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Storm Preparation Tips For Homeowners

Storm Preparation Tips For Homeowners

Now that Autumn has officially begun in the UK, storm preparation is more crucial than ever. Stormy weather can be more than just a nuisance—it can cause significant damage to your home if you’re not prepared. At Robison & Co, we aim to help you stay cosy and dry, no matter what Mother Nature throws your way. Therefore, we’ve created this guide with our best storm preparation tips for homeowners.

Here’s Our Storm Preparation Tips For Homeowners:

Secure Your Fences and Gates

Stormy weather can wreak havoc on poorly maintained fences and gates, so it’s important to check them thoroughly. Ensure they’re sturdy and well-repaired. If they look like they might blow over at the first gust of wind, it’s time to give them a fix-up.

Tend to Your Hedges, Trees, and Branches

Overgrown branches can become high-flying projectiles in a storm. Inspect your trees and hedges, and if needed, call in a professional to trim them back. It’s far better to have a tidy garden than to dodge fallen branches like an impromptu obstacle course.

Clean and Store Your Garden Furniture

Given the unpredictable British weather, don’t let your garden furniture suffer the brunt of it. Clean and store away any chairs, tables, or barbecues. For larger pieces, ensure they’re securely fastened or weighed down to prevent any damage.

Check and Service Your Boiler

Your boiler is your winter best friend, so give it some TLC before the storms hit. Have it serviced by a professional to ensure it’s in top shape. Additionally, consider boiler cover; nothing spoils a stormy evening like a boiler breakdown in the middle of winter.

Get Your Chimneys Swept

Avoid the risk of a chimney fire by scheduling a sweep to clear out any debris. This step is crucial before lighting up your fire. After all, you don’t want your chimney competing with the storm outside.

Inspect Your Roof

Loose or missing roof tiles can lead to leaks and more serious damage. Inspect your roof thoroughly and address any repairs before the weather turns. Think of it as a pre-emptive strike against a potential indoor swimming pool.

Warm Up Your Stove

If your stove has been idle, warm it up gently with a few low-level fires before going full throttle. This practice helps prevent cracking and ensures it’s ready to keep you warm when the weather outside is frightful.

Bleed Your Radiators

Air trapped in your radiators can reduce their efficiency and increase your heating bills. Bleed them to release trapped air and enhance their performance. This simple task can save you money and keep your home toasty.

Insulate Your Loft

Proper loft insulation acts like a warm blanket for your home. It helps keep the heat in and the cold out, reducing your energy bills and making your home more comfortable during stormy spells.

Replace Damaged Seals on Doors and Windows

Drafts can quickly turn a warm home into a chilly one. Check and replace any damaged seals on doors and windows. Additionally, a draught excluder is an old-fashioned but effective way to keep the warmth in and the cold out.

Secure Your Gutters and Downpipes

Clogged or loose gutters can cause water damage and become even heavier with debris, ice, and snow in winter. Clear out leaves and debris, ensure everything is securely attached, and make sure your downpipes are in good shape. This will give you one less thing to worry about when the rain starts pouring.

 

By following these maintenance tips, you’ll be well-prepared to face stormy weather with confidence. At Robison & Co, we’re here to help you safeguard your home and ensure you’re covered no matter what the weather brings. Stay safe and dry!

Feel free to reach out to us for more tips or insurance advice. And remember, a prepared home is a happy home—stormy weather doesn’t stand a chance!

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

*Photo’s by Martin Sepion, Zach Rowlandson, and Jay Wennington on Unsplash

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APP Fraud and the New Regulations

Understanding APP Fraud and the New Regulations: What Businesses Need to Know

Authorised Push Payment (APP) fraud has become a growing threat, targeting both individuals and businesses. Scammers trick victims into authorising payments to accounts under their control. As these payments are willingly made, victims often struggle to recover their money. However, new regulations are coming into effect on the 7th of October 2024 that aim to change that.

What is APP Fraud?

APP fraud occurs when a fraudster deceives you into transferring money to their account. They might pose as a supplier, a trusted contact, or a legitimate business. Once the payment is made, recovering the funds can be challenging.

The New Regulations: What’s Changing?

Starting on the 7th of October 2024, UK Payment Service Providers will be required to reimburse victims of APP fraud, unless the victim is proven to be grossly negligent. Under these new rules, customers must meet a ‘standard of consumer caution’ by paying attention to bank warnings, promptly reporting fraud, sharing information, and consenting to report the fraud to the police. If a customer fails to meet these requirements, their claim could be denied, but the burden of proof lies with the bank. Vulnerable customers are exempt from these strict standards.

The maximum reimbursement level will be set at £415,000, aligning with the Financial Ombudsman Service (FOS) compensation limit. Reimbursement costs will be shared between the customer’s bank and the fraudster’s bank, with both institutions expected to take more proactive measures to prevent fraud. The CRM Code will also play a role, requiring banks to consider a broader range of factors before refusing a claim.

What will be the Impact on Insurance and Businesses?

Increased Business Liability

Even though banks and payment service providers are now sharing the liability for APP fraud, businesses must continue to be vigilant. If a company falls victim to fraud, and the payment is authorised, the business might face difficulties in recovering the funds without proper safeguards in place.

Insurance Considerations

Businesses should review their insurance policies to ensure they are covered for losses related to APP fraud. While the new regulations provide some protection through bank reimbursement, insurance can offer an additional safety net, especially for businesses that handle large transactions or deal with high-risk payments.

Cyber Insurance

Many cyber insurance policies include coverage for financial losses due to fraud. However, not all policies are the same. Businesses should consult with their insurance broker to understand the extent of their coverage and whether additional protection is necessary.

How to prepare your business:

Strengthen Internal Controls

Implementing strong payment verification processes can reduce the risk of falling victim to APP fraud. Educate employees about the dangers of APP fraud and establish clear procedures for verifying payment requests, especially those involving large sums or new suppliers.

Review Your Insurance Policies

Work with your insurance broker to review and update your cover. Ensure your business is protected against the financial impact of APP fraud, both through your bank and your insurance policy.

Monitor Transactions

Regularly monitor your business accounts for unusual activity. Early detection of fraudulent transactions can increase the chances of recovery and limit potential losses.

 

The new APP fraud regulations set to take effect on October 7th 2024, mark a significant step forward in protecting businesses and consumers from this growing threat. However, the responsibility doesn’t end with the banks. Businesses must take proactive measures to protect themselves and ensure they have the right insurance coverage to mitigate the risks. Working closely with an insurance broker can provide peace of mind and financial security in an increasingly complex financial landscape.

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Insurance broker – How can they help you?

Insurance Broker: How Can They Help You?

Securing the right insurance often feels overwhelming and confusing. With so many options available, determining the best policy for your needs can be challenging. This is where an insurance broker becomes invaluable, especially when looking for a bespoke policy.

What is an Insurance Broker?

An insurance broker acts as a middleman between you and the insurance companies. Unlike agents who work for specific insurers, brokers represent you, the customer. Their primary goal is to find the best possible coverage tailored to your unique needs. They access a wide range of policies from various insurers, providing the flexibility to offer bespoke insurance solutions.

Expertise and Knowledge

One of the most significant advantages of working with an insurance broker lies in their expertise and in-depth knowledge of the industry. Brokers stay updated with the latest changes in regulations and market trends. As a result, they can provide accurate advice and recommendations.

Understanding Complex Policies

Insurance policies often contain complex jargon that makes understanding them difficult. An experienced insurance broker breaks down these complexities, explaining terms and conditions in simple language. Consequently, this clarity helps you make informed decisions without becoming overwhelmed by technicalities.

Tailored Advice

Every individual and business has unique insurance needs. Therefore, a one-size-fits-all approach does not suit everyone. Insurance brokers take the time to understand your specific requirements and offer tailored advice that aligns with your circumstances.

Access to Multiple Options

Working with an insurance broker gives you access to multiple options from various providers. Unlike dealing directly with a single insurer, brokers present a broader range of policies, ensuring you are not limited to one company’s offerings.

Competitive Pricing

Because brokers have relationships with multiple insurers, they can often negotiate better rates on your behalf. As a result, this competitive pricing ensures that you get value for your money without compromising your coverage.

Bespoke Insurance Solutions

One of the unique features of using an insurance broker is their ability to offer bespoke insurance solutions. Whether you need specialized coverage for high-value items or unique business risks, brokers tailor policies specifically designed to meet your needs.

Time-Saving Convenience

Shopping around for insurance quotes can be time-consuming and stressful. An insurance broker takes this burden off your shoulders by doing all the investigating and analyzing for you.

Streamlined Process

From gathering quotes to filling out paperwork, brokers handle every aspect of the process efficiently. Consequently, this streamlined approach saves you time and reduces hassle, allowing you to focus on other important aspects of your life or business.

Claims Assistance

Filing an insurance claim can be daunting and often time-consuming. An experienced broker guides you through this process, ensuring all necessary documentation gets submitted correctly and promptly. They also contact your insurer on your behalf, further removing the burden from you.

Impartiality and Trustworthiness

Since brokers work independently and are not tied to any particular insurer, they offer impartial advice aimed at serving your best interests. Therefore, you can trust their guidance.

Building Long-Term Relationships

A good broker aims to build long-term relationships based on trust and mutual respect. They provide ongoing support even after you’ve purchased a policy, helping you review and adjust coverage as needed over time, as well as assisting with claims.

The Smart Choice

Choosing an insurance broker offers numerous benefits. From expert advice and access to multiple options to competitive pricing and bespoke solutions tailored specifically to your needs—all while saving you valuable time and effort.

In today’s complex world where risks constantly evolve, having an experienced insurance brokerage like Robison & Co as your knowledgeable ally makes navigating these challenges significantly easier.

So, next time you need insurance, consider reaching out to a professional insurance broker. This decision will bring peace of mind, knowing you’re fully protected if the “what if” comes to pass!

Robison & Co staff picture of Insurance brokers

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Bespoke Home Insurance: Protecting Your Personal Assets

Protecting Your Personal Assets with Bespoke Home Insurance

Bespoke home insurance offers one of the most effective ways to safeguard your personal assets, which is more crucial than ever. Unlike standard policies, bespoke insurance provides tailored cover that meets your unique needs, giving you peace of mind and comprehensive protection.

Understanding Bespoke Home Insurance

What is Bespoke Home Insurance?

Bespoke home insurance allows brokers to customize a policy to cover the specific needs of an individual homeowner. Unlike generic policies that offer a one-size-fits-all approach, bespoke insurance considers the unique aspects of your property and personal assets. Consequently, you get cover specifically tailored to protect what matters most to you.

Why Choose Bespoke Over Standard Policies?

Standard insurance policies often include limitations and exclusions that may not provide adequate protection for high-value items or unique properties. Bespoke insurance allows for greater flexibility and customization, ensuring all your valuable possessions receive adequate cover. Whether it’s an extensive art collection, antique furniture, or a custom-built home, bespoke policies offer specialized coverage options.

The Importance of Protecting Your Assets

Financial Security

Protecting your assets ensures financial security. Unforeseen events such as natural disasters, theft, or accidents can result in significant financial loss if your assets lack sufficient insurance. Therefore, bespoke insurance ensures you stay financially protected against such occurrences.Rural English property home

Peace of Mind

Knowing your personal assets receive robust protection provides immense peace of mind. You can go about life, assured that in the event of a disaster or theft, your bespoke policy will cover the costs associated with repairing or replacing your valuable possessions.

Key Features of Bespoke Insurance

Customized Cover Options

A standout feature of bespoke home insurance includes its ability to offer customized cover options. You can choose specific cover based on your unique needs and circumstances. Whether it’s additional cover for high-value items like jewellery or specialized protection for rare collectibles, bespoke policies provide flexibility.

Higher Cover Limits

Standard policies often come with low cover limits that may not suffice for high-value properties or possessions. Bespoke home insurance typically offers higher cover limits, thus ensuring all aspects of your property and personal assets receive adequate protection.

How to Choose the Right Bespoke Insurance Policy

Assess Your Needsvaluable art collection kept in someone's home

The first step in choosing the right bespoke insurance policy involves assessing your needs. Take inventory of all valuable items and consider any unique aspects of your property that require specialized cover.

Consult with an Expert

Given the complexity involved in creating a bespoke policy, consulting with an expert can prove highly beneficial. An experienced broker can help you navigate various options and tailor a policy that best suits your requirements.

Compare Quotes

Once you’ve identified what you need from a policy and consulted with an expert, compare quotes from different insurers. This ensures you get comprehensive cover at a competitive price.

Invest in Peace of Mind by Protecting Your Assets

Protecting your personal assets should be a priority for every homeowner. With its tailored approach and comprehensive protection options, bespoke home insurance offers unparalleled peace of mind and financial security. By carefully assessing your needs and consulting with experts, you can find a policy perfectly suited to safeguard what matters most to you.

Ultimately, investing in bespoke home insurance isn’t just about protecting physical possessions; it secures peace of mind for yourself and future generations by ensuring robust protection against unforeseen events.

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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The Affects of UK riots on the Insurance Industry

The Affects of UK riots on the Insurance Industry

As you would expect, Some insurers have already made emergency interim payments and property has been secured where needed. If alternative accommodation is required for any homeowners, suitable properties will be found.Police protecting people and buildings from rioters

The priority is to get customers back to normal as quickly as possible at this distressing time.

Some areas are still inaccessible because of the danger of buildings collapsing and police have also restricted travel in some places – some claims teams had to travel by foot or bus so they could visit commercial customers.

Insurers will also been work with the local authorities to arrange demolition of any dangerous structures so that high streets can return to normal and once buildings are deemed safe the re-building and repair work can begin.

Damage caused by riots, civil commotion or malicious damage is covered as standard in most commercial, household and motor policies, but we would urge anyone who hasn’t already been in touch to contact their insurer directly or via their broker, as soon as possible.”

 

 If your business has been affected by UK riots:

Contact your broker and/or insurer as quickly as possible.

We know your priority is to get your business up and running as quickly as possible and will do all we can to make this happen.

The amount of time this will take depends on the level of damage sustained.

 

One of our partner insurers has put together the following tips and advice for businesses where the threat of riot exists:

Protecting Staff during the UK riots:

Of paramount importance is the safety of your staff. Managers need to be vigilant and react quickly to protect their staff.

Avoid unaccompanied working

Make use of two-way radio links and personal alarms

Avoid visiting potential problem areas

 

Protecting your Property during the UK riots:

Ensure all security systems/alarms/security lighting/CCTV are on/functioning

Check existing perimeter barriers are in good repair

Inspect doors and door hardware are adequate and in good repair

Ensure accessible windows are adequately secured and protected

Keep removable grilles/shutters in position at all times

Consider temporary boarding up of vulnerable access points and windows – particularly in high risk areas

Waste and other unwanted combustible materials are a source of ignition so ensure this is kept to a minimum and safety stored.

Ensure adequate fire fighting equipment is readily available and staff are trained in their use

Remove portable objects from the open that could be used as a projectile, such as an advertising board or display stand

If you have theft-attractive stock place this within a physically robust area that would require greater time and effort to penetrate than the shell of the building

Remove attractive stock from display windows

 

Protecting your Vehicle during the UK riots:

Remove and avoid parking vehicles overnight in high risk areas and on main thoroughfares

Remove and avoid parking vehicles overnight in close proximity to buildings

 

If you are affected by a UK riot, please contact your account handler and they will aid you throughout the claims process to ensure it is resolved.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk