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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>

12:05 am (6 hours ago)
There are very few women among the richest people in the UK and other OECD countries, according to a report published by the London School of Economics.
12:05 am (6 hours ago)
People over the age of 50 are spending more and more on holidays - including cruises - while younger people are travelling less, a study for Saga says.
12:05 am (6 hours ago)
Nine in 10 people have no idea what companies do with the personal information the firms hold about them, says the Chartered Institute of Marketing.
1:55 am (4 hours ago)
The US puts sanctions on a Chinese company and four executives alleged to have helped North Korea's nuclear programme.
12:04 am (6 hours ago)
A legal case concerning the sale of video-streaming set-top boxes on which subscription content can be accessed for free begins on Tuesday.
Yesterday 7:44 pm (11 hours ago)
Shares in German banking giant Deutsche hit a new low amid concerns about its financial health and reports the government has ruled out state aid.
12:15 am (6 hours ago)
The first shipment of US shale gas is arriving in Scotland amid fierce debate about the future of fracking in the UK.
Yesterday 6:10 pm (12 hours ago)
The trial has started of six people accused of fraud and corruption involving a department of the Halifax Bank of Scotland.
Yesterday 1:17 pm (17 hours ago)
How golfer Arnold Palmer defined the relationship between sport and brands, becoming the first sportsman to use his fame to build a business empire.
Yesterday 11:10 am (19 hours ago)
One in three people check their phone in the middle of the night and admit their overuse is causing rows with partners, according to a report by Deloitte.
Yesterday 1:39 pm (17 hours ago)
Budget airline Monarch says its flights are operating as normal following "negative speculation" about its financial health.
Yesterday 11:30 am (19 hours ago)
The number of people taking out mortgages fell to its lowest level for 19 months in August, according to the UK's main banks.
Yesterday 11:38 am (19 hours ago)
Aldi reports record sales for 2015 in the UK and Ireland and says it will invest £300m in store revamps, but profits have been hit by the supermarket price war.
1:39 am (5 hours ago)
Anger has been boiling over in China over the controversial practice known as peer-to-peer lending, with investors in one firm saying they have lost tens of millions.
1:38 am (5 hours ago)
On Monday, nearly 50,000 unionised workers at Hyundai held their first nationwide strike in more than a decade, action that could hit the car company's bottom line.
Yesterday 2:07 pm (16 hours ago)
A firm used by the government to cut tax credit payments has received calls from "suicidal" clients, the Victoria Derbyshire programme has been told.
Sunday, September 25th, 11:48 pm
Many small cafes are rethinking free wi-fi in a bid to keep afloat - is the party about to be over for free wi-fi?
Yesterday 3:29 pm (15 hours ago)
5 Love asks listeners if they are addicted to their smartphone after a study has found that over a third of people regularly check their mobiles at night.
Sunday, September 25th, 12:55 am
Levi Roots, the food entrepreneur famous for his sauce, offers the business advice he wishes he had been given when he started out.
Yesterday, 1:04 am
Ken Rogoff, former chief economist at the International Monetary Fund, says the world's second largest economy is slowing much faster than official figures suggest.
Sunday, September 25th, 11:47 pm
The Smart Toy Club collects, sterilises and rents old toys to new customers.
Yesterday 2:21 pm (16 hours ago)
Friends of the Earth misled the public in a leaflet which claimed fracking can cause cancer, a draft report by the advertising watchdog says.
1:33 am (5 hours ago)
All users of the BBC's iPlayer service will have to log in with personal accounts in order to use the service from early 2017.
12:04 am (6 hours ago)
The lucrative counterfeit drugs trade causes hundreds of thousands of deaths every year. Technology can help fight it, but are big pharma and governments doing enough?
Yesterday 9:37 am (21 hours ago)
Fifa secretary general Fatma Samoura says more must be done to make all elements of the football industry more open to women and minorities.
Yesterday, 5:26 am
Monday's successful launch of eight satellites into space proves India's commercial space programme is booming, writes Yogita Limaye.
Sunday, September 25th, 11:49 pm
A profile of technology boss Matthew Prince, whose company Cloudflare protects four million websites, including those of banks, the Eurovision Song Contest, and many in the adult entertainment industry.
Sunday, September 25th, 12:20 am
The BBC's James Badcock examines how activists doggedly pursued their country's former economy minister and IMF chief, Rodrigo Rato, over corruption claims.
Friday, September 23rd, 9:59 pm
Many stay-at-home parents have no proper pension provision - so what can they do to maximise their retirement savings?
Friday, September 23rd, 9:59 pm
Anyone over thirty-five might look at you blankly if you mention vintage kilo sales, but they are increasingly popular with teenagers and students looking for cheap, fashionable clothing.
Friday, September 23rd, 12:03 am
Up to a billion people in Africa derive their main income from farming, but many get embroiled in disputes over whether they really own their land. Can tech help?
Friday, September 23rd, 12:07 am
Bosnia's biggest foreign investment by a Dubai-based property developer is causing some unease amongst locals. But the country needs all the help it can get.
Thursday, September 22nd, 12:05 am
As Angelina Jolie and Brad Pitt prepare to untie the knot, they will become clients of a very lucrative industry providing divorces for the super-rich.
Thursday, September 22nd, 12:38 pm
A marketing hoax of a "fired employee" going berserk with a company's Twitter account goes viral - but how effective is it when advertising plays with people's trust?
Thursday, September 22nd, 12:06 am
A look at the tech firms helping to save and protect the honey bee, as numbers of the vital pollinators continue to fall sharply around the world.
Tuesday, September 20th, 5:08 pm
GSK has announced Emma Walmsley will be its next chief executive, taking the total of women running FTSE one hundred companies to seven. So who are the other six?
Tuesday, September 20th, 12:04 am
As London's autumn fashion week wraps up, what has it told us about the way the fashion industry is changing?
Tuesday, September 20th, 12:04 am
Early diagnosis of disease is literally a matter of life and death, so the race is on to produce cheaper, faster, lighter kits to help doctors and nurses in the field.
Monday, September 19th, 12:00 am
A profile of virtual reality firm boss Samantha Kingston, who has enjoyed a meteoric rise after falling into the video games industry by accident.
Monday, September 19th, 12:00 am
Some US cattle farmers are finding that smaller herds of naturally raised cows are more profitable.
Sunday, September 18th, 7:59 am
Australia's biggest banks have been among the world's most profitable, but face allegations of rate-rigging and anti-competitive behaviour. Are their golden years over?
Friday, September 16th, 10:16 pm
Older people are increasingly saving their loved ones from the cost of a funeral by paying in advance - but many families are unaware because they are scared to talk about death.
Friday, September 16th, 12:35 am
Katy Watson and Sarah Treanor visit insect farms in California and Mexico - but is bug eating, or entomophagy, really going to catch on?
Friday, September 16th, 12:42 am
Solar power is expanding fast in Africa, and innovative products and payment schemes are ensuring the poor and rural communities don't miss out.
Thursday, September 15th, 11:31 am
Hinkley Point: What is it and why is it important?
Thursday, September 15th, 12:39 am
Whether you're a tourist or an executive, it isn't always easy travelling alone, especially if you're a woman. A growing number of businesses are aiming to make the experience easier.
Wednesday, September 14th, 4:55 pm
Some 60 of Hanjin Shipping's cargo vessels are stranded at sea, after the company filed for bankruptcy - with crew and cargo stuck on board. Here's the story of one of them.
Wednesday, September 14th, 12:19 am
With more of us in developed countries living longer but retiring earlier, there is a growing pensions "time bomb". So could the answer be never retiring in the first place?

PRESSURE SYSTEM FAILURE LEADS TO LARGEST EVER CORPORATE MANSLAUGHTER FINE

An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.

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 our 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.

We find Backhouse both conscientious, professional and great value for money delivering a first class claims service.

Paul Reyner, Fagan and Whalley