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

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

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.

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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.

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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

Worried about flooding? Here’s our guide to keeping your business afloat

Is your business or commercial property at risk?

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Flooding and adverse weather have affected much of the UK in the early months of 2014, submerging businesses 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 commercial 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 stock and equipment too.

When taking out flood insurance the key thing to remember is risk; which specific areas of your business 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. In those two months, entire regions were cut off, first by rail and then by road. 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.

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Commercial properties that are close to estuaries, riverbanks or sewers, are extremely vulnerable to high groundwater levels and may therefore require a specific type of flood insurance. If your business has been affected in the past, business interruption insurance could be the best option for you. More often than not, this type of cover is the difference between a business staying afloat or going under, given that even small businesses can expect to make a claim of £40,000-£80,000 for flood damage.

For more information on protecting your business from flooding, and to find out more about the types of cover we provide, contact us on 01737 373222 or visit http://www.cisl.co

Worried about flooding? Here’s our guide to keeping your business afloat

The Secret to affordable Motor Insurance

Motor insurance (personal and commercial)

Car insurance

Motor insurance: the secret to smart, safe driving

There’s no escaping motor insurance; it’s a legal requirement and an essential part of good, safe motoring. But the way drivers think about and buy motor insurance is changing; more and more people are turning to quick-fix insurance or avoiding it entirely.

In fact now, 1 in 3 (34%) of all uninsured drivers are under the age of thirty, suggesting that young drivers are the main culprits. Another worrying statistic highlights that uninsured and untraced drivers injure up to 23,000 people and kill 160 people on Britain’s roads every year. What’s more, uninsured driving costs about £500 million per year, a price that is paid by honest motorists to the value of £30 per insurance premium.

The Continuous Insurance Enforcement (CIE) law introduced in 2011 is a strong indication of the Government’s crackdown on uninsured drivers. The law states that even when a vehicle is not being used it must be insured – so you don’t have to be driving to get caught.

If you choose to drive without insurance, figures from the Motor Insurance Bureau (MIB) show that you are five times more likely to be involved in a road accident, fail to comply with other road traffic requirements, and be engaged in other criminal activity. Go uninsured and if caught, you could be fined, have your vehicle clamped, seized and disposed of; or face criminal prosecution.

Without motor insurance you not only put yourself at risk – both physically and financially – but you endanger other drivers on the road.

As your trusted broker, it’s our responsibility to highlight the implications in chasing cheap insurance deals and choosing a generic policy. This approach will only lead to two things: having significant gaps in cover and encountering problems when making a claim. Exposure to risks and being under-insured could leave you with huge repair costs, and possibly even legal bills.

Motor insurance doesn’t need to be an expensive burden, with our help and expert guidance it can be arranged easily and with minimal fuss.

For more information on motor insurance and the premium you can expect to pay, contact us today on 01737 373222 or visit http://www.cisl.co

The Secret to affordable Motor Insurance

Severe Weather Warning – Flood Advice

Home insurance? visit www.insureeasy.co.uk
Home insurance? visit http://www.insureeasy.co.uk
Last winter (2013-2014) was one of the wettest on record which saw extensive flooding across the UK. Insurers did all that they could to help customers in the immediate aftermath. They provided emergency payments and alternative accommodation to customers, ensured they received expert help restoring their homes through their loss adjuster network, and rapidly increased their own operations, such as putting more employees onto the phones.
 
Flooding advice
 
What to do if you’re worried about flooding:
1.Check with the Environment Agency or Scottish Environment Protection Agency to see if you’re at risk of flooding.
2.Sign up to the Environment Agency or Scottish Environment Protection Agency flood alerts to get the latest information about flood in your area.
3.Get all your important insurance policy documents and emergency telephone numbers such as your insurer’s hotline, GP surgery and family and friends in a water proof folder and ensure that it is kept in an easily accessible place.
4.Make an emergency pack with water, food, spare keys, cash, a torch, spare batteries, a phone charge, medicines, glass/contacts and warm clothes – just in case.
5.Think about installing measures in your home that can stop or reduce flooding. The National Flood Forum is a good place to start.
 
What to do if think you’re going to be flooded:
1.Keep safe! Your own safety is the most important thing – follow instructions from the emergency services.
2.Make sure that those around you are safe. You might need to plan for children, elderly and disabled people who can be more vulnerable. Check with your neighbours that they know about any flood alert. Think about how you’re going to look after your pets.
3.If you are able, try and minimise damage – put expensive items and electrical goods upstairs, tie down tables, chairs and loose items in the garden. If there’s time, move your car to higher ground. Make sure to do this safely i.e. don’t try to lift heavy items by yourself.
4.Don’t forget photos and other things of sentimental value – move them upstairs or put them somewhere safe.
5.Switch off gas, electricity and water supplies before you leave your home.
 
If you have been flooded:
1.Call your insurer as soon as it is safe to do. They will be able to help explain what you need to do next. Your insurers emergency claim line number can be found in your policy booklet
2.Be careful when returning to your home or business premises. It may be damaged or have hidden dangers, especially if there is still flood water in it.
3.Don’t drink the water or use the gas and electricity until you are told by an expert that it is safe to do so. Children toys, kitchen utensils and anything that got wet will need to be disinfected.
4.Take pictures of the damage and don’t throw items away. It will help your insurer get you back to normal as quickly as possible.
5.Remember – It can take weeks to dry out a property after it is flooded, but your insurer and their loss adjuster will manage the process with you. For private residences, they will put you up in alternative accommodation if needed.
Need further advice or enquire regards policy that is best suited to your home please visit http://www.insureeasy.co.uk or call us on 01737 373222 
 
 
Severe Weather Warning – Flood Advice