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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 or email inixon@backhouse.co.uk

To view our Private Client Brochure please click here>

6:53 pm (4 hours ago)
One of Britain's biggest cigarette companies labels Ed Miliband's plans for a new "tobacco tax" as "unjust and just a bad idea".
12:17 pm (11 hours ago)
Barclays Bank has been fined a record £38m by UK regulators for failing to keep its clients' assets separate from its own.
12:49 pm (11 hours ago)
Troubled supermarket giant Tesco says its new chief financial officer, Alan Stewart, is joining the company immediately, more than two months earlier than originally planned.
3:46 pm (8 hours ago)
National Grid says it has signed deals with companies including Tata Steel and Flexitricity to pay them for using less electricity at peak times.
6:35 pm (5 hours ago)
Up to 200 Air France pilots have demonstrated in Paris over the company's plan to expand its low-cost airline.
1:51 pm (10 hours ago)
Government borrowing remained high in August, hampering the chancellor's efforts to reduce the public deficit, official figures show.
10:46 am (13 hours ago)
The amount of new borrowing through personal loans has outstripped repayments every month this year, figures from UK banks indicate.
10:04 pm (an hour ago)
A takeover offer by pub and brewery group Greene King for rival Spirit is rejected because Spirit says it 'undervalues' the company.
11:37 am (12 hours ago)
Alibaba founder Jack Ma is China's richest person following his company's record listing, according to a wealth survey by the Hurun Report.
7:51 am (16 hours ago)
Designer shoe maker Jimmy Choo announces plans to list its shares on the London Stock Exchange.
5:00 pm (6 hours ago)
The FTSE 100 falls sharply, with drugs shares hit by new US tax rules that are seen as making UK firms less desirable takeover targets.
9:15 am (14 hours ago)
Tate and Lyle warns that supply chain problems and more competition in the sweetener market will hit its profit after a "challenging" half year.
11:57 am (11 hours ago)
Eurozone business growth cooled again in September, with activity expanding at its slowest pace since December, a closely-watched survey indicates.
10:06 am (13 hours ago)
Dutch electronics giant Philips says it is planning to split the company in two, separating its lighting business from its healthcare division.
10:48 am (13 hours ago)
China's biggest privately-held company Fosun joins a bidding war for Portuguese hospital operator Espirito Santo Saude.
Yesterday, 8:06 pm
Almost 1,700 jobs are to go at the failed mobile phone retailer Phones 4U, after the firm's administrators confirmed that 362 stores will close.
7:39 am (16 hours ago)
BHP Billiton and Mitsubishi plan to cut 700 jobs at a joint coal mining venture in Australia because of tough market conditions.
11:54 am (11 hours ago)
Insurers have been criticised for turning down claims from holidaymakers who had been drinking alcohol before having an accident.
Yesterday, 8:51 am
The chief executive of Chinese footwear firm Ultrasonic has spoken to Chinese media and denied running off with the firm's cash.
Yesterday, 1:46 pm
Investment analysts have urged investors to be cautious after the Royal Mint launched a new website selling gold and silver coins.
Yesterday, 5:07 pm
Ed Balls says he will increase the minimum wage, bring in a mansion tax, freeze child benefit and axe the "bedroom tax" in his first Budget if Labour wins power.
Yesterday, 11:36 am
Regulator Ofgem is launching a review of energy firms' communications with customers in debt amid concerns over potentially misleading letters.
12:01 am (23 hours ago)
The White House announces new treasury department measures aimed at stopping companies avoiding US taxes by merging with overseas firms.
Yesterday, 7:51 pm
Plans to build a new nuclear power plant at Hinkley Point in Somerset are recommended for approval following a European Commission investigation.
Yesterday, 6:28 pm
Mick Cash is elected general secretary of the Rail, Maritime and Transport Union following the death of previous leader Bob Crow.
Thursday, September 18th, 12:20 am
A group of farmers are hoping to succeed where others have failed: in creating the first commercially viable wasabi growing business in North America.
Wednesday, September 17th, 12:28 am
A profile of Everett Alvarez, the former US Navy pilot, who spent eight and a half years as a prisoner of war in North Vietnam, before a successful career in government and business.
Tuesday, September 16th, 12:01 am
Ivorian Coast entrepreneur Thierry N'Doufou talks about how he developed a tablet computer which he wants to be used by all school children in the country.
4:58 pm (6 hours ago)
Liverpool FC is given permission to increase Anfield's capacity from 45,000 to about 59,000 as part of a £100m expansion plan.
Yesterday, 8:01 pm
A report into alleged corruption at Fifa, football's world governing body, could lead to criminal charges, an MP believes.
Yesterday, 12:09 pm
Regional Rugby Wales confirm Wales captain Sam Warburton has the first dual contract under the new deal with the WRU.
Yesterday, 4:57 pm
Tesco's chief executive Dave Lewis has said there will be a "full and frank investigation" after the supermarket overstated its profits. Watch the full interview.
2:12 am (21 hours ago)
Catherine Yeung, investment director at Fidelity Worldwide tells Rico Hizon that she expects a 'bumpy ride' for the Chinese economy.
Yesterday, 7:35 pm
The Royal Mint has launched a new website selling gold and silver coins.
2:38 pm (9 hours ago)
Troubled retailer Tesco has announced that its new chief financial officer, Alan Stewart, is to start work on Tuesday, more than two months earlier than originally planned.
3:03 am (20 hours ago)
The Marriott hotel chain plans to open a new hotel almost every week in Asia over the next three years to help cater for Chinese tourists.
Yesterday, 1:28 am
The chief executive of De Beers says that China will be the 'engine' of growth for the diamond market.
Sunday, September 21st, 8:06 pm
Taralika Lahiri runs a private detective agency in Delhi that specialises in matrimonial cases and says her business is thriving.
Yesterday, 2:02 am
G20 finance ministers meeting in Australia say they are close to agreeing a package of measures to boost global growth.
4:38 pm (7 hours ago)
How would it work and who would be affected?
2:06 pm (9 hours ago)
Could this be the next big banking scandal?
8:15 am (15 hours ago)
Has Tesco passed its sell by date?
12:00 am (23 hours ago)
The tech making life a little easier for patients
Sunday, September 21st, 8:06 pm
The detective making money from untrusting couples
Friday, September 19th, 2:00 pm
How 'No' vote will alter Scottish tax and benefits
Thursday, September 18th, 10:41 pm
The man behind China's internet giant Alibaba
Friday, September 19th, 1:11 am
Kenya's security sector grows in aftermath of Westgate attack

HEALTH AND SAFETY (FEES) REGULATIONS 2012

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

IS IT TIME TO REVALUE YOUR JEWELLERY

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.

THEFT OF HEATING OIL

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.

OVERVIEW – 2011

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.

DO YOU HAVE DIRECTORS AND OFFICERS INSURANCE?

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.

CHANGES TO THE MOTOR INSURANCE DATABASE

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.

IMPORTANT CHANGES TO EMPLOYERS' LIABILITY INSURANCE FROM 1ST APRIL 2011

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