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Alan & Thomas Commercial Insurance | News

Winter is coming . . . 

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As the Starks are so keen to remind us - Winter is coming! You might want to start preparing for this one more than ever with record rainfall predicted in the UK!

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An Update on Higher Health and Safety Fines After 1 Year

HS Fine Increase

In February 2016, the new guidelines from the Sentencing Council came into force. These amendments dramatically increased fines for corporate manslaughter, food safety and hygiene offences, and health and safety offences.

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Ben Nevis Charity Challenge 

As a company, each year we select a single charity to support throughout the year and this year was no different. Josie’s Dragonfly Trust is A&T charity of the year for 2017 and we decided to do something really big!

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Insurance Premium Tax (IPT) Increases 1st June

On 1st June, the IPT, a tax on general insurance premiums, will increase from 10 to 12 per cent, meaning the tax has doubled in just 18 months. This increase will affect 27 million households, 17 million drivers as well as businesses, potentially increasing their insurance premiums, according to the British Insurance Brokers’ Association (BIBA).

Coins

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Much Ado About Ogden

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When an incident occurs and someone is left with serious injuries because of it, the courts will award an amount of money to that person in compensation. This is usually paid as a lump sum and the amount they actually receive is adjusted to take into account the additional income they could expect to earn by investing it.

From 20 March 2017, the discount rate (also known as the Ogden rate) was reduced from 2.5% to -0.75%. This change may not seem significant on the face of it but it now means that where insurers previously reduced the amount paid in personal injury cases, they now have to increase payment.

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Business owners chase specialist insurances

Most insurers offer cover for buildings and contents, a vehicle, and life and medical care. However, it is unusual to find an insurance provider who will offer coverage for more obscure items and eventualities.

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Three Insurance Resolutions for the New Year

The beginning of a new year is when we all pledge to make a change for the better: whether it's a new healthy diet, a promise to be organised or a plan to exercise more often, New Year's resolutions are everywhere at this time of year. This year, why not make yours a little more worthwhile?  Making your insurance policies your New Year's resolution and general priority for 2017 is a smart choice for a prepared and organised year ahead.

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Festive Fire Damage

 

According to claims data from Aviva over the last 10 years, Christmas Day sees 120% more fire claims than an average day!!!

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UK on course to leave EU

Britain’s decision to leave the European Union will have consequences for all businesses, not least for the insurance industry. Brexit means that UK insurance providers will be removed from one of the largest single markets worldwide.

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5 business tips for Black Friday success

The year's busiest shopping day is just a few hours away, with Black Friday falling on Friday 25th November this year. As a business, however big or small, now is the time to make the most of your time and put a strategy in place to ensure that your business benefits from the many shoppers on the streets during the build up to Christmas. 

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