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Travel Insurance to protect yourself abroad

Protect yourself abroad with Travel Insurance

As summer approaches, the excitement of planning your holiday can sometimes overshadow the practicalities that ensure peace of mind. One of the most crucial aspects of travel preparation is securing travel insurance. This blog will help you understand what travel insurance is, why it’s essential, and the different components that can protect you from unforeseen events during your travels.

What Is Travel Insurance?

Travel insurance is a safety net, designed to protect you against financial losses that might occur before or during your trip. It can cover a range of issues from trip cancellations, and medical emergencies, to lost luggage. In essence, it ensures that your investment in your holiday is protected and that you have support in handling unexpected situations. The policy can be bought as individual per trip, or as a whole annual sum for multiple trips, often it is more cost effective to pay an annual sum.

Why’s it Important to be insured when traveling?

Imagine you’ve booked a non-refundable luxury trip, and a week before departure, you fall ill. Without travel insurance, you might lose all the money spent on flights, hotels, and tours. Travel insurance mitigates such risks, offering peace of mind and financial protection. Here are some compelling reasons to consider it:

Financial Protection:

Recover non-refundable costs if you must cancel your trip.

Medical Emergencies:

Covers medical expenses and emergency evacuations.

Peace of Mind:

Ensures assistance in emergencies like lost luggage or travel delays.

Types of Travel Insurance

To tailor travel insurance to your needs, understanding its components is key. Here’s a breakdown of the most common types of coverage available:

Cancellation:

This coverage reimburses you for pre-paid travel expenses if you must cancel your trip due to unforeseen circumstances such as illness, injury, or death of a family member.

Delay:

If your trip is delayed due to reasons like flight cancellations or severe weather, this coverage reimburses you for additional expenses incurred, such as accommodation and meals.

Interruption:

If your trip is cut short for reasons covered by the policy—like illness, severe weather, or family emergencies—this insurance helps recover the costs of the interrupted part of your trip.

Medical/Health:

This covers medical, and emergency expenses incurred due to illness or injury while traveling. It ensures you get the necessary treatment without worrying about the costs. However, it’s important to remember this does not automatically cover you for any pre-existing medical issues.

Medical Evacuation:

In case of severe illness or injury, this coverage arranges and pays for emergency transport to a suitable medical facility or back home.

Accidental Death:

Provides financial compensation in the event of death during your trip, offering peace of mind for you and your loved ones.

Luggage Loss:

Reimburses you for personal items that are lost, stolen, or damaged during your trip. Note that this may exclude items lost or damaged by airlines, so reviewing the policy details is crucial.

Theft/Personal belongings:

Most policies will cover your assets in case of theft, loss, damage, etc. However, you must be aware of the inner limits of your policy, as they often differ (the amount the insurer will pay and what criteria you must meet for them to do so).

As you plan your summer holiday, don’t overlook the importance of travel insurance. It’s a small investment that can save you from significant financial losses, and provide support in emergencies. Whether it’s a medical situation, a flight delay, or lost luggage. Having comprehensive travel insurance means you can focus on enjoying your trip, knowing you’re protected against life’s unexpected turns.

Before purchasing, always read the policy details carefully to ensure it provides the correct cover.

Here at Robison, we provide bespoke insurance policy’s to cover all of your needs, to ensure you have safe travels and happy holidays/business trips!

 

To discuss a query, new policy, or current policy, please head to our Contact page 

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Safeguard Your Business in the Digital Age: Navigating Cyber Threats and Protecting Your Future

Safeguard Your Business in the Digital Age: Navigating Cyber Threats and Protecting Your Future

In today’s interconnected world, it’s never been more important to safeguard your business. The digital landscape is evolving at an unprecedented pace, offering boundless opportunities for growth and innovation. However, alongside these advancements comes an alarming increase in cyber threats, presenting significant risks to businesses of all sizes.

Understanding the Cyber Threat Landscape to Safeguard Your Business

Recent reports underscore the severity of the situation. Studies reveal a substantial surge in cyber-attacks, affecting organizations across various sectors. No longer confined to large corporations, small and medium-sized enterprises (SMEs) are equally vulnerable targets. Moreover, phishing scams, email impersonation, and malware are among the most prevalent tactics employed by cybercriminals, posing a significant threat to business operations and data security.

The Impact of Cyber on Your Business

The repercussions of a cyber-attack extend far beyond mere financial costs. Not only can the immediate financial burden be substantial, but the long-term consequences can be even more severe. Additionally, a cyber-attack can tarnish your business’s reputation, disrupt operations, and, in extreme cases, threaten its very existence.

Safeguard Your Business: Simple Steps for Cybersecurity

Firstly, assess your risks: Regularly evaluate your cybersecurity risks and prioritize addressing vulnerabilities in your systems and processes. Understanding your unique risk profile is essential in developing an effective cybersecurity strategy.

Secondly, secure access: Implement multi-factor authentication and strict access controls to prevent unauthorized entry to your critical systems and data. Strong authentication measures are fundamental in thwarting cyber threats.

Next, enhance network security: Deploy robust network security measures, such as firewalls, intrusion detection systems, and encryption protocols, to protect your network from malicious activity. Furthermore, regularly monitor network traffic for suspicious activity and anomalies.

Additionally, protect your data: Encrypt sensitive information both at rest and in transit to prevent unauthorized access or interception. Implement data loss prevention solutions to monitor and control the movement of sensitive data within your organization.

Moreover, prepare for incidents: Develop and test response plans for security incidents to ensure a swift and coordinated response in the event of an attack. Establish clear procedures for incident detection, containment, eradication, and recovery.

Also, educate your employees: Provide comprehensive cybersecurity training to all employees to raise awareness about common threats and promote good cyber hygiene practices. Employees are often the first line of defense against cyber-attacks.

Finally, conduct regular audits: Conduct frequent security audits to assess the effectiveness of your cybersecurity controls and ensure compliance with regulatory requirements and industry standards. Identify any gaps or deficiencies in your security posture and take corrective action promptly.

The rise in cyber threats underscores the critical importance of preparedness. By adopting robust cybersecurity practices and investing in comprehensive cyber insurance, you can navigate the digital landscape with confidence. Remember, the best defence is a proactive offense. Don’t wait until it’s too late to safeguard your business – act NOW.

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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5 Sneaky Scams To Watch Out For!

5 Sneaky Scams To Watch Out For!

Spotting scams used to be easy-peasy with all their language slip-ups, but now, cyber-criminals utilize advanced AI techniques to make their messages appear authentic. Did you know that a whopping 3.4 million spam emails are sent worldwide every single day? But guess what? Phishing emails aren’t the only tricks up their sleeves. There are plenty of other schemes waiting to catch you off guard. So, it’s super important to keep your guard up and protect your personal info, especially on social media. Here are five scams you’ll want to keep an eye out for:

Quishing:

Picture this: You scan a QR code, and suddenly you’re directed to a fake login page. That’s quishing in action! These QR codes could pop up anywhere—from parking meters to your inbox. So, keep your eyes peeled and think twice before you tap.

Tapjacking:

Ever heard of tapjacking? It’s like a sneaky ninja move for your phone. Scammers sneak a sketchy app or overlay onto your screen, making it hard to see what you’re tapping. That’s how they trick you into doing stuff you didn’t mean to. Stick to downloading apps from trusted sources to avoid falling into their trap.

AI and deepfake scams:

Yep, scammers are getting tech-savvy! They’re using AI to impersonate legit sources, like creating fake audio of your boss asking you to wire money. Sneaky, right? Stay sharp and question anything fishy that comes your way.

Spear-phishing:

This is like the ninja of scamming! Scammers gather info about you—your name, job, relationships—and use it to craft super convincing messages. But hold up! Legit organizations don’t usually spill personal details like that in their emails, so if you see it, it’s a big red flag.

Online ads:

Okay, so you know those ads that pop up everywhere online? Well, some of them might be scams. Even though there’s a law in the works to crack down on scammy ads, it’s not in effect yet. So, be careful where you click!

Stay savvy, stay safe, and keep those scammer ninjas at bay!

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