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The recent tragic news

It’s been very difficult listening to the news recently, with so many terrible things happening. As an organisation which is involved in the fire industry, we would particularly like to express our heartfelt condolences to everyone who has been affected by the Grenfell Tower tragedy. It’s hard to find the words which really convey how … Continue reading The recent tragic news

Facebook posts and insurance

We’ve written in the past that it might happen, but now it might be nearly here: insurers are trying to use social media to assess the risk of their policyholders. It was all over the press recently and while at the moment it’s for car insurance (which we don’t get involved with), other insurance cannot … Continue reading Facebook posts and insurance

Christmas tree fire safety

We’re off to buy our Christmas tree this weekend. Then I’ll be going up into the loft to find the fairy lights, which have been tucked away for a year, and will be keeping my fingers crossed that they are still working. After that it will get the full treatment, accompanied by a mince pie … Continue reading Christmas tree fire safety

Street lights are going back on

For the past few years, a growing number of councils across the country have been turning off street lights to save money. I’m not much of a late-night person, but apparently my own local council is now turning off hundreds of lights between the hours of midnight and 5.30am in the winter, and 1am and … Continue reading Street lights are going back on

Parliamentary anger over tumble drier fires

There were angry scenes at a Parliamentary committee recently – and it was all to do with something we’ve written about in the past. The subject under discussion was the safety of certain Whirlpool tumble driers sold under the brand names Creda, Hotpoint and Indesit. We wrote in March that some machines had been bursting into flames, … Continue reading Parliamentary anger over tumble drier fires

Clocks go back – and break ins go up

We all need to remember to put our clocks back this weekend. Apart from the fact that we get an extra hour in bed, I always find this really sad. It brings darker evenings and means that winter isn’t very far away. But apparently there are other worrying aspects about the clocks going back. According … Continue reading Clocks go back – and break ins go up

Landlords and fire safety: understand your responsibilities

The responsibilities of residential landlords have been very much to the forefront of the news recently, specifically following the catastrophic events at Grenfell Tower. Whatever type of landlord you are – even if you just let out a single dwelling – you need to be aware of what is required of you to ensure your … Continue reading Landlords and fire safety: understand your responsibilities

Winter is coming: chimney advice

I’ve got the chimney sweep coming tomorrow, which must mean it’s getting close to the time when we will light our open wood fire. We don’t use it very much, but I’m very careful about ensuring we have the chimney swept regularly: at Morgan Clark, we see all too often the terrible after effects of … Continue reading Winter is coming: chimney advice

Keeping students safe from fire

Across the country, parents are waving a teary goodbye to their offspring as they head off to university for the first time. I remember it well, and I also remember the constant worry once they’ve gone: what are they doing, are they happy and, perhaps most of all, are they safe? One of the biggest … Continue reading Keeping students safe from fire

Home insurance price rises

We’ve warned before about the dangers of just going for the cheapest home insurance you can find. Recent news about the rising cost of home insurance means it’s a good time to issue this warning again. According to Consumer Intelligence, whose data is used by the Office for National Statistics, home insurance premiums are rising … Continue reading Home insurance price rises

Business insurance and terrorist attacks

We are all now so aware of the fact that terrorism can strike anywhere at any time. The recent appalling attacks in and around Borough Market – which is a wonderful place to visit – were just the latest in a growing list of horrific random acts in unlikely places. Following the attacks, Borough Market … Continue reading Business insurance and terrorist attacks

Safe use of gas barbecues

We went to a family barbecue at the weekend. Being a bit old-fashioned, we were very scathing about the fact that the host was using a gas barbecue. But in fact it produced beautifully-cooked lamb and chicken (although you might say it lacked that normal charcoal flavour – and the added ‘crunch’!). There were lots … Continue reading Safe use of gas barbecues

Fridge freezer safety

It would seem that the catastrophic fire in Grenfell Tower was caused by a faulty fridge freezer. It is so overwhelmingly sad that such a common item could have led to this terrible tragedy. The Electrical Safety First organisation is a registered charity which aims to improve safety regulations and ensure safety messages are appropriate. … Continue reading Fridge freezer safety

Flood Re one year on

It’s hard to believe that Flood Re has been in operation for over a year, and it has just issued its first Annual Report. This government-backed scheme, which we’ve written about many times, was launched in 2016 after years of wrangling and is designed to provide affordable flood insurance for properties in high-risk areas. According … Continue reading Flood Re one year on

Insurance claims: badgers and more

Some people think that insurance is boring. Well, we don’t think so – and certainly some recent news from insurance giant Aviva shows it can be just the opposite. They’ve released a list of the most unusual insurance claims they’ve received over the last 10 years from high net worth clients. The most bizarre was … Continue reading Insurance claims: badgers and more

Landlords: check your insurance cover

Apparently rents are going down. According to a recent report, this is particularly the case in London, which has been such a hot spot for rentals over the last few years. But it’s also been reported that many London landlords are now turning their attention to other parts of the country rather than expanding their … Continue reading Landlords: check your insurance cover

New Act to eliminate commercial insurance delays

So yet another piece of insurance legislation has arrived. The new Enterprise Act 2016 came into force last week and is aimed at ensuring that insurers do not drag their heels unreasonably when negotiating a commercial insurance claim. We’ve written about this before and we applaud the sentiment behind the new Act. But, in common … Continue reading New Act to eliminate commercial insurance delays

New riot bill now in force

Nearly six years after the riots of 2011, a major change in the law came into force last week. This overturns the very out-dated Riot (Damages) Act 1886 and addresses many of the complaints which arose in the wake of those dreadful events. It became abundantly clear at the time that the old law simply … Continue reading New riot bill now in force

Flood insurance for businesses: Government ‘needs to do more’

We wrote back in December about a new scheme to provide businesses with affordable flood insurance. Launched by the British Insurance Brokers’ Association (BIBA), it was put together to overcome the fact that the Flood Re scheme for affordable flood cover didn’t cover the commercial sector. Last week, BIBA presented its scheme to the All … Continue reading Flood insurance for businesses: Government ‘needs to do more’

Flood insurance and flood resilience: the latest

The first ‘named’ storm of the winter had now hit the UK, with Storm Angus causing chaos across the south of England. We’re already on the spot in the worst-hit places, helping people with their insurance claims as the waters subside. It’s the first real incident since the introduction of Flood Re and let’s hope … Continue reading Flood insurance and flood resilience: the latest

Insurance transparency scheme: results published

We wrote last year about the launch of a pilot scheme to help consumers compare insurance firms. The results have now been published. The Financial Conduct Authority (FCA) launched the scheme because it’s becoming increasingly difficult to find the right insurance product at the right price, to understand whether special offers for add-on products are … Continue reading Insurance transparency scheme: results published

Are we planning to flood?

The recent threat of a tidal surge along the east coast of England was dramatic but thankfully it didn’t cause the flooding predicted. Some unfortunate residents did see water coming into their homes but many escaped with no damage. We know from all the times we’ve worked with people in flood-hit areas that one of … Continue reading Are we planning to flood?

2017: what’s on the horizon?

Happy New Year! It’s definitely a better January for many this year than in 2016, when households across the country were faced with the aftermath of devastating storms. But we’re now hearing warnings of arctic weather on the way, so we would urge everyone to make sure their homes are protected from the big freeze. … Continue reading 2017: what’s on the horizon?

Flood cover for small businesses launched

At last: after years of being left out of plans for flood insurance, there’s firm news for businesses at risk of flooding. The British Insurance Brokers Association (BIBA) has this week launched an affordable flood insurance scheme for businesses. One of the key gripes about Flood Re, which was launched earlier in the year, was … Continue reading Flood cover for small businesses launched

Don’t run appliances overnight

I witnessed a heated argument at the weekend between two friends, one of whom also works in the insurance industry. She knows from experience how dangerous it is to leave electrical appliances unattended while they’re running. So she was horrified to hear that the other friend often leaves a dishwasher or tumble dryer going when … Continue reading Don’t run appliances overnight

More fire warnings: tumble driers and smoke alarms

Following on from our recent blog about the safe running of electrical appliances, there have been some new safety guidelines issued regarding tumble driers. If you own a Hotpoint, Creda or Indesit tumble drier manufactured between April 2004 and September 2015, then you need to check immediately if your model is affected. Tumble driers sold … Continue reading More fire warnings: tumble driers and smoke alarms

Bad weather insurance warning for SMEs

When storms Desmond and Eva hit in the winter of 2015/2016, we reported that businesses had been hit very hard, with around half of all insurance claims made by the commercial sector. This makes the findings of some recent research rather depressing news. According to Towergate, over the last five years two thirds of small … Continue reading Bad weather insurance warning for SMEs

More flood news

With winter approaching, there’s lots in the news about floods. Firstly, the new scheme for affordable flood insurance, Flood Re, has now been in operation for six months and apparently 53,000 properties have been protected through it, which is great. And having started with 16 insurers, there are now 41 providing cover to high-risk properties … Continue reading More flood news

Loss assessors do make all the difference

As loss assessors, we know the difference we make to the speedy and effective settling of an insurance claim. But it’s not always easy to prove this – until now. One lady’s experience shows just how hard it is to handle a claim by yourself – and how much easier it is if you hand … Continue reading Loss assessors do make all the difference

Flood insurance for small businesses?

One of the biggest criticisms of the new Flood Re scheme, which came into force earlier in the year, is that it doesn’t cover small businesses. We’ve written lots over the last few years about this: Flood Re has been introduced to provide affordable flood insurance for properties in high-risk areas, but it excludes businesses, … Continue reading Flood insurance for small businesses?

Flood Resilience Review – ‘sticking plaster’?

Following the devastating floods of the winter, we’ve been helping lots of people and businesses with their flood insurance claims. It’s now fantastic to see them going back into their properties and getting their lives back on track. In the wake of the floods, the Government initiated a review which has now been published. The … Continue reading Flood Resilience Review – ‘sticking plaster’?

Home insurance and social media

I’m just back from holiday and a lovely time was had by all. And it seems that lots of my friends have also been away: I know that because I’ve seen their posts on Facebook, Twitter and Instagram, with scenes of blue seas, tropical paradises, Italian trattorias, French vineyards, golf courses…. Despite the fact that … Continue reading Home insurance and social media

Airbnb and insurance

I was meant to go to Lyon recently for a weekend away but it was cancelled because of the French railway strike. If we had managed to go, we would have stayed in what looked like a luxurious apartment in the centre of the city, which we found online through Airbnb. Airbnb seems to be … Continue reading Airbnb and insurance

Summer weather: the perils of lightning

We all know it’s been an incredibly wet summer so far, and our hearts go out to those who have been flooded over the last few weeks. But there’s another dangerous issue associated with these heavy summer storms: the threat of lightning strikes. It seems we’re being hit extremely hard by this stormy weather. One … Continue reading Summer weather: the perils of lightning

Business flood claim: overturning insurer’s refusal to accept liability

We’ve been helping a lot of homeowners and businesses affected by the winter floods with their insurance claims. Sometimes these claims are more complicated than others, particularly when something crops up which no one could have predicted. One such case happened with a business claim we handled for a bed centre based on the ground … Continue reading Business flood claim: overturning insurer’s refusal to accept liability

Garden security

I’m very proud of my new allotment and we’re just starting to reap the benefits of all the hard work we’ve put in over the last 10 months. But I am absolutely convinced that some of my broad beans have disappeared: I’d left them to get even plumper the previous afternoon and when I went … Continue reading Garden security

Flood defences criticised

As I’m sitting here, it’s getting towards the end of June and it’s absolutely tipping down with rain. There have been severe weather warnings for a week or so, and now there are reports of flash flooding across the country, including in the West Midlands and Devon. These days, heavy rain is all too often … Continue reading Flood defences criticised

The EU referendum and insurance

So referendum day has arrived: this Thursday the country decides whether we stay in the EU or leave. The arguments have been played out in front of us but most of us probably made up our minds which way we would vote some time ago. We may all be getting rather fed up with the … Continue reading The EU referendum and insurance

Mortgage providers and home building insurance

One of the issues we may face when people ask us to handle their home buildings insurance claim is that they don’t have sufficient cover. Often this is because they took out their policy a long time ago and have failed to review it and update it regularly to reflect current market values. Some research … Continue reading Mortgage providers and home building insurance

Winter floods: many insurance claims still not settled

In the wake of the terrible winter storms and floods, apparently 15,000 flood insurance claims have now been made. And according to the Association of British Insurers (ABI), 85 per cent of these have received partial or full payment of their claim. But what about the other 15 per cent – 2,250 claimants who so … Continue reading Winter floods: many insurance claims still not settled

No more delays for business insurance claims?

There was even more good news recently for businesses regarding insurance, following on from our news last week that it’s almost certain Flood Re will be extended to cover the commercial sector. There’s going to be a new law which should ensure that businesses will have their insurance claims settled more quickly. The Enterprise Act … Continue reading No more delays for business insurance claims?

Three important questions to ask your Loss Assessor

Most policyholders believe their insurance company will live up to the terms and conditions of their insurance contract, and in many cases they do. It’s important to understand, however, that the loss adjuster assigned to your claim is employed by the insurer so this can bring into question their ability to act independently. Even if … Continue reading Three important questions to ask your Loss Assessor

Businesses, Flood Re and insurance

It seems that things are on track for what could be called Flood Re 2. According to recent reports, a new scheme to extend Flood Re to cover businesses is likely to be launched in the autumn. It’s not good news for all businesses: it seems that only smaller businesses will be covered, but precise … Continue reading Businesses, Flood Re and insurance

Heath fires: some safety advice

The recent bush fire in Canada is horrific. The latest reports say it’s starting to abate as the weather has cooled and there’s been a bit of rain. But so far 622 square miles have been burnt – one estimate puts this as equivalent to the area within the M25 – and a fifth of … Continue reading Heath fires: some safety advice

Victory for Met Police in riot ruling

So Boris Johnson has won: not the EU referendum, but the Supreme Court case on whether the police are liable for ‘consequential losses’ following the 2011 London riots. The court has ruled in his favour and decided that insurers, not the police, should pay up. This case has been through the courts several times, as … Continue reading Victory for Met Police in riot ruling

Flood prevention: the natural solution?

We wrote in February about an imaginative flood prevention scheme in Oxfordshire aimed at protecting the town of Witney from flooding. Now there’s news of another which apparently stopped some serious flooding in the Yorkshire town of Pickering this Christmas, when the rest of the area was so badly affected. According to a report on … Continue reading Flood prevention: the natural solution?

Why insurance claims are rejected

We wrote recently about the fact that one in five home insurance claims are rejected, with the most common reason being the complexity of policies. Many people simply don’t understand the small print of their policies. Specific areas where policyholders are at risk have been explained very clearly by one insurance provider. The Policy Expert … Continue reading Why insurance claims are rejected

Flood Re: it’s here

So it’s finally happened! Flood Re has gone live. It’s taken four years to get to this stage, and there have been times when it looked as if agreement would never be reached. But it’s here: affordable flood insurance is now available for the vast majority of the population. Flood Re operates by charging a … Continue reading Flood Re: it’s here

Could there be a Flood Re 2?

And so it’s April 2016….the time has finally arrived when Flood Re is supposed to launch. But will it? We still don’t know for sure. In the meantime, there are new demands from groups who feel let down by this complicated scheme for affordable flood insurance. The latest to issue a statement is the Residential … Continue reading Could there be a Flood Re 2?

A busy week for flood news

There’s been a lot of news about flood insurance and flood defences over the last week: here’s a round up. Firstly, there was good news and bad news in last week’s budget for the insurance industry. First the bad news: insurance premium tax (IPT) is rising by 0.5 per cent to 10 per cent, only … Continue reading A busy week for flood news

House fire causes and how to prevent them

Do you put your washing machine or dishwasher on when you go to bed? If you do, then you should stop. According to some worrying statistics, these are more likely to cause a fire than your cooker – and not many of us would think of leaving that on overnight. Figures published by Which? on … Continue reading House fire causes and how to prevent them

Scheme coming to compare insurance products

There was news recently that around one in five home insurance claims are unsuccessful. The most common reason for this is the complexity of policies – and this is a key factor for people turning to us when they need help with their insurance claim. It is often just too difficult for policyholders to understand … Continue reading Scheme coming to compare insurance products

The dangers of tumble dryers

I keep reading about tumble dryer fires. Maybe we’re using them more at the moment because it’s been such a wet winter and we can’t put the washing out to dry, but they seem to be a significant safety hazard. We’ve dealt with many fire insurance claims over the years which were started by a … Continue reading The dangers of tumble dryers

Riot damages claim reaches the Supreme Court

Boris Johnson has been in the headlines over the last few days over his decision to support the campaign to leave the EU. But there could be something else on his mind at the moment: the imminent ruling by the UK Supreme Court on a fight he is having with insurance companies following the London … Continue reading Riot damages claim reaches the Supreme Court

Cockermouth floods: turning to Morgan Clark a second time

It’s so sad that many of the victims of the recent flooding in the north have been through this terrible experience before. Cockermouth in particular is going through its second serious flooding in six years. We worked with many Cockermouth homeowners and businesses after the 2009 floods, helping them with their insurance claims. And while … Continue reading Cockermouth floods: turning to Morgan Clark a second time

Parliament debates business flood insurance

One sign that Flood Re is nearly with us is that there is now an official website. This explains in detail this new scheme for affordable flood insurance which will start in April. It’s been a long time coming….but according to many it’s still a long way from perfect. The most common objection to the … Continue reading Parliament debates business flood insurance

Novel flood defence scheme

There was an interesting item on Radio 4’s The Today Programme this week about flood defences. It focused primarily on the village of Witney in Oxfordshire which was badly flooded in 2007. The measures taken by the local council to protect the area in the future sounds such a great idea. The council spent a … Continue reading Novel flood defence scheme

Hoverboards and safety fears

Hoverboards have hit the headlines over the past few months because of safety concerns. I confess I’ve never seen Back to the Future 2 (or any of the others), but I understand hoverboards were predicted in this for 2015 – and that prediction has come true, but with terrible consequences. Last week there was yet … Continue reading Hoverboards and safety fears

Businesses hit by recent floods

We wrote last week about Flood Re, the new agreement for affordable flood insurance, and how it’s too late for many people – but that it won’t cover commercial insurance anyway. This is put into perspective by recent news about the damage done to UK businesses by the recent storms. It seems that the floods … Continue reading Businesses hit by recent floods

Flood Re: too late for recent victims

It’s been a little frustrating over the last few weeks to hear on the radio or TV, time and again, discussions over Flood Re. This is something we’ve been writing about for the last four years, but it has received very little headline coverage in the national media – until now. And the key reason … Continue reading Flood Re: too late for recent victims

Hike in insurance costs for wood burners

We wrote a while ago about the dangers of wood-burning stoves if they aren’t properly installed and maintained. Now there’s news that insurers are increasing insurance premiums for homes which are using them instead of open fires. Wood burners are becoming more and more popular because they provide an attractive and effective way to warm … Continue reading Hike in insurance costs for wood burners

Hit by floods? Here’s how we can help.

In the wake of the recent floods in Cumbria and Lancashire, it’s now time for those affected to try to get their lives back to normal – including starting a flood insurance claim. We’ve already talked to people in the affected areas about what they need to do, and for many it’s a huge relief … Continue reading Hit by floods? Here’s how we can help.

Cautionary fire tales

There have been some alarming news stories recently about how fires can start which are certainly worth sharing. Firstly, there has been a safety warning issued about Hotpoint, Creda and Indesit tumble dryers: some of them pose a ‘significant fire risk’. I’ve got a Hotpoint washer dryer so I’ve followed the instructions for checking if … Continue reading Cautionary fire tales

Four-step plan for burst pipes

I’ve had to scrape the ice off the car over the last couple of days: it’s suddenly become really cold. And with Christmas not very far away, many of us may be planning to go away for a winter break, leaving the house vulnerable to a freeze. After a freeze, there’s the danger of burst … Continue reading Four-step plan for burst pipes

Flood advice for homeowners

With the summer now all but a distant memory, thoughts turn to protecting our homes from the winter elements: frost, snow, and above all else, flooding. Already this year we’ve witnessed flooding in some northern parts of the country, and with more heavy rain and freezing weather expected over the coming weeks, it is inevitable … Continue reading Flood advice for homeowners

Flood Re: the final step for affordable flood insurance

So, we really are nearly there now. Last week, the final piece of the jigsaw for Flood Re fell into place, with the signing of the regulations by Floods Minister Rory Stewart. After several years of wrangling and delay, it seems that the scheme will definitely come into force next April, thus ensuring affordable flood … Continue reading Flood Re: the final step for affordable flood insurance

Protect your home before the big freeze

It’s only six weeks until Christmas, but it doesn’t feel like it: the temperature is still mild in most parts of the country. But winter weather could arrive at any time now and, judging by the number of berries on holly trees, it may get extremely cold. So before the full force of winter hits … Continue reading Protect your home before the big freeze

Winter security advice

The clocks went back last week and we’re now well and truly on the way to winter. And, according to one insurer, the long dark evenings increase the danger of thieves breaking in to your home. The Co-operative Insurance has analysed claims dating back to 2013 and found that claims for theft increase by 38 … Continue reading Winter security advice

Stay safe on Halloween

Halloween has become a really big thing here in recent years – it seems to have replaced Bonfire Night as the most popular autumn celebration for children. But last year the dangers it poses became headline news when Claudia Winkleman’s daughter was badly burnt when her Halloween costume caught fire after it brushed a candle … Continue reading Stay safe on Halloween

A seasonal warning for businesses

Oh dear. I’ve just come back from the supermarket and already the shelves are starting to display Christmas items. It’s far too early!!! But there is one seasonal message which needs to be spread. As we enter the run up to Christmas, lots of businesses will be taking on seasonal staff and, according to a … Continue reading A seasonal warning for businesses

Animal dangers

I don’t have any pets – and according to a recent news article it might be just as well. One major insurer has reported that they can lead to some rather weird and wonderful insurance claims. RIAS has looked at its claims from last year and some of the more unusual ones involved animals. These … Continue reading Animal dangers

Autumn home safety advice issued

We’ve had a great end to the summer, with fantastic weather up to last weekend. But now it appears that autumn is well and truly upon us, the clocks will go back soon, and winter can’t be far behind. And apparently it’s this time of year when fire services receive an increase in calls to … Continue reading Autumn home safety advice issued

Selfie sticks and insurance

Call me old fashioned, but I’m just not into this trend of taking ‘selfies’. And as for using selfie sticks, well I’m in total agreement with some of the venerable institutions around the world which have banned them: Wimbledon, the Palace of Versailles, Wembley Stadium and even Arsenal and Manchester United (the first and only … Continue reading Selfie sticks and insurance

New law would speed up business insurance claims

When we work with businesses after they’ve suffered a loss as a result of a fire or flood, we know how important it is to finalise their insurance claim as quickly as possible to minimise damage to their trading. Any delays in the process – particularly any delaying tactics by their insurer – can pose … Continue reading New law would speed up business insurance claims

Insurance tax premium rise: a word of warning

In the summer budget, the Chancellor announced a rise in insurance premium tax (IPT) from six per cent to 9.5 per cent, starting on the 1st November. And it seems that this is likely to have a very unfortunate effect: according to two recent studies, some people are now going to buy less insurance. It’s … Continue reading Insurance tax premium rise: a word of warning

Mapping the risk of groundwater flooding

It’s not long until Flood Re is implemented, which is aimed at providing affordable flood insurance for everyone – even those in high-risk areas. As part of this, insurers want more accurate flood data to help calculate risk, and this has highlighted what in the past has been a weak area: mapping the risk of … Continue reading Mapping the risk of groundwater flooding

Beware: more sinkholes appearing

August has been a complete wash out for many of us, and this seems to be part of a recent pattern of more and more rain. One side-effect of this is that sinkholes are becoming more common: in just the last few weeks both the Mancunian Way and the A27 in Hampshire have been closed … Continue reading Beware: more sinkholes appearing

Deadline looms for landlords’ smoke alarms

It’s now only just over a month until a new law comes into force regarding landlords and smoke alarms. We wrote about this back in April, and now the deadline is looming: from October 1st, failure to meet these regulations could result in a £5000 fine. The new law requires landlords to install smoke alarms … Continue reading Deadline looms for landlords’ smoke alarms

Empty nests and insurance

So it’s nearly that time of year when mothers and fathers up and down the country suddenly face the prospect of an empty house as their ‘babies’ head off for university. Amid all the excitement of packing them up for their first term of freedom, something you should consider is taking out insurance cover for … Continue reading Empty nests and insurance

Sky lanterns: the latest bans

We wrote last year about the new safety guidelines for using Chinese sky lanterns. These were issued in the wake of a huge fire in the West Midlands caused by a rogue lantern. Since then, there have been growing demands that they should be banned completely – and indeed many councils have now taken this … Continue reading Sky lanterns: the latest bans

New riots bill on the agenda

It’s hard to believe that it’s nearly four years since the terrible riots of August 2011, and it’s a year since we wrote about proposals to amend the Riot (Damages) Act. This didn’t happen before the election but, now that the dust has settled, it seems that something is going to happen. The House of … Continue reading New riots bill on the agenda

Flood risk certificates

We’re all waiting for the start of Flood Re – the scheme to provide affordable flood insurance for even those properties at the highest risk of flooding. In the meantime, there are some very interesting associated moves happening. Groups in the insurance industry have now called for the introduction of a flood resilience certificate for … Continue reading Flood risk certificates

Premiums go down – but beware

This would seem to be good news: apparently the cost of home insurance has fallen to a five-year low, according to one comparison site. Moneysupermarket.com reports that premiums are now at an average of £116 a year, compared to £160 five years ago. This is attributed to a dramatic fall in burglary rates across Britain, … Continue reading Premiums go down – but beware

Lodgers and insurance

Last week’s budget contained a number of measures aimed at easing the housing shortage. One of them was an increase in the amount landlords who let out a room in their own home can receive in rent before they start paying tax. Currently, if you’re a ‘lodger landlord’ and you rent out a room in … Continue reading Lodgers and insurance

Did you get through July 1st?

Apparently July 1st is a very bad day. According to one insurer, there are more claims for accidental damage on this day than any other in the year. As a result, it’s been renamed Clumsy Day. Analysis by Direct Line has shown that there is a 60 per cent increase in accidental damage claims on … Continue reading Did you get through July 1st?

Insurance policies and value for money

Good news for anyone buying insurance: you might soon be able to judge whether the policy you’re paying for offers good value for money. Apparently, the Financial Conduct Authority is looking at whether it might force UK insurance firms to publish their average payouts and how many claims they actually accept. This follows a study … Continue reading Insurance policies and value for money

Gas barbecue safety

I’m very old fashioned when it comes to barbecues: I would never consider buying a gas barbecue as it feels like cheating to me. But I could soon be in a minority: according to recent figures, gas barbecue sales are set to overtake charcoal. Apparently people are moving over because of convenience, better control of … Continue reading Gas barbecue safety

Landlords’ insurance: the buy-to-let boom

We’ve all heard about Generation Rent: unlike previous generations, many young people these days are finding it impossible to get on the property ladder and so are forced to rent for years instead. Of course, this means there has also been a rise in the number of private landlords, and recent relaxations in what people … Continue reading Landlords’ insurance: the buy-to-let boom

Affordable flood insurance delayed

So we were right: Flood Re, the scheme for affordable flood insurance, won’t now come in effect next month. According to reports, it has been delayed until April 2016 – which means that many householders in areas at high risk of flooding could face rocketing insurance premiums until the agreement comes into force. And it … Continue reading Affordable flood insurance delayed

Insurers are failing small businesses

We know from our work with small businesses that, when they need to make an insurance claim, then the time it takes and the way it’s handled can make the difference between survival or going under. This makes it all the more important that their insurer responds quickly and appropriately. But this doesn’t always happen: … Continue reading Insurers are failing small businesses

Check monthly instalments for home insurance

Apparently more than half of us pay for our insurance by monthly instalments. If you do, then beware: according to the Financial Conduct Authority (FCA), insurance companies are not being clear about how much more this will cost. According to reports, there’s just not enough detail if you buy insurance online about the difference in … Continue reading Check monthly instalments for home insurance

Smoke alarms: testing is not enough

We check our smoke alarm regularly – and it gives us a reassuring beep every time we press the button. Then last week, someone in the house (not me!) left the grill on. Smoke started billowing out and it certainly reached the alarm – which wasn’t activated. In short, it wasn’t working and we’ve got … Continue reading Smoke alarms: testing is not enough

The dangers of mirrors and jars

We issued a warning this time last year about the dangers of mirrors or glass in the sun. Recent news stories show just how devastating this can be so we’re issuing the warning again. Last time, a pile of papers started to smoulder because of sunlight reflected by a make-up mirror, but the fire didn’t … Continue reading The dangers of mirrors and jars

A new government: more delays for Flood Re?

So the 2015 General Election is over – although as I write this it’s still not completely clear just what is going to happen. Once the dust has settled, it will then only be a few weeks before the new Flood Re agreement for affordable flood insurance is due to become law. This is meant … Continue reading A new government: more delays for Flood Re?

Insurance and social media

We wrote recently about the dangers of posting details of your holidays on social media – it’s an open invite to burglars. And now it seems that the insurance industry is starting to take notice. Last week the Financial Ombudsman issued a warning that insurance against burglary could be jeopardised if details of holidays are … Continue reading Insurance and social media

Compulsory smoke alarms in the rented sector

We wrote recently that it’s now compulsory to have smoke alarms in residential properties in France – but not in this country. But there has now been some news on this score: from October, landlords will be required by law to install working smoke and carbon monoxide alarms in their properties. According to the Department … Continue reading Compulsory smoke alarms in the rented sector

Is it a bird? Is it a plane?

As far as technology is concerned, where the States leads, we’re usually not far behind. So beware: the insurance drones are coming! There was a lot in the news recently about Amazon being given the go-ahead to use drones for deliveries in the US. Now the Federal Aviation Authority has given approval for some insurers … Continue reading Is it a bird? Is it a plane?

Flood Re: it’s not settled yet

It was only two weeks ago that we wrote about Flood Re moving one step closer to becoming law, when its ‘secondary legislation’ was laid before Parliament. But it seems there are still some problems ahead. A coalition of interested parties has now written to the government asking them to delay laying down the final … Continue reading Flood Re: it’s not settled yet

Riot Bill: the latest

There’s some news on the draft Riot Compensation Bill, which we last wrote about back in September 2014. It seems that the government has responded to criticisms that its previous proposals would have excluded all but the smallest businesses from this safety net. The current legislation dates from 1886 and was shown to be completely … Continue reading Riot Bill: the latest

Flood Re and flood defences: good news

There were two items of good news regarding flood insurance and flood defences last week. Firstly, Flood Re – the new government scheme for affordable flood insurance – progressed to the next stage in its parliamentary journey. Its ‘secondary legislation’ was laid before parliament, which marks the completion of negotiations with government. This means that, … Continue reading Flood Re and flood defences: good news

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How does the insurance claim process work?

In most cases, a significant insurance claim will be a once in a lifetime experience and people tend to look for reassurance about what to expect over the coming months. To be fully prepared for what lies ahead, we would always recommend speaking to an industry expert. This page has be written to give policyholders a general understanding of the insurance claim process.

How long will it take to get back into my property?

We have found this to be a common concern and one that most policyholders struggle to get answered by their Loss Adjuster. Industry experts at Morgan Clark can determine a good approximate timeframe by talking through the basic details of your claim.

Will I annoy my insurer by using Morgan Clark?

If your insurer is trying to dissuade you from using Morgan Clark, you should question why they are against the idea of you being equally represented. A Loss Assessor can only help a policyholder claim for what is legally within their insurance contract - is their reticence based on them looking to settle your claim as cheaply as possible?

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