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washing machine recall

washing machine recallWhilst many of us spent mid-December enjoying and revelling in the run up to Christmas, for Whirlpool and their customers, things were seemingly going from bad to worse.

Having already been heavily criticised for their response to a fire risk in their tumble dryers (of which they sold more than five million over an 11 year period), they announced that they were going to be recalling 500,000 of their washing machines (branded as Hotpoint or Indesit) following the discovery of a fault with the door locking system that can cause overheating and risk of fire.  The announcement left many customers facing a potentially lengthy period without a washing machine in their holiday homes.

What is the fault and is it dangerous?

Whirlpool have explained that “When the heating element in the washing machine is activated, in very rare cases a component in the door lock system can overheat, which, depending on product features, can pose a risk of fire.”

The issue is said to be found in 20% of Hotpoint and Indesit washing machines sold since 2014, which in the UK accounts for approximately 519,000 units.

In terms of danger, this fault has led to seventy-nine fires to date, although none had been significant enough to cause more than minor damage or cause any serious injuries.

What do you do if you’ve got a Hotpoint or Indesit washing machine?

If you own a washing machine that you have purchased from one of the two brands mentioned (Hotpoint and Indesit) since 2014, it’s worth checking online to see if your machine is a part of their product recall.  You can do this on the link below:

You will only need the model and serial number of your appliance – found inside the door or on the back – to see if it is one of those affected. There is also a free helpline, open every day, available on 0800 316 1442

If you find your appliance is affected, to eliminate any risk, it should be unplugged and not used until it is repaired in your home by a trained engineer.

When will you get your machine back?

If your washing machine is being recalled, you will be able to choose between two options:

  • A comparable replacement washing machine provided free-of-charge
  • A free-of-charge in-home repair of your appliance

The company have yet to be drawn on how quickly washing machines will be repaired or replaced if found to have a fault, meaning that customers could be potentially waiting for months.  They have suggested in the interim period that the machine could be continued to be used at far less risk if only used at a cold temperature of a 20c cycle, which means that the heating element wouldn’t be activated.

If the washing machine in your holiday home is affected by the recall note this in your fire risk assessment and record what action you are taking to rectify the problem. By doing so you will be demonstrating good practice and duty of care towards your guests.

For more information on specialist holiday home insurance for your cottage please give our experienced team a call on 01237 429 444 and we’ll be happy to answer any questions you have.

We all know that from time to time accidents happen; perhaps someone spills a glass of wine (hopefully not red!) or smashes a glass fresh from the dishwasher. We can accept those and understand that accidents happen to the best of us. However what if someone were to cause malicious damage to your holiday home? Whether the malicious damage is caused by a paying guest or a trespasser, you’ll be faced with making repairs before your next guests arrive.

Do you know where you stand and what you need to do when it comes to your insurance?

What is malicious damage?

In the insurance industry, the term ‘malicious damage’ generally refers to any damage caused to your property on purpose.  There is a clear distinction between this and ‘accidental damage’, in that the damage caused has to be proven as being deliberate, rather than just an accident (for example spilling wine after tripping or smashing a glass that slipped through the hands).

Check your holiday home insurance policy

As specialists in holiday home insurance, our aim is to always give our policy holders the right cover so that should something happen, you know you’re not going to be left significantly out of pocket.

Malicious damage is covered under our policy as standard but is not by all policies on the market, so if you’re not currently insured with us, it’s worth checking your own documents.

The financial implications of your holiday letting property suffering malicious damage can be far reaching. In addition to repairing the material damage to your buildings and / or contents you may also suffer loss of rental income.

What do you do if you think someone has deliberately damaged your property?

Step 1

The first step to take would be to contact the police as soon as reasonably possible so the incident can be investigated. Take photos of the damage as this will assist your insurers with your claim. You also need to let your insurer know about the incident at this point by reporting the claim. If the damage is significant your insurers will appoint a loss adjuster to help settle your claim and appoint contractors to make repairs.

Step 2

Once your insurer is aware of the incident, it’s important that you forward them all communication and documentation surrounding it as soon as it comes through (including any knowledge of any impending prosecution or enquiry in connection with the event), as well providing them with any further information they request in order to process your claim.

The importance of being proactive

Although we’ve outlined the initial steps to take if you feel that your property has been damaged on purpose, it’s worth reiterating that before ever needing to take these steps, you should make sure you understand your insurance policy and what is covered within it.

If you haven’t already, search your policy document for the term ‘malicious’ to ensure you know what’s covered and what isn’t before you need to rely on it.

For more information on specialist insurance cover for your holiday home please give our experienced team a call on 01237 429444.

*This blog post is only intended as an introduction to malicious damage cover.  Please always refer to your insurance policy to gain a full understanding of your current level of cover.

Christmas holiday home interior

Boshers Christmas Opening Hours   

The team at Boshers would like to wish all our insurance customers, suppliers and business partners a very Merry Christmas and a Happy New Year. You’ll find Boshers Christmas Opening Hours below, together with information on how to report a claim when we are closed.

2020

Christmas holiday home interiorMon 21st Dec – 0830 – 1700
Tue 22nd Dec – 0830 – 1700
Wed 23rd Dec – 0830 – 1700
Christmas Eve – Closed 
Christmas Day – Closed
Boxing Day – Closed
Sun 27th Dec – Closed
Mon 28th Dec – Closed
Tue 29th Dec – 0830 – 1700
Wed 30th Dec – 0830 – 1700
New Years Eve – Closed
New Years Day – Closed     
Sat 2nd Jan – Closed
Sat 3rd Jan – Closed
Mon 4th Jan – 0830 – 1700
 
 

Claims – out of hours assistance: If you are unfortunate enough to need to inform your insurer of an incident which will or may lead to a claim over the holiday period outside of Boshers Christmas Opening Hours please check your policy document for the insurers 24 hour claims help line.

For further claims assistance and out of hours phone numbers visit:

If you are a Boshers Holiday Home Insurance client you can download a copy of your holiday home insurance policy document in downloads by clicking through to the following page: holiday home insurance

For further information on UK holiday home insurance visit the website page most relevant to you:

quality assessments
quality assessments

‘Quality’; it’s something we all strive to achieve and love to enjoy.  In no other area is this truer than in the tourism sector; an abundance of choice combined with online reviews from sites such as TripAdvisor mean that the discerning guest has never been as well informed or full of expectation. 

So how do we communicate ‘quality’ in the face of such fierce competition? Where do people now place their trust in light of so many quality and awards logos?

We take a look at some of the quality assessment schemes for holiday lets and available to holiday homeowners aiming to highlight the efforts they put in to ensuring no stone or bed sheet is left unturned.

Quality in Tourism

Quality in Tourism are a well know independent business offering a wide range of assessment schemes, one of which gauges whether holiday accommodation is ‘Safe, Clean and Legal’. 

Whilst guests may expect the properties they stay in to be safe, the emergence of second room renters or the ‘sharing economy’ has meant that this isn’t always the case; it may surprise you to know that Airbnb’s own terms and conditions state that “Airbnb has no control over and does not guarantee the existence, quality, safety suitability or legality of any listing”. 

When you take into account there’s an estimated 100,000 Airbnb listings across the UK it’s never been more important to highlight that you are safe and meeting all legal legislation for your guests.

For more information please visit:

THE AA | Visit England | Visit Wales | Visit Scotland | Discover NI

All of the national tourism bodies across the UK now access holiday accommodation to the same criteria, providing potential guests with a perfect and easy to understand and compare the quality of properties they’re considering.  Each property is awarded with a rating from one to five stars, with the number of stars reflecting the facilities and overall quality of experience provided to guests.

Just like Quality in Tourism, Visit England offer a scheme that provides guests with confirmation that your property is safe, clean and legally compliant – you can find more information on this entry level scheme here:

You can also undertake their full self-catering assessment scheme which looks not only at your compliance and safety, but also your facilities, guest experience and a whole host of other factors. You can find more information on the self-catering scheme and information on how to apply here:

If your holiday cottage is in Wales, Scotland or Northern Ireland, then you are able to apply and work through the similar assessment criteria via these links:

A trusted letting agent

Aside from the traditional quality assurance schemes, working with a trusted and experienced holiday letting agent in your area is another great way to communicate your quality self-catering accommodation.  More and more letting agents are beginning to conduct their own quality schemes and many are signing up to The Holiday Home Industry Code Of Practice, meaning they’ll only list your property once you meet all of their exacting standards. You’ll of course also benefit from their extra local knowledge and additional marketing reach too….

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444 and we’ll be happy to answer any questions you have.

bed bugs

No matter if you’re at home or on holiday, your bedroom should be a safe haven. Somewhere you can relax and recuperate after a long day at the beach, with the kids or simply going about your daily tasks.  Imagine how comfortable you’d feel if you knew that as soon as you slipped between your sheets, ready to enjoy some well-deserved shut-eye, you’d be surrounded by thousands of bugs eager to bite!

Let us introduce you to the ever-growing problem of bed bugs!

What exactly are bed bugs?

We’ve all heard of them, but contrary to their name and popular opinion, you won’t just find these little critters in your bed! They are often found in areas that people spend prolonged periods of time.  The sofa, aeroplanes and hotels or holiday homes are all potential destinations for a bed bug. 

Whilst they’re innocuous in size, the squeamish part of the bed bug comes from its diet.  They’re able to feed on the blood of any warm-blooded animal but have a particular liking for humans as we’re not quite a furry as the cats and dogs you’ll find in 44% of British homes.

When it’s time for dinner they inject the skin with their saliva in order to keep the blood from clotting, before adding anaesthetic to prevent the host from feeling the bite and moving.  All very well planned out!

The growth in bed bugs and the problems it poses

Unfortunately, there has been a massive growth in global bed bug levels since 2006, due in part to the fact that a female bug is able to lay as many as 500 eggs in a lifetime, but also because of increases in air travel and tourism which have made it easier for them to reach far flung places with relative ease.

British Airways reported problems in 2017 when passengers on a long-haul flight became infested by the bugs, with cabin crew refusing to work on the aeroplane causing a number of cancellations at the time.

Another reason we’ve experienced such a peak in numbers is also due to the use of insecticides. Continued usage within our homes has meant that they’ve been increasingly resistant to chemical treatments and we have instead created a type of ‘super bed bug’, unaffected by many more things than the original.

The sectors most effected by bed bugs

It’s not surprising that holiday homes, hotels and other tourism accommodation providers are often bearing the brunt of an increase in the population of bed bugs.  A high turnover of people throughout the year combined with many hours spent in a property can lead to something of a perfect storm for an infestation.  The key to success in term of dealing with bed bugs is early identification or even better, preventative measures. 

You can find out more about what you can do to avoid bed bugs becoming a part of your holiday home here:

The holiday home insurance implications

Some individuals have made personal injury insurance claims as the result of bed bug bites, with package holiday providers Tui and Thomas Cook both seeing a rise in claims. Although bites are usually painless, they will often cause skin irritation and inflammation, as well as severe itching, and produce an allergic reaction in some unlucky victims or children. Compensation has also been sought for associated losses, such as the enjoyment of the holiday itself which can increase the level of any claim. The best policy here is to prevent the issue before it arises by undertaking as many preventative procedures within your maintenance and cleaning policies, particularly in a time when negative online reviews can spread as quickly as those bed bugs.

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444 and we’ll be happy to answer any questions you have.

increase off-peak bookings
increase off-peak bookings

With the busy summer holiday letting season fast becoming a distant memory, now is the time to be thinking about how to increase off-peak bookings during the low season. 

As you’ll already know, the opportunities for parents to take their children out of school during term time are now limited, meaning that focus needs to be moved to other target markets where competition is becoming increasingly fierce. 

We take a look at some of the potential markets you could be attracting as the summer sun sets and Autumnal and Winter breaks begin…

Dog owners – there are 14 million dog owners in the UK

If your cottage welcomes dogs, then the great news is that a lot of us have one; 14 million in the UK to be precise! With as many as 44% of Britain’s households owning a pet, this is a market certainly worth taking advantage of to increase off-peak bookings.

If you’re wanting to attract the dog-friendly market, you’ll need to:

  1. Make sure it’s immediately obvious that you welcome dogs – you don’t want potential guests having to root around for the information as the more effort they have to put into finding it, the more likely you’ll lose the online conversion.
  2. Tell them what’s available for their pet in your cottage.  This should also include whether you have an enclosed garden and policies on leads etc.
  3. Build a dog-friendly destination for them – what there is to do in the local area with their dog? Walks they can go on, dog friendly pubs, dog friendly beaches and attractions.

When welcoming dogs to your holiday home our top tip is to ensure that your holiday home insurance is dog friendly too!

Young families with toddlers

Because school-aged children will need to take their holidays outside of term time you often find that pre-school families will look to take advantage of shoulder months when prices are lower and crowds more dispersed.  

If you’re wanting to attract the pre-school market, you’ll need to:

  1. Highlight everything you have in your cottage for their children, so they’re clear on what they need to bring and what you’ll be providing.  Car space can be at a premium so think of ways in which you can make their life easier.
  2. Tell them where can they go and what can they do with their children. They won’t want to be cooped up so giving them specific days out suitable for younger children will make your proposition stronger. If you can give personal recommendations, they’ll be more credible than just providing a standardised long list.
  3. If you’ve got additional features such as animal feeding, these can prove to be extremely popular with younger children so feature them prominently.

Walkers, hikers and cyclists

There’s nothing better than a good walk in fresh air.  Don’t just take our word for it; 42 million people take to the Wales Coast Path each year while that figure is equalled and eclipsed in the South West of England. 

If you have good cycling or walking routes near your holiday cottage you should:

  1. Include information on all routes on your website and promote them through your social media. 
  2. There should be routes for all levels and ages of walker with varying difficulties.
  3. Make sure you share the best photos and videos from your routes. Encouraging guests to do the same can gain you even more social media traction.
  4. Make use of local walking organisations and coastal paths in your marketing – some will have great video and photography you can tap into.
  5. Try to turn your walking routes into an event – where are the best places to stop for food and drink on the way? What else can they do? Create a day rather than a walk.

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444 and we’ll be happy to answer any questions you have.

registration scheme for short term lets
registration scheme for short term lets

Feeling safe is a basic human need and something we should all be able to experience in our daily lives; we should feel safe when we’re at home, when we’re in the office or when we’re on holiday wanting to relax.

As a holiday homeowner, you’ll no doubt put much of your effort into the latter; ensuring that as soon as your guests arrive at your property, they are kept safe through any number of procedures and processes including fire risk assessments, gas safety certification, public and employers’ liability insurance and electrical checks

AirBnB terms and conditions

If we contrast that with the latest AirBnB terms and conditions they indicate:

“Airbnb has no control over and does not guarantee the existence, quality, safety suitability or legality of any listing”

Where safety for guests was once a given, the rapid growth of peer-to-peer accommodation providers such as AirBnB has far exceeded our own legislative response to its emergence, leaving an ever-growing unregulated market of peer-to-peer accommodation providers welcoming paying guests into their homes with sometimes minimal or no safety processes in place.

The size of that market is ever-growing; every region in the UK now has at least 2,000 listings on the platform and in London, the number is around 64,000. This places the UK as the fifth largest geography for Airbnb globally, when calculated by number of listings.

So how do we even the playing field in order to safeguard our guests and the reputation of the UK as a place to which people can travel and rightly feel safe, no matter where they book?

All-Party Parliamentary Group (APPG) for the Tourism, Leisure and Hospitality Industry

Last year, the All-Party Parliamentary Group (APPG) for the Tourism, Leisure and Hospitality Industry issued a report on the ‘sharing economy’.  It recommended the introduction of a low-cost registration scheme for short term lets and holiday home accommodation providers, which would look to level the playing field of regulation and enforcement of those welcoming paying guests.  The scheme would in turn would create a national database and allow regulators to do their job in ensuring the safety of visitors, no matter on what platform they’d booked.

In April of this year, Mayor of London Sadiq Khan co-signed a letter to the secretary of state for housing, communities and local government that outlined “the law is near-impossible for councils to enforce” and that “the time has come for a light-touch registration system”.  The letter was also signed by AirBnB.

Hadi Moussa, General Manager for Air BnB in the UK and Northern Europe indicated “A clear and simple registration system will help authorities get the information they need to regulate our industry effectively.”

The general consensus for this potential mandatory registration scheme for short term lets to date has been that it must be either low cost or free to register in order to achieve the necessary drive for sign ups.  If it does come to fruition, then any move to ensure that guests are kept safe and the gap in regulation between holiday homeowners and those listing properties through the ‘sharing economy’ is lessened can only be a good thing. You can read more about recent calls for increased regulation for AirBnB here:

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444.

In order to ensure self-catering properties are effectively meeting quality standards, the Holiday Home Association (HHA), which is the UK’s longest serving trade association for the self-catering holiday home industry, has launched an industry code of practice aimed at raising quality standards and provide potential guests with a level of assurance when booking privately owned self-catering accommodation.

The Holiday Home Industry Code of Practice (HHICOP) is a comprehensive set of guidelines that sets out standards in health and safety, marketing, accessibility, liability insurance, data protection and complaints procedures.

HHA chief executive Martin Sach said: “The self-catering industry in the UK has changed considerably over the last few years, with a much greater increase in the availability of properties, with more and more owners and managers joining the market.

“There are also many more distribution channels through which a guest can book a property and these developments, can at times, be confusing for guests who are increasingly looking for more assurance that what they book will indeed be a professionally run and fairly represented example of what they are looking for,” he added.

The HHICOP, which can be easily downloaded from the HHA website, has no cost associated with it and is available for both members and non-members of the HHA.

For more information on the Holiday Home Industry Code of Practice, visit The HHA website here. It covers topics of interest to holiday letting owners which include:

  • Health and Safety
  • Fire Safety
  • Smoke and Carbon Monoxide Detectors
  • Electrical Safety
  • Gas Safety
  • Legionella
  • Safety of Furniture and Furnishings
  • Employers’ and Public Liability Insurance

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444.

subsidence

subsidence Having faced freezing temperatures and snow drifts in late March, the summer of 2018 couldn’t have been in greater contrast when it comes to the weather. Britain baked in record breaking temperatures amid a hot dry spell that seemed to go on for months. Large swathes of land were so parched that fires erupted across the country in places such as Manchester and Dartmoor.

But, while we all basked in sunshine, could there have been an unsuspected consequence? Are some homeowners now paying the price for this hot weather? The Association of British Insurers (ABI) has reported that during July to September 2018, subsidence claims reached a 12-year high. Claims reached the same levels experienced during a similar heatwave in 2006.

10,000 households made claims totalling £64 million. The increase potentially and partially related to the drying out of properties and foundations during the heatwave.

So what is subsidence and how do you spot the signs? Importantly, what do you need to be watching out for in your home or holiday cottage?

What is subsidence ..?

Subsidence occurs when the ground beneath a property moves, collapses or shrinks. This causes additional stress on the foundations of the building it’s supporting.

Wondering how the weather could potentially cause subsidence in a property? All ground contains water; when the ground is subject to long periods of heat that water begins to be lost, causing the ground to shrink (a little like a sponge without any water). As the ground shrinks, the foundations on which the property were built are strained and pulled in different directions, with this stress potentially leading to problems with the overall structure of the building.

How do you spot potential subsidence?

  1. The tell-tale sign of subsidence is the sudden appearance of cracks within the property
  2. These may well be more prevalent around doors and windows
  3. Any cracks will often appear thicker than a 10 pence piece
  4. Cracks will usually be diagonal in nature due to the forces being placed on the property walls; often be wider at the top than the bottom
  5. If you have wallpaper in your cottage you may find that this begins to rip or crinkle as the wall shape distorts slightly.

What to do if you’re worried about subsidence

It’s important to highlight that not every crack is as a result of subsidence – both new and older properties will move slightly over time and have only visual cracks as a result, which won’t be of any structural concern. We recommend that if you do have any concerns about subsidence in your home or holiday home you report them to your insurer. You may need to have a structural survey undertaken to ensure that everything is as it should be. A full structural survey is also advised before purchasing a home, buy-to-let or holiday home property.

To discuss how our specialist holiday home insurance could keep your cottage covered, please give our helpful team a call on 01237 429 444.

Avoiding underinsurance for holiday home owners

As holiday home insurance specialists we understand the industry and know the insurance needs and demands of letting a holiday property; that’s what comes with using a specialist. Please take a minute to read Holiday Homes – Getting your Buildings Insurance Right and give us a call if you have any questions.

We’re here to give you the peace of mind that should the worst happen you’ll be covered and supported. In order to do that we want to make sure that you have the right cover in place. One aspect of your insurance cover you should be checking is that your building sums insured are correct. It’s important that you make a Fair Presentation Of Risk which includes providing the correct sums insured.

The risks of underinsurance

The buildings sum insured is the maximum amount your insurer will pay out if you make a claim.

For this reason it’s vital to get it right and ensure it’s sufficient. It must represent the cost of rebuilding, repairing or even replacing your property should the worst happen.

If you’re underinsured you bear the risk that you may have to fund a proportion of the cost from your own pocket. This can be potentially crippling to your own finances or that of your holiday business.

The cost of rebuilding and not the value of your property

A common misconception is often that your sum insured should represent the market value of your property. For insurance purposes your sum insured should actually reflect the cost of rebuilding your property.

This can be a tricky figure for holiday home owners to calculate so please do take time to consider what that figure should be.

You’ll need to think about:

  • The building cost of reinstating your property; this can include items such as swimming pools, paths, drives, patios and other things that you might not think about such as satellite dishes or fences and hedges.
  • The cost of replacing fixtures and fittings, for example do you have built in wardrobes, specialist light fittings or bedroom furniture that would cost significant sums to replace or restore?
  • Will debris need to be removed from the site and what implication will this have on the cost of restoring your property?
  • What will the cost be of complying with EU legislation Local Authority Buildings Regulations or other statutory requirements?
  • Professional fees; to get your property back to where it was before the incident you’ll likely need to consult with engineers, architects and surveyors.  Their fees will need to be included in your calculations.

Index Linking – make sure the initial figure is correct

Your buildings sum insured is index-linked, which means that it adjusts according to inflation. This ensures your sum insured is increased in line with any changes in the cost of rebuilding your property.

Despite this index linking it of course remains vital that the sum insured was correct in the first place.

Have you made improvements? Let us know

As you make improvements to your holiday home make sure your sums insured represent the increased cost of replacement and don’t wait for your insurance renewal to make the increases.

For example, if you add a hot tub to the garden or update the interior of the property contact your insurer to let them know and make sure they’re covered from day one.

Calculating the cost of rebuilding your property 

Three methods you can use to calculate the cost of rebuilding your home, holiday home or buy-to-let property. Please use one of these to ensure you are Getting your Buildings Insurance right.

  1. ABI Rebuilding Cost Calculator

If your holiday home falls within a range of standard house types the Association of British Insurers offers a rebuilding cost calculator (http://abi.bcis.co.uk/), which will help you to assess the level of insurance you need.

This is however no substitute to instructing a professional Surveyor to prepare a Rebuilding Cost Assessment for insurance purposes. Although there is a cost for these surveys they’ll make sure you have the right level of cover.

2. Desk Top Rebuilding Cost Assessment 

Getting someone to visit your property to carry out a professional assessment can be time-consuming and expensive. However thanks to our partnership with Rebuild Cost Assessment Ltd we can offer you a reliable low-cost service; from a `Regulated by RICS (Royal Institute Of Chartered Surveyors) organisation.

You’ll receive a comprehensive Rebuild Cost Assessment (RCA) report guiding you on how much you should insure your buildings for. This is a fantastic and affordable online service which can protect you, your home, holiday home or buy-to-let property from the potentially severe consequences of under-insurance.

Rebuild Cost Assessment Prices Start from as low as £160.00.

However we have negotiated a SPECIAL DISCOUNT of £20.00 with www.RebuildCostAssessment.com on your behalf. Simply enter the code BOSHERS20 when placing an order online to get your discount. Use the appropriate link below to order your assessment and once receive please forward a copy to your insurance adviser at Boshers.

Nb. Boshers Ltd have no commercial interest in Rebuild Cost Assessment Ltd and we do not receive any financial benefit for the referrals. We have negotiated the discount as we believe this service is a cost effective way to help our clients obtain accurate costs for rebuilding their properties.

3. Instruct a RICS qualified Chartered Surveyor to visit your property and carry out a rebuilding cost survey.

To search for a chartered surveyor in your area please click here: http://www.ricsfirms.com/

What should you do now?

If you need to adjust your insurance cover once you have reviewed your sums insured please contact us. You can call our team on 01237 429444 Monday to Friday.