Insurers

Some of the Insurers we use

Vasek Insurance
Carrolls
Sabre
Zurich logo
usure small logo
Zurich logo
Howden Logo
Victor

Your local independent Insurance Broker

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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

9 months ago

How To Avoid Ghost Broking – Part IIHow to Identify a Legitimate Insurance Broker• Legitimate insurance brokers will be regulated by the Financial Conduct Authority (FCA) – the body responsible for ensuring customers receive fair treatment from financial services companies. The FCA’s code of conduct also means they’re less likely to treat customers unfairly, and if you feel you’ve been mistreated, you can (and should) make an official complaint to the Financial Ombudsman – a free and easy-to-use service that settles complaints between consumers and businesses that provide financial services. • If an insurer is regulated, they’ll have an FCA number which will typically be displayed prominently across their websites. Ours is 751221 – it’s at the bottom of every page. With this number, you can search the FCA’s register to check if the company is a legitimate one you can trust. (If it isn’t FCA-listed, don’t pursue the purchase.)• It’s also worth checking the Motor Insurance Database (MID) once you’ve bought a policy, using askMID, because any valid insurance policy will be listed on there. It might take some time to come through though – especially if you’ve just bought temporary insurance – so don’t worry if your policy hasn’t immediately shown up on the MID. As long as you keep hold of your policy documents, you’ll be fine.• We know how important it is for our customers to purchase an insurance policy with confidence. Whether that cover lasts for one hour or 28 days – we can guarantee you’ll be driving off fully insured and positive you won’t be facing any nasty surprises down the line. We’ve even been recognised for our work in the sector, winning The Insurance Times Awards prestigious Personal Lines Broker of the Year for 2023 most recently. What Happens if You Fall For a Ghost Broking Insurance Scam?• As it stands, there’s no legal distinction between a victim of insurance fraud and someone deliberately breaking insurance laws. If you’re caught driving without insurance, the police could give you a fixed penalty of £300.00 and 6 penalty points – which is likely to make your insurance even more expensive in the future. If the case then goes to court you could receive an unlimited fine and/or be disqualified from driving entirely. • The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured. There’s actually been a significant year on year rise in the number of vehicles being seized – or impounded – in the UK, with approximately 197,000 cars being seized in the past year alone. There’s likely a partial correlation between this rise and the growing prevalence of ghost broking scams, with more and more motorists having to face the consequences of driving without insurance. • If you’ve been targeted by a ghost broker and your car’s subsequently been impounded by the police, you’ll need to explore your options to get back on the road. Luckily, there’s such a thing as impound release insurance, to get you back on four wheels in no time, via a legitimate insurance broker. • It’s also imperative to report the ghost broker to the police. To stop them being able to target other people, give the police all the details you possibly can about the person who sold you the fake policy. You might also want to report to Action Fraud – the National Fraud & Cyber Crime Reporting Centre – as they’ll be able to pass information about the scam to insurers, and try to prevent any further ghost broking. • It’s really easy to fall foul of ghost broking fraudsters, and customers who’ve been scammed shouldn’t feel embarrassed. Just remember, if in doubt – check the FCA and MID, and ensure any future purchases you make are through legitimate, trustworthy brokers. Discover our award-winning temporary car insurance today. (Information courtesy of www.goshorty.co.uk)Do you need Short Term Insurance for an hour/day/week, we can now offer this via this self-service link - goshorty.co.uk/?goidst=BlackRockInsuranceIf you need a quote, please give one of our experienced team members 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

9 months ago

How To Avoid Ghost Broking – Part IThere’s been a concerning rise in the amount of ghost broking happening on social media platforms – particularly Instagram and TikTok – where there are countless scams targeting unsuspecting consumers with too-good-to-be-true insurance premiums. Similar schemes have been popping up on money-saving forums and student websites, too. For those looking to save money and avoid annual insurance costs, we would always recommend temporary car insurance as the best option, if you don’t use your car often. But what is ghost broking, and how can you avoid this increasingly common car insurance scam?What is Ghost Broking?Ghost broking is where people fraudulently pretend to be insurance brokers and offer to arrange insurance for drivers, in exchange for money. In actual fact, all they’re doing is plagiarising documents from real brokers and fabricating other paperwork to imitate authentic car insurance policies. Because this paperwork is often copied from genuine brokers, it can appear legitimate to those who’ve been targeted – making it particularly difficult to distinguish the scam. As ghost brokers tend to target people who don’t know how insurance works in the UK, younger drivers (especially students) and people who don’t speak a great deal of English often fall victim to this scam. It is illegal to drive in the UK without valid insurance, so if you end up driving around with plagiarised insurance from a Ghost broker, you could land yourself in hot water.How is Ghost Broking Happening?• Ghost brokers operate in a number of ways. They might use their own valid insurance documents, but change the dates and names so it looks like it belongs to you – in reality, there’s no policy in your name at all. Another tactic they use is to buy a legitimate policy, but cancel it and pocket the refund – either way, you’ll be driving around uninsured.• Many people are falling for ghost broking scams, due to the deals they offer, but the lower-than-average prices are down to the use of fraudulent information. When purchasing a policy on your behalf, ghost brokers enter false information to make the costs cheaper. For instance, a young driver who only passed their test a few months ago could expect to pay a much higher premium than someone who’s been driving for many years. A ghost broker would lie about your age and other details (like your address, your car, your job), to bring down the cost, without your knowledge. In these cases, although a legitimate policy has been purchased, the inaccurate information used to get a lower price completely invalidates the policy. • When insurers discover fake policies, they typically cancel or void the insurance – and a history of voided policies will likely affect your ability to secure legitimate insurance in the future.• Driving without insurance means risking a whole host of serious penalties, including having your car impounded. This is why it’s absolutely crucial to know you’re purchasing insurance with a legitimate broker, and avoid any ghost broking scams.(Information courtesy of www.goshorty.co.uk)Do you need Short Term Insurance for an hour/day/week, we can now offer this via this self-service link - goshorty.co.uk/?goidst=BlackRockInsuranceIf you need a quote, please give one of our experienced team members 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

9 months ago

Here’s everything you need to know to treat and prevent dampPart 3 - How to prevent dampPrevention of damp is often more effective than the cure. Understanding how to prevent damp can help you to maintain a fresh living space and also avoid the cost of repairing issues caused by excess moisture.• Monitor your roof to reduce the risk of cracked and loose tiles causing significant damp problems• Clean your gutters regularly so they won’t crack and overflow, which could let water into your home• Maintain a steady temperature in your home to avoid condensation to thrive• Use extractor fans, air bricks, window vents and roof ventilation to improve ventilation of your home• DIY with moisture-resistant paint and help prevent the problem returning• Invest in a dehumidifier to help improve the air quality in your home and reduce the risk of dampWhen should you call a professional?You should be able to remedy most minor damp issues yourself by simply improving the ventilation of your home or reducing the moisture in the air. But sometimes, the type or severity of damp in your home may call for professional treatment.• If you notice a damp patch growing gradually, there may be a problem with your plumbing• For penetrating or rising damp, you might need to call in some professional help – this might include roof repairs or the installation of damp-roofing(Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced team members 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

9 months ago

Here’s everything you need to know to treat and prevent dampPart 2 - Main causes of damp and how to treat themMost cases of damp in homes are caused by poor ventilation or plumbing leaks.1. Poor ventilation - Condensation on windows and other cold surfaces inside your home means you may have a problem with ventilation. Low ventilation may also be an issue if it feels cool or damp inside your home or a certain room.How to cure damp caused by poor ventilation• Reduce condensation• Repair and prevent any existing moisture damage• Keep your home ventilated by opening windows regularly2. Leaking plumbing - If your plumbing starts to leak, you might notice damp forming on the walls inside your home. As the leak continues, the damp patch will spread. Damp caused by leaking pipes will usually start to form a wet patch on external walls and in the corners of a room. You’re most likely to spot it on a ceiling or beneath sinks and radiators.How to cure damp caused by leaking plumbing• Repair the damaged pipes to prevent it getting worse• Ventilate your home to help dry out the room• Call in the professionals for proper damp treatment if the damage is severeNot all damp is the same. Different types will affect your home in different ways. Usually, if you catch a damp problem early enough, you should be able to repair the damage quickly and keep the costs down.Wait for part 3 to find out more ways to prevent damp!(Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced team members 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

9 months ago

Here’s everything you need to know to treat and prevent dampPart 1 - Types of damp1. CondensationGenerally caused by moist, warm air settling on cold walls and indoor surfaces, condensation is common in kitchens and bathrooms. Whenever you wash, cook, dry laundry or even breathe inside your home, moisture is released into the air.Symptoms• Water droplets on walls and other surfaces• Dark mould forming, especially around windows• Unpleasant smell2. Rising dampMost common in older homes that don’t have proper damp-proofing, rising damp is usually caused by ground water moving up through a wall or floor.Symptoms• Cold, wet surfaces and mould growing in the external corners of your ground floor• Peeling paint and wallpaper• Wet patches on walls• Damaged and decaying skirting boards• Sometimes a strong, musty smell3. Penetrating dampLeaking roofs, gutters or damaged mortar and rendering on external walls can often lead to penetrating damp. Early signs include the sudden appearance of a brown damp patch, most commonly around chimney breasts or in the upper corners and ceilings of a room.Symptoms• Damp, brown stains on ceilings or wallsWait for part 2 to find out How to prevent damp!(Information courtesy of www.lvbroker.co.uk)If you need a quote, please give one of our experienced team members a call on 01983 760377 or 01424 775935.#insurance #insurancebroker #broker ... See MoreSee Less

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Some of the Insurers we use

Notes

Travel Insurance

Christmas Closing