Insurers

Some of the Insurers we use

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

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IOW Branch: 01983 760377

Battle Branch: 01424 775953

Notes

Travel Insurance

Travel Insurance. Emma in our Battle office is our travel specialist. 01424 775953

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Black Rock Express Insurance and Financial Services Limited

6 days ago

Escape of water – how to protect your home – Part IIWater damage from plumbing, heating systems, or home appliances like washing machines can lead to insurance claims. But what exactly is covered when you file a claim?What may be coveredYou can cover your buildings and/or contents for damage caused by water escaping from or freezing in water tanks, pipes, plumbed-in home appliances (such as washing machines and dishwashers), fixed equipment or fixed heating systems. There may not be cover included automatically for damage caused by water overflowing from sinks or baths, but you may be protected if you have accidental damage cover. You’ll have to pay an excess for escape and freezing of water claims. You should check your policy document for details of your excess(es).What may not be coveredIf a leak is caused by a pipe that was damaged by wear and tear, you’ll likely be asked to pay to repair the pipe as wear and tear isn’t normally covered. However, the damage caused by the escaping water may be covered by your home insurance policy, depending on the specifics of your coverage.Depending on your insurer, you’re probably not covered if water escapes from equipment which isn’t fixed – for example, if you drop a bucket of water, although this may be covered if you have accidental damage cover.Please refer to your own home insurance documents to understand what is not covered.(Information courtesy of www.aviva.co.ukIf you need an insurance quote, please give one of our experienced members of staff 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

Escape of water – how to protect your home – Part IWater damage from plumbing, heating systems, or home appliances like washing machines can lead to insurance claims. But what exactly is covered when you file a claim?The difference between flood and escape of waterWhen people see lots of water in their house, they might assume it’s a flood – but there’s a technical difference between flooding and escape of water in insurance terms. Flooding happens when the water comes into your house from an external source, like an overflowing river or a burst water main. Escape of water happens when the water comes from inside your house.How to prevent water damageFortunately, there are effective measures to prevent or minimise water damage:• Check for cracked tiles, damaged or missing bath and shower sealant, and grout and replace them if needed• Check for any visible signs of leaks, like damp patches or brown marks on ceilings.• Don’t leave taps unattended when they’re running• Lag pipes which are vulnerable to freezing (like those in the loft).• Know where your stopcocks are, and test them so you know they’re working if you need to turn them off if there’s a leak • Get a professional to fit a leak detection device which can monitor your water use and turn off the water if it suspects a leak • If doing DIY, use a pipe detection device to check where pipes are before drilling into the wall(Information courtesy of www.aviva.co.ukIf you need an insurance quote, please give one of our experienced members of staff 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 weeks ago

Can Someone Else Drive My Car? – Part VChecklist: Letting Someone Else Drive Your CarBefore handing over your keys, always check:• They have a valid driving licence (matching the vehicle type).• They have proper insurance – ask for proof.• You trust their driving. • Your car is roadworthy (tyres, fuel, lights, etc.).• They know what to do in case of an accident or breakdown.The Best Way to Let Someone Else Drive Your CarIf someone needs short-term access to your car, temporary car insurance is the easiest and safest option. It offers:• Comprehensive cover – from as little as one hour.• No impact on your annual policy or no-claims bonus – their policy is separate from yours.• Instant cover – they can get insured in under two minutes.Letting someone else drive your car doesn’t have to be complicated—but they must be insured. Make sure they have valid cover before they drive to avoid fines, penalties, or worse.If someone needs to borrow your car, get them to take out temporary cover today for complete peace of mind. Get a quote today.(Information courtesy of www. goshorty.co.uk)Need Short-Term Insurance for just an hour, a day, or a week?We’ve got you covered with flexible, self-service options — fast, easy, and fully online. Get insured instantly via the link below:👉 goshorty.co.uk/?goidst=BlackRockInsurance#Insurance #ShortTermCover #InsuranceBroker #FlexibleInsurance #GoShorty ... See MoreSee Less

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Black Rock Express Insurance and Financial Services Limited

2 weeks ago

Can Someone Else Drive My Car? – Part IVWhat Happens If Someone Drives Your Car Without Insurance?Permitting someone to drive your car without insurance is a serious legal offence—whether you were aware of it or not. As the vehicle’s registered keeper, the responsibility falls on you.Even if the driver has comprehensive insurance on their own car, this does not automatically cover them to drive yours. Unless they have a separate policy that includes your car, they will be regarded as uninsured, and both of you could face severe penalties. If someone is caught driving your car without valid insurance, both of you could face:• A minimum fine of £300 and six penalty points.• Seizure of your vehicle by the police.• A court case with an unlimited fine and possible disqualification.• A revoked licence if the driver is a new or probationary driver.• Higher future insurance premiums—insurers will see both of you as higher-risk drivers.It’s your responsibility to ensure anyone driving your car has proper insurance. If you knowingly allow someone to drive without cover, both you and the driver will be penalised.What Happens If Someone Else Drives Your Car and They Have an Accident?If someone else drives your car without insurance in place and has an accident, you could be held responsible for:• Damage to other vehicles – even if it wasn’t your fault.• Injury to others – medical costs, compensation, and legal claims.• Repair costs for your own car – your insurer may refuse to cover the damage.If they’re insured, what happens in an accident depends on how they’re insured:• Named driver – Your no-claims bonus will be lost, and your premium will rise.• Temporary cover – Your policy stays unaffected; their temporary policy handles the claim.• Their own policy on your car – Your policy stays unaffected; claims go through theirs.(Info from www.goshorty.co.uk)Need short-term cover for an hour, day, or week?Get instant cover here:👉 goshorty.co.uk/?goidst=BlackRockInsurance#Insurance #ShortTermCover #InsuranceBroker #FlexibleInsurance #GoShorty ... See MoreSee Less

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Black Rock Express Insurance and Financial Services Limited

2 weeks ago

Can Someone Else Drive My Car? – Part IIIUse Temporary Car InsuranceTemporary car insurance is a flexible way to let someone drive your car for a certain time period. They can get insurance for an hour, get covered for a day, or get a month of insurance on your car, making it easy for them to get insured for exactly how long they need the next time they need to drive your car. It’s also one of the best ways to insure a learner driver for when they need to use your car for practice. If a learner wants to drive your car, you can get them to take out temporary learner insurance. Why is temporary cover a great option?• Comprehensive cover – The driver gets full protection, just like an annual policy.• No impact on your no-claims bonus – If they have an accident, your insurance won’t be affected.• Quick and easy to arrange – It takes minutes to set up, and can provide instant cover. If someone only needs short-term access, temporary insurance is often cheaper and easier than adding them to your policy.Get Them to Take Out Their Own Annual PolicyTwo people can insure the same car, so if you share a car with someone and both regularly use it, it could be a good idea for them to have their own policy on the car.Why consider this?• Both drivers build a no-claims bonus – Unlike named drivers, they earn their own discount.• Your premium is protected – If they crash, your insurance isn’t affected.(Information courtesy of www. goshorty.co.uk)Need Short-Term Insurance for just an hour, a day, or a week?We’ve got you covered with flexible, self-service options — fast, easy, and fully online. Get insured instantly via the link below:👉 goshorty.co.uk/?goidst=BlackRockInsurance#Insurance #ShortTermCover #InsuranceBroker #FlexibleInsurance #GoShorty ... See MoreSee Less

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Some of the Insurers we use

Notes

Travel Insurance