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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>

Friday, 3:57 pm
UK economic activity in July fell at its fastest rate since the aftermath of the financial crisis in 2009, data compiled from business questionnaires shows.
Yesterday, 1:30 am
The most-affordable - and the least-accessible - places for first-time buyers are revealed by the UK's largest mortgage lender, the Halifax.
Friday, 10:06 pm
Young families are leaving themselves in a financially fragile state, academics say, amid reports that people are losing the savings habit.
Friday, 2:16 pm
The head of the International Monetary Fund, Christine Lagarde, is to stand trial over €404m payout to French tycoon Bernard Tapie, an appeals court confirms.
Friday, 4:06 pm
Retailer Sports Direct is accused in a report by MPs of failing to treat its workers like human beings.
Friday, 2:54 pm
Chancellor Philip Hammond says he may 'reset' Britain's fiscal policy in the Autumn Statement if post-Brexit data indicates it is necessary.
Friday, 12:00 am
The use of internet banking on a computer has fallen for the first time, as users switch to mobile apps, according to the banking industry.
Friday, 2:15 am
French energy giant EDF is expected to make its long-awaited investment decision on a new nuclear power plant at Hinkley Point in Somerset next week.
Thursday, 7:41 pm
Mastercard offers up to £869m to buy Vocalink, the company that pays wages and operates the UK's ATMs.
Thursday, 10:26 pm
Embattled CEO of Fox News Roger Ailes resigns after a number of female employees accused him of sexual harassment.
Friday, 7:09 am
North Korea's economy shrinks at its sharpest pace in eight years after a fall global commodity prices, according to South Korea's central bank.
Thursday, 9:14 pm
General Motors announced it would cut costs in Europe even as the US carmaker announced a second quarter profit that doubled a post-bankruptcy record.
Thursday, 10:57 pm
E-commerce giant Amazon has entered the student loan business, teaming up with US bank Wells Fargo to offer lower interest rates to subscribers of its "Prime Student" services.
Thursday, 3:54 pm
Wolves confirm a takeover by Chinese investors Fosun International, who are thought to have paid £45m for the Championship club.
Friday, 11:50 am
Sports Direct founder Mike Ashley must been aware of ‘disgraceful’ conditions, say MPs
Friday, 5:01 pm
As the search for the missing Malaysia Airlines MH370 is close to being suspended, the BBC talks to the sister of Zaharie Shah, the plane's chief pilot.
Friday, 11:50 am
Currently under construction, the MeerKAT telescope in South Africa is establishing its role in scientific research.
Friday, 11:10 am
The export-focused shoemaker weathering Zimbabwe's economic crisis.
Friday, 2:42 pm
Manufacturing is a key catalyst for economic growth in many African countries but Kenya is lagging behind.
Friday, 4:19 pm
There has been a dramatic increase in the number of people using mobile phone apps to do their banking.
Friday, 12:26 am
Preeti Kumari is one of India's very few female train drivers, and says she always dreamt of doing "something different and challenging".
Thursday, 3:08 am
The city state has launched a drive to encourage local Singaporeans to train as chefs and service staff, as it tries to plug the gap caused by curbs on foreign labour.
Friday, 9:43 am
Nintendo's Pokemon Go is now available for players in Japan, the birthplace of the little monsters, says game developer Niantic Labs.
Thursday, 3:06 pm
The last videocassette recorder (VCR) in Japan is to be produced by the end of the month, according to the Nikkei newspaper.
Friday, 10:08 pm
What will Brexit mean for small towns in Poland that have seen their populations shrink as people left to live and work elsewhere in the EU?
Friday, 3:02 pm
The sister of missing Malaysia Airlines captain Zaharie Shah tells the BBC about her brother's disappearance, and why the story of MH370 must live on.
Friday, 12:09 am
As publishers struggle to attract eyeballs in the face of increasing competition from online content, can artificial intelligence help them?
Thursday, 12:23 am
A look at the booming private security industry in the Central American country of Guatemala, where an average of 13 murders are committed every day.
Thursday, 12:10 am
Three years have passed since Yahoo bought micro-blogging site Tumblr, but it is not the goldmine it once hoped.
Wednesday, 1:24 pm
A lower cost base and partnerships with western universities is helping South Africa to develop online courses for students around the world.
Tuesday, 1:31 am
Could F1 and aeronautical tech help Sir Ben Ainslie's 'flying' catamaran win the America's Cup?
Tuesday, 12:10 am
Australia has been described as "the lucky country", but is it entrepreneurial spirit or abundant resources that has driven its success?
Tuesday, 12:05 am
Google has made headlines for its forays into healthcare but what is its ultimate goal?
Tuesday, 3:41 am
The former Chancellor George Osborne peppered media interviews with references to the "Northern Powerhouse" but what's next for the project since his departure?
Friday, July 15th, 12:02 am
Technology that makes audiences feel like they are in the movie, rather than just watching it, is helping cinemas sell more tickets at higher prices.
Monday, 4:24 pm
ARM's technology is at the heart of millions of smartphones and tablets - but the company's inventions are used wider still.
Sunday, July 17th, 10:22 pm
A profile of Asian businessman Chatri Sityodtong who made his fortune on Wall Street before setting up fast-growing televised martial arts tournament., One Championship.
Friday, July 15th, 10:19 pm
Food, clothing and electrical items are likely to rise in price as a result of Brexit - but bills may not go up until next year
Thursday, July 14th, 4:28 pm
It's early days for Pokemon Go, but some believe the app marks a turning point in mobile video games.

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.

Backhouse meet with me once a month to review our insurances. As part of this process they have produced a comprehensive, easy to understand schedule of all our cover which they update prior to each meeting. In my 30 years of dealing with Insurance Brokers this has never been done so efficiently, or consistently, as it has by Backhouse. They are the best brokers I have ever come across!

Graham Pilkington, Director. Cavitech Solutions