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Home protection during Christmas: keep your property secure

Home protection during Christmas: keep your property secure

The festive season is here, and for many, that means planning exciting Christmas getaways. However, while you’re busy packing for the holidays, don’t overlook the importance of home protection during Christmas. With longer nights and many homes left unoccupied, this season can be an opportunistic time for burglars. Let’s explore how you can secure your home and enjoy a worry-free holiday.

Why home protection during Christmas matters

Christmas is a time of joy and celebration, but it’s also a time when property crime tends to spike. Many homes are left vacant, creating an ideal opportunity for burglars. According to national crime statistics, burglary rates increase during holiday periods, with unattended homes being a primary target. Ensuring your home is protected can prevent costly losses and unnecessary stress.

Risks to Your Home During Christmas

Leaving your home unoccupied over the festive period comes with risks that can be avoided with the right precautions:

  • Burglary and theft: Unsecured homes are easy targets for burglars.
  • Weather damage: Frozen pipes or storms can cause significant property damage.
  • Power outages: Unexpected cuts can lead to issues with home security systems.

Understanding these risks is the first step to safeguarding your home this holiday season.

How to ensure home protection during Christmas

A few simple measures can make a significant difference in keeping your home secure while you’re away:

Secure your home before leaving

  • Check all windows and doors to ensure they are locked.
  • Install motion-sensor lighting outside to deter potential intruders.
  • Use smart home security systems to monitor your property remotely.

Keep your home lived-in

  • Use timers to turn lights on and off during the evening.
  • Ask a trusted neighbour to collect post and check your property.
  • Avoid posting travel plans on social media to reduce your home’s visibility as unoccupied.

Prepare for weather risks

  • Insulate exposed pipes to prevent freezing and bursting.
  • Clear gutters to reduce the risk of water damage.
  • Keep your heating on low to maintain a consistent temperature.

Why choose Robison & Co for your home protection needs

At Robison & Co, we know that effective home protection requires more than locks and alarms. That’s why we offer tailored insurance policies designed to safeguard your property and belongings during the festive season. With decades of expertise and personalised advice, we ensure you’re fully covered against theft, damage, and unexpected incidents.

Our team provides ongoing support to address any concerns and guide you through the claims process if needed. We’re not just an insurance broker—we’re your partner in protecting what matters most.

Stay protected this Christmas

Don’t let the worry of home security overshadow your holiday cheer. By taking proactive steps and choosing the right insurance cover, you can enjoy a stress-free Christmas getaway. Contact Robison & Co today to learn more about bespoke policies that keep you safe during the festive season.

 

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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Property Owners Insurance Tips For Weathering The Storm

Property Owners Insurance Tips For Weathering The Storm

In today’s changing climate, it’s more important than ever to ensure your property is well-protected against extreme weather events buy purchasing a bespoke Property Owners Insurance policy. From floods to storms, these occurrences can be unpredictable but being prepared is key. Let’s explore some Property Owners Insurance tips to help keep your property safe and secure.

Understanding Your Property Owners Insurance Coverage

  1. Homeowners Insurance: Your standard policy typically covers common risks like fire and theft. However, it may not include coverage for floods. Consider adding specialized coverage if you live in areas prone to flooding.
  2. Flood Insurance: Living in a flood-prone area? Flood insurance is a must-have. It can be a separate policy from homeowners’ insurance but provides essential protection against flood-related damage to your property.

Mitigating Risks

  1. Regular Maintenance: Keeping up with property maintenance can go a long way in reducing risks during extreme weather. From trimming trees to clearing gutters, small efforts can make a big difference.
  2. Safety Measures: Investing in storm shutters, reinforced roofing, and smart home technology can enhance your property’s resilience. Plus, they provide early warnings and help minimize potential damage.
  3. Disaster Preparedness: Having a solid disaster plan in place is crucial. Make sure everyone in your household knows what to do in case of an emergency, from evacuation procedures to securing valuables.

Protecting Your Investment

While we can’t control the weather, we can certainly take steps to protect our properties and loved ones. With the right Property Owners Insurance coverage and proactive measures, you can weather any storm that comes your way. At Robison and Co Insurance Brokerage, we’re here to help you find the perfect coverage tailored to your needs.

Stay safe and prepared for whatever nature throws at you.

 

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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Key Insurance Terms You Need To Know

Navigating Insurance Lingo: Your Guide to Understanding Key Insurance Terms

Navigating insurance terminology can feel like navigating a confusing maze, but don’t worry! We’re here to guide you through it in a friendly and approachable manner. Whether you’re a seasoned insurance pro or just dipping your toes into the world of coverage, understanding the language used in insurance policies is essential. So, let’s break down some of the most common insurance terms together!

Average Clause:

A provision reducing a valid claim based on the degree of under-insurance.

Capital Additions Clause:

This clause covers alterations or additions to existing premises or newly acquired buildings, as well as additional computer or office equipment.

Conditions:

These are additional provisions in an insurance policy outlining procedures, qualifications, or important stipulations. Conditions may include:

  • Conditions precedent of the policy, relieving the insurer of all liability if not observed.
  • Conditions precedent to liability, relieving the insurer of liability for a particular claim if not observed.
  • Conditions subsequent, which don’t prejudice claim payment but entitle insurers to counterclaim damages.

Data Protection Act:

This covers liability incurred under Sections 22 and 23 of the Data Protection Act 1984, related to personal data. Exclusions include fines, penalties, and the cost of data replacement or rectification.

Debris Removal Clause:

It covers costs of removing debris, dismantling, demolishing, and shoring up.

Definition of Employee:

This term encompasses individuals under contract with the insured, labour masters and their workers, subcontractors, self-employed individuals, students or interns under supervision, and hired or borrowed workers.

Excess:

The portion of loss borne by the insured before insurance coverage applies (also known as a deductible).

Green Card:

An international certificate of insurance for motorists traveling abroad.

Health & Safety at Work Defence Costs:

Covers expenses for defending against criminal proceedings related to breaches of health and safety regulations.

Indemnity:

This principle aims to restore the insured to their pre-loss position as much as possible.

Indemnity Period:

It applies to Business Interruption Insurance, specifying the maximum period during which the policy protects against business interruptions due to damage.

Indemnity to Other Persons:

This extends indemnity to directors, employees, and members of related organizations.

Indemnity to Principal:

Provides indemnity to public or local authorities, with insurers controlling all claims.

Limit of Indemnity:

The maximum amount for which the insurer is liable under the policy.

Long Term Undertaking (LTU):

An agreement offering premium discounts for policy renewal at existing terms for a specified period.

Other Interests:

Parties with vested interests must declare them to insurers in case of loss.

Prevention of Access:

Covers property damage hindering access to premises.

Reinstatement Day One Non-Adjustable:

Initial cost of reinstatement plus an agreed inflation percentage.

Subrogation:

The insurer’s right to step into the insured’s shoes to pursue rights and remedies.

Sum Insured:

The policy’s liability limit.

Unoccupied Premises Warranty:

Conditions for maintaining security and inspecting unoccupied premises.

Warranty:

A condition imposed by the insurer, which, if not met, can discharge the insurer from liability. Types include:

  • Express Warranty: Specific undertakings by the insured.
  • Implied Warranty: Related to the seaworthiness or legality of an adventure, mainly in marine insurance.

 

Understanding these key insurance terms puts you in the driver’s seat when it comes to protecting yourself, your loved ones, and your assets. If you ever find yourself unsure about any insurance terminology or need assistance with your policy, don’t hesitate to reach out to your insurance agent. They are there to help you navigate the ins and outs of insurance coverage with confidence.

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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Spring cleaning

Spring cleaning tips for a peaceful and decluttered home

A peaceful house could be an enjoyable escape from the daily grind. A simple way to promote peacefulness is to declutter. Numerous study organisations have discovered that decluttering and carrying out spring cleaning can improve worker efficiency, mood, and quality of sleep. Moreover, you and your family will feel safer in an uncluttered atmosphere. Piles of paper, packaging, and other flammable substances in particular could be a fire hazard. Unnecessary items on the floor could obstruct fire escape routes and pose a trip hazard. Therefore, if you want to be healthy and smiling this spring, think about the benefits of decluttering. Consider the following advice to get you going with your spring cleaning:

Create a list.

You can focus on the parts of your house that require immediate spring cleaning.  As you examine your home, make a note of any problematic spots that require attention. Focus in on certain drawers, cabinets, and shelving that need to be cleaned, taking extra care to tidy up any spaces that might have become overlooked over the winter.

 

Starting small.

Taking on a lot at once runs the risk of overwhelming yourself too much. Rather, choose a room and begin decluttering a single drawer or nook. Alternatively, set a timer to remind you to declutter for a specific number of minutes each day.

 

Make use of storage options.

After sorting the objects, choose a storage location. Make use of every inch of space, even under the beds, the washbasin, and the stairs. Showcase your belongings without fear; use fashionable storage boxes or stacking drawers for this.

 

It can feel like an uphill battle to declutter and spring clean. However, you may create a calm environment, lessen tension, and improve safety with little changes. Contact us now for more advice on home safety.

 

To find out more about the Employment tribunal compensation increase and how it affects you,

Please feel free to get in touch with us by clicking one of the options below!

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