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Private Client

We are experts in our field built through providing quality service to our clients for 80 years with a passion for the finer things in life. Backhouse Insurance can offer a bespoke, personal and confidential service to ensure your valuables, and your lifestyle, are protected.

Our first priority is to develop a clear understanding of your expectations and risk tolerance levels. After identifying your personal risk exposures, we tailor an insurance risk management program to meet your needs.

Once a program is in place, we continue to handle all related administration, confirming all coverage and change requests at a time convenient for you. We oversee any claims through final settlement, and review, analyse, and recommend any adjustments to your insurance program on an ongoing basis. At Backhouse, our team is committed to servicing your individual needs, professionally and expeditiously, while always exceeding your expectations.

For more information please contact a member of a team on 01282 677776.

To view our Private Client Brochure please click here>

Yesterday, 5:30 am
Labour urges the government to ensure people taking advantage of new pension freedoms next April are not ripped off by financial firms.
Friday, 5:11 pm
A cut in interest rates in China and comments from Europe's Central Bank chief spur US markets on to fresh highs
Friday, 6:05 pm
State-backed bank Royal Bank of Scotland (RBS) says a data error means it only just passed a European stress test of its balance sheet.
Friday, 6:33 pm
Aviva and Friends Life are in talks about a possible £5.6bn merger deal, the two insurance companies have said.
Friday, 12:49 pm
Government borrowing fell to £7.7bn in October, official figures show, down £0.2bn from a year earlier.
Friday, 10:03 am
American airline Delta replaces its old Boeing planes in a $14bn order for 50 Airbus wide-body jets powered by Rolls Royce engines
Friday, 12:27 pm
James Dyson tells the BBC it's important to keep engineers in Britain to produce hi-tech exports, as he announces a £1bn investment in research and development.
Friday, 6:07 pm
HSBC's Swiss-based private banking arm confirms it has been placed under formal investigation in France, days after being accused of tax fraud by Belgium authorities.
Friday, 12:14 pm
Taxpayers will have longer to appeal before HM Revenue and Customs can raid their bank accounts for unpaid taxes, under revised plans released by the Treasury.
Friday, 12:01 pm
Malaysia plans to end petrol and diesel subsidies from December in an attempt to save billions of dollars and reduce its fiscal deficit.
Friday, 1:14 am
The chief executive of renowned auction house Sotheby's, William Ruprecht, is stepping down after 14 years at the helm.
Friday, 5:04 pm
News of an interest rate cut in China sends shares in mining companies higher, boosting the FTSE 100.
Thursday, 10:27 pm
The former chief executive of JJB Sports, Christopher Ronnie, is convicted of accepting more than £1m in backhanders from suppliers.
Thursday, 10:45 pm
In a surprise move, the UK government has withdrawn its legal challenge to EU legislation that caps the level of bankers' bonuses.
Friday, 7:54 am
Singapore plans to regulate third-party taxi booking apps such as Uber by capping fees and limiting them to use only licensed vehicles and drivers.
Friday, 1:29 pm
La Liga giants Valencia are facing a fight to be allowed to use a bat symbol on their crest - from the creators of Batman.
Thursday, 5:22 pm
A charity is to give away 2,000 Talking Book audio computers to some of Ghana's poorest communities after securing funds from Unicef and ARM.
Friday, 4:43 pm
Some Royal Bank of Scotland customers suffer from problems using cards in stores and at cash machines, the day after the bank was fined £56m for its 2012 IT meltdown.
Wednesday, 3:31 pm
The average full-time pay gap between men and women is at its narrowest since comparative records began in 1997, but is still a difference of 9.4%, official figures show.
Thursday, 11:53 am
Royal Bank of Scotland is fined £56m by regulators after a 2012 software issue left millions of customers unable to access their accounts.
Thursday, 12:50 pm
UK retail sales rise 0.8% October compared with September, and is 4.3% up on October 2013, according to official figures.
Thursday, 5:15 am
Activity in some of China's factories and workshops hits a six month low in November, a fresh survey shows.
Wednesday, 8:42 pm
Despite turmoil in emerging markets, the US Federal Reserve reached an easy consensus to end its stimulus programme, latest minutes reveal.
Thursday, 12:10 am
As more Emirati women enter the private sector, a growing number are going into fashion design, reports Verity Ratcliffe from Dubai.
Tuesday, 8:17 pm
The new government in Afghanistan says it wants to make it easier to do business in the country - but will things change?
Monday, 9:19 pm
A former convict turned entrepreneur is looking to give other ex-offenders in Singapore a new lease on life through his restaurant chain Eighteen Chefs.
Thursday, 7:41 pm
The head of Fifa's Audit and Compliance Committee is to evaluate reports into alleged World Cup corruption.
Tuesday, 12:47 pm
Ofcom opens an investigation into how the Premier League sells live TV media rights for its football matches following a complaint from Virgin Media.
Tuesday, 1:01 pm
Manchester United sees its revenue fall by 9.9% to £88.7m for the three months to the end of September.
Friday, 5:29 pm
How Olympic athlete and world record holder Haile Gebrselassie has become a property mogul and leading investor in Ethiopia.
Friday, 4:00 pm
Chief executive Rahul Batra explains his ambitions for the Burmese search engine Bindez.
Friday, 6:18 pm
The chairman and co-founder of Twitter is in London for the global launch of his new company 'Square'.
Friday, 12:45 pm
The e-commerce industry in India is accelerating rapidly, but some worry the supply chain may not keep up with demand.
Friday, 12:37 pm
The BBC's Lerato Mbele meets the Ethiopian farmers trying to find their place in the local and regional economy.
Friday, 12:32 pm
Ethiopia is experiencing a property and infrastructure boom, as Roderick Macleod reports from Addis Ababa.
Friday, 1:59 am
Myanmar, formerly known as Burma, is attracting increasing amounts of foreign investment but is hoping to win more with a message of cheap and plentiful labour.
Friday, 1:56 am
The Philippines economy is performing well but challenges remain. The country's president tells us his plans to tackle red tape in the business environment and poverty.
Friday, 10:00 pm
Haile Gebrselassie on his move from athletics to the boardroom
Friday, 10:00 pm
Are 0% interest credit card deals a good idea?
Friday, 12:32 am
The mammoth corruption scandal surrounding Brazil's oil colossus Petrobras
Thursday, 12:21 pm
What are the root causes of F1's financial troubles?
Friday, 12:29 am
Space agency plans Mars mission with plastic bricks
Friday, 12:34 am
How crowd investment platforms are shaking up start-up land
Thursday, 8:22 pm
China's growing demand for Turkmenistan's gas
Wednesday, 7:51 pm
How McDonald's changed its menu to succeed in India
Thursday, 12:07 am
Are child labour laws a step back for advancing Bolivia?
Thursday, 10:58 am
What would you get if you sold everything in the UK?

HEALTH AND SAFETY (FEES) REGULATIONS 2012

New UK Legislation enabling the HSE to charge a Fee for Intervention (FFI)

What is FFI? 

Increased squatters risk in commercial properties
From 1st September squatting in residential buildings in England and Wales became a criminal offence

IS IT TIME TO REVALUE YOUR JEWELLERY

At present we are all seeing many articles and commentaries in the press and TV regarding the price of gold, silver and diamonds on a seemingly upward trend in cost.This is very true as you can see from the attached graph showing gold and silver over a two year period.

THEFT OF HEATING OIL

The cost of heating oil has increased significantly recently, resulting in more thefts of oil from both domestic and commercial properties.

The first indication that a theft has taken place is often when the heating stops working.

OVERVIEW – 2011

Rate reductions are still possible for clients for property and liability insurance.  Abundant capacity and competition between Insurers are preventing increases, other than where there has been poor claims experience on individual accounts or within specific sectors.

DO YOU HAVE DIRECTORS AND OFFICERS INSURANCE?

The first Corporate Manslaughter Prosecution has been successful in the United Kingdom.

It is more important than ever to ensure that your Managers, Directors, Officers as well as the Company have cover in place to protect them.

CHANGES TO THE MOTOR INSURANCE DATABASE

From 2011 if your vehicle is not registered on the MID and has not been declared as 'Off-Road' you will receive a letter warning you that you could face a fine, prosecution as well as your vehicle being clamped, seized or ultimately destroyed.

IMPORTANT CHANGES TO EMPLOYERS' LIABILITY INSURANCE FROM 1ST APRIL 2011

With effect from 1st April 2011 the Employers' liability Tracing Office (ELTO) will be introduced.

The purpose of the ELTO is to assist the insurance industry in meeting its obligations to help those who have suffered injury or disease in the workplace identify the relevant insurer quickly and efficiently.

Backhouse meet with me once a month to review our insurances. As part of this process they have produced a comprehensive, easy to understand schedule of all our cover which they update prior to each meeting. In my 30 years of dealing with Insurance Brokers this has never been done so efficiently, or consistently, as it has by Backhouse. They are the best brokers I have ever come across!

Graham Pilkington, Director. Cavitech Solutions