Don't be stupid!!!

Good morning all, it's been a little while since my last blog but here's a little something for you to think about.

Insurance policies are built on information received from clients and the accuracy of that information is crucial to if you are going to get paid out should you have a claim.

All seems fairly sensible doesn't it!

However there are very few days that go by without a client trying to get around the details that are required or lie to achieve a reduced premium with us here.

e.g. Do you live permanently in your house, "I can do". "I pass it everyday and am working on it". Sorry that would still be unoccupied and the cost is a little higher to reflect that but you will be able to get a full normal household package when you move in. " Just say I live there".

This merry-go-round goes on in all types of Insurance as people try to get round the cost and cover, but they don't seem to understand that the Insurance Policy is not worth having unless it is accurate and Insurers are at liberty to not pay out if they decide so and pursue fraudulent claims.

So, what is the point don't lie , twist or manipulate the system you will get caught out.

Also how many people do there Insurance on line and lie to get better premiums or withhold details, many I suspect but beware Insurers are becoming more and more clever and you will get caught out and that could prove to be very expensive.

Philip Beckett
The Insurance Centre Limited.
01603 400755

The Gardening Broker

Good afternoon all, trust you all had a lovely weekend. After a hectic couple of days myself as I sat in the lounge last night I reflected on one or two crazy things I had done over the past two days without giving it a moments thought.

I am not one of life's great DIY experts or gardeners, I love a tidy house and garden but am not a great exponent of any of these disciplines. However I do give it a go and on most occasions make a good fist of it.

On Saturday and Sunday the garden hedges needed a good tidy this would involve me getting out the electric trimmer and going round the garden cutting and tidying. The hedges and bushes go up to a height of about 12 feet and I would need the ladder my father had kindly given to me along with the use of his trimmer.

As I climbed the ladder, which I had done on several occasions, I thought that this does not seem overly safe, the ladder was not anchored to the ground very well and at the top the hedge didn't represent a good place to put the top of the ladder, which became apparent as I reached the top and the ladder lurched left sending my face into the very prickly bush.

You must remember that as this was happening I was brandishing my electric trimmer cutting away at branches and leaves close to my legs and head.

There are couple of points here, don't take chances doing this work without someone to help and get Insurance in place for any Accident that may occur as you could be off work for many weeks or do yourself permanent injury and how would you or your family cope financially. We have such policies available so call and ask me.

P.S This blog was tricky to type with the loss of 6 fingers - Only a joke not really, but you see what I mean.

Philip Beckett Dip CII Cert PFS
The Insurance Centre Limited.
01603 400755