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  • The new financial regulators |
    successor bodies The Financial Conduct Authority FCA and the Prudential Regulation Authority PRA In brief the PRA will ensure the stability of financial services firms and is part of the Bank of England the FCA is a watchdog which monitors the behaviour of financial services firms The aim of this restructuring was to avoid a reoccurrence of failing banks and enormous state backed bailouts as have happened over the last few years Loss assessors must still be Authorised For the loss assessing industry this means that we now come under the auspices of the FCA But nothing else has changed by law a loss assessor must be Authorised by the FCA rather than the FSA which means they have met the stringent standards required to manage all aspects of an insurance claim on behalf of a policyholder This has been a legal requirement for loss assessors since 2005 and one thing we are very proud of at Morgan Clark is that we were the first firm of loss assessors to be authorised when these regulations were introduced So nothing has really changed as far as we are concerned and ensuring a firm is fully Authorised is still the only protection for policyholders if they decide to use a loss assessor Share this page This entry was posted in Loss Assessors and tagged FCA insurance claim regulation Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan

    Original URL path: http://www.morganclark.co.uk/about-us/blog/the-new-financial-regulators/ (2016-04-24)
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  • How do you choose a loss assessor? |
    This means they have met the stringent standards required to manage an insurance claim and handle clients money Are they authorised So our answer to that question is before you appoint a loss assessor ask whether they are a fully regulated company listed by the FSA as authorised If they are not then your insurance company may refuse to deal with them We also warn policyholders to make sure that the firm isn t operating under the umbrella of another company s FSA registration They can check this by visiting the FSA site and entering the name of the company or the assessor in the search box If they come up as Appointed Representative then that means they do not comply with the FSA regulations and are using someone else s registration This is likely to be someone who may not be completely independent such as an insurance broker or other financial services company and this may be detrimental to the outcome of the claim Of course if the name doesn t appear at all in the search of the site then that means the firm doesn t have FSA authority and your insurer will refuse to deal with them So verifying the trustworthiness of a loss assessor is very simple At Morgan Clark we re very proud of the fact that we were the first firm of loss assessors to be authorised by the FSA indeed we met all the criteria laid down as soon as the scheme was launched in 2005 We don t think there is any better way of ensuring the loss assessor you choose will handle your claim in the best possible way Share this page This entry was posted in Loss Assessors and tagged insurance claim Back to the blog archive Request a call

    Original URL path: http://www.morganclark.co.uk/about-us/blog/how-do-you-choose-a-loss-assessor/ (2016-04-24)
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  • Loss Assessors | Morgan Clark
    alteration to the way the financial services industry is run The Financial Services Authority has been abolished and has been replaced by two successor bodies The Financial Conduct Authority FCA and the Prudential Regulation Authority PRA In brief the PRA will ensure the stability of financial services firms and is part of the Bank of England the FCA is a watchdog which monitors the behaviour of financial services firms The aim of this restructuring was to avoid a reoccurrence of failing banks and enormous state backed bailouts as have happened over the last few years Loss assessors must still be Authorised For the loss assessing industry this means that we now come under the auspices of the FCA But nothing else has changed by law a loss assessor must be Authorised by the FCA rather than the FSA which means they have met the stringent standards required to manage all aspects of an insurance claim on behalf of a policyholder This has been a legal requirement for loss assessors since 2005 and one thing we are very proud of at Morgan Clark is that we were the first firm of loss assessors to be authorised when these regulations were introduced So nothing has really changed as far as we are concerned and ensuring a firm is fully Authorised is still the only protection for policyholders if they decide to use a loss assessor Loss assessors how much do they cost Post by Morgan Clark April 3 2013 When we first visit someone after a fire or flood one of the first questions we get asked is how much will it cost to use your services People are often surprised when we reply that in the vast majority of cases our services are provided free of charge They think there must be a catch There isn t Most people who use a loss assessor to make their insurance claim also need the services of building contractors and if they decide to use our combined professional team of loss assessors and approved building contractors then we provide the service of making the insurance claim at no cost Our list of approved building contractors has been compiled over many years using stringent checks and measures to ensure the properties of our clients are restored to the highest standards and failure to meet our standards results in removal from our approved list All our approved contractors must also have Public Liability and Employers Liability insurance cover There s one important note we d say to anyone making an insurance claim the contractors and tradespeople you use to restore your property should be your choice As long as their quote is competitive insurance companies cannot insist you use their contractors Managing the claim from start to finish Our role is to manage the claim from initial inspection by one of our assessors through to final settlement The building contractor works directly for our client and then pays us a fee for managing all the suppliers

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/loss-assessors/#wpcf7-f1054-o1 (2016-04-24)
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  • The dangers of social media |
    and then the season starts in earnest Home security is always a niggling worry when you go away But these days it s even easier for thieves to work out when your home is empty because of what you post on Facebook Twitter Instagram and the rest I came across a great explanation of the dangers of giving away too much information on social media It s on the Neighbourhood Watch website and it shows really clearly how burglars are using social media to their advantage you can find it by clicking here We ve written before about the dangers of social media In brief thieves work out that you re away because your tweets or posts reveal that your house is empty as you re telling the world the fact that you re having a wonderful time on holiday To summarise Neighbourhood Watch s advice Don t automatically share location advice on social media Don t share your address Consider only sharing information with friends not friends of friends Consider taking a vacation from social media when you go on holiday Share your photos after your holiday not while you re away Share this page This entry was posted in Other Residential Articles and tagged burglary social media theft Twitter Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan Clark Fire and Flood Insurance Claims Management Residential Commercial Fire insurance claims Flood insurance claims

    Original URL path: http://www.morganclark.co.uk/about-us/blog/the-dangers-of-social-media/ (2016-04-24)
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  • Don’t tweet that you’re away |
    article in The Observer has reported research from The Cooperative Insurance that a quarter of those using social networking sites post pictures of their cars and homes and 14 per cent publish their address Now insurers are refusing to pay claims if the policyholder then reports on Twitter that they are on holiday If you have experienced a loss and are having difficulties with your insurance claim then it makes sense to use a professional to deal with your insurer Morgan Clark has worked on many difficult claims and helped our clients reach a satisfactory settlement within the terms of their policy Find out more about our claims management service and read how we ve helped our clients by clicking on a case study Share this page This entry was posted in Home Insurance News News Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9

    Original URL path: http://www.morganclark.co.uk/about-us/blog/dont-tweet-that-youre-away/ (2016-04-24)
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  • Before you batten down the hatches for winter… |
    t then any heavy rain water could overflow and cause significant damage And keep checking as autumn progresses and more leaves come down Check no 2 Look at your roof Have you got any loose or damaged tiles These can exacerbate the damage caused by storms So if you notice any broken slipped or missing tiles then call in a roofing expert to carry out some urgent repairs Check no 3 Mend your fences Fences suffer more than anything else during a storm and these often aren t covered by insurance so damage can lead to an expensive bill If a post or panel is even slightly loose then this creates a vulnerable weak spot Inspect regularly and repair immediately Check no 4 Leave nothing out Despite our terrible summer this year there was just about enough sunshine for us to get the sun loungers and barbecues out But we probably won t be able to use them again So put anything that s moveable away securely preferably in a locked shed or garage Check no 5 Trim your trees Weak branches can cause significant damage if they come down in a storm So check out your own trees and bring in a tree surgeon if you think any work needs to be done Also look at neighbours trees or trees in public spaces which are close to your property And as a last thought you might also like to check out the latest umbrella to come on the market It claims to withstand 65mph winds without turning inside out although one test lifted the user off the ground like a kite so we suggest you use it with a little caution You can read more about this by clicking here Share this page This entry was posted in Insurance

    Original URL path: http://www.morganclark.co.uk/about-us/blog/before-you-batten-down-the-hatches-for-winter/ (2016-04-24)
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  • Other Residential Articles | Morgan Clark
    home for the first time and start their courses at university One big difference between now and a few years ago is that it is so much easier now to stay in touch with them because of the internet mobile phones and social media But this also means they re likely to have much more valuable equipment with them making insurance even more important than in the past I saw a really useful article in the Guardian which looked at this whole subject It estimates that the average student has more than 2000 worth of laptops smartphones and bicycles with them and also that they are three times more likely to be the victim of a burglary than when living at home Students can often have cover via their parents own policy or they can to buy a specialist student policy But there are all sorts of caveats on the former which are explained really well in the Guardian article and the main advice is to check the small print on your policy You can also visit the Money Advice Service to find out more about the subject this is the really useful website of a government backed independent organisation which provides all sorts of help on how to manage your money Before you batten down the hatches for winter Post by Morgan Clark October 12 2012 Looking out of the window the rain is lashing down and the wind is stripping trees of their leaves Autumn has arrived with a vengeance and judging by what many of us have experienced over the last few years it s almost inevitable that there will be some wild winter weather again this year So before we all batten down the hatches and hibernate it s a good idea to make a few checks outside to help avoid damage to our homes if a storm hits Check no 1 Clear out those pipes Inspect your gutters drainpipes and air holes for blockages and to make sure they haven t worked loose If you don t then any heavy rain water could overflow and cause significant damage And keep checking as autumn progresses and more leaves come down Check no 2 Look at your roof Have you got any loose or damaged tiles These can exacerbate the damage caused by storms So if you notice any broken slipped or missing tiles then call in a roofing expert to carry out some urgent repairs Check no 3 Mend your fences Fences suffer more than anything else during a storm and these often aren t covered by insurance so damage can lead to an expensive bill If a post or panel is even slightly loose then this creates a vulnerable weak spot Inspect regularly and repair immediately Check no 4 Leave nothing out Despite our terrible summer this year there was just about enough sunshine for us to get the sun loungers and barbecues out But we probably won t be able to use them again

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/other-residential/#wpcf7-f1054-o1 (2016-04-24)
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  • New scrap metal Act comes into force |
    week The Scrap Metal Dealers Act 2013 gives police powers to close unlicensed scrapyards creates a register of dealers and requires dealers to record the ID of all sellers of metal Anyone collecting or handling scrap metal or running a motor salvage operation must now have a licence issued by their district council The increased cost of metal across the world has been the cause of the rise in metal theft which according to estimates could be costing the UK economy up to 770m a year English Heritage has revealed that 70 000 listed buildings have been damaged with metal thefts costing the Church of England 10m in 2011 Let s hope the new Act will reverse this trend Share this page This entry was posted in Theft Articles and tagged theft Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March

    Original URL path: http://www.morganclark.co.uk/about-us/blog/new-scrap-metal-act-comes-into-force/ (2016-04-24)
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web-archive-uk.com, 2017-12-17