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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>

Yesterday 7:27 pm (10 hours ago)
The US Treasury criticises 'unfair' tax rulings by the European Commission, following a demand that Apple hands over €13bn in unpaid tax.
4:58 am (15 minutes ago)
"Urgent action" is needed to give new and expectant mothers more protection at work after a "shocking" increase in discrimination, MPs have said.
2:54 am (2 hours ago)
Google plans to expand a ride-sharing service in San Francisco, setting up a potential showdown with market leaders Uber and Lyft.
Yesterday 4:45 pm (12 hours ago)
The TTIP trade deal is dealt another blow as French President Francois Hollande casts doubt on when an agreement will be reached.
4:04 am (an hour ago)
South Korea's biggest shipping group Hanjin is set to enter receivership after its creditors refused to provide further funding to the indebted firm.
Yesterday 1:10 pm (16 hours ago)
Luxembourg-based SES says it is going to be the first satellite operator to launch a spacecraft on a "second-hand" rocket - a Falcon 9 that previously sent supplies to the space station.
Yesterday 11:40 am (18 hours ago)
The number of mortgages being approved by banks and building societies is at its lowest for a year and a half, according to Bank of England figures.
Yesterday 7:14 pm (10 hours ago)
Twitter will start sharing advertising revenue generated by videos made by individual users with their creators.
Yesterday 8:02 pm (9 hours ago)
New guidelines are published setting out how the EU's net neutrality rules should be applied.
Yesterday 5:54 pm (11 hours ago)
French Economy Minister Emmanuel Macron resigns from the government ahead of an expected centrist bid for the presidency in next year's election.
Yesterday, 12:00 am
More than a third of 18 to 24-year-olds have debts of almost £3,000 and experience significant concerns about their finances, a survey finds.
Yesterday 4:42 pm (13 hours ago)
US consumer confidence reached its highest point in nearly a year in August as economic conditions continue to improve.
Yesterday 12:06 pm (17 hours ago)
Mitsubishi Motors is told to stop selling eight more models after they are found to overstate fuel efficiency.
Yesterday 9:59 am (19 hours ago)
The deadly collapse of a dam at the Samarco mine in Brazil was due to design and drainage flaws, according to a report by joint owners BHP Billiton and Vale.
Yesterday 4:59 pm (12 hours ago)
London's leading shares dip in Tuesday afternoon trading to close in negative territory, with mining stocks leading the downward trend.
Yesterday 3:53 pm (13 hours ago)
The deal to sell UK technology firm ARM Holdings to Japan's Softbank for £24.3bn is an example of the UK "selling out of our winners", says Lord Myners.
Yesterday 9:20 am (20 hours ago)
Japan's unemployment rate has fallen to its lowest for 21 years, despite the country's stagnant economy.
Yesterday 6:51 am (22 hours ago)
Cadbury's owner Mondelez International is abandoning its takeover bid for American confectioner Hershey after its $23bn (£18bn) offer was rejected.
Yesterday, 12:00 am
A record number of investments were made by foreign firms in the UK in the year to April 2016, according to a report from the Department for International Trade.
Yesterday 1:19 pm (16 hours ago)
A New Zealand judge allows internet entrepreneur Kim Dotcom to livestream his appeal against extradition to the US on YouTube.
1:02 am (4 hours ago)
A good monsoon season across India is crucial to the economy and there are hopes rural farmers will see their incomes lifted this year.
Yesterday 1:54 pm (15 hours ago)
Margrethe Vestager, the European Commissioner for Competition, says it is 'only fair' that there should be a 'level playing field' where all companies pay their tax.
Yesterday 9:22 am (20 hours ago)
Nobel Prize winner Joseph Stiglitz praises the EU on Apple's tax bill
Yesterday, 2:52 am
Shenzhen is famous for making electronics, but it's also become a popular spot for start-ups from all over the world.
Monday, 1:50 am
Indian lesbian romance film 'The Other Love Story' takes on a taboo topic and turns to the internet for funding.
Monday, 12:00 am
Lavanya Nalli tells the story of her family's sari business in Chennai - and her ambitions for its expansion.
Sunday, August 28th, 8:09 am
The last BHS stores are set to close for the final time after 88 years on the high Street. Joe Lynam reports.
Sunday, August 28th, 6:01 am
Nathan Blecharczyk, one of the co-founders of Airbnb, offers the business advice he wishes he had been given when he started out.
Yesterday 2:07 pm (15 hours ago)
A new record has been set for the world's fastest 4G mobile internet speed, according to a network operator.
Monday, 11:31 am
Chinese audiences are complaining that a 3D version of the latest Bourne movie is causing headaches and nausea.
12:00 am (5 hours ago)
Human rights researchers warn of a "devastating" lack of information for families of migrants who might have drowned in the Mediterranean.
12:00 am (5 hours ago)
A "smart energy" revolution could help ensure that the UK does not suffer blackouts, according to National Grid's new UK chief.
Yesterday 6:16 pm (11 hours ago)
Has the Bank of Mum and Dad run dry? Then maybe it's time to ask someone else's parents to help you buy a home.
Yesterday, 12:00 am
After a year of asking CEOs to reveal their advice for success, BBC News looks at the role of gender in business mentoring.
Yesterday, 12:00 am
The latest assistive technologies are enabling people with disabilities to be more active and compete at the highest level.
Monday, 1:07 pm
Germany's economy minister claims that talks about the TTIP trade deal have failed highlight the uphill battle that negotiators are facing.
Monday, 12:00 am
How Indian entrepreneur Lavanya Nalli is leading the modernisation of her family's 88-year-old clothing company, while still holding on to its decades of tradition.
Sunday, August 28th, 8:17 pm
Empty rails and closing signs as a stalwart of the British High Street says its final farewell.
Friday, August 26th, 9:52 pm
As designer handbags receive record prices at auction, women are increasingly taking them to pawn shops to borrow money against them.
Friday, August 26th, 12:09 am
As the last BHS stores close this weekend, bringing to an end nearly 90 years of retail history, Emma Simpson looks at what the closures will mean for our High Streets.
Friday, August 26th, 12:12 am
As the number of people living in cities rise, lower income residents are being pushed farther out to areas with fewer resources.
Friday, August 26th, 12:23 am
As chat apps achieve colossal valuations and more keep coming onto the market, are we reaching chat saturation point?
Friday, August 26th, 2:28 am
Twenty years ago, the US overhauled its cash welfare system - the portion of US assistance that is offered to poor families as a direct payment. But how does this system compare to other high-income countries?
Thursday, August 25th, 12:16 am
A look at the growing number of businesses who are trying to make a positive difference to society by speaking out on societal or political issues, and their reasons for doing so.
Thursday, August 25th, 12:07 am
Successful bosses often boast of how little they sleep, but is sleeping more better for your career?
Wednesday, August 24th, 3:02 pm
Jeremy Corbyn has brought the issue of overcrowded trains into the spotlight again, but why are our trains so busy and just how bad is the problem?
Wednesday, August 24th, 12:03 am
The sporting goods giants of Nike and Adidas are both looking to sell their golf club businesses. The BBC looks at what some of the reasons may be.

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