Newsletter - Autumn 2024

Newsletter - Autumn 2024




What Our Clients Say About Us…

At Green Insurance Group we always strive to provide excellent customer service. Over many years we have built trust with our clients by offering friendly, professional insurance advice.
We make the experience of dealing with insurance as positive and stress-free as we can. But don't just take our word for it - we track our clients' satisfaction by asking them to provide customer feedback reviews via Feefo.


Click here to read What Our Clients Say About Us….



Understanding Cyber Insurance: Coverage and Importance

Cyber insurance, also called cyber liability insurance, helps organisations reduce the risk of cyber incidents by covering the costs. These incidents can include data breaches, hacking, ransomware attacks, and other cybercrimes.
As cyber threats get more advanced, cyber insurance is now crucial for businesses to manage risk effectively.

Click here to read Understanding Cyber Insurance: Coverage and Importance.



How to Avoid Property Underinsurance

Underinsurance is a serious problem for property owners as it can affect any claim you make.
Underinsurance happens when an insurance policy covers a property for less than its actual value. A problem that affects many people and can result in financial loss for the policyholder. Here’s how underinsurance might affect you and how you can prevent it.

Click here to read How to Avoid Property Underinsurance.



Brighton Office Defibrillator Installed

We are absolutely thrilled to have achieved our
fundraising goal and successfully purchased a much-needed defibrillator for Patcham Village, the location of our Brighton office.
 
We have installed the defibrillator outside The Old Coach House, 110 Old London Road, Brighton, BN1 8BB We want to extend a massive thank you to everyone who contributed to our fundraiser, including the following organisations that made donations: Rotary Club of Brighton, Mansell McTaggart Estate Agents, and Halo Hair & Beauty Patcham.
 
This life-saving equipment can be found behind the Brighton office (opposite our car park) for public use, ensuring that we are better prepared to handle emergency situations and potentially save lives.

Click here to read Brighton Office Defibrillator Installed.



Know the Risks When Renting Your Property Out Short-Term

Going away for the weekend and looking to rent your property out short-term to make some money? New technology has made it easy to find temporary tenants at the click of a button, but is it as risk-free and safe as companies make out?
 
Research into the dangers of short-term renting really highlight the risks when letting to a stranger whilst you are away.

Click here to read Know the Risks When Renting Your Property Out Short-Term.



Preparing Your Electric Vehicle for Cold Weather Conditions

The consumer interest in electric vehicles (EVs) has never been higher and is set to increase even more in the near future, with society becoming more eco-friendly moving forward.
 
Electronic vehicles offer a lot of benefits for motorists, including better fuel efficiency, and emitting far fewer environmentally toxic fumes when driving. With that being said, EVs are not without downsides. Similar to combustion engine vehicles, EVs also need preparing for winter.

Click here to read Preparing Your Electric Vehicle for Cold Weather Conditions.



WATCH: Introduction to Renovation Insurance | Clara Boyce

Are you having structural work done to your property? This type of insurance can be complicated. Don’t worry, we can help.
 
We understand that arranging building works is complicated and stressful with lots of factors involved. Unfortunately, this area of insurance is often overlooked, however we are here to assist you and answer any questions you may have.
 
Check out the video below where Clara Boyce, Renovation insurance expert, answers a few common questions, to give you an overview of the cover you may need when carrying out work on your property.
 

Click here to read WATCH: Introduction to Renovation Insurance | Clara Boyce.



BT to withdraw their Redcare alarm signalling service.

Earlier this year, BT announced their decision to withdraw the Redcare alarm signalling service from the market effective from 1st August 2025. If you have one of these alarms, this change will potentially impact your insurance and require alternative solutions.
If this applies to you, please read on: -
You may receive communications from various alarm maintenance companies and suppliers offering replacement services. Given the importance of alarm systems on your insurance coverage, it is important you check with us for guidance.
To ensure there are no issues with your insurance, it's crucial that the replacement service chosen offers a comparable performance level to Redcare. An example comparable product would be the CSL Dualcom Gradeshift Pro DP3, or potentially any dual path Alarm Transmission System with performance level DP3 certificated to BSEN50136-1:2012.
We encourage you to act promptly to avoid installation delays and product shortages as the transition deadline approaches.
When selecting an alternative supplier, you should:
  • Ensure the company is regulated by the National Security Inspectorate (NSI) or the Security Systems and Alarm Inspection Board (SSAIB).
  • Moreover, you should maintain systems under an annual maintenance contract with a regulated company, as this is required by your insurer.
If you have any uncertainties regarding your alarm service, please do not hesitate to contact us for further assistance.
 



WATCH: Directors and Officers Liability Insurance | 5 mins

Owning and running a business can be challenging and rewarding, often in equal measures. If you are a director or officer of a business you are at risk of being held personally liable for claims made against you by your employees, shareholders and even regulatory organisations such as the H&S Executive. This means your personal wealth can be at risk and why it is sensible to consider Directors’ and Offices’ liability insurance.
 

In this under 5 minute video, Christopher Williams explains why you should consider D&O insurance.


Click here to read WATCH: Directors and Officers Liability Insurance | 5 mins.



Are You a Narrowboat Owner? We Provide Cover You Can Trust

Collidge & Partners, our canal and narrowboat brand, have been looking after the insurance needs of canal and rivercraft owners for over 30 years. As specialists in the sector, we understand the risks and how best to protect against them.
 
Long established expertise in insurance for narrowboats and other craft on the UK’s canals and waterways including:
  • Narrowboat Insurance
  • Canal Boat Insurance
  • Residential Narrowboat Insurance
  • & More

Click here to read Are You a Narrowboat Owner? We Provide Cover You Can Trust.



10 Essential Tips for Keeping Your Home Safe This Christmas

 

The last thing you want while enjoying the holiday season is a call about a break-in or burst pipe. Use these Christmas-specific tips to help keep your home secure so you can truly relax. 

 

Make Your Home Look Festive—and Occupied 

An empty home is a green light for intruders. Take steps to make it look like someone is always around: 

  • Arrange for a trusted neighbour or friend to bring in any deliveries, packages, or Christmas cards. 
  • Set lights on timers or use smart lights at night. 
  • If possible, ask a friend to park in your driveway and adjust curtains daily. 

Cancelling newspaper or regular milk deliveries for the time you’re away can also help avoid any giveaway signs. 

 

Lock Up Thoroughly 

It may seem obvious, but don’t overlook basic security: 

  • Double-check that all doors, windows, and sheds are locked with insurance-approved locks. 
  • Keep outdoor tools secured to prevent them from being used in a break-in. 
  • If a ladder must stay outside, secure it with a chain and padlock. 

 

Tuck Away Your Gifts and Valuables 

Christmas presents under the tree may look festive but avoid keeping them visible from windows. Place valuables out of sight or lock them in a safe. 

 

Invest in a Security System 

If you haven’t already, consider installing a security system. Various options are available: 

  • Basic alarms can deter intruders, especially if they’re visible from the outside. 
  • Smart video doorbells let you monitor your home remotely and notify you when someone is at your door.  
  • Monitored alarms notify a central response team that can contact the police if needed. 

Make sure you comply with your insurance company’s requirements. 

 

Secure Your Doors 

In many break-ins, a door is the entry point. Ensure your doors are strong: 

  • Solid wood or composite doors are a good option - make sure they meet the correct British Security Standards. Alternatively, uPVC doors suit lower budgets and will probably include multi-point locking. 
  • Avoid doors with glass panels or opt for reinforced glass. 
  • Add a letterbox guard to prevent anyone from reaching inside for keys or valuables. 

 

Don’t Broadcast Your Holiday Plans on Social Media 

Posting about your Christmas trip could unintentionally let possible intruders know you’re away. Save the updates and photos for when you’re safely home. 

 

Connect with Your Neighbours 

If you live in a neighbourhood with a watch scheme, let them know your travel dates. If not, simply let a trusted neighbour know and ask if they can keep an eye on your property. Friendly neighbours can be a great line of defence. 

 

Prevent Water Damage 

During winter, water damage from frozen pipes is common. Prevent potential flooding by: 

  • Turning off the water at your stop valve. 
  • Draining pipes to prevent freezing. 
  • Checking with your insurance provider to ensure you’re meeting their requirements and that your cover isn’t compromised. 

 

Unplug Appliances for Safety and Savings 

Leaving gadgets plugged in can increase fire risk and energy costs. Unplug all non-essential items—especially Christmas lights and charging devices. 

 

Going for 30 days or more? 

If you’ll be away for more than 30 days, notify your insurance provider, as your standard home policy may not cover extended absences. If your insurer requests certain measures are put in place, make sure you adhere to these to avoid invalidation of your cover. 

By preparing your home with these Christmas safety measures, you can enjoy peace of mind and make the most of your holiday.