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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>

4:44 pm (14 minutes ago)
UK employment tribunal rules that Uber drivers are entitled to holiday pay and the national minimum wage.
3:43 pm (an hour ago)
Supermarket Morrisons has raised the cost of a jar of Marmite by 12.5%, say retail industry experts.
1:01 pm (4 hours ago)
Apple increases the prices of its laptop and desktop computers by hundreds of pounds in the UK.
12:50 pm (4 hours ago)
Applying for bankruptcy online rather than in court removes some of the stigma and is proving popular, the Insolvency Service says.
2:05 pm (3 hours ago)
The US economy grew at the fastest pace in two years in the third quarter, initial figures indicate.
9:11 am (8 hours ago)
Royal Bank of Scotland reports a £469m loss for July to September amid continuing "legacy issues".
2:39 pm (2 hours ago)
Up to a fifth of new cars in the UK are estimated to be "pre-registered" to dealers - potentially skewing sales figures and leaving drivers confused.
10:50 am (6 hours ago)
The cost of renting a home in Britain rose faster than the overall cost of living in the past year.
5:25 am (12 hours ago)
There was "no cheque book" offer to Nissan ahead of its move to boost UK production, says the government.
10:50 am (6 hours ago)
Airline group IAG, the owner of British Airways and Iberia, says the weak pound cost it €162m in the third quarter of the year.
3:33 am (13 hours ago)
Google parent Alphabet has reported a 20.2 % rise in quarterly revenue, helped by sales of advertising on mobile devices and YouTube.
4:49 pm (9 minutes ago)
London's benchmark share index recovered from early losses, as shares in British Airways owner IAG jump after its latest results.
Yesterday 10:35 pm (18 hours ago)
Web giant Amazon has reported a lower-than-expected quarterly profit as expenses rose, causing shares to tumble in after-hours trading.
2:32 pm (2 hours ago)
As an employment tribunal makes its decision about the status of Uber drivers, we speak to two who have opposing views of their jobs.
Yesterday 6:33 pm (22 hours ago)
Nissan workers have given their reaction after the car manufacturer announced it would build the new Qashqai and the X-Trail SUV at its Sunderland plant.
12:07 am (17 hours ago)
Macae may be Brazil’s "oil capital", but it has seen 22,000 jobs close down due to the country's oil crisis.
12:12 am (17 hours ago)
A South African businessman is trying to spread the entrepreneurial spirit, through a comic book.
12:13 am (17 hours ago)
No US state exports more to Asia than California, but the proposed Trans-Pacific Partnership sparks mixed feelings.
Yesterday 5:41 pm (23 hours ago)
Nissan has confirmed it will build both the new Qashqai and the X-Trail SUV at its Sunderland plant thanks to government "support and assurances".
12:14 am (17 hours ago)
BBC Click's Lara Lewington looks at some of the best of the week's technology news.
Yesterday, 1:50 pm
Nissan boss Colin Lawther explains why the company will build two models in Sunderland
3:29 pm (an hour ago)
A new crop of female Muslim entrepreneurs is catering to the growing demand for Muslim-focused consumer goods.
12:07 am (17 hours ago)
Can Brazil's "oil capital", Macae, bounce back after the Petrobras scandal?
12:10 am (17 hours ago)
Recent cyber-attacks using botnet armies of hacked "internet of things" devices highlights the pressing need for improved security.
Yesterday, 12:02 am
Thirty years ago in a single day Big Bang deregulated the City of London, creating a financial sector many believe can withstand anything Brexit can throw at it.
9:24 am (8 hours ago)
Does the falling value of the pound mean that the UK economy has fallen behind France?
Yesterday, 12:16 am
Life in a monastery involves devotion to contemplation and prayer, but some religious orders also pledge themselves to producing alcoholic drinks and even products extracted from marijuana.
Yesterday, 10:12 am
A blunt email from Tata's ex-chairman to his former employers has made headlines. But what do you know about what he said?
Yesterday, 12:27 am
Both US presidential candidates have said they are wary of China's impact on the US, but is China stealing America's jobs?
Wednesday, 12:00 am
Heathrow's third runway may have got the go-ahead, but what expansion plans do the UK's other major airports have?
Wednesday, 12:08 am
Lebanon is among the top five cannabis growing countries in the world. One farmer tells the BBC why, for many, there are few alternatives.
Wednesday, 12:12 am
A university for coding without any teachers has opened in California this month.
Tuesday, 12:06 am
These days there's no shortage of things to keep you awake at night, whatever your politics. So what's the best way to handle all that uncertainty?
Tuesday, 12:03 am
The building industry has not been known for digital innovation, but virtual reality design and project management software are changing perceptions.
Monday, 7:45 am
US telecoms giant AT&T plans to buy entertainment group Time Warner - what will that mean for consumers?
Monday, 12:00 am
A profile of Canadian business leader Michael Donovan, who after winning a best documentary Oscar for producing hit film Bowling for Columbine, went on to establish cartoon giant DHX Media.
Monday, 12:09 am
The concept of shopping via a daigou is booming in China, with people employing them in Australia to get their hands on goods such as baby milk formula.
Sunday, October 23rd, 1:04 am
Panorama has gone undercover in Istanbul and found evidence that Syrian refugee children are making clothes for leading British brands.
Saturday, October 22nd, 10:59 pm
Theo Leggett looks at the case for expanding both Heathrow and Gatwick airports
Friday, October 21st, 9:46 pm
Buying a cot is not an easy process, the choices are endless. Add in the dozens of "sleep aids" available and parents can spend a huge amount of money.
Friday, October 21st, 12:49 am
Will human drivers take advantage of driverless cars' safety-first caution and simply ignore them?
Friday, October 21st, 12:46 am
Their flat fees are less than those charged by traditional High Street agents, attracting customers and investors alike, but do online agents offer good value?
Friday, October 21st, 11:37 am
Your stories of being tricked out of money by con artists posing as romantic partners.
Thursday, October 20th, 12:14 am
A growing number of head lice removal firms have set up in recent years as a response to the fact that the insects are increasingly resistant to over-the-counter chemical treatments.
Thursday, October 20th, 12:17 am
Sports psychiatrist Prof Steve Peters is offering his Olympic-winning expertise to firms who want to work more efficiently.
Thursday, October 20th, 10:36 am
Being self-employed is a way of life for almost five million UK workers, with some choosing to work independently, while others are being forced to adopt it.
Wednesday, October 19th, 12:09 am
How can more women break through India's glass ceiling to take on senior and board level roles?
Wednesday, October 19th, 3:25 pm
Elmar Brok, who chairs the European Parliament Foreign Affairs Committee, says the UK will have to negotiate its divorce agreement before its future relationship.
Wednesday, October 19th, 12:04 am
What difference will new welfare measures make to standards on Europe's fur farms?


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


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 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