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“The average premium for comprehensive cover has risen 23% over the past year to £ 980. The average of the three cheapest is up 31% to £ 704.  Some estimates reckon that insurers are paying out £1.22 for every £1 in premium.”

“Just as mortgage margins were wafer thin- even negative -before the credit crunch but have now gone too far the other way, cheap car cover could be the next victim of the credit crunch.”

Suddenly our policies from traditional insurers look good value. Ask Janet or Susan for a quote.

For our web site this is a first but hopefully we are amongst the first to give credit where it is due. Zurich have produced some particularly good notes on the subject and they are well worth sharing.

We enjoy the challenge that comes from addressing the risks of a design and build contract. The article provides a first class platform for such a discussion with you.

Clients will know that the subject here in the office is Bill Ritchie’s forte. The rest of the world might wish to give us a try.

Giving credit is a nervous business. Consider with us the insurance against your client’s default. Opening a new account with ‘An Existing Opportunity Ltd’? Have us check their credit rating. If it’s poor they will almost certainly do business with you - but no one else will!

In a sample of 128 valuations carried out by Aviva, 86% of the properties surveyed were significantly underinsured - on average by as much as 50%.  In the sample the collective shortfall was £314 million. We hope that most of our clients are in the 14% who are well insured. Could it be that Jock Tamson’s  Bairns are the only ones in step ! We wonder and worry on our client’s behalf !

An employee did not actually have a hammer but he had made himself a tool. It all came to a sorry end when the tool came unstuck and caused him to crash. Blame the employer, he is mean’t to look out for his employees! The Employer didn’t even know the tool existed and wonders of wonders he won his case. The employee’s tool was not considered work equiment. Interesting some of these claims ! Contact us for the detail and court references.

The tickets sold out at 11 per second. To save you worrying that is in roughly 19 hours !  The organisors were well advised but they surely have been dreading the possibilty of Michael’s premature death. It is reckoned that they might be £ 300 million pounds out of pocket. The insurance industry understands that AEG had insured between ten and twenty of his fifty concert tour. Cost to AEG ,  circa £ 120 million.  Wonder  if they could seek compensation from Michael’s estate. A lawyer wouldn’t take that on, would he ? Insurance is good but contingency risk planning essential.

It recently took four phone calls to Aviva before speaking to someone who was able to confirm that an insurance policy existed. Thereafter, we were informed that an adjuster would call in five weeks but in the meantime the bathroom would have to remain out of bounds. We had a happy relaxed client within the hour. If you or any of your friends experience such difficulties please let us know - we are here to help the world go round.Remember we offer a claims resolution service quite independent from our normal role as an insurance broker. Blair or William Ritchie will be your first contact .

Sorry to hear you are not very well. You have one of those dreadful pre existing conditions. Nobody is going to insure you ? Wrong. If you are in business we can insure Directors, accompanying Partners and even children . The insurance applies to both business and holidays and will even include winter sports. We can do much the same thing for employees  under the scheme. Cost ? For example a total of 25 trips per annum of up to thirty days each, business or pleasure , will cost £ 200 inclusive of tax and a holiday discount !  Susan Ritchie looks forward to hearing from you and will be happy to advise should you already have cover under a private arrangement.

The Ritchies recently attended a family wedding orchestrated, privately, by Ben Shaw of Blue Strawberry. The Party escaped the attention of ‘Hello’ but it was self evident just how much a professional organiser can, bring to your event and spend your money.Insurance helps the contingency plan if all else fails! A modest Scottish wedding costing £ 20,000 could be insured on a Gold Package for as little as  £ 100.   Susan here in the office can tell you more about the insurance and introduce you to Ben.

This is not the site to visit if you wish comment on the budget.  Regardless of your take  “What if?” the house burns down, the breadwinner instead of being an asset becomes a liability, health & safety decide to prosecute or a lawyers letter arrives from your neighbour?   We are here to share the problem many of which are directly addressed by an insurance policy.  A problem shared is always a help.  We wish our client’s, with Mr Darling,  a good nights sleep.