Newsletter - Winter 2025

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….

Travelling with Pre-Existing Medical Conditions

Planning a trip when you have a pre-existing medical condition can bring up unique challenges and concerns. If you have a health issue you’re managing—whether it’s diabetes, a heart condition, a cancer diagnosis, or asthma—this doesn’t mean you have to stop seeing new places. It just requires specialist cover to ensure a safe and enjoyable trip.

From making sure you’re covered in case of an emergency to managing medication needs, being well-prepared is essential for peace of mind whilst you are abroad.

Click here to read Travelling with Pre-Existing Medical Conditions.

Brown & Brown (UK) Rebrand

As you may already know, we will be rebranding to Brown & Brown Insurance Brokers (UK) Limited. This will happen in March 2025.

What does that mean for our existing customers? Well, we will continue to provide a personal service to our local communities, meaning you will continue to get the same excellent service that you have come to expect from us. The difference is we will now be backed by the market strength and capabilities of a leading global insurance broking group.

In her recent interview with Insurance Times, Brown & Brown (UK) Retail Chief Executive, Carolyn Callan, describes the company as a “A business with real integrity.”

For any further questions on the rebrand, please get in touch with your broker or contact us directly.

Click here to read Brown & Brown (UK) Rebrand.

Protecting Your High-Net-Worth Home: Essential Cover

Owning a large home comes with responsibilities, and it is essential that you protect your investment. High-net-worth (HNW) properties usually have unique designs and costly fittings and materials, as well as valuable items. Meaning standard homeowners' insurance may not cover you correctly.

Here’s a guide to essential insurance coverage for your high-value property.

Click here to read Protecting Your High-Net-Worth Home: Essential Cover.

The Average Clause: What You Need to Know

This clause is vital to understand for anyone who is responsible for insuring a building.

If you insure your building for less than the rebuilding cost, your insurer may pay you less if you make a claim. This applies to private properties, rental properties and commercial buildings.

Being told that your claim won't be fully settled is very stressful, upsetting, and can lead to financial problems. We think it's a preventable issue and always suggest getting a professional assessment to find the right rebuilding cost.

Click here to read The Average Clause: What You Need to Know.

Is Your Business Liable for Winter Accidents?

Winter weather can bring additional responsibilities for business owners. Snow, ice, and freezing temperatures make conditions dangerous.

Accidents on your property or due to your work can lead to expensive claims or legal issues.

Understanding your responsibilities and implementing preventive measures can help protect your business from liability this winter.

Click here to read Is Your Business Liable for Winter Accidents?.

Home Maintenance Checklist for Winter

As winter approaches, it's important to prepare your home for colder temperatures and harsh weather conditions. Following a proactive maintenance checklist can help protect your property from damage and reduce the risk of costly insurance claims. Here are key steps to keep your home safe and warm this winter:

Inspect and Clean Gutters: Clear leaves and debris from gutters and pipes to prevent ice dams, which can cause roof leaks and water damage.
Check Roof and Tiles: Examine your roof for damaged or missing tiles to prevent leaks from snow and ice build-up.
Seal Windows and Doors: Use draught excluders and sealant to seal gaps around windows and doors to keep cold air out and reduce heating costs.
Service Heating Systems: Arrange a professional inspection of your boiler to ensure it's running efficiently and safely.
Insulate Pipes: Wrap exposed pipes in insulation to prevent them from freezing and bursting during extreme cold.
Check Smoke and Carbon Monoxide Alarms: Replace batteries and test alarms to ensure they are functioning properly, especially with increased heating use.
Trim Trees and Branches: Remove overhanging branches that could break under the weight of snow and damage your home or power lines.
Stock Emergency Supplies: Keep essentials like torches, batteries, blankets, and non-perishable food on hand in case of power cuts.
Inspect Insulation: Check loft and wall insulation to maintain consistent indoor temperatures and reduce heating bills.
Prepare Outdoor Spaces: Drain garden hoses, turn off outdoor taps, and store garden furniture to prevent weather-related damage.

By completing this winter home maintenance checklist, you can safeguard your property against seasonal risks. For additional protection, review your home insurance policy to ensure you have adequate cover. Contact Green Insurance Group today for expert advice and peace of mind this winter.

Cyber-Security: How to Respond to a Cyber-Attack

The importance of cyber-security increases daily, with more and more sensitive information and company data being stored online, and therefore being a target for cyber-criminals.

Cyber-security aims to reduce the risk of cyber-attacks and protects against the invasion or exploitation of systems, networks, and technologies.

This article aims to offer employers guidance regarding what steps they should take after experiencing a cyber-attack.

Click here to read Cyber-Security: How to Respond to a Cyber-Attack.