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Premium House Insurance

Prestige Home Insurance

We understand that for most people, their home is their most valuable asset. It is not just the bricks and mortar of the property, but also the contents and valuables within the home that require careful consideration to ensure that the correct sums insured and cover are applied.

By choosing Backhouse you will have access to a client manager who will take time to understand your individual needs and arrange the right protection for you. We pride ourselves on offering a personal service to ensure you get the attention you deserve.

We have access to leading insurers who can provide policies with benefits such as:

  • Worldwide all risks cover for your contents and valuables

  • Specialist cover for your fine art and antiques

  • Worldwide cover for your jewellery and watches

  • Annual Travel Insurance

  • Expert claims service

For more information please contact Ian Nixon on 01282 677776

To view our Private Client Brochure please click here>

9:57 am (20 minutes ago)
The UK's economy grew by 2.6% last year, the fastest pace since 2007, figures from the Office for National Statistics show.
3:01 am (7 hours ago)
It is unrealistic to expect Greece to repay its huge debt in full, a spokesman for Syriza - which won Sunday's election - tells the BBC.
8:41 am (an hour ago)
Irish airline Aer Lingus says it is "willing" to accept a €1.36bn takeover offer from British Airways owner IAG if the interests of "relevant parties" are satisfied.
8:56 am (an hour ago)
Facebook says it was responsible for a fault that caused its social network, Instagram photo service and other apps to become unavailable for about 40 minutes.
Yesterday 11:11 pm (11 hours ago)
Russia's credit rating is cut to junk by US ratings agency Standard and Poor's for the first time in a decade.
9:07 am (an hour ago)
Foxtons, the high profile London estate agency, says its income from home sales fell sharply at the end of last year.
7:14 am (3 hours ago)
Rangers agree a £10m loan from Mike Ashley's Sports Direct to relieve the club's "perilous" financial state.
4:31 am (6 hours ago)
Australia's national carrier Qantas will axe fuel surcharges on international ticket prices, but will raise base air fares to compensate for the cut.
9:29 am (49 minutes ago)
Tokyo's Nikkei share index rose sharply on Tuesday, helped by a weaker yen and by the calm reaction in US and European markets to the Greek election result.
12:00 am (10 hours ago)
Families with young children and poorer households have been worst affected by government changes to tax and benefits, according to a new report.
Yesterday 10:26 pm (12 hours ago)
Microsoft reports falling profits but sales were helped by strong Xbox sales over the holiday season.
Yesterday 3:55 pm (18 hours ago)
Mattel removes chief executive as Barbie falls out of favour, sending sales in the crucial Christmas season down 6%.
Yesterday 2:34 pm (20 hours ago)
A consortium of estate agents has launched a new property website to rival Rightmove and Zoopla, which dominate the market.
Yesterday 5:35 pm (17 hours ago)
Shares in regional airline Flybe fall by more than a quarter after it says full-year results will be worse than expected.
Yesterday 11:58 am (22 hours ago)
Energy company SSE says it is cutting its domestic gas prices by 4.1% from 30 April, saving the average household £28 a year.
Friday, January 23rd, 5:10 pm
The influential 172-year-old publication sells 1.6m print copies a week
Wednesday, January 21st, 7:35 pm
Tootsie Roll chief executive Melvin Gordon dies at the age of 95 after leading the US confectionery firm more than 50 years.
Sunday, January 25th, 10:00 pm
A specialist tax avoidance and evasion unit targeting UK residents earning more than £150,000 collected 60% more revenue last year.
Saturday, January 24th, 4:37 pm
A leading pensions expert says the government's new pension advice service will not be properly staffed by the launch date of 6 April.
Friday, January 23rd, 10:27 am
Coalition austerity changes to taxes and benefits have cost the average UK household £489 a year, according to the Institute for Fiscal Studies.
Yesterday 8:15 pm (14 hours ago)
The German government warns Greece that it must meet its commitments to lenders, after the election win of the Greek anti-austerity Syriza party.
Saturday, January 24th, 3:34 pm
A top official at the European Central Bank warns that unemployment and low growth are undermining the European Union.
Friday, January 23rd, 3:34 am
Growth in South Korea - Asia's fourth largest economy - fell to a six year low in the fourth quarter of last year, latest figures show.
Thursday, January 22nd, 12:01 am
Indigenous tribes in Brazil are increasingly turning towards tourism to make their living, but there are concerns that some may be being exploited, reports Donna Bowater from the Amazon.
Sunday, January 18th, 11:39 pm
How UK entrepreneur Emily Brooke was inspired to develop a new bicycle light, the Blaze Laserlight, which as the name suggests, projects a laser onto the road.
Wednesday, January 14th, 9:17 pm
Since the Fukushima nuclear disaster of 2011, sales of sake from the region have plummeted, with radiation fears putting off Japanese consumers and China banning their import.
Sunday, January 25th, 11:49 pm
Fifa president Sepp Blatter accuses Uefa of lacking the "courage" to challenge his leadership in May's election.
Friday, January 23rd, 7:48 pm
Rangers and Mike Ashley agree that Ibrox Stadium will now not be used as security over any further loans.
Thursday, January 22nd, 12:22 pm
The head of the International Olympic Committee says any country bidding to host the Games must make a commitment to "non-discrimination".
12:06 am (10 hours ago)
Retirement can be uncertain for former professional tennis players - but some are finding new ways to employ their skills.
1:32 am (9 hours ago)
Some Australian firms have embraced new businesses, but just how far should they diversify? BBC's Phil Mercer finds out.
12:00 am (10 hours ago)
A video explaining poverty across the globe, as part of the BBC's new A Richer World season - exploring prosperity, poverty and inequality.
Yesterday 10:08 pm (12 hours ago)
The man who was the architect of Greece's bailout has said he expects the country to still pay back its entire debt even if repayment terms have to be altered.
Yesterday 11:58 pm (10 hours ago)
Syriza leader Alexis Tsipras has vowed to renegotiate Greece's bailout, worth €240bn (£179bn; $268bn), to end Greece's "humiliation and pain".
Yesterday 11:40 am (23 hours ago)
The Greek election result shows there are "danger signs" in the global economy, David Cameron has warned.
Yesterday 5:41 pm (17 hours ago)
A Shropshire farmer has said he expects Syriza's victory in the Greek general election will have a negative impact on the UK farming industry.
Yesterday, 12:05 am
Datshiane Navanayagam meets Adnan Ebrahim, founder and boss of popular car enthusiasts' website Car Throttle.
12:05 am (10 hours ago)
What does it take to join the wealthy elite?
12:07 am (10 hours ago)
Finding a new job after hanging up the tennis racquet
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Where next for the eurozone?
12:07 am (10 hours ago)
Africa's "solar-preneurs" bring light to the unconnected
12:01 am (10 hours ago)
How to build the world's tallest lift
Yesterday 10:57 am (23 hours ago)
Whatever happened to the future of transport?
Yesterday, 12:00 am
The young car fan whose website is a growing hit with petrolheads
Saturday, January 24th, 12:00 am
The young entrepreneur tackling the 'skills gap'
Wednesday, January 21st, 8:49 pm
Queues, snowmen and CEOs
Friday, January 23rd, 10:30 pm
Can things get any worse for beleaguered savers?
Friday, January 23rd, 4:40 pm
Li Ka-shing: The man who wants to add O2 to Three
Friday, January 23rd, 12:00 am
The business of taking back embarrassing messages
Friday, January 23rd, 12:01 am
Have women tennis players smashed the gender pay gap?


New UK Legislation enabling the HSE to charge a Fee for Intervention (FFI)

What is FFI? 

Increased squatters risk in commercial properties
From 1st September squatting in residential buildings in England and Wales became a criminal offence


At present we are all seeing many articles and commentaries in the press and TV regarding the price of gold, silver and diamonds on a seemingly upward trend in cost.This is very true as you can see from the attached graph showing gold and silver over a two year period.


The cost of heating oil has increased significantly recently, resulting in more thefts of oil from both domestic and commercial properties.

The first indication that a theft has taken place is often when the heating stops working.


Rate reductions are still possible for clients for property and liability insurance.  Abundant capacity and competition between Insurers are preventing increases, other than where there has been poor claims experience on individual accounts or within specific sectors.


The first Corporate Manslaughter Prosecution has been successful in the United Kingdom.

It is more important than ever to ensure that your Managers, Directors, Officers as well as the Company have cover in place to protect them.


From 2011 if your vehicle is not registered on the MID and has not been declared as 'Off-Road' you will receive a letter warning you that you could face a fine, prosecution as well as your vehicle being clamped, seized or ultimately destroyed.


With effect from 1st April 2011 the Employers' liability Tracing Office (ELTO) will be introduced.

The purpose of the ELTO is to assist the insurance industry in meeting its obligations to help those who have suffered injury or disease in the workplace identify the relevant insurer quickly and efficiently.

We have since 2008 used Backhouse to place all our insurance risks, their unique approach to our tender process was one of the major factors behind placing out trust in Backhouse. They took the trouble to research our business carefully and brought to our attention areas of cover that had never been considered before.

Paul Reyner, Fagan and Whalley