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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>

5:11 pm (3 hours ago)
A cut in interest rates in China and comments from Europe's Central Bank chief spur US markets on to fresh highs
6:05 pm (an hour ago)
State-backed bank Royal Bank of Scotland (RBS) says a data error means it only just passed a European stress test of its balance sheet.
6:33 pm (an hour ago)
Aviva and Friends Life are in talks about a possible £5.6bn merger deal, the two insurance companies have said.
12:49 pm (7 hours ago)
Government borrowing fell to £7.7bn in October, official figures show, down £0.2bn from a year earlier.
10:03 am (10 hours ago)
American airline Delta replaces its old Boeing planes in a $14bn order for 50 Airbus wide-body jets powered by Rolls Royce engines
12:27 pm (8 hours ago)
James Dyson tells the BBC it's important to keep engineers in Britain to produce hi-tech exports, as he announces a £1bn investment in research and development.
6:07 pm (an hour ago)
HSBC's Swiss-based private banking arm confirms it has been placed under formal investigation in France, days after being accused of tax fraud by Belgium authorities.
12:14 pm (8 hours ago)
Taxpayers will have longer to appeal before HM Revenue and Customs can raid their bank accounts for unpaid taxes, under revised plans released by the Treasury.
12:01 pm (8 hours ago)
Malaysia plans to end petrol and diesel subsidies from December in an attempt to save billions of dollars and reduce its fiscal deficit.
1:14 am (19 hours ago)
The chief executive of renowned auction house Sotheby's, William Ruprecht, is stepping down after 14 years at the helm.
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News of an interest rate cut in China sends shares in mining companies higher, boosting the FTSE 100.
Yesterday 10:27 pm (22 hours ago)
The former chief executive of JJB Sports, Christopher Ronnie, is convicted of accepting more than £1m in backhanders from suppliers.
Yesterday 10:45 pm (21 hours ago)
In a surprise move, the UK government has withdrawn its legal challenge to EU legislation that caps the level of bankers' bonuses.
6:57 am (13 hours ago)
Japan's PM Shinzo Abe dissolves parliament paving the way for a snap election in December, as local media polls show a low level of support.
7:54 am (12 hours ago)
Singapore plans to regulate third-party taxi booking apps such as Uber by capping fees and limiting them to use only licensed vehicles and drivers.
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La Liga giants Valencia are facing a fight to be allowed to use a bat symbol on their crest - from the creators of Batman.
Yesterday, 5:22 pm
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Some Royal Bank of Scotland customers suffer from problems using cards in stores and at cash machines, the day after the bank was fined £56m for its 2012 IT meltdown.
Wednesday, 3:31 pm
The average full-time pay gap between men and women is at its narrowest since comparative records began in 1997, but is still a difference of 9.4%, official figures show.
Yesterday, 11:53 am
Royal Bank of Scotland is fined £56m by regulators after a 2012 software issue left millions of customers unable to access their accounts.
Yesterday, 12:50 pm
UK retail sales rise 0.8% October compared with September, and is 4.3% up on October 2013, according to official figures.
Yesterday, 5:15 am
Activity in some of China's factories and workshops hits a six month low in November, a fresh survey shows.
Wednesday, 8:42 pm
Despite turmoil in emerging markets, the US Federal Reserve reached an easy consensus to end its stimulus programme, latest minutes reveal.
Yesterday, 12:10 am
As more Emirati women enter the private sector, a growing number are going into fashion design, reports Verity Ratcliffe from Dubai.
Tuesday, 8:17 pm
The new government in Afghanistan says it wants to make it easier to do business in the country - but will things change?
Monday, 9:19 pm
A former convict turned entrepreneur is looking to give other ex-offenders in Singapore a new lease on life through his restaurant chain Eighteen Chefs.
Yesterday, 7:41 pm
The head of Fifa's Audit and Compliance Committee is to evaluate reports into alleged World Cup corruption.
Tuesday, 12:47 pm
Ofcom opens an investigation into how the Premier League sells live TV media rights for its football matches following a complaint from Virgin Media.
Tuesday, 1:01 pm
Manchester United sees its revenue fall by 9.9% to £88.7m for the three months to the end of September.
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Ethiopia is experiencing a property and infrastructure boom, as Roderick Macleod reports from Addis Ababa.
1:59 am (18 hours ago)
Myanmar, formerly known as Burma, is attracting increasing amounts of foreign investment but is hoping to win more with a message of cheap and plentiful labour.
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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