whittled down until a user finds exactly what they need or they can stop at any point to browse the list and simply select the one they are looking for.
If you have any feedback on the new system or any other suggestions then please feel free to email website support from our contact page.
Following our blog post last month (New IPT rate begins), it is now the 4th January 2011 so all premiums shown will now be at the new higher government imposed insurance premium tax rate of 6%.
Just a quick message to all customer obtaining new quotes from us. You will begin to notice differences in premiums quoted for policies with inception dates of the 4th January 2011 and later. This is due to the change of Insurance Premium Tax by the Government on this date from 5% to 6%.
With the way insurer accounts work, some policies will apply the higher rate based on the inception date of the policy (i.e. the date cover commences) whereas others will base it on the transaction date (i.e. the date you take out the policy regardless of when it starts). This means that the next few weeks leading up to deadline date, some quotes will incur the new higher rate of tax while some do not. From the 4th January onwards it is more straight forward as all policies will be at the new rate.
At the time of writing, we are not aware of any forthcoming rate changes by our insurers so the apparent increase in premiums will purely be due to the higher tax rate that you are paying.
