Our Blog - Insurance

• Securing your home against burglaries this winter 14 October, 2011

  With only a couple of weeks until the end of British Summer Time, you probably don't need to be reminded that evenings are becoming shorter. When we turn the clocks back an hour on Sunday 30 October, the nights will really start drawing in, so now is a good time to do a few checks on the security of your home to get it ready for the winter months....More

• Why public liability insurance is a must for horse owners 06 October, 2011

  Anyone who keeps a horse knows just how important it is to be conscious about safety at all times. Not only to avoid accidents and injuries to yourself and the horse - but  to also ensure that your horse does not harm others. If your horse is involved in an incident which causes injury or damage  to another person or their property, you...More

• Is your gold jewellery adequately insured? 09 September, 2011

  You may have recently read or heard about gold prices hitting an all time high, and that selling your old, spare or scrap necklaces, rings, watches and other jewellery could make you some extra cash.  Gold has risen in price by around 50 per cent in the past 12 months to a record high of over $1,800 per ounce. If you had invested in gold ten...More

• Don’t Claim, Maintain… 15 July, 2011

  During the summer months the number of claims regarding damage to property is significantly lower than in the winter months. However, many claims are still made and unfortunately in many cases they can be avoided.  It has been widely reported that we have experienced one of the driest springs on record. This dry weather is not only bad news...More

• Primogeniture; how prepared is your family for the future? 21 June, 2011

  A blog by Sue Savill of Ashfords Solicitors With the next generation of the Royal Family embarking on married life, attitudes towards inheritance and succession issues may be changing.  A recent survey by Chartered Accountants, Saffery Champness, for Country Life Magazine has found that more major land owners are now prepared to leave their...More

• 5 things to consider before buying a horse 16 June, 2011

  Owning your own horse can be a really rewarding experience - you're not just buying a hobby or pastime, but a companion who will be with you for many years. There are, however, some serious considerations you will need to make before deciding to buy your own horse. To help, we've put together five key factors you ought to bear in mind.  1....More

• Taking your car abroad this year? 07 June, 2011

  If you are thinking of taking your car abroad with you this year, you need to make sure your motor insurance policy provides the right level of cover.  Many UK motor insurance policies automatically provide (at no extra cost) third party liability cover which is the minimum cover required by law in the European Union (EU) for accidents...More

• 80% of businesses closed due to a fire never re-open 16 March, 2011

  Did you know that at least 80% of businesses that are forced to close as a result of fire never start up again often because they have no business interruption cover? Following the tragic events of September 11 2001, many small commercial businesses in the area surrounding the Twin Towers in New York went out of business. It was not the direct...More

• Reasonable care – what does it mean? 28 February, 2011

  One of the basic principles of insurance is that an insured should always act as if they are not insured. This effectively means that you should take all reasonable precautions to avoid any loss or accident. Cornish Mutual Here at Cornish Mutual, we have a surveyor who visits our Members to check that any risk is acceptable for...More

• Home and contents insurance – things you should know 26 January, 2011

  It's fair to say that everyone's personal circumstances, valuables and possessions will change at some time or another and making sure that you have the right level of insurance cover is important, otherwise you could find yourself underinsured should the worst happen. Get your sum insured right Insure your home for its rebuild cost, not its...More

• Preventing burst pipes this winter 18 January, 2011

  If December's cold snap and heavy snowfall is anything to go by, severe winter weather is becoming ever more common in the Westcountry. Harsh, wintery conditions are usually followed by a big thaw and in turn, a number of insurance claims for burst pipes and flooding. Whilst the result of flooding can be devastating to the property owner concerned,...More

• Workers’ Accommodation – your Duty of Care 11 January, 2011

  If you provide temporary accommodation for seasonal workers, you should be aware that current health and safety legislation imposes a duty of care on you to provide safe working conditions which includes worker accommodation.  Here are a few pointers to help you consider if your safety standards are adequate; Good practice requires that...More