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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>

12:39 am (17 hours ago)
Details are revealed of a network which attempted to defraud thousands of customers of the online travel agent Booking.com.
11:44 am (5 hours ago)
Unemployed over-50s will be offered "career reviews" and help using computers as part of plans to get more people in that age group into work.
4:53 pm (16 minutes ago)
UK shoppers are expected to spend a record £1.2bn buying Christmas presents and groceries on what researchers are calling "Panic Saturday".
Yesterday 5:36 pm (24 hours ago)
The chief executive of Renault Nissan says manufacturers in Russia are facing a "bloodbath" because of the plunge in the value of the rouble.
Yesterday, 2:05 pm
Apple has said it is "deeply offended" by a BBC investigation into conditions for workers involved in manufacturing its devices.
Yesterday 8:57 pm (20 hours ago)
Troubled smartphone maker Blackberry reports a larger than expected drop in revenue, as it struggles to convince consumers to buy its phones.
Yesterday 5:48 pm (23 hours ago)
Power generation firms are to receive close to £1bn to ensure their plants stay open and prevent the lights going out in the coming years.
Yesterday, 11:58 am
The company that makes Hellmann's mayonnaise, Unilever, is dropping its planned court case against an American company that makes an eggless variety.
Yesterday, 11:04 am
A bank fine of £1.1bn for manipulating currency markets has helped government borrowing figures in November, official figures show.
Yesterday, 9:16 am
A leading figure in the UK's oil industry, Sir Ian Wood, tells the BBC warnings the industry is close to collapse are overstating the problem.
Yesterday 6:24 pm (23 hours ago)
London's benchmark index closes 1.2% higher on Friday, building on Thursday's sharp rise.
Yesterday, 9:54 am
Payday lender Wonga will refund the fees and interest charged to a customer whose outstanding loan has already been written off.
Yesterday 6:03 pm (23 hours ago)
Belarus's central bank moves to protect its currency by imposing a new tax, as it feels the knock-on effects of the fall in the Russian rouble.
Yesterday, 1:34 pm
Nigeria's central bank brings in further measures to support its currency, the naira, which fell to record lows this week.
Yesterday, 8:59 am
Hong Kong property tycoon Thomas Kwok and a former government official have been found guilty in the city's biggest-ever corruption case.
Yesterday 5:54 pm (23 hours ago)
Special coins issued by Zimbabwe's central bank go into circulation in the run-up to Christmas, to help shoppers who usually get change in sweets.
Yesterday, 12:04 am
Lord Sugar's adviser on The Apprentice Nick Hewer announces he is to leave the BBC One show after a decade.
Yesterday, 7:40 am
Substantial numbers of disabled people are missing out on government support to help them into work, a group of MPs say.
Yesterday, 11:10 am
About 6% of domestic energy customers were in debt to their supplier in 2013, figures show, but energy firms still owe money to customers too.
Thursday, 11:05 am
UK retail sales rose at their fastest annual rate in more than 10 years in November, thanks to the effects of Black Friday.
Yesterday, 6:26 am
China revises up the size of its economy in 2013 by 3.4%, which works out to about the size of Malaysia's economic output.
Thursday, 12:32 pm
President Vladimir Putin seeks to ease fears over Russia's economy, insisting that the dramatic fall in the rouble will stabilise.
Thursday, 7:41 am
US Federal Reserve says it will be "patient" in deciding when to raise interest rates, with most analysts expecting a rise in mid-2015.
Monday, 12:02 am
How Paul Lindley, the boss of Ella's Kitchen, built up the UK's largest baby food business.
Tuesday, 1:41 am
Malawian business tycoon Mike Mlombwa tells the BBC how to deal with red tape and stay on the right side of the law when doing business.
Thursday, December 11th, 12:10 am
A growing number of small firms are boosting sales thanks to securing celebrity endorsements, but doing a deal with a famous figure doesn't necessarily guarantee success.
Yesterday 7:05 pm (22 hours ago)
Hereford United is wound up by the High Court over money owed to HM Revenue and Customs.
Wednesday, 7:57 am
The SPFL is to withhold £250,000 due to Rangers for broadcast fees to cover a fine relating to employee benefit trusts.
Tuesday, 1:28 pm
Fifa dismisses a complaint from its own World Cup corruption investigator Michael Garcia as well as two whistleblowers.
Yesterday, 1:32 pm
Speaking from his shop and studio in Paris, Indian fashion designer Manish Arora talks about his success.
Yesterday, 2:52 pm
Labour law reforms giving small firms more freedom to hire and fire have prompted protests among union members in India.
Yesterday, 1:27 pm
While much of the profits made from wildlife tourism in Botswana go to foreign-owned tourist operators, the biggest concern for some locals is poachers.
Yesterday, 2:07 pm
For 2014, there is evidence to suggest more people than ever have shopped online, especially in rural areas where 9 out of 10 people shop online.
Thursday, 11:20 pm
Myanmar, also known as Burma, is trying out fast track power generation, putting gas generators into re-used shipping containers.
Yesterday, 3:52 am
Kochi in India is hosting its second art biennale despite criticism the city can't afford to lavish so much money on the arts.
Yesterday, 12:00 am
Why are people flocking to Hungary in order to try and escape from locked rooms?
Thursday, 7:02 pm
A BBC investigation for Panorama has exposed poor working conditions in factories making Apple products in China.
Yesterday, 12:01 am
The escape games taking Hungary by storm
1:45 am (15 hours ago)
A sneak peek at how Crossrail is taking shape below London
2:47 am (14 hours ago)
On the seasonal lookout for counterfeit goods
Yesterday, 12:10 am
How worried should we be?
Yesterday, 1:17 am
How Venezuelans are affected by falling oil prices
Thursday, 7:03 pm
The knock-on effects of Russia's economic troubles
Thursday, 8:04 pm
The latest trend driving Asian spending sprees
Thursday, 11:24 pm
The mobile generators boosting Myanmar's electricity supply
Thursday, 12:33 am
Those spending the day at work rather than celebrating
Thursday, 12:55 am
Osborne’s payment plan makes little difference, says Anthony Reuben

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