Following the latest Coronavirus updates please find some useful information regarding Tier 3.

Please click on the link below:

Tier 3


We are delighted to announce that the Charity Commission and the Financial Conduct Authority have approved us to use an additional new trading name of Charity Insurance Brokers.

This will be to provide cost effective cover for Charities and Social Enterprises and Not for Profit Organisations combined with advice on what covers are particularly relevant and appropriate.

Engineering inspection service specialists, Thurra, have provided some very useful information. Please click on the link below.

If you are unsure if you need any items inspecting please call us on 01772 555585.

Thurra Inspection Guide

Monday December 23rd        Open 9:00am – 5:00pm

Tuesday December 24th        Open 9:00am – 12:30pm

Wednesday December 25th  Closed

Thursday December 26th      Closed

Friday December 27th            Closed

Monday December 30th        Closed

Tuesday December 31st         Closed

Wednesday January 1st          Closed

Thursday January 2nd            Open 9:00

The Thurra team of Engineer Surveyors are out in the field, in all sorts of workplaces, inspecting plant and equipment day-in day-out, so we asked them for their thoughts on the most common faults they find with forklift trucks and what you, as users can do to help avoid life threatening accidents and costly insurance claims from arising.

Thurra’s Engineers’ top 5 defects are as follows:

1. Ineffective parking brakes – this defect should be picked up on daily checks. As with the parking brake on a car, if this is defective, it should be reported as a serious defect, however, our surveyor can risk-assess the client, the site and use of the truck, before deciding on an appropriate course of action.

2. Inoperative / disconnected seat safety switches – again, should be picked up on a daily check, however, we often find these disconnected and it is apparent that the operators have carried this out. The seat switch should do one of three things, cut the operation of the mast/fork controls, bring the truck to a stop, or just sound a warning alarm/provide a warning on the truck dash.

3. Worn / distorted forks – the allowance for fork wear at the heels is 10% material loss. For deflection (the fork tip), this is calculated as 3% of the length of the fork. Check frequently against the original measurement.

4. Seized load chain links – proper maintenance should prevent this, however, in harsh environments, cold store use, timber yards, the chain links can seize easily, so extra vigilance needed here.

5. Ineffective / inoperative seat belts – again, should be picked up on a daily check. Quite often driver’s do not bother wearing them, but they should work in the correct manner. Common faults are the seat belt not locking, or the retaining clip not locking the belt in position.

If you require advice or help on any of the above, please speak to us on 01772 555585. We will be happy to arrange a call to Thurra for technical advice, or a visit by an experienced engineer, who will be happy to advise.

Following the uncertainty of the impact on UK policyholders driving in the European Economic Area (EEA) after Brexit, the ABI has issued guidance for policyholders.

What’s the impact on policyholders when the UK leaves the EU?

If the UK leaves the EU on 29 March 2019 without a withdrawal agreement in place, and in the absence of a specific agreement to the contrary, your policyholders need to ensure they carry a physical Green Card while driving their vehicles in the EEA and some other countries (Andorra, Serbia and Switzerland).

Drivers with a UK driving licence travelling in the EU and EEA Countries may also need to obtain an IDP (International Driving Permit).

From 28 March 2019, all commercial trailers weighing over 750kg and non-commercial trailers weighing over 3,500kg must be registered with the DVLA before travel to or through most EU and EEA countries and a separate Green Card will be required for these.

What are Green Cards?

Green Cards are an international certificate of insurance issued by insurance providers in the UK, guaranteeing that the motorist has the necessary minimum motor insurance cover for travel in the country they are visiting.

The walls of the Sir Tom Finney concourse at Preston North End Football Club now have 12 illustrations of iconic moments from the Club’s history.

Garratts Insurance were shirt sponsors in the 1986/87 season when promotion was achieved and the image shows the celebrations after a 2-1 victory at Orient.

Happy to have arranged the insurance cover to ensure that Andrew could enjoy his day in the skies above London!

We are delighted to confirm our new website focussing on the needs and requirements for property owners of all types is now live.

Whether you are a residential or commercial landlord, full or part time, managing agent or private individual, we welcome your enquiry.

Sedgwick anticipates a possible surge in subsidence due to the prolonged spell of hot and dry weather across the UK.

Based on the company’s weekly update on current subsidence volumes, there has been a rise of more than 350 per cent over the past six weeks and it is likely to rise further as the heat and abnormally dry weather continue to affect already dangerously dry soil conditions.

Subsidence is a very serious issue, particularly for properties built on clay soil near trees, when the loss of moisture in the soil causes it to dry and shrink. Instability in the soil and the resulting ground movement will impact on the foundations of buildings. With shifting foundations comes the potential for property damage. The current weather trend and the increase in potential for subsidence is of great concern in places like London, where many of the city’s homes are constructed on clay-based soils.

Data from the UK’s Meteorological Office Rainfall and Evaporation Calculation System (MORECS) shows the biggest changes for several years, as the effect of the prolonged dry, sunny weather has started to show in monitoring readings. MORECS readings increased sharply from June through mid-August, rising from under 100, to 302.5, however dropping slightly to the current 298.5 last week, we anticipate that the maximum value of 308 will be reached within the next two weeks.

With warm weather patterns forecast to continue, especially in southern areas of the UK, Sedgwick estimates that claim volumes will also continue to rise through the remainder of August and into September and remains watchful of the situation.

“With live remote crack monitoring in place; feeding back data every eight hours, we are able to anticipate claim volumes before they occur, along with tracking soil conditions, level monitoring readings and long-term weather forecasts. We also have collated soil samples and weather information to help predict likely claims volumes for this year,” said Kevin Williams, Sedgwick head of subsidence.

Looking at the previous surge years of 2003 and 2006, the current position shows that the soil is drier than it was in 2003, but not quite as high as the surge of 2006. A surge event will be dependent on how long the MORECS remains at this maximum level: in 2003 there were maximum readings for seven consecutive weeks and 2006 for four weeks.

Whether or not 2018 becomes a subsidence surge year is dependent on warm weather continuing throughout August. For the high levels of subsidence to be repeated in 2018, the weather will need to remain dry and warm throughout August and into September.

Authored by Sedgwick