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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 8:37 pm (6 hours ago)
US media giant 21st Century Fox has made a takeover approach for Sky, the UK-based satellite broadcaster.
Yesterday 9:26 pm (6 hours ago)
Six million people with defined benefit pensions see transfer values shoot up in the last year, according to a big insurance company.
Yesterday 1:28 pm (13 hours ago)
A total of £1.7bn in benefits was not paid to those entitled to the money in 2015-16 owing to fraud and error.
Yesterday 3:02 pm (12 hours ago)
Shares in Italy's Monte dei Paschi di Siena bank fall sharply following reports that it will not get more time to raise cash.
Yesterday 12:17 pm (15 hours ago)
The UK faces higher food prices without continued access to EU workers, 30 trade associations have warned.
Yesterday 4:05 pm (11 hours ago)
A new high-speed Intercity train developed at a County Durham factory rolls off the production line.
Yesterday 10:57 am (16 hours ago)
The UK trade deficit in goods and services narrowed to £2bn in October as exports rose, official figures show.
Yesterday 8:54 am (18 hours ago)
Irish fruit distributor Fyffes says it has agreed to be bought by Japan's Sumitomo Corporation.
Yesterday 5:08 pm (10 hours ago)
The FTSE 100 sees its fifth consecutive day of gains, with Sky shares staging a late surge.
Yesterday 10:55 am (16 hours ago)
Tougher rules are needed to protect investors in crowdfunding platforms, the Financial Conduct Authority says.
Yesterday 1:53 pm (13 hours ago)
The government has awarded its first back-up power agreements to battery storage plants.
Yesterday 11:57 am (15 hours ago)
The money generated by councils in England from parking operations has risen by 9% in a year, research finds.
Yesterday 5:44 am (21 hours ago)
Controversial courtside ads for William Hill will not be featured at next month's tennis tournament.
Yesterday, 2:51 am
Australia approves the sale of its largest private landholding, the Kidman estate, to Gina Rinehart.
Yesterday 12:10 pm (15 hours ago)
As Kenya prepares to export oil, the promise of petrodollars has generated high expectations.
Thursday, 11:44 pm
Singapore prepares to shut down its 2G mobile phone network leaving thousands looking for a new service.
Yesterday 9:28 pm (5 hours ago)
Cameroon's "protected" Penja pepper has helped to transform the region, economically.
Yesterday, 12:12 am
BBC Click's Nick Kwek looks at some of the best of the week's technology news
Thursday, 6:36 pm
Artist Graham Short's tiny engravings of Jane Austen on four £5 notes could make anyone who finds one £20,000.
Thursday, 2:57 am
On the island of Singapore, young urbanites are being shown how to grow their own tropical-friendly, edible gardens.
Wednesday, 7:46 pm
June is disabled and was unable to find a job for three years.
Tuesday, 9:59 am
Augmented reality app Blippar can now recognise the faces of 70,000 public figures.
Thursday, 7:55 am
China's supreme court rules in favour of basketball legend Michael Jordan in a long-running trademark dispute.
Wednesday, 1:09 pm
Four special £5 notes, engraved with a tiny portrait of Jane Austen, are put into circulation.
Yesterday 9:30 pm (5 hours ago)
Digital is shaking up the sport viewing picture, as fans find new ways to watch their favourite teams in a landscape increasingly dominated by pay-TV.
Yesterday, 12:02 am
Since the recession more people have reported feeling stressed at work, and that can lead to mental health problems. How do you support the workforce by breaking the taboo around mental illness?
Yesterday, 12:04 am
Online ads can be irritating and irrelevant, so can technology help them become more targeted?
Thursday, 12:25 am
Most of us have to deal with a disruptive colleague during our working lives, but how can a company best deal with such "toxic employees"?
Wednesday, 12:03 pm
Iceland has become a model country for gender equality but women there say more needs to be done.
Wednesday, 12:02 am
Christmas party season is upon us again, but what do employers and staff really get out of these events?
Wednesday, 12:02 am
Why do Asian countries do so well in global education rankings? The OECD's education director says it reflects a belief that all pupils can succeed.
Tuesday, 4:27 pm
Len McCluskey is general secretary of Unite, the UK's biggest union. We chart his political roots and his support for Jeremy Corbyn's leadership of the Labour Party.
Monday, 11:00 pm
Why do so many artificially intelligent chatbots have female names and avatars?
Tuesday, 9:50 pm
We want you to show us your interpretation of the business stories that have affected you this year.
Tuesday, 9:35 am
Two stories in the past week have reported contradictory conclusions about the cost of Christmas dinner.
Monday, 11:58 am
Italy's struggling banks now face added uncertainty after Prime Minister Matteo Renzi's heavy referendum defeat.
Monday, 12:03 am
How Chris Gardner went from sleeping rough with his young son on the floor of a public toilet to the life of a multi-millionaire investor.
Monday, 11:09 am
Were the official GDP forecasts from the Office for Budget Responsibility too gloomy?
Sunday, December 4th, 12:49 am
The boss of Barclaycard says the plastic credit card is being replaced with new technology, so soon we will need nothing to make a payment.
Saturday, December 3rd, 12:40 am
What role do postcards and letters play in this digital age? Some businesses think there is a gap in the market.
Friday, December 2nd, 12:23 am
As global student loan debt reaches crisis levels, can tech start-ups help cut costs?
Thursday, December 1st, 12:24 am
As the year draws to a close, many people will review the state of their wealth. So, is your bank balance now a spectacular display or did your finances fizzle?

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