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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>

12:52 pm (10 hours ago)
The cost of cleaning up the Sellafield nuclear site in Cumbria has increased by £5bn to £53bn, says the National Audit Office.
7:52 pm (3 hours ago)
Russian oligarch Mikhail Fridman has seven days to convince the UK government not to force him to sell newly acquired oil and gas assets in the North Sea.
6:12 pm (4 hours ago)
EU governments defy the European Parliament by deciding that roaming charges for mobile phone users should remain at least until the end of 2018.
12:54 pm (10 hours ago)
Reports of fake law firms have increased by 125% in the last two years, according to figures from the Solicitors Regulation Authority.
10:55 am (12 hours ago)
The UK has won a court ruling against the European Central Bank which could have forced British firms handling large euro transactions to be based in the eurozone.
9:50 am (13 hours ago)
UK bank Standard Chartered reports a steep fall in full-year profits after a "tough year" and foregoes bonuses for its directors.
2:15 pm (8 hours ago)
The UK government says it is selling its 40% stake in the cross-Channel train operator Eurostar to an Anglo-Canadian consortium for £757.1m.
11:59 am (11 hours ago)
Energy supplier Scottish Power accepts a 12-day sales ban after failing to meet Ofgem's customer service targets, the watchdog says.
2:17 pm (8 hours ago)
The UK and other EU nations could face action from the European Banking Authority if new rules on bonuses are introduced by the end of the year.
1:05 pm (10 hours ago)
Average household incomes are back to where they were before the financial crisis, according to research by the Institute for Fiscal Studies (IFS).
12:35 pm (10 hours ago)
Eurozone retail sales rose for a fourth consecutive month in January, official figures show, indicating the zone's economy may be picking up.
3:56 pm (7 hours ago)
The planned Hinkley C Nuclear power station in Somerset faces a new legal challenge, this time from Greenpeace Energy.
5:07 am (18 hours ago)
The Reserve Bank of India cuts its key interest rate, in a surprise move for the second time this year.
8:40 am (14 hours ago)
Commercial broadcaster ITV, home of Downton Abbey, reports a big rise in pre-tax profits for 2014.
1:45 am (21 hours ago)
US retail giant Target plans to cut several thousand jobs as it tries to slash $2bn (£1.3bn) in costs over the next two years.
4:53 pm (6 hours ago)
Sterling pulls back from a near seven-year euro high after a survey indicates that growth in the UK's service sector slowed last month.
2:40 pm (8 hours ago)
The Jockey Club says it will increase its contribution towards prize money at its 15 racecourses to a record £19.9m in 2015
Yesterday, 5:11 pm
The Bank of Canada announces that tribute pictures of Leonard Nimoy's Spock on bank notes is not against the law.
Monday, 10:07 pm
For the second year running, Singapore tops the list as the world's most expensive city to live in, says the Economist Intelligence Unit.
12:03 am (23 hours ago)
Workers will display a "measured response" to pension reforms while worrying they have not set aside enough for retirement, a survey suggests.
Yesterday, 1:02 pm
The bill for the mis-selling of payment protection insurance (PPI) by the five biggest banks in the UK has now reached a total of £24.4bn.
Monday, 3:12 pm
UK house prices dropped in February for the first time in five months, according to Nationwide.
1:24 am (21 hours ago)
Australia's economy grew 2.5% in the fourth quarter from a year earlier, marking its slowest pace of annual growth last year.
Yesterday, 7:08 pm
Ukraine's central bank sharply raises interest rates from 19.5% to 30% in an effort to curb inflation and prop up its beleaguered currency.
Yesterday, 12:34 pm
The Bank of England has flagged 50 instances of potential market abuse following a shake up of how it operates.
Monday, 12:07 am
How Argentine investor, property developer and art collector, Eduardo Costantini, built up his business and made a fortune.
Thursday, February 26th, 12:08 am
Polo is one of the most popular sports in Argentina, yet unlike football or rugby most of the businesses that keep the game going are small homegrown companies.
Wednesday, February 25th, 12:05 am
Becoming your own boss is many people's dream, but what's it really like to start a business from scratch?
7:32 pm (3 hours ago)
Shares in Rangers International Football Club plc are suspended by the AIM market, the Stock Exchange is told.
11:25 am (11 hours ago)
The South African city of Durban is all set to host the 2022 Commonwealth Games - and it is already aiming for the Olympics.
Monday, 6:06 pm
Liverpool Football Club reports a profit for the first time in seven years, mainly as a result of rising media revenue from the Premier League.
8:22 pm (2 hours ago)
Average household incomes are back to where they were before the financial crisis, according to research by the Institute for Fiscal Studies (IFS).
12:13 am (22 hours ago)
Who would buy a car like this? The BBC interviews the man behind the million dollar Dartz Prombron.
Yesterday, 5:51 pm
An "environmentally friendly" supercar has been unveiled at Geneva's International Motor Show.
8:09 am (15 hours ago)
The BBC's Rupert Wingfield-Hayes reports from the steel works in Mariupol in south-eastern Ukraine, where the owner of the steelworks is supporting the Ukrainian government.
Yesterday, 3:50 pm
Torsten Muller-Otvos, chief executive of Rolls-Royce Motor Cars talks about the the sharp drop in growth in emerging markets.
Friday, February 27th, 4:30 pm
Architect Neil Van Der Veen chooses three significant buildings in the UAE and gives his view on what the future holds for architecture in the region.
Monday, 8:39 pm
Mariko Oi reports from Japan on the country's quest to rediscover its innovative spirit with "game-changing" products.
Monday, 3:00 am
Samsung unveils a new flagship smartphone, with a screen that curves at both sides, at the Mobile World Congress in Barcelona.
12:13 am (22 hours ago)
When an ordinary car just isn't good enough
12:12 am (22 hours ago)
Carmakers face a challenge from Google and Apple
1:23 am (21 hours ago)
Why are petrol prices rising again?
12:14 am (22 hours ago)
University feeds 270,000 taking refuge from Boko Haram
Yesterday, 12:00 am
Is the era of free electricity approaching?
Monday, 8:00 pm
What has happened to Japan's inventors?
Yesterday, 12:04 am
Should Sony stop making smartphones?
Yesterday, 12:00 am
How computers are taking over the finance world

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