Getting Chilly? InsureEasy have a few tips so you can enjoy the winter season in comfort.

8-indoor-activities-for-you-this-winterENJOY THE WINTER SEASON IN COMFORT

Your home is made of sturdy stuff, but it does need a little extra help in winter. There are a few measures you can take to make you home more comfortable and reliable in the winter months.

Some of these measures will take five minutes, if that, some a little longer, but all could save you time and expense further down the line.

Take note of some, or better yet all, of the handy hints and tips below, to give your home the best chance of withstanding the strains of winter, inside and out:

Inside

Chimney – Chimney fires are easily preventable, yet there are thousands of them in the UK every year. A clean chimney doesn’t catch fire, so before your get the fire lit, have your chimneys swept to minimise the risk. Check your smoke alarm and carbon monoxide detector regularly.

Boiler – By making sure your boiler is checked before you demand a lot from it over the winter, you’ll lower the chances of either a very cold house or a potentially very expensive call out charge to fix it if it breaks down.

Bills – It’s inevitable that your bills will go up during the colder darker months, but you can keep a handle on this with a few helpful hints.

  • Vacuum the coils at the back of your fridge for greater efficiency.
  • Bleed you radiators by opening the valve until water appears to improve their function, and put foil behind them to deflect heat back into the room.
  • Add draft excluder strips to the doors and windows use fabric blinds and curtains to minimise draft from windows.

Pipes and tanks – Leaving your heating on a low level will help prevent your pipes from freezing and potentially bursting. If you’re going away for a few days, keep your heating on a timer and your loft hatch ajar to prevent the pipes and water tanks above from freezing. A mix of salt and warm water can make short work of a frozen drain.


Outside

Paths – Wet leaves and ice turn a simple route to your front door into one fraught with slip hazards. Keep a shovel by your front door to free up your path of leaves and snow, and scatter cat litter to clear any ice. Unlike salt, it won’t kill your plants.

Taps – You can’t protect external taps with your central heating, but you can lag them to prevent them from freezing and bursting.

Ponds – If you’re expecting a freeze, put a tennis ball in your fish pond beforehand. When the surface is frozen, take the tennis ball out to let oxygen into the water.

Trees – Autumn and winter are good times to trim back trees when most are free of leaves. Low hanging branches could present a hazard in a storm.

Roof – Check your roof for broken or cracked tiles to ensure that none come loose during strong winds and to keep any rain or snow from coming in.  

Aerials – Likewise, an aerial or satellite dish that’s not well secured to your property has more chance of coming loose and causing damage during a storm so make sure this is tightly fixed. Secure your TV aerial or dish before the cold weather really starts to bite, so it’s less likely to come loose in a storm or heavy snowfall.

Gutters – Clear your gutters of leaves so they don’t become blocked. Keeping on top of this can prevent them from overflowing.

Security – Longer nights give criminals more opportunity to operate under darkness. Check that your outside lights are working and gates and fences are solid and secure.

Emergency kit
Prepare for household hiccups with a bag or box containing the following items:

  • Candles, matches and torches
  • Spare batteries and fuses
  • Insulation tape
  • Screwdriver
  • Radiator key
  • Number for go to plumbers, electricians, and either your insurance broker or insurance provider


What your insurance can cover
Storm damage, boiler breakdown, home emergencies, and public liability – so if someone slips on your pathway or a branch from your tree falls on your neighbour’s car, you’re covered.


What it won’t cover
Normally anything that has occurred through poor maintenance, such as unblocked gutters that subsequently cause water damage to the building.

For more information on how we can save you money on your home insurance, please feel free to contact us on 01737377250 or visit http://www.insureeasy.co.uk

 

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Getting Chilly? InsureEasy have a few tips so you can enjoy the winter season in comfort.

WILL YOUR BI INSURANCE COVER CYBER CRIME?

WILL YOUR BI INSURANCE COVER CYBER CRIME?

computer-network

Connecting your business to the internet could be seen as similar to opening a window in your house and then going to the shops – leaving a ‘window’ of opportunity open for criminals.

UK businesses have seen a 22% increase in cybercrime in the last 12 months, according to Get Safe Online. These cyberattacks are reported to have cost more than £1bn in losses.

You might already have protected your business from unexpected bumps in the road with Business Interruption Insurance, but will this cover you against cybercrime?


What is Business Interruption Insurance?
Business Interruption Insurance can help with the financial ramifications of not being able to operate business-as-usual for a period of time.

These ‘interruptions’ would typically be fire, flood or theft – unforeseen circumstances and emergencies that left a business unable to use its office or equipment. The problems could be IT related, for example, or due to a third party issue, such as a gas leak further down the street which led to your office being evacuated.

As well as helping cover the costs of lost business caused by the emergency, this form of insurance can also help curb the costs incurred, for example, helping to cover unexpected expenditures, such as a temporary office location or replacement equipment.


Is cybercrime covered?
If your business holds customer data – particularly sensitive data such as bank information and addresses – processes payments, or uses IT systems that are essential to the way it conducts its business, then it might also be worth considering Cyber Insurance.

While large multinational organisations often have a team of specialists at their beck and call, SMEs are often expected to get to grips with the risks themselves, meaning that there are limitations as to how effectively they are able to understand the potential pitfalls.

A standard Business Interruption policy won’t cover cybercrime if nothing is physically damaged in the attack, meaning that a company could be leaving itself open to problems if it doesn’t invest in a more conclusive policy.

If the business is online too – and sells products or services on the internet, then there is a whole selection of liabilities and risks which it is exposed to which wouldn’t typically be covered by a Business Interruption policy.


Cybercrime – how can you protect yourself?
Cybercrime is a hot topic – the Cyber Risk Survey Report 2016 revealed that 81% of larger companies and 60% of SMEs were affected by a cyberattack in 2014.

Policies for SMEs would typically cover damages in the region of £100k to £5 million, although if you feel there is more at risk, there are speciality policies which cover higher amounts. The effects can be costly – TalkTalk’s hack in October last year is thought to have cost the company around £60m and led to the loss of 100,000 customers.

Pitfalls from cyber-attacks could include things such as potential service interruption and the theft of customer data from your servers, which if known to the public could cause a costly hit to a company’s reputation. If you trade online, for example, an interruption in service due to cyberattack would have a significant effect on your profits because customers would not be able to make orders while the site was down.


An evolving sector
As far as insurance is concerned, this is still a very young area. But experts are reminding policyholders to ensure that they take out the right policy for their business and its unique potential cyber risks.

16th century clergyman Joseph Hall once said, “A reputation once broken may possibly be repaired, but the world will always keep their eyes on the spot where the crack was.” It’s the same with cyberattacks – once a company has been targeted and admitted fault, its reputation takes a hit. This reputation damage can have a significant ‘cost’ to the business, so it’s important to bear this in mind when taking out coverage.


What other insurance might you need?
As well as protecting a business against the possibility of business interruption and cyberattack, it’s also worth considering liability. Liability Insurance could cover anything a business owner or employees might do which could cause harm to others.

This could go hand-in-hand with cyber insurance because it’s possible, for example, that an employee’s negligence could be responsible for a data leak.

Brokers need to make sure that they are up to speed on the industry trends and emerging issues so that they can correctly advise clients on the best policy for their needs.

Want to protect your business from cyber risk? 

Contact us on 01737377250 to speak to a specialist broker today. 

WILL YOUR BI INSURANCE COVER CYBER CRIME?

RISKY BUSINESS – IS YOUR HOME AT RISK OF FLOODING?

flooded-house

Home is where the heart is… not to mention all of your hard-earned furniture, technology, and reams of valuable personal possessions. Nothing could be more devastating than a bout of adverse weather flooding your house, causing devastating damage to both property and possessions. Yet a recent study by the Association of British Insurers (ABI) has revealed that fewer than one in three people researched the flood risk of the property before buying their current home.

The insurance industry hopes to raise buyers’ awareness of flood risks by introducing a set of traffic light-style green, amber and red symbols on property adverts, aiming to inform or warn buyers of the properties’ status before they buy. It has been predicted that one in six properties would be labelled amber or red.

Unsurprisingly, this idea is less than desirable to estate agents, who have voiced fears that potential buyers may be put off from viewing those properties deemed at risk, and possibly rendering a section of the market unprofitable.

However, the proposal may be a positive step towards raising awareness and motivating homeowners to protect their properties. In order to provide full and accurate cover, insurers need to assess the likelihood of incidence and severity. Although flood insurance usually forms part of buildings and contents insurance policies, areas at risk of flooding will likely have much higher premiums or need specialist cover.

Last year, extensive flooding across Northern England topped £5bn worth of damage, with up to £1.5bn insurance claims made as a result. Director of general insurance at the ABI, James Dalton, said: “As the floods of last winter reminded us, being flooded is horribly traumatic and can leave people out of their home or business for months. Anyone whose property is at flood risk needs to be aware of that, so they can take steps to protect themselves.”

Considering whether that seemingly perfect new property is on a flood plane is often not at the forefront of buyers’ minds. Purchasing a house is an exciting time, and with plenty to sort out it often gets forgotten, unless it gets flagged during searches.

So what can you do to make sure your home is safe? Whether or not you feel your home is at risk of flood damage, checking the flood terms of your home insurance is vital to feeling you would be covered should it happen. Remember that obvious bodies of water are not the only clue to look out for – in fact, the Environment Agency estimates that there are 5.2 million properties at risk of flooding in England from either rivers, the sea, surface water or various combinations.

Read your policy documents to ensure you know what you can and can’t claim for. You may be able to get damaged items replaced or be helped with the cost of builders and professional clean-up services. Before the loss adjustor visits your property, it may be a good idea to take photographs and video of the flood damage and list details of what’s been affected.

If you are currently buying a house, make sure you do as much research as possible into the property and area beforehand. The Environment Agency provides flood risk information broken down by postcode on its website. A broker, such as InsureEasy.co.uk, could offer a helping hand should you find that your insurance needs might be a little more complicated as a result.

 

Contact use today on 01737377250

RISKY BUSINESS – IS YOUR HOME AT RISK OF FLOODING?

InsureEasy is now OPEN!

 

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The premises formally known as “Studio 7” is now occupied by Commercial Insurance Services Trading as InsureEasy.co.uk

InsureEasy.co.uk is part of the CISL group. We are an independent insurance brokers that have been established for 19 years, the last 11 years of which we have been trading from our offices in Banstead.  We already take care of the Insurance needs for many Banstead businesses and residents.

You might be asking yourself, 11 years? Why have I never heard of CiSL?! Well the answer is simple, our original offices are directly above Cubitt & West Estate Agents and not having a ground floor presence means that, to some, we have gone unnoticed!

All has changed! – We now also occupy the building at the rear of Cubitt & West once known as “Studio 7.   This will be home to InsureEasy – our online hub and a place you can come and have a cup of tea whilst obtaining a very competitive Insurance quote – whether for your business or for you personally.

No matter what type of insurance you require, we have access to most of the insurance market and can find the right insurance at the right premium with wide cover and backed up by an excellent claims service.

So next time you are passing whether you need an insurance quote, advice or even just to log you renewal date with us – pop in for a friendly welcome.  Our doors are open 9am-5pm Monday – Friday. Alternatively you can call us on 01737 377250.

 

See you soon!

 

The CiSL Team

InsureEasy is now OPEN!