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Some of the Insurers we use

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Isle of Wight Branch: 01983 760377 East Sussex Branch: 01424 775953

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Travel Insurance

We have taken the decision to suspend offering Travel Insurance for the time being. This is being reviewed on a quarterly basis.
12th May 2022

On the 12th and 13th May our phone system is being updated, so you may have trouble getting through to us. We will do all we can to avoid disruption and we can still deal with your queries by email.

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Black Rock Express Insurance and Financial Services Limited

2 days ago

Don’t underinsure your contents!• Honesty is key: it may seem tempting, but underinsuring your contents could cost you in the event of a claim• The price of underinsurance: insuring your contents for up to £20,000 instead of £40,000 (true value) means you’d then receive the lower amount at best in the event of a major claim and may not be able to replace everything you lost• Don’t risk the deductions: even if you don’t lose all of your contents, insuring them for less than their full value means we may make a deduction from your claim amount. Consider this: if the amount of your contents cover is only 75% of the amount needed to replace all your contents, we would only pay 75% of your claim.• Think long term: underinsuring your contents could give you a cheaper premium, but could create a false economy in the event of a claimReview your sum insured at renewal• Never assume: just because you correctly calculated your sum insured when you took out your policy doesn’t mean it’s correctyear after year• Take note of your new items: insurers may increase the amount of your contents sum insured each year in line with the Retail Price Index or another suitable index if this isn’t available• Something new? Tell us: if you buy an expensive item(s) ask us to increase the value of your sum insured to avoid being underinsured when you renew your policy(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

4 days ago

Home contents valuation tips!What do you think is the total value of your contents? £20,000? £40,000? £60,000? The truth for a lot of people is that unless you sit down and work out what the value of your contents is, room by room, you’re unlikely to come up with an accurate figure. Follow our tips below and you’ll be on the right track to insuring your contents for the correct amount.Estimate the value of your home contents;• Create a list of your main contents on a room-by-room basis and then give them a value• Don’t forget to consider appliances, furniture, clothes and jewellery – even freezer contents should be tallied up• Once you’ve checked each room, you should have a final valuation to use in your quote• Why not try out this handy contents calculator on ow.ly/IFH450ISqSn to help you do the mathsRemember, for most contents, cover is new-for-old• Don’t make the mistake of valuing your contents based on the second-hand value e.g. your old TV• All of your items should be insured for their full replacement cost apart from clothing, which is subject to wear and tear, as this is the amount you’d expect to get in the event of a claimWith more people working from home, contents insurancehas never been more important!(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

6 days ago

HIGH NET WORTH PROPERTY INSURANCEWhile Standard home insurance is usually more than sufficient for most people, some have particularly valuable assets that require a little extra attention when it comes to insurance. If your home is valued above £750,000 for example, or if your belongings include high value jewellery, gold and silver, antique furniture, paintings and collections; you may benefit from a High net worth policy.Black Rock Insurance have access to a range of high end and bespoke insurance products that offer extra protection in comparison to what would normally be covered by standard insurance. This can include higher limits of cover, wider perils, and worldwide protection for all of your belongings. Speak to our team who can advise on an insurance policy crafted to meet to your specific needs.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

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 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 weeks 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 coldsurfaces inside your home means you may have a problem with ventilation. Low ventilation may also be an issue if it feels coolor 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 mightnotice 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 wallsand 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 brokers a call on 01983 760377 or 01424 775935.#insurance #insurancebroker #broker ... See MoreSee Less

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