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


Ever wondered how the Lloyds Insurance Market works?

Ever wondered how your insurance broker determines the price of your bespoke policy? Here is a short animation provided by one of our Markets demonstrating the quotation process. Remember not every policy is the same that why at CiSL we take pride in finding the RIGHT insurance at the RIGHT premium.

For more information on how we can save you on your renewal or new insurance policy simply call 01737 373222 and we will search the entire market to provide you with the a pleasant quotation

Please feel free to browse the wide variety of products we have to offer by visiting http://www.cisl.co 

Ever wondered how the Lloyds Insurance Market works?

CiSL goes to Manchester for BIBA 2015

Annually Commercial Insurance Services Ltd attends the largest Insurance event of the year run by BIBA.

BIBA was founded in 1977 to represent the independent insurance broker. In 1988, following the introduction of the Financial Services Act, the organisation extended its membership to include Independent Financial Advisers, and became the British Insurance and Investment Brokers’ Association – BIIBA.

In 1994, the UK’s Independent Financial Advisers were coming under increasing pressure, which led to calls for the creation of an association dedicated to representing their interests. As a result, BIIBA was the driving force behind the establishment of its sister organisation, the IFA Association.

In September 1999, the organisation removed the word ‘investment’ from its title, and reverted to the name BIBA. Today, it is the largest broker organisation in the UK, and has established itself as the industry’s most powerful and authoritative voice.

Upon Arrival

Once checked into the hotel, our trip began with a networking event with one of our leading insurance companies, NIG.

NIG specialise entirely in commercial insurance – and nothing else. So their highly experienced underwriting teams are completely focused on identifying and understanding the continually challenging risks faced by small and medium enterprises throughout the UK.

But what really sets them apart is their partnership approach. NIG work exclusively through a network of over 2,200 insurance brokers, collaborating closely with these partners to deliver the cover, services and support you’d expect from a national organisation at a local level.


CiSL has a strong relationship with all our insurance companies ensuring we are using only the best underwriters you with exceptional cover at an affordable premium.

The insurance industry is constantly changing and it is key to us as your broker to stay up to date with it all. NIG are one of the most innovative companies in terms of providing bespoke commercial insurance with an added touch. For example with each fleet policy that is taken with NIG you are provided with a FREE Fleet Management system that then offers you the client further discount depending on your fleets driving. Visit http://www.insureeasy.co.uk for more details on this.

BIBA 2015 – Day 1 

Rise and shine – Day one of BIBA we had the entire day planned out with networking events and guest speakers. These included talking to companies such as; LV, Aviva, Axa, Allianz, Broker Network, Ageas, Markel and many more.



Our MD and Marketing Manager attended the Three man conferences. This include guest speakers such as Caspar Berry, Jeremy Paxman & William Hague.

Caspar Berry BIBA 2015

A lot was presented to the audience, one of the main and most exciting topics was the BIBA Manifesto. This is basically a Bible to all broker’s and insurance companies a like. It enables us to know exactly what is going on with in the industry and how BIBA are representing us as an industry. Some really exciting stuff was discussed regarding risk.

biba manifesto

Below is a short clip of just a few highlights from the days events. See if you can spot us. We made the final cut.

In conclusion, in the past two days we have managed to build on existing relationships, made new ones and found out exactly what direction the insurance industry is heading. In all BIBA is a fantastic opportunity for all independent brokers to see what markets are out there for our clients so that we can then deliver only the highest standards of cover at the right premiums. The main advantage of using CISL as a broker is that we promise to get all claims paid out as fast and efficiently as possible. As a potential or existing client reading this we would like the opportunity to promise we will always provide you with the right insurance at the right premium.

For information on how we can quote you please contact 01737 373250 or visit http://www.cisl.co we will be more than happy to help you drive down cost and also place you with a reliable insurance company. We cover all commercial and personal lines.

CiSL goes to Manchester for BIBA 2015

Worried about flooding? Here’s our guide to staying afloat

Are your most valuable belongings correctly insured? 

Are you correctly insured?
Are you correctly insured?

Flooding and adverse weather have affected much of the UK in recent years, submerging homes and devastating towns and villages along the way.

Although weather warnings give a heads-up when heavy rainfall is expected, they cannot prepare you for the aftermath.

If you are hit by flooding and your property is damaged, flood insurance will compensate damage costs and ensure that you aren’t left out of pocket. Flood insurance is available in all shapes and sizes, so don’t let the cheapest deal lure you in; speak to a professional insurance broker for expert opinion and guidance.

Another thing you can do if you’re at risk of flooding – as recommended by the Environment Agency – is create a ‘response plan’. By taking precautionary measures and following simple best practices you’ll not only save money and time, you’ll protect your home’s contents too.

When taking out flood insurance the key thing to remember is risk; which specific areas of your property are at risk, how location could be a factor, and how quickly you could recover if the worst did happen.

You can take every precaution to limit the damage caused by floodwater, but it’s important to never assume that you’re completely flood-proof. Almost 8,000 residential properties were affected by floods in 2012 and the Environment Agency issued a record 1,000 flood warnings throughout November and December. The AA responded to more than 8,000 calls from motorists, six times higher than in 2011, and 16 times more in the south-west. The cost of the clean-up is in billions.

If your residential property is close to estuaries, riverbanks or sewers, it will be extremely vulnerable to high groundwater levels and you may therefore need certain terms including in your policy.

For more information on protecting your home from flooding, and to find out more about the types of cover we provide, contact us today on 01737 373222 and an experienced advisor will assist you with all you insurance needs. For information on other products we provide please visit http://www.cisl.co

Worried about flooding? Here’s our guide to staying afloat

Severe weather warning!

Violent storm/storm force winds will affect the UK, between the evening of Wednesday 14th and Thursday 15th January. Heavy rain will also affect western Britain, particularly western Scotland.


Preparing for high winds

Your brolly’s inside out, you’re leaning into the wind to walk but getting nowhere while rain lashes, sticking your clothes to your body. That’s stormy weather for you.

A broken brolly’s not the end of the world and clothes dry out, but when winds are strong enough to damage your home it’s often a bit late, let alone dangerous to start climbing a ladder to do that repair to the garage roof you’ve been meaning to tackle for ages.

So before the wind really starts to blow, it makes sense to do some quick checks around your property to help prevent storm damage. It’s worth bearing in mind that insurance won’t cover you for damage that’s down to poor maintenance.

The first place to start is to have a look at the roof – call in a professional for them to check if there are any tiles missing or loose.  If you have a low roof you could check yourself or ask a friend to. Pay particular attention to garage, sheds and flat roofs. Wear and tear to these roofs may mean that they have become weakened and will be unable to support additional weight from snow, ice and broken branches.

Secondly, make sure your gutters, gullies and drains are clear; this will allow heavy rainfall and melted ice to pass through quickly and effectively. If drainpipes and gutters aren’t cleaned, water can become trapped in the cold weather and cause these to crack and burst. Before the wind gets going, you should also have a look around your property for any overhanging tree branches and loose debris that could damage your home in strong winds. Tree branches can be cut back and loose furniture can be stored inside.

Storms can vary in their severity, so it is important to always err on the side of caution and take any steps possible to reduce the damage caused to your property and vehicle. The Met Office has reported that gale winds are the most common cause of damage and disruption in the UK. In 2007, Hurricane Kyrill in the UK featured winds at speeds of over 80mph. Strong winds do occur in the UK, so it’s also worth bearing in mind the following top tips on how you can protect your home for more serious storms.


Be ready for the storm

If you have been warned or believe that a serious storm is en route…

  • Ensure any debris is removed from outside and that any loose items are secured or stored inside.
  • Make sure that all windows and doors are shut, and locked where possible.
  • Secure your car in a garage (if possible), but at the very least park it away from any objects including trees that may fall and damage it.
  • Organise where your family and any pets will be during the expected storm time, to ensure everyone is safe.
  • Storms can result in power cuts, so make a storm kit which includes torches, necessary medication, food, water and blankets etc.

Once the dust has settled

Depending on the severity of the winds, the post-storm clean-up can vary from small repairs to much bigger ones.

  • Avoid standing near walls, buildings and trees that may be prone to collapse following the storm.
  • Be aware of any loose electrical wires and cables that may have been damaged. Leave these for a professional to fix.
  • Contact your insurance company immediately if you think you need to make a claim.

Whether this year brings light winds or harsh gales, it’s good to prepare your home in advance. This includes making sure that you have the contact details for those you can contact in an emergency, such as electricians, plumbers, roofers, your insurer’s claim helpline and your brokers details.


If you have any questions regarding your own insurance policy which we arrange for you, then please telephone 01737 373222 or email info@cisl.co

Severe weather warning!