Claims

If you are unlucky enough to suffer a claim whilst our offices are closed, we recommend that in the first instance you call the insurers claim number which is normally listed either on your policy schedule or in your policy wording booklet. If you cannont find this, the link below provides a list of the most common claim line numbers.

CLAIM LINE NO’S 2019

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IOW Branch: 01983 760377

Battle Branch: 01424 775953

Notes

Travel Insurance

We are now offering Travel Insurance again. Emma in our Battle office is now our travel specialist. 01424 775953
Christmas Closing

We will be closed for the Christmas period from 12.30pm on Friday 22nd December and re-opening on Tuesday 2nd January 2024 at 9am.

We will be checking our answerphone and emails over the closed period.

If you need to make a claim, please refer to the claim numbers in your policy booklets.

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Black Rock Express Insurance and Financial Services Limited

5 hours ago

Dreaming of a green(er) Christmas?Can wrapping paper be recycled? Most wrapping paper can be recycled, but don’t forget Sellotape and some coated papers can’t. So, if you can, it’s best to get rid of the plastic altogether by choosing recyclable paper and use festively coloured string to tie it together. As for ribbons, gift tags and bags, look for those made of natural materials or make your own with sprigs of holly. Consider using fabric or brown paper to gift-wrap presents and avoid non-recyclable materials like glitter and foil. Plus, brown paper and string aren’t Christmas specific - they can be used for birthdays and other occasions, so any leftover paper can still be used. Oh, Christmas tree oh Christmas tree When picking your perfect pine, opt for a real tree rather than a fake one, if you can. Most local authorities offer collection services for real trees which they shred and use on gardens and parks. So, buying a real tree isn’t as bad as you might think, it just needs to come from a sustainable source and be disposed of properly in January. How can Christmas be plastic free? Terrible jokes and paper hats are a must on Christmas Day, but do you really need another fake moustache and fortune fish? The plastic toys that pop out of crackers often – understandably – end up lost or in the bin. If you’re looking to reduce your plastic waste but still want a little surprise in your festive crackers, you could make your own. Fill them with chocolate, sweets or handmade gifts. For the less creative, you can now buy cardboard crackers that don’t contain plastic toys, or fabric reusable crackers which you can fill with your own treats every year.Reduce, Reuse, Recycle Glass jars, bottles, boxes, gift bags, decorations – the list of items you can reuse is almost as long as your wish list. Consider following the three R’s this festive period – reduce, reuse and recycle. Find new life for old jars in the kitchen, keep hold of decorations for next year and recycle any old boxes and cards – just remember to remove any Sellotape and ribbons. Top tip: use LED lights in your decorations rather than incandescent ones, they’re more environmentally friendly and will last longer. Just remember when you’re decorating your tree not to have too many appliances plugged into one socket and avoid any trailing wires. (Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced brokers a call on 01983 760377 or 01424 775935.#insurance #insurancebroker #broker ... See MoreSee Less

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Black Rock Express Insurance and Financial Services Limited

2 days ago

Windscreen maintenance tipsIt’s getting frosty, here’s how to keep your windscreen in good condition. Your windscreen needs some extra TLC in the colder months – and looking after it may save you money in the long run. How to de-ice your windscreen -Use a proper ice scraper or de-icer spray. -Count to ten after spraying de-icer to let the chemicals get to work. -Remove the melting ice with your scraper. -Wait for the windscreen to clear before setting off. How to maintain your windscreen wipers -Check your wipers regularly to make sure they’re in good condition (rubber should be soft and flexible). -Clear away any bits of plants trapped under the blades and look out for small pebbles. -Lift your wiper blades up if it’s likely there’ll be frost in the morning (cold weather can crack the rubber). -If your windscreen wipers smear when you turn them on, consider replacing them as soon as possible. -Protecting your windscreen wipers prevents damaging your windscreen glass. Deal with chipped or cracked windscreens quickly -Large scratches or chips (anything over 40mm - or 10mm if it’s in the driver’s direct line of vision) could mean your car fails its next MOT. -Check your windscreen for chips or cracks regularly. Every time you clean your car, give your windscreen the once over, inside and out. If you do spot a chip, get it repaired sooner rather than later. Time is of the essence when it comes to windscreens - repairing means less time, money and environmental impact compared to replacing. Did you know driving with a windscreen chip or crack could be an offence under the Road Traffic Act? Large scratches or chips (anything over 40mm - or 10mm if it’s in the driver’s direct line of vision) could also mean your car fails its next MOT. (Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced brokers a call on 01983 760377 or 01424 775935.#insurance #insurancebroker #broker ... See MoreSee Less

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Black Rock Express Insurance and Financial Services Limited

5 days ago

Is your car winter ready? Winter maintenance checklist Check your battery - Did you know the cold weather can put extra strain on your car’s battery? It’s a good idea to have it checked properly before winter sets in. Top up anti-freeze - You need a 50-50 mix of anti-freeze and water, which is added to the water in the engine’s cooling system. Too little and you risk the water in the cooling system freezing, which can lead to costly repairs. Check tyre tread and pressure - Your tyres can take a battering in winter from potholes, cold temperatures and wet road surfaces, so it’s important to check their pressure and tread. Check windscreen and wipers - Check your windscreen for any chips. The cold weather can cause them to get bigger and crack, so get it fixed as soon as you spot one. If your windscreen wipers squeak or don’t move easily, it’s worth getting them replaced ahead of winter when you’ll need them more. Clean and check lights - As it starts to get darker, you’re likely to use your lights more so check them regularly. It’s also important to keep them clean so your vehicle can be spotted easily. Check breaks and keep them oiled - It’s a good idea to have your breaks professionally checked ahead of winter. Early warning signs include squeaking and grinding sounds as you break, or feeling less responsive. You can check oil levels yourself using a dipstick. It’s recommended you do this regularly but it’s good to do it before a cold snap to prevent a winter break-down. Prepare a winter emergency kit A well-prepared kit should include: • A shovel • A warming triangle, ideally two • Jump leads • Warm clothing including gloves and blankets • Practical boots like wellies • A high-vis vest • A torch with batteries • A portable phone charger(Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced brokers a call on 01983 760377 or 01424 775935.#insurance #insurancebroker #broker ... See MoreSee Less

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Black Rock Express Insurance and Financial Services Limited

1 week ago

Is your home winter ready?Let’s get ahead of the weather - prevention is key when it comes to taking care of your home this winterOutside - In your garden, driveway and around your home’s exterior, there are a few actions you can take to prevent snow, ice and rain damage. -Trim back overgrown branches: Dead branches and foliage from hedges can fall into and clog gutters. Snow can also build up on them, causing branches to snap, fall and damage anything below. -Clear gutters and drains regularly: Blockages in gutters and drains can lead to water backing up. It can start to run down the walls of your house and leak through the roof. If it freezes, the added weight can put a strain on plastic guttering and drainpipes, causing them to break. -Check and fix the roof: Make sure any aerials and satellites are secured, especially when strong winds are forecast. Assess and replace cracked or missing roof tiles. Again, water can leak through and freeze in cracks, possibly causing more damage.Inside - Once you’ve ticked everything off the outside list, there are a few key things to focus on inside. -Weatherproof against any draughts: Check for any gaps around windows and doors that are letting in air and causing draughts. Seal them up with weather-stripping or caulk. -Consider double-glazing if it’s not already in place. Insulate your walls and loft: Cavity wall insulation can keep your home warmer and cheaper to heat in winter. Around one third of all heat escapes through walls, so check if your home’s walls are insulated. -Check the fireplace: If you have a working fireplace, arrange an inspection to make sure it’s not blocked and is fully functioning. Otherwise, this can cause draughts, while debris can create a fire hazard.Reminder - Don’t attempt anything that could cause injury; always seek professional help with tasks you don’t feel fully confident or safe completing on your own. (Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced brokers a call on 01983 760377 or 01424 775935.#insurance #insurancebroker #broker ... See MoreSee Less

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Black Rock Express Insurance and Financial Services Limited

1 week ago

We understand winter can be a pricey time of year. But there are a few simple things you can do around the home to help reduce those costs.1. Insulate with tinfoil - Feeling the chill? Putting aluminium foil behind your radiators could help keep heat in your home. Although this may seem a little far-fetched, the idea is simple – using reflective foil behind your radiator will bounce heat back into the room, rather than letting it out through the walls. Bear in mind this is only effective behind radiators on external walls, not internal. The benefits are, of course, a warmer, more comfortable home and less energy wastage. You can buy specialist foil from hardware shops or online in rolls or sheets, this can then be cut to size.2. Take tech off stand-by - It’s an age-old question, does switching off appliances and devices in our homes when they’re not in use, save on your household energy use? The short answer is, yes. We’d advise everyday appliances like fridges and freezers remain switched on at all times. However, items like TV’s, smart speakers and game consoles can use up energy even when turned off, unless unplugged at the wall (a type of energy use known as a ‘Phantom Load.’)3. Draught proof your home - It costs money to heat your home so it’s important to do as much as you can to keep the warmth in. Draught-proof windows and doors with self-adhesive strips or caulk. Consider double-glazing if it’s not already in place, or replacing an old door with a new one, depending on how bad the problem is.4. Take control of your heating - Whilst it may sound basic, turning down your main thermostat by just one degree could save you money on your energy bills. Most families set their thermostat between 18˚C and 21˚C, and whilst we all have that preferred temperature, you’re likely not to notice a 1-degree difference. So why not give it a try?5. Prevent frozen or burst pipes - During winter, the pipes in your home may be at risk of freezing and bursting. Not only can this leave you with a cold house and no water in the worst of weather, but there’s also the not-so-fun clean-up operation and costly repairs. One of the most important maintenance tips for winter is to protect against this – mainly through good home insulation, warm air circulation and maintaining a low heat setting.6. Don’t let the rain dampen things - It’s not just the cold you have to worry about but the UK wet weather we’re oh-so familiar with. Clear gutters and drains - built-up water can seep through internal walls causing damp problems, and if it freezes, the added weight could break your guttering completely. Also, check and fix your roof for loose or missing tiles to prevent water from leaking through and freezing in cracks, causing more damage.7. Don’t overfill the kettle - Time to warm up with a cuppa? Whether tea time is at 11am or 3pm,stop filling the kettle up to the brim, use your mug to measure and boil just what you need.8. Get your boiler serviced - We all know small problems can lead to big ones if unattended. Having your boiler serviced professionally ahead of winter should nip any small issues in the bud, so you won’t end up paying for expensive emergency callouts. Also, ask your engineer to check if yourboiler’s working efficiently - this will save you money in the long run.9. Spend less time in the shower - Every minute you shave off your time in the shower could save on your energy usage. Set a timer on your phone to keep you in check. Alternatively, switching toa low flow showerhead can not only help the planet, but will help you use less energy whilst showering.10. Make sure you’re protected - Last but certainly not least – make sure you’re protected. Home emergencies have a nasty habit of cropping up when you least expect it so make sure your home insurance includes home emergency cover, so you can be safe in the knowledge you’ll be covered should the unexpected happen.(Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced brokers a call on 01983 760377 or 01424 775935.#insurance #insurancebroker #broker ... See MoreSee Less

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Notes

Travel Insurance

Christmas Closing