Our Blog - Insurance

• Referral fees: what they are and why we do not use them 28 June, 2012
  

  With a referral fees ban for personal injury claims on the cards and the entire car insurance market under scrutiny, we want to explain how referral fees work and why Cornish Mutual does not use them. There is no question that referral fees are a high-profile and intensely controversial issue. This is following last year's announcement...More

• Update on liability for horse owners 15 June, 2012
  

  You may recall in October last year our Claims Manager, Paul Haddrell, wrote a piece explaining the importance of public liability cover for horse owners.  That remains an important message today.  However, in the light of a recent Court of Appeal decision we have asked Kelvin Farmaner, Partner and Head of the Insurance Litigation...More

• Flooding: would you be prepared? 24 February, 2012

  In recent years, the South West has been subjected to bouts of severe flooding, which have destroyed homes and devastated communities. In November 2010, much of South East Cornwall suffered torrential downpours with more than 100 homes evacuated in the worst hit areas of St Blazey, St Austell, Mevagissey and Lostwithiel - even tourist...More

• 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...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...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...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...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...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...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...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...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 recommend you do the simple things, like locking your doors and windows when you are out and taking extra care when...More