Is your garden safe this Summer?

Commercial Insurance Services Ltd home insurance
Is you garden safe?

 

Spring is creeping ever closer and it will soon be time for the clocks to move forward to summer time. For many, the increased daylight hours and rising temperatures will be the signal to dust off the lawnmower, dig out the patio furniture and fire up the barbeque. But are you sure that all your garden gear is safe from opportunists?

The criminal hit list

According to research by Lloyds Market Home Insurance, valuables such as patio furniture and garden tools rank high on the hit list of opportunistic thieves, but too many of us fail to secure such expensive items. As a result, last summer there was a 12% increase in the number of unforced burglary claims made to the insurer compared with the winter months. The average claim added up to around £900, which is not an insignificant sum.

Claims are also likely to get more expensive: according to Lloyds Bank Insurance’sBritain at Home Report, UK households spend around £366 every year on garden items, with those aged 25-34 spending over double this amount (£747). Such spending is on the rise, with 33% of homeowners questioned saying that they spend more money on their gardens now than five years ago.

However, despite our growing love of gardens and garden furniture, over a third of respondents admitted that they have no secure lock for their garden, while a quarter (24%) confessed that none of their outdoor items was insured. This could mean that many homeowners face the possibility of forking out a large sum of money to replace stolen items.

Commenting on the research, Tim Downes of Lloyds Bank Insurance said: “We know that the majority of thefts from gardens and sheds are opportunistic, so it is worrying to see so many people leaving themselves exposed by investing in gardens without adequate insurance.

“When it comes to protecting our properties, homeowners must remember that what’s on the outside also counts, so taking some small easy steps could help prevent having to stump up for lost garden goods should the worst happen.”

Keeping garden items safe

So how can you deter thieves from helping themselves to your expensive garden goodies? Here are our top tips for keeping all your outdoor items safe.

  • Lock it. Invest in a secure lock to bolt up your garden shed, garage, gates and outhouses. It’s also a good idea to check your fencing for gaps, and to see whether anyone could push past your garden bushes.
  • Make it heavy. Loading the base of your patio furniture can make it harder for thieves to carry it away – use stones or bricks to make them weighty enough.
  • Mark it. Take photos of all of your furniture and outdoor items, and then make sure you write your postcode on everything. This way, you will be able to identify what’s yours if it goes missing, or it could deter someone from carrying it off in the first place.
  • Form a fortress. If you can’t block access to your garden with a locked gate, then using spiky plants or building high walls can help to put opportunists off.
  • Use gravel. A gravel path in the front of your home can make a stealthy approach much more difficult.
  • Put it away. Leaving BBQ’s, lawnmowers and bikes out in full view is asking for trouble – lock them away out of sight. Remember that garden tools and ladders could be used to break into your property.
  • Insure it. Last but not least, insure valuable items. Replacing stolen goods can be an expensive business if your items aren’t protected, so save yourself the hassle by topping up your home insurance.

For a competitive quotation visit http://www.cisl.co or call us on 01737 373222 we can asses your risk and give you a quotation with in minutes!

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Is your garden safe this Summer?

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!

 

image1.JPG

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!

WHY USE CISL? WE DO THE HARD WORK SO YOU DON’T HAVE TO!

Insurance Broker Advantage

Whatever type of insurance you’re looking for, arranging your cover through an independent insurance broker – rather than a do-it-yourself price comparison site – is your best bet when it comes to finding the right level of cover at the right price.

On the face of it, price comparison sites offer great deals, especially when cost is the main consideration. But dig a bit deeper, and there are lots of reasons why using a broker can prove a very wise choice. The main benefits include:

  • you’ll get truly independent advice from the professionals
  • they’ll work hard on your behalf and shop around to get you the best deal
  • experienced staff with specialist knowledge of their chosen insurance sector
  • a broker knows the insurance market and recognises when you’re getting value for money and can negotiate on your behalf
  • you get personal advice and support, and have an insurance expert “in your corner” with your best interests in mind
  • you can ask questions, air concerns and get advice and recommendations – but still have the final say
  • you learn about the pros and cons of each option in a way you can understand
  • unlike an agent, an insurance broker deals with many companies, not just one, so they can find you the best value
  • insurance brokers are extremely well qualified, and must meet very high professional standards
  • in-house claims support is available if the worst happens

The personal touch

There’s nothing quite like dealing with someone who takes the time to get to know you and your circumstances. Independent insurance brokers provide that personal touch. At the same time, customers still benefit from competitive rates and some of the best deals that the broker can negotiate because of their established relationships with the UK’s leading insurers.

For peace of mind and a great deal on your insurance, call your CiSL today on 01737 373222 or Visit http://www.cisl.co

WHY USE CISL? WE DO THE HARD WORK SO YOU DON’T HAVE TO!

Is your unoccupied property safe and secure? We insure for both commercial and privately let properties.

un occupied property insurance
affordable un occupied property insurance

 

One of the most visible signs of a recession is the number of unoccupied premises, both on the high street and in our neighbourhoods.

The likelihood of damage or injury arising from empty buildings is high, even if they are only vacant temporarily, such as prior to their sale or refurbishment, and it is the responsibility of the property owner or lease holder to make sure the building is secure and properly insured.

Common problems include theft of contents, fixtures and fittings, vandalism, fire, fly tipping and occupation by squatters. Empty buildings are also at increased risk of water damage due to inadequate maintenance and repairs.

Owners have a legal ‘duty of care’ to third parties entering empty premises, whether they are employees, estate agents, surveyors, buyers and even trespassers, and it’s vital that you tell your broker immediately if a building you own or occupy is vacant, even if temporarily. This could result in higher premiums, but the consequences of not being properly insured and an incident of this nature occurring can be serious.

For more advice on insurance for unoccupied properties, call one of our brokers today on 01737 377250 or visit www.cisl.co for more details on how to become protected.

Is your unoccupied property safe and secure? We insure for both commercial and privately let properties.

Is your garden safe this Summer?

Spring is creeping ever closer and it will soon be time for the clocks to move forward to summer time. For many, the increased daylight hours and rising temperatures will be the signal to dust off the lawnmower, dig out the patio furniture and fire up the barbeque. But are you sure that all your garden gear is safe from opportunists?

The criminal hit list

According to research by Lloyds Market Home Insurance, valuables such as patio furniture and garden tools rank high on the hit list of opportunistic thieves, but too many of us fail to secure such expensive items. As a result, last summer there was a 12% increase in the number of unforced burglary claims made to the insurer compared with the winter months. The average claim added up to around £900, which is not an insignificant sum.

Claims are also likely to get more expensive: according to Lloyds Bank Insurance’sBritain at Home Report, UK households spend around £366 every year on garden items, with those aged 25-34 spending over double this amount (£747). Such spending is on the rise, with 33% of homeowners questioned saying that they spend more money on their gardens now than five years ago.

However, despite our growing love of gardens and garden furniture, over a third of respondents admitted that they have no secure lock for their garden, while a quarter (24%) confessed that none of their outdoor items was insured. This could mean that many homeowners face the possibility of forking out a large sum of money to replace stolen items.

Commenting on the research, Tim Downes of Lloyds Bank Insurance said: “We know that the majority of thefts from gardens and sheds are opportunistic, so it is worrying to see so many people leaving themselves exposed by investing in gardens without adequate insurance.

“When it comes to protecting our properties, homeowners must remember that what’s on the outside also counts, so taking some small easy steps could help prevent having to stump up for lost garden goods should the worst happen.”

Keeping garden items safe

So how can you deter thieves from helping themselves to your expensive garden goodies? Here are our top tips for keeping all your outdoor items safe.

  • Lock it. Invest in a secure lock to bolt up your garden shed, garage, gates and outhouses. It’s also a good idea to check your fencing for gaps, and to see whether anyone could push past your garden bushes.
  • Make it heavy. Loading the base of your patio furniture can make it harder for thieves to carry it away – use stones or bricks to make them weighty enough.
  • Mark it. Take photos of all of your furniture and outdoor items, and then make sure you write your postcode on everything. This way, you will be able to identify what’s yours if it goes missing, or it could deter someone from carrying it off in the first place.
  • Form a fortress. If you can’t block access to your garden with a locked gate, then using spiky plants or building high walls can help to put opportunists off.
  • Use gravel. A gravel path in the front of your home can make a stealthy approach much more difficult.
  • Put it away. Leaving BBQ’s, lawnmowers and bikes out in full view is asking for trouble – lock them away out of sight. Remember that garden tools and ladders could be used to break into your property.
  • Insure it. Last but not least, insure valuable items. Replacing stolen goods can be an expensive business if your items aren’t protected, so save yourself the hassle by topping up your home insurance.

For a competitive quotation visit http://www.cisl.co or call us on 01737 373222 we can asses your risk and give you a quotation with in minutes!

Is your garden safe this Summer?

Here are just a few reasons WHY to choose CiSL as your insurance broker!

Employers liability Insurance Cisl

Benefits of using Commercial Insurance Services Ltd 

Whatever type of insurance you’re looking for, arranging your cover through an independent insurance broker – rather than a do-it-yourself price comparison site – is your best bet when it comes to finding the right level of cover at the right price.

On the face of it, price comparison sites offer great deals, especially when cost is the main consideration. But dig a bit deeper, and there are lots of reasons why using a broker can prove a very wise choice. The main benefits include:

  • you’ll get truly independent advice from the professionals
  • they’ll work hard on your behalf and shop around to get you the best deal
  • experienced staff with specialist knowledge of their chosen insurance sector
  • a broker knows the insurance market and recognises when you’re getting value for money and can negotiate on your behalf
  • you get personal advice and support, and have an insurance expert “in your corner” with your best interests in mind
  • you can ask questions, air concerns and get advice and recommendations – but still have the final say
  • you learn about the pros and cons of each option in a way you can understand
  • unlike an agent, an insurance broker deals with many companies, not just one, so they can find you the best value
  • insurance brokers are extremely well qualified, and must meet very high professional standards
  • in-house claims support is available if the worst happens

The personal touch

There’s nothing quite like dealing with someone who takes the time to get to know you and your circumstances. Independent insurance brokers provide that personal touch. At the same time, customers still benefit from competitive rates and some of the best deals that the broker can negotiate because of their established relationships with the UK’s leading insurers.

For peace of mind and a great deal on your insurance, call CiSL today on 01737 377250 or visit http://www.cisl.co

Here are just a few reasons WHY to choose CiSL as your insurance broker!