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  1. <?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-20693367584296190</id><updated>2023-11-16T04:46:11.014-08:00</updated><title type='text'>Simpson &amp;amp; Parsons Insurance</title><subtitle type='html'>Hints, tips and guidance on the best way of buying the insurance that&#39;s right for you AND how best to use it when you need to claim!</subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default?alt=atom'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>10</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-298322924873412542</id><published>2015-09-17T03:35:00.000-07:00</published><updated>2015-09-17T06:22:34.609-07:00</updated><title type='text'>Insurance Premium Tax Increase</title><content type='html'>&lt;div class=&quot;MsoNormal&quot;&gt;
  2. &lt;b&gt;&lt;u&gt;1 November 2015&lt;/u&gt;&lt;/b&gt; is an important date to note in
  3. the diary for any current or would-be purchaser of insurance as the rate of
  4. Insurance Premium Tax (IPT) increases to 9.5% for any policies incepted or
  5. renewed on or after that date.&lt;/div&gt;
  6. &lt;div class=&quot;MsoNormal&quot;&gt;
  7. &lt;br /&gt;&lt;/div&gt;
  8. &lt;div class=&quot;MsoNormal&quot;&gt;
  9. Before you sharpen your pitchfork, light a torch and summon
  10. a mob to protest outside the offices of your friendly, neighbourhood Insurance
  11. Broker, we would politely ask you to remember that between &lt;a href=&quot;http://www.theguardian.com/politics/2013/jun/27/george-osborne-burger-tweet&quot;&gt;Byron
  12. Burgers&lt;/a&gt;, it was Mr Osborne’s decision to impose the 3.5% increase which was
  13. announced in the &lt;a href=&quot;http://www.theguardian.com/uk-news/2015/jul/08/2015-budget-roundup-what-effects-will-the-announcements-have&quot;&gt;Summer
  14. budget&lt;/a&gt;. We remain a little surprised that there was not more noise made regarding the increase,
  15. but with our cynical heads on: they call it a “stealth tax” for a reason.&lt;/div&gt;
  16. &lt;div class=&quot;MsoNormal&quot;&gt;
  17. &lt;br /&gt;&lt;/div&gt;
  18. &lt;div class=&quot;MsoNormal&quot;&gt;
  19. Whilst the existing rate of 20% IPT applicable to Travel
  20. Insurance remains unaltered, the new rate of IPT will impact upon any Car, Home
  21. or Business Insurance policies you have in place.&lt;/div&gt;
  22. &lt;div class=&quot;MsoNormal&quot;&gt;
  23. &lt;br /&gt;&lt;/div&gt;
  24. &lt;div class=&quot;MsoNormal&quot;&gt;
  25. Looking for a sliver of a silver lining? 9.5% is
  26. still under half of the 20% IPT paid on all policies by our European chums.&lt;/div&gt;
  27. &lt;div class=&quot;MsoNormal&quot;&gt;
  28. &lt;br /&gt;&lt;/div&gt;
  29. &lt;div class=&quot;MsoNormal&quot;&gt;
  30. &lt;b&gt;What does this mean to you if you have already
  31. taken out an annual policy this year?&lt;/b&gt;&lt;/div&gt;
  32. &lt;div class=&quot;MsoNormal&quot;&gt;
  33. &lt;br /&gt;&lt;/div&gt;
  34. &lt;div class=&quot;MsoNormal&quot;&gt;
  35. We have pulled together the information provided to us by a
  36. number of insurers and the rate split below appears to be the most common
  37. approach, however this may vary depending upon insurer, so if you are in any
  38. doubt, please consult your provider. &amp;nbsp;&lt;/div&gt;
  39. &lt;div class=&quot;MsoNormal&quot;&gt;
  40. &lt;br /&gt;&lt;/div&gt;
  41. &lt;div class=&quot;MsoNormal&quot;&gt;
  42. &lt;b&gt;&lt;u&gt;Policy Period
  43. begins &lt;i&gt;prior&lt;/i&gt; to 1&lt;span style=&quot;font-size: 13.3333px;&quot;&gt;&amp;nbsp;&lt;/span&gt;November 2015&lt;/u&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  44. &lt;div class=&quot;MsoNormal&quot;&gt;
  45. &lt;br /&gt;&lt;/div&gt;
  46. &lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoTableGrid&quot; style=&quot;border-collapse: collapse; border: none; margin-left: 17.1pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 480;&quot;&gt;
  47. &lt;tbody&gt;
  48. &lt;tr&gt;
  49.  &lt;td style=&quot;border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  50. &lt;b&gt;Transaction&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  51. &lt;/td&gt;
  52.  &lt;td style=&quot;border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; valign=&quot;top&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  53. &lt;b&gt;IPT Rate&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  54. &lt;/td&gt;
  55. &lt;/tr&gt;
  56. &lt;tr&gt;
  57.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  58. New policy commencing prior to 1&amp;nbsp;November
  59.  2015&lt;/div&gt;
  60. &lt;/td&gt;
  61.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  62. 6%&lt;/div&gt;
  63. &lt;/td&gt;
  64. &lt;/tr&gt;
  65. &lt;tr&gt;
  66.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  67. Renewal commencing prior to 1 November 2015&lt;/div&gt;
  68. &lt;/td&gt;
  69.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  70. 6%&lt;/div&gt;
  71. &lt;/td&gt;
  72. &lt;/tr&gt;
  73. &lt;tr&gt;
  74.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  75. Mid Term Adjustment (MTA) generating additional premium
  76.  and effective prior to 1 March 2016&lt;/div&gt;
  77. &lt;/td&gt;
  78.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  79. 6%&lt;/div&gt;
  80. &lt;/td&gt;
  81. &lt;/tr&gt;
  82. &lt;tr&gt;
  83.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  84. MTA generating additional premium and effective on or
  85.  after 1 March 2016&lt;/div&gt;
  86. &lt;/td&gt;
  87.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  88. 9.5%&lt;/div&gt;
  89. &lt;/td&gt;
  90. &lt;/tr&gt;
  91. &lt;tr&gt;
  92.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  93. MTA or Cancellation generating a return premium at any
  94.  point on a policy effective prior to 1 November 2015 (regardless of whether
  95.  there have already been MTAs attracting additional premium and IPT at 9.5%)&lt;/div&gt;
  96. &lt;/td&gt;
  97.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  98. 6%&lt;/div&gt;
  99. &lt;/td&gt;
  100. &lt;/tr&gt;
  101. &lt;/tbody&gt;&lt;/table&gt;
  102. &lt;div class=&quot;MsoNormal&quot;&gt;
  103. &lt;br /&gt;&lt;/div&gt;
  104. &lt;div class=&quot;MsoNormal&quot;&gt;
  105. &lt;b&gt;&lt;u&gt;Policy period
  106. begins &lt;i&gt;after&lt;/i&gt; 1 November 2015&lt;o:p&gt;&lt;/o:p&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  107. &lt;div class=&quot;MsoNormal&quot;&gt;
  108. &lt;br /&gt;&lt;/div&gt;
  109. &lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoTableGrid&quot; style=&quot;border-collapse: collapse; border: none; margin-left: 17.1pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 480;&quot;&gt;
  110. &lt;tbody&gt;
  111. &lt;tr&gt;
  112.  &lt;td style=&quot;border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  113. &lt;b&gt;Transaction&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  114. &lt;/td&gt;
  115.  &lt;td style=&quot;border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; valign=&quot;top&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  116. &lt;b&gt;IPT Rate&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  117. &lt;/td&gt;
  118. &lt;/tr&gt;
  119. &lt;tr&gt;
  120.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  121. New policy commencing on or after 1 November&lt;/div&gt;
  122. &lt;/td&gt;
  123.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  124. 9.5%&lt;/div&gt;
  125. &lt;/td&gt;
  126. &lt;/tr&gt;
  127. &lt;tr&gt;
  128.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  129. Renewal commencing on or after 1 November&lt;/div&gt;
  130. &lt;/td&gt;
  131.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  132. 9.5%&lt;/div&gt;
  133. &lt;/td&gt;
  134. &lt;/tr&gt;
  135. &lt;tr&gt;
  136.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  137. MTA generating additional premium and effective on or
  138.  after 1 November 2015 (regardless of the policy effective date)&lt;/div&gt;
  139. &lt;/td&gt;
  140.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  141. 9.5%&lt;/div&gt;
  142. &lt;/td&gt;
  143. &lt;/tr&gt;
  144. &lt;tr&gt;
  145.  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 440.7pt;&quot; valign=&quot;top&quot; width=&quot;588&quot;&gt;&lt;div class=&quot;MsoNormal&quot;&gt;
  146. MTA or Cancellation generating a return premium at any
  147.  point on a policy effective on or after 1 November 2015&lt;/div&gt;
  148. &lt;/td&gt;
  149.  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 68.9pt;&quot; width=&quot;92&quot;&gt;&lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
  150. 9.5%&lt;/div&gt;
  151. &lt;/td&gt;
  152. &lt;/tr&gt;
  153. &lt;/tbody&gt;&lt;/table&gt;
  154. &lt;div class=&quot;MsoNormal&quot;&gt;
  155. &lt;br /&gt;&lt;/div&gt;
  156. &lt;div class=&quot;MsoNormal&quot;&gt;
  157. &lt;o:p&gt;Simpson &amp;amp; Parsons Insurance Consultants Ltd are a family-owned independent insurance broker based in Windermere and are regulated by the Financial Conduct Authority.&amp;nbsp;&lt;/o:p&gt;&lt;/div&gt;
  158. &lt;div class=&quot;MsoNormal&quot;&gt;
  159. &lt;o:p&gt;&lt;br /&gt;&lt;/o:p&gt;&lt;/div&gt;
  160. &lt;div class=&quot;MsoNormal&quot;&gt;
  161. &lt;o:p&gt;Please consult our &lt;a href=&quot;http://www.simpsonparsons.co.uk/&quot; target=&quot;_blank&quot;&gt;website&lt;/a&gt; for more information about our services. Alternatively, please call us on 015394 47387 to discuss your requirements.&lt;/o:p&gt;&lt;/div&gt;
  162. &lt;br /&gt;
  163. &lt;div class=&quot;MsoNormal&quot;&gt;
  164. &lt;br /&gt;&lt;/div&gt;
  165. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/298322924873412542/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2015/09/insurance-premium-tax-increase.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/298322924873412542'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/298322924873412542'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2015/09/insurance-premium-tax-increase.html' title='Insurance Premium Tax Increase'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-4811874845678168127</id><published>2015-06-05T08:55:00.000-07:00</published><updated>2015-06-09T02:05:59.944-07:00</updated><title type='text'>Cynical about Under Insurance....</title><content type='html'>&lt;div class=&quot;MsoNormal&quot;&gt;
  166. Take a look around your living room.&lt;br /&gt;
  167. &lt;br /&gt;
  168. Take a
  169. good look at all of your worldly possessions and now start making a list of all
  170. of the items and their value. Compare this to the value that you are insured
  171. for on your Home and Contents Insurance and I’ll bet you a fun size Mars bar
  172. that you are underinsured.&lt;/div&gt;
  173. &lt;div class=&quot;MsoNormal&quot;&gt;
  174. &lt;br /&gt;&lt;/div&gt;
  175. &lt;div class=&quot;MsoNormal&quot;&gt;
  176. A lot of people are. According to some estimates the average
  177. household in the &lt;st1:country-region w:st=&quot;on&quot;&gt;UK&lt;/st1:country-region&gt;
  178. is underinsured by 30%. Imagine not only losing all of your possessions, but
  179. also not being able to afford to replace them following a loss from Theft,
  180. Fire, Flood etc.&lt;/div&gt;
  181. &lt;div class=&quot;MsoNormal&quot;&gt;
  182. &lt;br /&gt;&lt;/div&gt;
  183. &lt;div class=&quot;MsoNormal&quot;&gt;
  184. Most insurers will also apply the condition of average,
  185. which means that if you have insured for £25,000 but you should have insured for
  186. £50,000 you will probably receive less than 50% back on the value of your
  187. claim.&lt;/div&gt;
  188. &lt;div class=&quot;MsoNormal&quot;&gt;
  189. &lt;br /&gt;&lt;/div&gt;
  190. &lt;div class=&quot;MsoNormal&quot;&gt;
  191. Don’t forget to adjust your Contents limit in the event that
  192. you inherit a family heirloom, jewellery, furniture or antiques and if you’re
  193. unsure about how much to insure them for, engage the services of a valuer. &lt;/div&gt;
  194. &lt;div class=&quot;MsoNormal&quot;&gt;
  195. &lt;br /&gt;&lt;/div&gt;
  196. &lt;div class=&quot;MsoNormal&quot;&gt;
  197. Many home and contents insurers offer an “Unlimited”
  198. contents limit, which can be one way around the issue of under insurance,
  199. however if you’re buying online please check the quotation thoroughly to check
  200. that you are on the correct basis.&lt;/div&gt;
  201. &lt;div class=&quot;MsoNormal&quot;&gt;
  202. &lt;br /&gt;&lt;/div&gt;
  203. &lt;div class=&quot;MsoNormal&quot;&gt;
  204. We’re biased, so we are always going to suggest that you
  205. engage the services of an insurance broker (preferably us) who can ensure that
  206. your policy is set up on the correct basis from day one. &lt;/div&gt;
  207. &lt;div class=&quot;MsoNormal&quot;&gt;
  208. &lt;br /&gt;&lt;/div&gt;
  209. &lt;div class=&quot;MsoNormal&quot;&gt;
  210. There is a misconception that buying through a broker is
  211. more expensive and whilst this may sometimes be the case, the broker does add
  212. value and in addition to providing assistance in setting up your policy, the
  213. broker is also there to help walk you through the claims process.&lt;/div&gt;
  214. &lt;div class=&quot;MsoNormal&quot;&gt;
  215. &lt;br /&gt;&lt;/div&gt;
  216. &lt;div class=&quot;MsoNormal&quot;&gt;
  217. We’ll sign off with a belter from Oscar Wilde:-&lt;/div&gt;
  218. &lt;div class=&quot;MsoNormal&quot;&gt;
  219. &lt;br /&gt;&lt;/div&gt;
  220. &lt;br /&gt;
  221. &lt;div class=&quot;MsoNormal&quot;&gt;
  222. A cynic is one “…who knows the price of everything, and the
  223. value of nothing.”&amp;nbsp;&lt;/div&gt;
  224. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/4811874845678168127/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2015/06/cynical-about-under-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/4811874845678168127'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/4811874845678168127'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2015/06/cynical-about-under-insurance.html' title='Cynical about Under Insurance....'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-9138129820586161034</id><published>2015-06-05T08:50:00.000-07:00</published><updated>2015-09-18T04:11:37.259-07:00</updated><title type='text'>Cyber Security Breach Levels Increase (again)…</title><content type='html'>&lt;div class=&quot;MsoNormal&quot;&gt;
  225. Cyber Security breach levels have risen again with 90% of
  226. large organisations and 74% of small businesses experiencing breaches in the
  227. past year. These numbers are up on last years of 81% and 60% respectively.&lt;/div&gt;
  228. &lt;div class=&quot;MsoNormal&quot;&gt;
  229. &lt;br /&gt;&lt;/div&gt;
  230. &lt;div class=&quot;MsoNormal&quot;&gt;
  231. 69% of large organisations and 38% of small organisations
  232. reported attacks by unauthorised outsiders.&lt;/div&gt;
  233. &lt;div class=&quot;MsoNormal&quot;&gt;
  234. &lt;br /&gt;&lt;/div&gt;
  235. &lt;div class=&quot;MsoNormal&quot;&gt;
  236. The actual cost of a breach continues to soar with the average
  237. cost for a large organisation somewhere between £1.46m-£3.14m and £75k-£311k
  238. for small businesses.&lt;/div&gt;
  239. &lt;div class=&quot;MsoNormal&quot;&gt;
  240. &lt;br /&gt;&lt;/div&gt;
  241. &lt;div class=&quot;MsoNormal&quot;&gt;
  242. Rather alarmingly just 39% of large organisations and 27% of
  243. small business have Cyber Liability Insurance in place.&lt;/div&gt;
  244. &lt;div class=&quot;MsoNormal&quot;&gt;
  245. &lt;br /&gt;&lt;/div&gt;
  246. &lt;div class=&quot;MsoNormal&quot;&gt;
  247. To put this into context, the number of security breaches is increasing, the cost of the breaches is doubling, but &lt;i&gt;fewer&lt;/i&gt; businesses and
  248. organisations are taking out a policy which would cover the costs following
  249. these attacks!&lt;/div&gt;
  250. &lt;div class=&quot;MsoNormal&quot;&gt;
  251. &lt;br /&gt;&lt;/div&gt;
  252. &lt;div class=&quot;MsoNormal&quot;&gt;
  253. Cyber Liability Insurance is much the same as
  254. with normal business insurance. There is an up-front cost attached that might
  255. never be recouped, but this is a mere fraction of the cost that could be incurred
  256. following a breach.&lt;/div&gt;
  257. &lt;div class=&quot;MsoNormal&quot;&gt;
  258. &lt;br /&gt;&lt;/div&gt;
  259. &lt;div class=&quot;MsoNormal&quot;&gt;
  260. Don’t be on the wrong side of the statistics, to find out how best to protect your business contact your insurance provider to discuss
  261. the policies available to you.&lt;br /&gt;
  262. &lt;br /&gt;
  263. &lt;i&gt;Edit&amp;nbsp;&lt;/i&gt;&lt;br /&gt;
  264. &lt;i&gt;18.09.15&lt;/i&gt;&lt;br /&gt;
  265. &lt;i&gt;&lt;br /&gt;&lt;/i&gt;
  266. &lt;i&gt;It is anticipated that changes to the EU Data Protection Regulations will be finalised by the end of 2015. The Regulations are wide ranging and much needed, particularly in light of the recent Ashley Madison breach (&lt;a href=&quot;http://www.huffingtonpost.com/entry/people-suing-ashley-madison-data-breach_55dcd12ce4b04ae49704d602&quot; target=&quot;_blank&quot;&gt;who are unsurprisingly now being sued in an attempted class action&lt;/a&gt;). A key area of the proposed changes is that any data breach will need to be notified to the relevant data protection authority. &lt;a href=&quot;http://www.computerweekly.com/guides/Essential-guide-What-the-EU-Data-Protection-Regulation-changes-mean-to-you&quot; target=&quot;_blank&quot;&gt;Computer Weekly have produced a decent guide which tells you more&lt;/a&gt;.&lt;/i&gt;&lt;br /&gt;
  267. &lt;i&gt;&lt;br /&gt;&lt;/i&gt;
  268. &lt;i&gt;Remember: The consequential costs incurred following a breach, can be insured!&amp;nbsp;&lt;/i&gt;&lt;/div&gt;
  269. &lt;div class=&quot;MsoNormal&quot;&gt;
  270. &lt;br /&gt;&lt;/div&gt;
  271. *All facts and figures sourced from HM Government 2015
  272. Information Security Breaches Survey available here: &lt;a href=&quot;http://www.pwc.co.uk/assets/pdf/2015-isbs-executive-summary-02.pdf&quot;&gt;http://www.pwc.co.uk/assets/pdf/2015-isbs-executive-summary-02.pdf&lt;/a&gt;&lt;br /&gt;
  273. &lt;br /&gt;
  274. &lt;br /&gt;</content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/9138129820586161034/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2015/06/cyber-security-breach-levels-increase.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/9138129820586161034'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/9138129820586161034'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2015/06/cyber-security-breach-levels-increase.html' title='Cyber Security Breach Levels Increase (again)…'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-8111822120572563461</id><published>2014-04-01T06:11:00.000-07:00</published><updated>2014-04-01T06:11:40.307-07:00</updated><title type='text'>Vacancy - Trainee Account Handler</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  275. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEja5gHwvFth_QQ-aaX_L_CUkTPfXULeBnVjgkw-lpuDuwnfpYlQ_4so4RtRygLKTKdcRIsSF_vFTcxwiwPeQ5IUAxxBOwKk-g0KrdDNh9qR5soS9VAQ24dHnseNSS2vaqE-h5DOpK4hNw/s1600/Logo.JPG&quot; imageanchor=&quot;1&quot; style=&quot;clear: left; float: left; margin-bottom: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEja5gHwvFth_QQ-aaX_L_CUkTPfXULeBnVjgkw-lpuDuwnfpYlQ_4so4RtRygLKTKdcRIsSF_vFTcxwiwPeQ5IUAxxBOwKk-g0KrdDNh9qR5soS9VAQ24dHnseNSS2vaqE-h5DOpK4hNw/s1600/Logo.JPG&quot; height=&quot;114&quot; width=&quot;320&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
  276. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  277. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10pt; line-height: 13.85pt;&quot;&gt;Simpson &amp;amp;
  278. Parsons are an independent, family-owned insurance broker and we have been
  279. trading since 1983.&lt;/span&gt;&lt;/div&gt;
  280. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  281. &lt;br /&gt;&lt;/div&gt;
  282. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  283. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;We initially started
  284. out by offering Hotel &amp;amp; Guest House insurance to businesses in the local
  285. area, but since then our business has diversified and we now offer a
  286. comprehensive range of insurance products to both private individuals and
  287. companies of all shapes and sizes.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  288. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  289. &lt;br /&gt;&lt;/div&gt;
  290. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  291. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;We have a very large
  292. and loyal bank of customers, which is growing by the day and for this reason we
  293. would like to recruit two&lt;span class=&quot;apple-converted-space&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;b&gt;&lt;u&gt;Trainee
  294. Account Handlers&lt;/u&gt;&lt;/b&gt;&lt;span class=&quot;apple-converted-space&quot;&gt;&amp;nbsp;&lt;/span&gt;to join
  295. our Hospitality team.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  296. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  297. &lt;br /&gt;&lt;/div&gt;
  298. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  299. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Whilst it would be
  300. ideal if you had some prior knowledge of working within the insurance industry,
  301. it is not essential. We offer a professional service and it&lt;span class=&quot;apple-converted-space&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;i&gt;is&lt;/i&gt;&lt;span class=&quot;apple-converted-space&quot;&gt;&amp;nbsp;&lt;/span&gt;essential that our customers receive
  302. sound advice and recommendations, so full training will be provided.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  303. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  304. &lt;br /&gt;&lt;/div&gt;
  305. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  306. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;We are looking for
  307. individuals with the confidence to join an established team, but make the role
  308. their own.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  309. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  310. &lt;br /&gt;&lt;/div&gt;
  311. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  312. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;In return we offer a
  313. competitive salary and a friendly, supportive environment in which to work.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  314. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  315. &lt;br /&gt;&lt;/div&gt;
  316. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  317. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Do you feel that you
  318. would be ideal for this role? If so, we would love to hear from you.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  319. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  320. &lt;br /&gt;&lt;/div&gt;
  321. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  322. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Please send your CV
  323. and a covering letter telling us more about&lt;span class=&quot;apple-converted-space&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;i&gt;you&lt;/i&gt;&lt;span class=&quot;apple-converted-space&quot;&gt;&amp;nbsp;&lt;/span&gt;to:&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  324. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  325. &lt;br /&gt;&lt;/div&gt;
  326. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  327. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Email: &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  328. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  329. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;&lt;a href=&quot;mailto:linsey@simpsonparsons.co.uk&quot;&gt;linsey@simpsonparsons.co.uk&lt;/a&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  330. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  331. &lt;br /&gt;&lt;/div&gt;
  332. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  333. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Address: &amp;nbsp;
  334. &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  335. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  336. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Mrs L Mitchell&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  337. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  338. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Simpson &amp;amp;
  339. Parsons Insurance Consultants Ltd&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  340. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  341. &lt;st1:street w:st=&quot;on&quot;&gt;&lt;st1:address w:st=&quot;on&quot;&gt;&lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;6-8 High Street&lt;/span&gt;&lt;/st1:address&gt;&lt;/st1:street&gt;&lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  342. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  343. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Windermere&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  344. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  345. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;LA23 1AF&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  346. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  347. &lt;br /&gt;&lt;/div&gt;
  348. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  349. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Telephone:&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  350. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  351. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;015394 47387&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  352. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  353. &lt;br /&gt;&lt;/div&gt;
  354. &lt;div class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: 13.85pt;&quot;&gt;
  355. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt;&quot;&gt;Website:&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
  356. &lt;span style=&quot;color: #666666; font-family: Verdana; font-size: 10.0pt; mso-ansi-language: EN-GB; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-GB;&quot;&gt;&lt;a href=&quot;http://www.simpsonparsons.co.uk/&quot;&gt;www.simpsonparsons.co.uk&lt;/a&gt;&lt;/span&gt;</content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/8111822120572563461/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2014/04/vacancy-trainee-account-handler.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/8111822120572563461'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/8111822120572563461'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2014/04/vacancy-trainee-account-handler.html' title='Vacancy - Trainee Account Handler'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEja5gHwvFth_QQ-aaX_L_CUkTPfXULeBnVjgkw-lpuDuwnfpYlQ_4so4RtRygLKTKdcRIsSF_vFTcxwiwPeQ5IUAxxBOwKk-g0KrdDNh9qR5soS9VAQ24dHnseNSS2vaqE-h5DOpK4hNw/s72-c/Logo.JPG" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-5961134312415287865</id><published>2014-01-08T06:58:00.001-08:00</published><updated>2014-01-31T04:05:40.104-08:00</updated><title type='text'>Pensions Auto Enrolment Seminar</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  357. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxm-xZx42RMN71AAvYBl7Kdj7YNhvztbq5dpu4_ATEZhrGA9YjDsDGklGBfhEufwt4Q8MX9ugBumgQHEVlW81Ra0ckx4EQ4NPkYT8f1822B8foOBQQW6IgVLwpG_GCJz6rBpOhng4d5A/s1600/nav1.gif&quot; imageanchor=&quot;1&quot; style=&quot;clear: left; float: left; margin-bottom: 1em; margin-right: 1em;&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;/span&gt;&lt;/a&gt;&lt;/div&gt;
  358. &lt;div style=&quot;text-align: center;&quot;&gt;
  359. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  360. &lt;div style=&quot;text-align: center;&quot;&gt;
  361. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;LIMITED SPACES AVAILABLE!!&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  362. &lt;div style=&quot;text-align: center;&quot;&gt;
  363. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  364. &lt;div style=&quot;text-align: left;&quot;&gt;
  365. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  366. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  367. &lt;br /&gt;
  368. Auto Enrolment is one of the biggest compulsory changes in recent years most businesses will have encountered. &lt;/span&gt;&lt;br /&gt;
  369. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  370. Here at Simpson &amp;amp; Parsons we have teamed up with &lt;a href=&quot;http://www.torquilclark.com/&quot; target=&quot;_blank&quot;&gt;Torquil Clark&lt;/a&gt;, locally based Independent Financial Advisers. They recognise the complexity, resource and communication required in order to meet your regulatory and ongoing obligations.&lt;/span&gt;&lt;br /&gt;
  371. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  372. A number of employers are still unaware of when they are supposed to have implemented plans to automatically enrol their eligible employees by and although staging dates vary, the requirement for a 12 month plan does not.&lt;/span&gt;&lt;br /&gt;
  373. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  374. As your staging date rapidly approaches, have you completed your plan for The Pensions Regulator?&lt;/span&gt;&lt;br /&gt;
  375. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  376. We are holding a brief seminar &lt;b&gt;&lt;u&gt;for companies employing 5 employees or more&lt;/u&gt;&lt;/b&gt; at the &lt;a href=&quot;http://www.daffodilhotel.co.uk/&quot; target=&quot;_blank&quot;&gt;Daffodil Hotel &amp;amp; Spa&lt;/a&gt;, Keswick Road, Grasmere on 16th January 2014 to address some of the issues you may face.&lt;/span&gt;&lt;br /&gt;
  377. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  378. The session is expected to last no more than 1 hour, and there will be an opportunity to speak with the team at Torquil Clark about your individual concerns afterwards.&lt;/span&gt;&lt;br /&gt;
  379. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  380. Despite what you may have been led to believe, auto enrolment is not only about the pension scheme itself; it’s also about making sure that you manage the process of enrolling eligible employees into a qualifying pension scheme.&amp;nbsp;&lt;/span&gt;&lt;br /&gt;
  381. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  382. One of the largest elements of concern for the employer is managing the process of enrolling employees into a pension scheme and the constant need to keep track of who has been enrolled, who has opted out and when they need to be re-enrolled.&lt;/span&gt;&lt;br /&gt;
  383. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;
  384. Places are limited, so if you are interested in attending the seminar,&amp;nbsp;please contact Duncan Cramphorn either via email:&amp;nbsp;&lt;a href=&quot;mailto:duncan@simpsonparsons.co.uk&quot; target=&quot;_blank&quot;&gt;duncan@simpsonparsons.co.uk&lt;/a&gt;&amp;nbsp;or telephone&amp;nbsp;&lt;b&gt;015394 47387&lt;/b&gt;&amp;nbsp;for timings&amp;nbsp;and to reserve your place. &amp;nbsp;&lt;/span&gt;&lt;br /&gt;
  385. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  386. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;If you cannot attend the session, but would like Torquil Clark to visit you for an initial discussion, please also use the contact details shown above.&amp;nbsp;&lt;/span&gt;&lt;br /&gt;
  387. &lt;div&gt;
  388. &lt;br /&gt;&lt;/div&gt;
  389. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/5961134312415287865/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2014/01/pensions-auto-enrolment-seminar.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/5961134312415287865'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/5961134312415287865'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2014/01/pensions-auto-enrolment-seminar.html' title='Pensions Auto Enrolment Seminar'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-7313410035719464671</id><published>2013-11-25T04:13:00.000-08:00</published><updated>2014-01-31T03:50:46.248-08:00</updated><title type='text'>Internet Price Matching!</title><content type='html'>&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  390. &lt;div class=&quot;separator&quot; style=&quot;clear: right; float: right; margin-bottom: 1em; margin-left: 1em; text-align: center;&quot;&gt;
  391. &lt;a href=&quot;http://www.simpsonparsons.co.uk/motor_insurance.asp&quot; target=&quot;_blank&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;img alt=&quot; Motor Insurance&quot; border=&quot;0&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjeSg5RVnRtXJIpIhv3MCkJ8krOaJ1muAKL6jhEuf1dEbcojQCcF1QGfmEnolpK2EA3PbY6Xa5xCsrYYRJib4cgvchxoJZyQRuKw2YiUrFsfOPov3FrzgKF9zJRjmzP5asHikayuTfC5Q/s400/Vehicle+Offer.JPG&quot; height=&quot;280&quot; width=&quot;400&quot; /&gt;&lt;/span&gt;&lt;/a&gt;&lt;/div&gt;
  392. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  393. &lt;div class=&quot;MsoNormal&quot;&gt;
  394. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Thanks for clicking through to our blog!&lt;/span&gt;&lt;/div&gt;
  395. &lt;div class=&quot;MsoNormal&quot;&gt;
  396. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  397. &lt;div class=&quot;MsoNormal&quot;&gt;
  398. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Please see below for details of how to access our internet price matching
  399. facility for Private Car insurance.&lt;/span&gt;&lt;/div&gt;
  400. &lt;div class=&quot;MsoNormal&quot;&gt;
  401. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  402. &lt;div class=&quot;MsoNormal&quot;&gt;
  403. &lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Why use us?&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  404. &lt;div class=&quot;MsoNormal&quot;&gt;
  405. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  406. &lt;ul style=&quot;margin-top: 0cm;&quot; type=&quot;disc&quot;&gt;
  407. &lt;li class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Comparable pricing&lt;/span&gt;&lt;/li&gt;
  408. &lt;li class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Friendly, local service&lt;/span&gt;&lt;/li&gt;
  409. &lt;li class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;You’ll be dealing with people, not machines!&lt;/span&gt;&lt;/li&gt;
  410. &lt;/ul&gt;
  411. &lt;div class=&quot;MsoNormal&quot;&gt;
  412. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;To enable us to match your online quote all we need is:-&lt;/span&gt;&lt;/div&gt;
  413. &lt;div class=&quot;MsoNormal&quot;&gt;
  414. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  415. &lt;ul style=&quot;margin-top: 0cm;&quot; type=&quot;disc&quot;&gt;
  416. &lt;li class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;A
  417.     telephone call! Please call &lt;b&gt;015394
  418.     47387&lt;/b&gt; and select Option 1&lt;/span&gt;&lt;/li&gt;
  419. &lt;li class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;A
  420.     copy of driving licences for all drivers to be named on the policy&lt;/span&gt;&lt;/li&gt;
  421. &lt;li class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;A
  422.     copy of your renewal schedule or a printed quotation (this can be from a
  423.     comparison website)&lt;/span&gt;&lt;/li&gt;
  424. &lt;/ul&gt;
  425. &lt;div class=&quot;MsoNormal&quot;&gt;
  426. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  427. &lt;div class=&quot;MsoNormal&quot;&gt;
  428. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;For help on this or any other kind of insurance, please do
  429. not hesitate to contact us on &lt;b&gt;015394
  430. 47387&lt;/b&gt;.&lt;/span&gt;&lt;/div&gt;
  431. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/7313410035719464671/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2013/11/internet-price-matching.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/7313410035719464671'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/7313410035719464671'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2013/11/internet-price-matching.html' title='Internet Price Matching!'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjeSg5RVnRtXJIpIhv3MCkJ8krOaJ1muAKL6jhEuf1dEbcojQCcF1QGfmEnolpK2EA3PbY6Xa5xCsrYYRJib4cgvchxoJZyQRuKw2YiUrFsfOPov3FrzgKF9zJRjmzP5asHikayuTfC5Q/s72-c/Vehicle+Offer.JPG" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-1646955588006880111</id><published>2013-10-25T08:11:00.001-07:00</published><updated>2015-12-22T08:31:53.844-08:00</updated><title type='text'>Adverse Weather - 5 Claims tips</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  432. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRe_59Koq57Jg0IFlXZzwCKFlwukMsJZQOzjhWpcgOzKASA05wUB8X_s7SCeNcpxLeVysftMzmmkXSw9AM_fnw0RsPxfAW6rMUFw8XnxaIKJUablwNedvpqIWKzM84l5rzceBFNF6Hjw/s1600/Overwhelmed_Flood_sign%252C_Upton-upon-Severn.jpg&quot; imageanchor=&quot;1&quot; style=&quot;clear: left; float: left; margin-bottom: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; height=&quot;200&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRe_59Koq57Jg0IFlXZzwCKFlwukMsJZQOzjhWpcgOzKASA05wUB8X_s7SCeNcpxLeVysftMzmmkXSw9AM_fnw0RsPxfAW6rMUFw8XnxaIKJUablwNedvpqIWKzM84l5rzceBFNF6Hjw/s200/Overwhelmed_Flood_sign%252C_Upton-upon-Severn.jpg&quot; width=&quot;185&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
  433. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;There are yet more weather warnings circulating as rain continues to fall on already saturated ground. Some unlucky people are getting flooded for a second or even third time in as many weeks.&lt;/span&gt;&lt;br /&gt;
  434. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  435. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;We would always encourage our customers to contact us as soon as possible after a loss. However, losses do not always occur during normal office hours!&lt;/span&gt;&lt;br /&gt;
  436. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  437. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;In the event that you are unable to contact us, we&#39;ve listed five of our top tips below which we hope will help you in the immediate after of a major loss.&lt;/span&gt;&lt;br /&gt;
  438. &lt;br /&gt;
  439. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;ol&gt;
  440. &lt;li&gt;Take photos/video of the damage caused - &lt;b&gt;&lt;u&gt;as long as it is safe to do so&lt;/u&gt;&lt;/b&gt;.&lt;/li&gt;
  441. &lt;li&gt;Make any running repairs or alterations that may be required to prevent further loss - &lt;b&gt;&lt;u&gt;AS LONG AS IT IS SAFE TO DO SO&lt;/u&gt;&lt;/b&gt;.&lt;/li&gt;
  442. &lt;li&gt;Please provide as much information about the damage as possible. Where is the damage? What’s the extent of the damage? What has been lost? etc.&lt;/li&gt;
  443. &lt;li&gt;Where possible, obtain two estimates for repair which includes a full breakdown of the costs involved.&amp;nbsp;&lt;/li&gt;
  444. &lt;li&gt;Act as if you are not insured. Strange advice, but do what you need to do to keep you and your property safe and/or to keep your business running. Take photos of anything you&#39;ve removed from the premises ie. wet carpet, flooring etc. Keep records of any and all expenditure incurred as a result of the loss so that you can try and claim these back at a later date. In extreme weather events, you can&#39;t always be expected to wait for the Loss Adjuster to advise you!&lt;/li&gt;
  445. &lt;/ol&gt;
  446. &lt;/span&gt;&lt;div&gt;
  447. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  448. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Report your claim to your broker or insurer as soon as possible. If the loss occurs on a public holiday, weekend or generally out of normal office hours, please consult your policy wording for an emergency contact number.&amp;nbsp;&lt;/span&gt;&lt;br /&gt;
  449. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;If you still can&#39;t track the contact number down, &lt;b&gt;most Insurers will list an emergency claims contact number on their website&lt;/b&gt;. &amp;nbsp;&lt;/span&gt;&lt;br /&gt;
  450. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  451. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;We obviously hope that you will never have to follow these tips, but should you suffer a major loss, we hope that they are of some assistance to you!&lt;/span&gt;&lt;br /&gt;
  452. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;
  453. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  454. &lt;/div&gt;
  455. &lt;br /&gt;
  456. &lt;div&gt;
  457. &lt;br /&gt;&lt;/div&gt;
  458. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/1646955588006880111/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2013/10/adverse-weather-tip-top-tips-to.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/1646955588006880111'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/1646955588006880111'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2013/10/adverse-weather-tip-top-tips-to.html' title='Adverse Weather - 5 Claims tips'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRe_59Koq57Jg0IFlXZzwCKFlwukMsJZQOzjhWpcgOzKASA05wUB8X_s7SCeNcpxLeVysftMzmmkXSw9AM_fnw0RsPxfAW6rMUFw8XnxaIKJUablwNedvpqIWKzM84l5rzceBFNF6Hjw/s72-c/Overwhelmed_Flood_sign%252C_Upton-upon-Severn.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-2289022893140741265</id><published>2013-08-22T09:09:00.002-07:00</published><updated>2014-01-31T03:50:35.720-08:00</updated><title type='text'>Do you do...?</title><content type='html'>&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;...followed by a particular type of cover is a question that we get asked a lot!&lt;/span&gt;&lt;br /&gt;
  459. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  460. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Rather than responding one by one, we thought we would list a few here to give you an overview of our
  461. range!&lt;/span&gt;&lt;br /&gt;
  462. &lt;div class=&quot;MsoNormal&quot;&gt;
  463. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  464. &lt;div class=&quot;MsoNormal&quot;&gt;
  465. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Please note that this is &lt;u&gt;not an exhaustive list&lt;/u&gt;, just
  466. a snap shot of the trade sectors we deal with on a regular basis. If the trade
  467. you need is not listed, please contact us on 015394 47387 to chat your
  468. requirements through.&lt;/span&gt;&lt;/div&gt;
  469. &lt;div class=&quot;MsoNormal&quot;&gt;
  470. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  471. &lt;div class=&quot;MsoNormal&quot;&gt;
  472. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Simpson &amp;amp; Parsons are split into three teams and here’s
  473. how we divide and service our customers:-&lt;/span&gt;&lt;/div&gt;
  474. &lt;div class=&quot;MsoNormal&quot;&gt;
  475. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  476. &lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  477. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLjCANfe-tCKlSy4DP9B1ZY5XbVPCvxcA9IPEgzw_2stbtCxrNCpD7fjZypELMc7hY_j30lA8yetRrOsyVX9-eE6w5-5h1IXhPe-aklauzPkhBsDoNdGgTqbyHKGMIkcQwK-9blydZ4Q/s1600/ferrari_dino_concept_car_by_nixseraph.jpg&quot; imageanchor=&quot;1&quot; style=&quot;clear: left; float: left; margin-bottom: 1em; margin-right: 1em;&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;img border=&quot;0&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLjCANfe-tCKlSy4DP9B1ZY5XbVPCvxcA9IPEgzw_2stbtCxrNCpD7fjZypELMc7hY_j30lA8yetRrOsyVX9-eE6w5-5h1IXhPe-aklauzPkhBsDoNdGgTqbyHKGMIkcQwK-9blydZ4Q/s320/ferrari_dino_concept_car_by_nixseraph.jpg&quot; height=&quot;192&quot; width=&quot;320&quot; /&gt;&lt;/span&gt;&lt;/a&gt;&lt;/div&gt;
  478. &lt;div class=&quot;MsoNormal&quot;&gt;
  479. &lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Personal Team&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  480. &lt;div class=&quot;MsoNormal&quot;&gt;
  481. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  482. &lt;div class=&quot;MsoNormal&quot;&gt;
  483. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Home&lt;/span&gt;&lt;/div&gt;
  484. &lt;div class=&quot;MsoNormal&quot;&gt;
  485. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Motor (individual vehicle or Motor Fleet 5+ vehicles)&lt;/span&gt;&lt;/div&gt;
  486. &lt;div class=&quot;MsoNormal&quot;&gt;
  487. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Travel (individual trip or annual policy)&lt;/span&gt;&lt;/div&gt;
  488. &lt;div class=&quot;MsoNormal&quot;&gt;
  489. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Individual Personal Accident&lt;/span&gt;&lt;/div&gt;
  490. &lt;div class=&quot;MsoNormal&quot;&gt;
  491. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  492. &lt;div class=&quot;MsoNormal&quot;&gt;
  493. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Contact: luke@simpsonparsons.co.uk&lt;/span&gt;&lt;/div&gt;
  494. &lt;div class=&quot;MsoNormal&quot;&gt;
  495. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  496. &lt;div class=&quot;MsoNormal&quot;&gt;
  497. &lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  498. &lt;div class=&quot;MsoNormal&quot;&gt;
  499. &lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  500. &lt;div class=&quot;MsoNormal&quot;&gt;
  501. &lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  502. &lt;div class=&quot;MsoNormal&quot;&gt;
  503. &lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Hospitality Team&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  504. &lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  505. &lt;b&gt;&lt;u&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMVvptoUtBBYwGLceGNq5T5ZRmmAfLPr7P069qP3uV1bkgDmGXIzJlt2lEJkexs8c6wnELfbnSqkevaGny-Br7bkgTkzpAU6nuB5xQoy530au3Ksh4YENxWuaaBP2RdN_dGgO0E9AUww/s1600/44565678.jpg&quot; imageanchor=&quot;1&quot; style=&quot;clear: right; float: right; margin-bottom: 1em; margin-left: 1em;&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;img border=&quot;0&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMVvptoUtBBYwGLceGNq5T5ZRmmAfLPr7P069qP3uV1bkgDmGXIzJlt2lEJkexs8c6wnELfbnSqkevaGny-Br7bkgTkzpAU6nuB5xQoy530au3Ksh4YENxWuaaBP2RdN_dGgO0E9AUww/s320/44565678.jpg&quot; height=&quot;212&quot; width=&quot;320&quot; /&gt;&lt;/span&gt;&lt;/a&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  506. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;/span&gt;
  507. &lt;div class=&quot;MsoNormal&quot;&gt;
  508. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  509. &lt;div class=&quot;MsoNormal&quot;&gt;
  510. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Hotels&lt;/span&gt;&lt;/div&gt;
  511. &lt;div class=&quot;MsoNormal&quot;&gt;
  512. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Pubs&lt;/span&gt;&lt;/div&gt;
  513. &lt;div class=&quot;MsoNormal&quot;&gt;
  514. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Guest Houses&lt;/span&gt;&lt;/div&gt;
  515. &lt;div class=&quot;MsoNormal&quot;&gt;
  516. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;B&amp;amp;B’s&lt;/span&gt;&lt;/div&gt;
  517. &lt;div class=&quot;MsoNormal&quot;&gt;
  518. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Restaurants&lt;/span&gt;&lt;/div&gt;
  519. &lt;div class=&quot;MsoNormal&quot;&gt;
  520. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Cafes&lt;/span&gt;&lt;/div&gt;
  521. &lt;div class=&quot;MsoNormal&quot;&gt;
  522. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Takeaways&lt;/span&gt;&lt;/div&gt;
  523. &lt;div class=&quot;MsoNormal&quot;&gt;
  524. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  525. &lt;div class=&quot;MsoNormal&quot;&gt;
  526. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Contact: linsey@simpsonparsons.co.uk&lt;/span&gt;&lt;/div&gt;
  527. &lt;div class=&quot;MsoNormal&quot;&gt;
  528. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  529. &lt;div class=&quot;MsoNormal&quot;&gt;
  530. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;u&gt;&lt;/u&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  531. &lt;div class=&quot;MsoNormal&quot;&gt;
  532. &lt;b&gt;&lt;u&gt;&lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  533. &lt;div class=&quot;MsoNormal&quot;&gt;
  534. &lt;b&gt;&lt;u&gt;&lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  535. &lt;div class=&quot;MsoNormal&quot;&gt;
  536. &lt;b&gt;&lt;u&gt;&lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  537. &lt;div class=&quot;MsoNormal&quot;&gt;
  538. &lt;b&gt;&lt;u&gt;&lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;/u&gt;&lt;/b&gt;&lt;/div&gt;
  539. &lt;b&gt;&lt;u&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Commercial&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;
  540. &lt;div class=&quot;MsoNormal&quot;&gt;
  541. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  542. &lt;div class=&quot;MsoNormal&quot;&gt;
  543. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0KiAclb25oyh1TDH5ZdiGDjoHuPV_rzy6lf6vGJvazwElohAPwlLxR0_4iPCC4m5qBPfFUKm-6NlONknP8CSwOzC5Cz1O2_Z5rLQ3q3hb-XpKx-W23qG3dIix19FSZ1Z1eMv2x4oCBw/s1600/Tradesmen.jpg&quot; imageanchor=&quot;1&quot; style=&quot;clear: left; float: left; margin-bottom: 1em; margin-right: 1em;&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;img border=&quot;0&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0KiAclb25oyh1TDH5ZdiGDjoHuPV_rzy6lf6vGJvazwElohAPwlLxR0_4iPCC4m5qBPfFUKm-6NlONknP8CSwOzC5Cz1O2_Z5rLQ3q3hb-XpKx-W23qG3dIix19FSZ1Z1eMv2x4oCBw/s320/Tradesmen.jpg&quot; height=&quot;212&quot; width=&quot;320&quot; /&gt;&lt;/span&gt;&lt;/a&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Architects&lt;/span&gt;&lt;/div&gt;
  544. &lt;div class=&quot;MsoNormal&quot;&gt;
  545. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Accountants&lt;/span&gt;&lt;/div&gt;
  546. &lt;div class=&quot;MsoNormal&quot;&gt;
  547. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Charities&lt;/span&gt;&lt;/div&gt;
  548. &lt;div class=&quot;MsoNormal&quot;&gt;
  549. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Consultants (all types)&lt;/span&gt;&lt;/div&gt;
  550. &lt;div class=&quot;MsoNormal&quot;&gt;
  551. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Estate Agents&lt;/span&gt;&lt;/div&gt;
  552. &lt;div class=&quot;MsoNormal&quot;&gt;
  553. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Events (one-off and annual)&lt;/span&gt;&lt;/div&gt;
  554. &lt;div class=&quot;MsoNormal&quot;&gt;
  555. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Logistics&lt;/span&gt;&lt;/div&gt;
  556. &lt;div class=&quot;MsoNormal&quot;&gt;
  557. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Manufacturers&lt;/span&gt;&lt;/div&gt;
  558. &lt;div class=&quot;MsoNormal&quot;&gt;
  559. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Motor Traders&lt;/span&gt;&lt;/div&gt;
  560. &lt;div class=&quot;MsoNormal&quot;&gt;
  561. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;New Business start-ups (all types)&lt;/span&gt;&lt;/div&gt;
  562. &lt;div class=&quot;MsoNormal&quot;&gt;
  563. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Offices&lt;/span&gt;&lt;/div&gt;
  564. &lt;div class=&quot;MsoNormal&quot;&gt;
  565. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Property Owners (commercial)&lt;/span&gt;&lt;/div&gt;
  566. &lt;div class=&quot;MsoNormal&quot;&gt;
  567. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Property Owners (residential) &lt;/span&gt;&lt;/div&gt;
  568. &lt;div class=&quot;MsoNormal&quot;&gt;
  569. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Retailers&lt;/span&gt;&lt;/div&gt;
  570. &lt;div class=&quot;MsoNormal&quot;&gt;
  571. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Solicitors&lt;/span&gt;&lt;/div&gt;
  572. &lt;div class=&quot;MsoNormal&quot;&gt;
  573. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Surveyors&lt;/span&gt;&lt;/div&gt;
  574. &lt;div class=&quot;MsoNormal&quot;&gt;
  575. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Tradesmen&lt;/span&gt;&lt;/div&gt;
  576. &lt;div class=&quot;MsoNormal&quot;&gt;
  577. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Wholesalers&lt;/span&gt;&lt;/div&gt;
  578. &lt;div class=&quot;MsoNormal&quot;&gt;
  579. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  580. &lt;div class=&quot;MsoNormal&quot;&gt;
  581. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Contact: duncan@simpsonparsons.co.uk&lt;/span&gt;&lt;/div&gt;
  582. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/2289022893140741265/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2013/08/do-you-do.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/2289022893140741265'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/2289022893140741265'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2013/08/do-you-do.html' title='Do you do...?'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLjCANfe-tCKlSy4DP9B1ZY5XbVPCvxcA9IPEgzw_2stbtCxrNCpD7fjZypELMc7hY_j30lA8yetRrOsyVX9-eE6w5-5h1IXhPe-aklauzPkhBsDoNdGgTqbyHKGMIkcQwK-9blydZ4Q/s72-c/ferrari_dino_concept_car_by_nixseraph.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-1470535608129041828</id><published>2013-01-23T08:30:00.000-08:00</published><updated>2013-01-23T08:30:50.708-08:00</updated><title type='text'>Breaking down a Combined policy...</title><content type='html'>&lt;div class=&quot;MsoNormal&quot;&gt;
  583. We see a diverse range of companies both in terms of size
  584. and type of business undertaken and sometimes there can be an element of fear
  585. when it comes to their insurance and actually understanding what exactly they
  586. are covered for and how their premium is calculated.&lt;/div&gt;
  587. &lt;div class=&quot;MsoNormal&quot;&gt;
  588. &lt;br /&gt;&lt;/div&gt;
  589. &lt;div class=&quot;MsoNormal&quot;&gt;
  590. With this in mind, we thought we’d try to put together a
  591. basic guide to explain the ins and outs of a standard Commercial Combined
  592. policy. We’ve tried to keep it simple and not dazzle you with jargon, but if
  593. you’ve got any general queries, please feel free to run them by us!&lt;/div&gt;
  594. &lt;div class=&quot;MsoNormal&quot;&gt;
  595. &lt;br /&gt;&lt;/div&gt;
  596. &lt;div class=&quot;MsoNormal&quot;&gt;
  597. The “Combined” policy has been in existence for a while now,
  598. before that the different sections of a policy used to be placed with different
  599. insurers, however as premiums have become more competitive and suppliers more
  600. plentiful, it soon became apparent that it would be easier all round if the
  601. various sections were combined under a single policy. Hence, Commercial
  602. Combined.&lt;/div&gt;
  603. &lt;div class=&quot;MsoNormal&quot;&gt;
  604. &lt;br /&gt;&lt;/div&gt;
  605. &lt;div class=&quot;MsoNormal&quot;&gt;
  606. &lt;b&gt;Material Damage &amp;amp;
  607. Theft&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  608. &lt;div class=&quot;MsoNormal&quot;&gt;
  609. &lt;br /&gt;&lt;/div&gt;
  610. &lt;div class=&quot;MsoNormal&quot;&gt;
  611. These are the section(s) under which your tangible assets
  612. are covered. &lt;u&gt;You&lt;/u&gt; determine the limits by providing us with a new
  613. replacement value of your Plant, Machinery, Computers, Contents, Electronic
  614. Office Equipment etc.&lt;/div&gt;
  615. &lt;div class=&quot;MsoNormal&quot;&gt;
  616. &lt;br /&gt;&lt;/div&gt;
  617. &lt;div class=&quot;MsoNormal&quot;&gt;
  618. Most policies will work on a “new for old” basis unless you
  619. have agreed otherwise with your insurer.&lt;/div&gt;
  620. &lt;div class=&quot;MsoNormal&quot;&gt;
  621. &lt;br /&gt;&lt;/div&gt;
  622. &lt;div class=&quot;MsoNormal&quot;&gt;
  623. Stock would also be covered under this section but usually
  624. on an indemnity (like for like) basis with the cost price being used to
  625. calculate the premium.&lt;/div&gt;
  626. &lt;div class=&quot;MsoNormal&quot;&gt;
  627. &lt;br /&gt;&lt;/div&gt;
  628. &lt;div class=&quot;MsoNormal&quot;&gt;
  629. &lt;b&gt;Specified All Risks&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  630. &lt;div class=&quot;MsoNormal&quot;&gt;
  631. &lt;br /&gt;&lt;/div&gt;
  632. &lt;div class=&quot;MsoNormal&quot;&gt;
  633. Under this section we place your portable assets that are
  634. based at your business premises, but also taken away from site, such as
  635. laptops, phones, equipment etc.&lt;/div&gt;
  636. &lt;div class=&quot;MsoNormal&quot;&gt;
  637. &lt;br /&gt;&lt;/div&gt;
  638. &lt;div class=&quot;MsoNormal&quot;&gt;
  639. You can specify the geographical location of these: &lt;st1:country-region w:st=&quot;on&quot;&gt;UK&lt;/st1:country-region&gt; / EU / Rest
  640. of the World&lt;/div&gt;
  641. &lt;div class=&quot;MsoNormal&quot;&gt;
  642. &lt;br /&gt;&lt;/div&gt;
  643. &lt;div class=&quot;MsoNormal&quot;&gt;
  644. We would also specify any individual items if they were
  645. particularly valuable and portable, for example &lt;/div&gt;
  646. &lt;div class=&quot;MsoNormal&quot;&gt;
  647. &lt;br /&gt;&lt;/div&gt;
  648. &lt;div class=&quot;MsoNormal&quot;&gt;
  649. &lt;i&gt;“Canon Digital SLR
  650. Camera - £1,000 (EU)”&lt;o:p&gt;&lt;/o:p&gt;&lt;/i&gt;&lt;/div&gt;
  651. &lt;div class=&quot;MsoNormal&quot;&gt;
  652. &lt;br /&gt;&lt;/div&gt;
  653. &lt;div class=&quot;MsoNormal&quot;&gt;
  654. &lt;b&gt;Business Interruption
  655. (BI)&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  656. &lt;div class=&quot;MsoNormal&quot;&gt;
  657. &lt;br /&gt;&lt;/div&gt;
  658. &lt;div class=&quot;MsoNormal&quot;&gt;
  659. Arguably one of the most important sections of a Combined
  660. policy. This section covers your loss of Gross Profit (sometimes Revenue or
  661. Increased Costs of Working) following an incident that is covered under the
  662. Material Damage section. &lt;/div&gt;
  663. &lt;div class=&quot;MsoNormal&quot;&gt;
  664. &lt;br /&gt;&lt;/div&gt;
  665. &lt;div class=&quot;MsoNormal&quot;&gt;
  666. The interruption to your business has to be as a direct
  667. consequence of a material loss.&lt;/div&gt;
  668. &lt;div class=&quot;MsoNormal&quot;&gt;
  669. &lt;br /&gt;&lt;/div&gt;
  670. &lt;div class=&quot;MsoNormal&quot;&gt;
  671. BI cover has been the difference between some businesses
  672. recovering or going under after a large claim. &lt;/div&gt;
  673. &lt;div class=&quot;MsoNormal&quot;&gt;
  674. &lt;br /&gt;&lt;/div&gt;
  675. &lt;div class=&quot;MsoNormal&quot;&gt;
  676. There is much more depth, breadth and scope to this cover
  677. (too much to go into here), but talk to us and we can ensure that this section
  678. is tailored to suit your specific needs.&lt;/div&gt;
  679. &lt;div class=&quot;MsoNormal&quot;&gt;
  680. &lt;br /&gt;&lt;/div&gt;
  681. &lt;b&gt;&lt;span style=&quot;font-size: 12pt;&quot;&gt;&lt;br clear=&quot;all&quot; style=&quot;page-break-before: always;&quot; /&gt;
  682. &lt;/span&gt;&lt;/b&gt;
  683.  
  684. &lt;div class=&quot;MsoNormal&quot;&gt;
  685. &lt;b&gt;Goods in Transit&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  686. &lt;div class=&quot;MsoNormal&quot;&gt;
  687. &lt;br /&gt;&lt;/div&gt;
  688. &lt;div class=&quot;MsoNormal&quot;&gt;
  689. If you are moving goods around in say, a van and that van
  690. happens to have an accident and in so doing you lose the goods that were in
  691. said van, you can insure against this event! Theft from the vehicle would also
  692. be covered (subject to certain terms and conditions). &lt;/div&gt;
  693. &lt;div class=&quot;MsoNormal&quot;&gt;
  694. &lt;br /&gt;&lt;/div&gt;
  695. &lt;div class=&quot;MsoNormal&quot;&gt;
  696. We just need to know the maximum amount of goods in your
  697. vehicle at any one time.&lt;/div&gt;
  698. &lt;div class=&quot;MsoNormal&quot;&gt;
  699. &lt;br /&gt;&lt;/div&gt;
  700. &lt;div class=&quot;MsoNormal&quot;&gt;
  701. &lt;b&gt;Money&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  702. &lt;div class=&quot;MsoNormal&quot;&gt;
  703. &lt;br /&gt;&lt;/div&gt;
  704. &lt;div class=&quot;MsoNormal&quot;&gt;
  705. This section covers physical cash held on site during
  706. working hours or in the safe overnight or in transit to the bank and more.&lt;/div&gt;
  707. &lt;div class=&quot;MsoNormal&quot;&gt;
  708. &lt;br /&gt;&lt;/div&gt;
  709. &lt;div class=&quot;MsoNormal&quot;&gt;
  710. &lt;b&gt;Employers Liability
  711. (EL)&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  712. &lt;div class=&quot;MsoNormal&quot;&gt;
  713. &lt;br /&gt;&lt;/div&gt;
  714. &lt;div class=&quot;MsoNormal&quot;&gt;
  715. If you are a Limited company then by law you must have EL cover
  716. in place (there are a couple of exemptions, which can be found on page 3 of
  717. this document: &lt;a href=&quot;http://www.hse.gov.uk/pubns/hse40.pdf&quot;&gt;http://www.hse.gov.uk/pubns/hse40.pdf&lt;/a&gt;&lt;/div&gt;
  718. &lt;div class=&quot;MsoNormal&quot;&gt;
  719. &lt;br /&gt;&lt;/div&gt;
  720. &lt;div class=&quot;MsoNormal&quot;&gt;
  721. The government insists on a minimum of £5m, but insurers
  722. give you £10m as standard.&lt;/div&gt;
  723. &lt;div class=&quot;MsoNormal&quot;&gt;
  724. &lt;br /&gt;&lt;/div&gt;
  725. &lt;div class=&quot;MsoNormal&quot;&gt;
  726. The premium is calculated based on either the number of
  727. employees or your estimated wageroll (broken down between Clerical, Manual,
  728. Labour Only Sub Contractors and Work Away etc.).&lt;/div&gt;
  729. &lt;div class=&quot;MsoNormal&quot;&gt;
  730. &lt;br /&gt;&lt;/div&gt;
  731. &lt;div class=&quot;MsoNormal&quot;&gt;
  732. The cover is in place to protect your Employees should they
  733. suffer an injury and/or financial loss as a result of the Employers negligence.&lt;/div&gt;
  734. &lt;div class=&quot;MsoNormal&quot;&gt;
  735. &lt;br /&gt;&lt;/div&gt;
  736. &lt;div class=&quot;MsoNormal&quot;&gt;
  737. &lt;b&gt;Public Liability (PL)&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  738. &lt;div class=&quot;MsoNormal&quot;&gt;
  739. &lt;br /&gt;&lt;/div&gt;
  740. &lt;div class=&quot;MsoNormal&quot;&gt;
  741. This protects your company in the event that you damage
  742. someone else’s property or cause a third party (ie. not an employee) bodily
  743. injury.&lt;/div&gt;
  744. &lt;div class=&quot;MsoNormal&quot;&gt;
  745. &lt;br /&gt;&lt;/div&gt;
  746. &lt;div class=&quot;MsoNormal&quot;&gt;
  747. The most common limits of cover are £1m, £2m or £5m –
  748. sometimes this limit can be governed by where you are working. ie. If you are a
  749. tradesmen carrying out general maintenance on a hotel, that hotel may insist on
  750. you having a £5m limit in line with their own.&lt;/div&gt;
  751. &lt;div class=&quot;MsoNormal&quot;&gt;
  752. &lt;br /&gt;&lt;/div&gt;
  753. &lt;div class=&quot;MsoNormal&quot;&gt;
  754. Public Liability is the absolute bare minimum cover that
  755. anyone in business should carry!&lt;/div&gt;
  756. &lt;div class=&quot;MsoNormal&quot;&gt;
  757. &lt;br /&gt;&lt;/div&gt;
  758. &lt;div class=&quot;MsoNormal&quot;&gt;
  759. &lt;b&gt;Commercial Legal
  760. Expenses&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  761. &lt;div class=&quot;MsoNormal&quot;&gt;
  762. &lt;br /&gt;&lt;/div&gt;
  763. &lt;div class=&quot;MsoNormal&quot;&gt;
  764. Historically sold as an add-on, but now more and more
  765. insurers are including the cover as standard. Amongst other things, this
  766. section provides you with cover to recoup the costs of any tax investigations.&lt;/div&gt;
  767. &lt;div class=&quot;MsoNormal&quot;&gt;
  768. &lt;br /&gt;&lt;/div&gt;
  769. &lt;div class=&quot;MsoNormal&quot;&gt;
  770. Arguably one of the most useful facets of the cover is the
  771. Employment Disputes cover. This means that should you have to let an employee
  772. go in slightly contentious circumstances ie. you suspect they have their hand
  773. in the till, you can call the legal helpline number and the “Legal Eagles” will
  774. advise you on how to deal with the employee in question and as long as you
  775. follow their advice with regards to correspondence etc. should the claim reach
  776. tribunal stage, the insurer will cover your costs and expenses (up to a certain
  777. limit, which is usually £50k or £100k per claim)! As a sidebar and blatant plug
  778. for our own in-house product, if you wanted to purchase Legal Expenses cover
  779. separately, our premiums start from just &lt;b&gt;&lt;u&gt;£29.68&lt;/u&gt;&lt;/b&gt;
  780. incl. Insurance Premium Tax.&lt;/div&gt;
  781. &lt;div class=&quot;MsoNormal&quot;&gt;
  782. &lt;br /&gt;&lt;/div&gt;
  783. &lt;b&gt;&lt;span style=&quot;font-size: 12pt;&quot;&gt;&lt;br clear=&quot;all&quot; style=&quot;page-break-before: always;&quot; /&gt;
  784. &lt;/span&gt;&lt;/b&gt;
  785.  
  786. &lt;div class=&quot;MsoNormal&quot;&gt;
  787. &lt;b&gt;Insurance Premium Tax&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/div&gt;
  788. &lt;div class=&quot;MsoNormal&quot;&gt;
  789. &lt;br /&gt;&lt;/div&gt;
  790. &lt;div class=&quot;MsoNormal&quot;&gt;
  791. Payable on 99.99% of policies (some Marine Cargo policies
  792. are exempt) and currently charged at &lt;u&gt;6%&lt;/u&gt;. This goes straight into the
  793. pocket of Mr Osborne and Co, but if we had our way we’d refund it back to you
  794. lovely people!&lt;/div&gt;
  795. &lt;div class=&quot;MsoNormal&quot;&gt;
  796. &lt;br /&gt;&lt;/div&gt;
  797. &lt;div class=&quot;MsoNormal&quot;&gt;
  798. &lt;br /&gt;&lt;/div&gt;
  799. &lt;div class=&quot;MsoNormal&quot;&gt;
  800. So, there you go a very brief whistle-stop tour of a
  801. Commercial Combined policy. If you would like to discuss this or any other
  802. insurance-related matter further, please do not hesitate to contact us!&amp;nbsp;&lt;/div&gt;
  803. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/1470535608129041828/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2013/01/breaking-down-combined-policy.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/1470535608129041828'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/1470535608129041828'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2013/01/breaking-down-combined-policy.html' title='Breaking down a Combined policy...'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-20693367584296190.post-1863176786593179284</id><published>2013-01-07T09:17:00.000-08:00</published><updated>2013-01-07T09:17:15.036-08:00</updated><title type='text'>The Broker&#39;s Role</title><content type='html'>&lt;br /&gt;
  804. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  805. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;The Insurance Broker&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  806. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  807. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  808. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  809. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;There are a few myths out there about what we do and whether or not the consumer is better off “cutting out the middle man” and so forth. This is quite hard to respond to within a Facebook update or with only 140 characters&amp;nbsp;at our disposal so we’ve taken the plunge and started a blog to try and dispel a few of these myths, as well as tell you a little bit more about what we do...&lt;/span&gt;&lt;/div&gt;
  810. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  811. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  812. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  813. &lt;b&gt;&lt;a href=&quot;http://www.simpsonparsons.co.uk/&quot; target=&quot;_blank&quot;&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Simpson &amp;amp; Parsons Insurance Consultants Ltd&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/a&gt;&lt;/b&gt;&lt;/div&gt;
  814. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  815. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  816. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  817. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;That’s us. We are now as we always have been: an&amp;nbsp;&lt;u&gt;independent&lt;/u&gt;, family-owned business based in the heart of the&amp;nbsp;&lt;st1:place w:st=&quot;on&quot;&gt;Lake District&lt;/st1:place&gt;&amp;nbsp;and later in 2013 we are looking forward to celebrating 30 years of trading!&lt;/span&gt;&lt;/div&gt;
  818. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  819. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  820. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  821. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Why mention our independence? We are not owned by an insurer or aligned to any broker networks, which means that&amp;nbsp;any recommendation provided by us has been selected from one of a large panel of Insurers as opposed to&amp;nbsp;approaching only a select&amp;nbsp;number of&amp;nbsp;&quot;preferred&quot; partners.&lt;/span&gt;&lt;/div&gt;
  822. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  823. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  824. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  825. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;We simply recommend the insurer who we feel has best met&amp;nbsp;&lt;i&gt;your&lt;/i&gt;&amp;nbsp;requirements, as price is a primary factor for most people, the insurer we recommend will usually also be the most competitive.&lt;/span&gt;&lt;/div&gt;
  826. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  827. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  828. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  829. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;We&amp;nbsp;recommend the best option&amp;nbsp;&lt;u&gt;for you&lt;/u&gt;, not us.&lt;/span&gt;&lt;/div&gt;
  830. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  831. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  832. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  833. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;What sort of insurance do&amp;nbsp;&lt;i&gt;we&lt;/i&gt;&amp;nbsp;sell?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  834. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  835. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  836. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  837. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;a href=&quot;http://www.simpsonparsons.co.uk/&quot; target=&quot;_blank&quot;&gt;Simpson &amp;amp; Parsons&lt;/a&gt;&amp;nbsp;are split into three departments:-&lt;/span&gt;&lt;/div&gt;
  838. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  839. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  840. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  841. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;a href=&quot;http://www.simpsonparsons.co.uk/insurances.asp?nav=2&quot; target=&quot;_blank&quot;&gt;Personal Department&lt;/a&gt;&amp;nbsp;– Home, Motor (including Motor Fleet) and Travel policies&lt;/span&gt;&lt;/div&gt;
  842. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  843. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;a href=&quot;http://www.simpsonparsons.co.uk/insurances.asp?nav=1&quot; target=&quot;_blank&quot;&gt;Hospitality&lt;/a&gt;&amp;nbsp;– Hotel, Pub, Guest House, Café, Restaurant etc policies&lt;/span&gt;&lt;/div&gt;
  844. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  845. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;a href=&quot;http://www.simpsonparsons.co.uk/commercial.asp&quot; target=&quot;_blank&quot;&gt;Commercial&amp;nbsp;&lt;/a&gt;– All other business types not specified above.&lt;/span&gt;&lt;/div&gt;
  846. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  847. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  848. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  849. &lt;br /&gt;
  850. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;We also work closely with one of the most successful national Financial Advice Organisations (&lt;a href=&quot;http://www.torquilclark.com/&quot; target=&quot;_blank&quot;&gt;Torquil Clark&lt;/a&gt;) whom will gladly discuss any Life Insurance, Pension, Investment or Inheritance Tax Planning issue that you may face.&lt;/span&gt;&lt;/div&gt;
  851. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  852. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  853. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  854. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;So, why should I use a broker when I can buy direct online?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  855. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  856. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  857. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  858. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;It’s a fair question when there are so many options available to the consumer and where using a broker can be perceived as time consuming or more expensive than simply doing it yourself.&lt;/span&gt;&lt;/div&gt;
  859. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  860. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  861. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  862. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;With regards to economy of time, there’s not much difference between sitting at a monitor whilst pecking away at a keyboard than phoning us with your information and letting us do the pecking! Furthermore, we are based on&amp;nbsp;&lt;st1:street w:st=&quot;on&quot;&gt;&lt;st1:address w:st=&quot;on&quot;&gt;&lt;a href=&quot;http://www.simpsonparsons.co.uk/contact.asp&quot; target=&quot;_blank&quot;&gt;Windermere High Street&lt;/a&gt;&lt;/st1:address&gt;&lt;/st1:street&gt;&amp;nbsp;and welcome any enquiries in person from clients (both new and old) to those who just have a query they want to run by us.&lt;/span&gt;&lt;/div&gt;
  863. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  864. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  865. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  866. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;We are not just here to set up your policy. We are here to administer any changes you may have throughout the term of the policy (known in the trade as Mid Term Alterations or MTA’s) and perhaps most importantly, in the event of a claim we are there to provide a helping hand and to guide you through what can be a very complicated process.&lt;/span&gt;&lt;/div&gt;
  867. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  868. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  869. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  870. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;However, as a friendly,&amp;nbsp;&lt;a href=&quot;http://www.simpsonparsons.co.uk/contact.asp&quot; target=&quot;_blank&quot;&gt;neighbourhood&lt;/a&gt;&amp;nbsp;Insurance Broker you are able to visit the office and discuss any problems or queries you may have&amp;nbsp;&lt;u&gt;in person&lt;/u&gt;.&lt;/span&gt;&lt;/div&gt;
  871. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  872. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  873. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  874. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Looking at the expense of a policy, we are currently running a promotion whereby we will price match any Private Car Insurance quotation obtained from the internet. As ever with this kind of promotion, there are certain terms, conditions &amp;amp; caveats,&amp;nbsp;but we are able to cater for the majority of local clients!&lt;/span&gt;&lt;/div&gt;
  875. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  876. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  877. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  878. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Don’t forget that the&amp;nbsp;&lt;u&gt;real&lt;/u&gt;&amp;nbsp;value of any policy is to be found in the quality of cover provided and not how cheap you were able to get it for.&lt;/span&gt;&lt;/div&gt;
  879. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  880. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  881. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  882. &lt;b&gt;&lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;So, why use a broker (in particular Simpson &amp;amp; Parsons)?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
  883. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  884. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  885. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  886. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;We find the policy best suited to&amp;nbsp;&lt;u&gt;you&lt;/u&gt;&amp;nbsp;at a competitive premium and are there to support and guide you should you suffer a loss. It really is that simple.&lt;/span&gt;&lt;/div&gt;
  887. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  888. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  889. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  890. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;If you would like a quotation or simply a free, no-obligation review of your Insurance (Personal or Business), please contact the office on 015394 47387 and speak to any of the department managers (or click the link to email):-&lt;/span&gt;&lt;/div&gt;
  891. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  892. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  893. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  894. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Personal –&amp;nbsp;&lt;a href=&quot;mailto:luke@simpsonparsons.co.uk&quot; target=&quot;_blank&quot;&gt;Luke Thompson&lt;/a&gt;&lt;/span&gt;&lt;/div&gt;
  895. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  896. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Hospitality –&amp;nbsp;&lt;a href=&quot;mailto:linsey@simpsonparsons.co.uk&quot; target=&quot;_blank&quot;&gt;Linsey Mitchell&lt;/a&gt;&lt;/span&gt;&lt;/div&gt;
  897. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  898. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Commercial –&amp;nbsp;&lt;a href=&quot;mailto:duncan@simpsonparsons.co.uk&quot; target=&quot;_blank&quot;&gt;Duncan Cramphorn&lt;/a&gt;&lt;/span&gt;&lt;/div&gt;
  899. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  900. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  901. &lt;div class=&quot;MsoNormal&quot; style=&quot;margin: 0cm 0cm 0pt;&quot;&gt;
  902. &lt;span style=&quot;font-family: Verdana, sans-serif;&quot;&gt;Thanks for reading!&lt;/span&gt;&lt;/div&gt;
  903. </content><link rel='replies' type='application/atom+xml' href='http://simpsonparsons.blogspot.com/feeds/1863176786593179284/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://simpsonparsons.blogspot.com/2013/01/the-brokers-role.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/1863176786593179284'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/20693367584296190/posts/default/1863176786593179284'/><link rel='alternate' type='text/html' href='http://simpsonparsons.blogspot.com/2013/01/the-brokers-role.html' title='The Broker&#39;s Role'/><author><name>Simpson and Parsons</name><uri>http://www.blogger.com/profile/02086803060395393582</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='31' height='11' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1qW9dbwZ1FPUKYQ_hc7xHhi6SQDZV_AyBDmOx7GHLt3zosqT9kTCGLmngdCbIRgBRZzn-p2KgmvAt4CowXmjC1BbJMKM4ejxEP8QBg9F2T0Z8zS5rmJbFQbBX8a70QLY/s220/Logo.JPG'/></author><thr:total>0</thr:total></entry></feed>

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