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  • Domestic Boiler Cover: Homecall+ Goes Bust
    FCA rules This means that policies sold before December last year will still be in force and that people who have cover purchased before then will still be able to claim under them They will however have problems finding tradesmen and if you have a Homecall policy you may wish to look for cover elsewhere We offer a domestic gas boiler cover policy underwritten by Mapfre and administered by Broker

    Original URL path: http://www.portwood.co.uk/articles/homecallplus.htm (2016-02-12)
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  • Price comparison Websites - next mis-selling scandal
    4R The full letter can be found here A leading expert on insurance compliance has already voiced an opinion as to the impact of this review Our Opinion Over the years B Portwood Co Ltd have witnessed the development of price comparison websites continually noting how the products offered have provided ever worse cover lower policy limits and higher excesses than products sold through General Insurance Brokers The FCA do not mind what cover is offered to customers providing that a full disclosure of information about the cover is made before the product is purchased This means that if someone buys a policy online and full information is provided then they only have themselves to blame if the policy does not pay out for claims that would have been covered under traditional policies As a broker we have always maintained the the benefit of an insurance policy is NOT the price you pay for it it is how the policy pays out in the event of a claim and the service a customer receives during the course of the policy and when a claim is made Regrettably too many people find out the mistake in buying an online policy too

    Original URL path: http://www.portwood.co.uk/articles/aggregators.htm (2016-02-12)
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  • Car Insurance: now car insurance required for parked cars
    some people have been trying to run more than one vehicle relying on the driving other cars extension Not possible now in practice as a it must be someone else s car b that other car must be insured see a certificate of motor insurance and c many policies do not give driving other cars a comprehensive policy does not give that benefit automatically despite what people say In practice this is going to be very awkward if you buy a new car you must now tell DVLA that your car is off the road or insure it separately while waiting for it to be sold and the market for second hand cars isn t the best these days especially for gas guzzlers The avowed reason to stop people driving their cars while uninsured also seem a bit pointless the rogues won t register the cars in their own name if they bother doing so at all As insurance brokers of course we can usually arrange for the old vehicle to be insured as a temporary additional vehicle for up to a month without much problem usually we don t charge for this service other than the premium the insurance

    Original URL path: http://www.portwood.co.uk/articles/car-insurance-parked-cars.htm (2016-02-12)
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  • Why Travel Insurance is cheaper online - or how to rob the policyholder
    the fact that the excess on the policy is applied per person per section of policy for each claim made Thus for one instance the excess may be applied half a dozen times Our best travel insurance The Biba Contract offered by Tokio Marine only applies the excess once per person maximum of twice per claim not per section Of course this means it is a bit more expensive than

    Original URL path: http://www.portwood.co.uk/articles/travelinsuranceexcess.htm (2016-02-12)
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  • Car Insurance: Insurers still osing lots of money
    companies advertising on aggregator websites are not in fact insurance companies they are insurance intermediaries and to them the fact that the companies that actually insure the car are losing money is neither here nor there as long as they get their commission The same is true of the aggregator itself They get their money when a policy is sold through their website irrespective of whether it has been sold correctly the cover provided the claims service of the insurer intermediary or whatever There are only a few insurance companies that do not sell through aggregator websites e g Aviva Direct Line and they have to advertise constantly to persuade people to visit their websites as well as the aggregators to preserve market share although why an insurer would want a large slice of a loss making product I do not know In fact one remedy for insurers would be to pull the plug on intermediaries who sell through aggregators statistics show that policies sold face to face through insurance brokers have much better loss ratios Currently we are carrying a 15 increase of rates through our main insurer year on year this compares to the market increase of 40

    Original URL path: http://www.portwood.co.uk/articles/carinsurerslosingmoney.htm (2016-02-12)
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  • European Ruling on Gender Discrimination on car insurance and other products
    have increases but not as great Home Insurance Gender is not used as a rating factor Travel Insurance Gender is not used as a rating factor Caravan Insurance Gender is not used as a rating factor Pet Insurance Gender is not used as a rating factor Life Insurance The cost of life insurance related products for females will increase Pension The value of an annuity for a male will decrease Permanent health insurance The cost for a male for PHI will increase The opposites will hold true but any decrease in premiums or increase in benefits will no doubt be less than the increases in premiums and decreases in benefits This ruling will have a serious impact on those insurance companies that market directly to women such as Sheila s wheels and Diamond They will either be wound down and their portfolio transferred over to their associated main companies or they will still target women drivers in their marketing but have to offer equivalent rates for any males who apply to them Note that indirect discrimination e g loading for heavy manual workers who will be mainly male would also be interpreted as gender discrimination Another factor to consider is

    Original URL path: http://www.portwood.co.uk/genderruling.htm (2016-02-12)
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  • Classic car insurance for classic, veteran and vintage cars
    you know classic car insurance differs from other policies as it has many different benefits The most common differences in cover are shown below A classic car insurance policy has no no claims bonus clause your premium won t be affected by the occasional claim We can offer car insurance for an agreed value subject to sight of photographs An agreed maximum annual mileage is selected e g 1 500 2 000 3 000 5 000 etc the more the mileage the higher the insurance premium The policy unlike normal does not usually give driving other vehicles cover There is usually another car used as a main mode of transportation often insisted by the insurer The car should be garaged but our insurance can cater for ungaraged vehicles The car should only be used for pleasure use only but we may allow commuting as well All drivers on the policy must be mature and have good driving records We have cheap policies for risks in England Scotland or Wales see list They are all flexible and can cater for a wide variety of circumstances Use the form below to request a quote for classic car insurance Classic car insurance contact form Quotes designed for mature good drivers Note for veteran car insurance and vintage car insurance A vintage vehicle is a model that has been built on or before December 31st 1930 Similarly a veteran vehicle is a model that is built on or before December 31st 1919 Our policy can include both veteran and vintage vehicles Renewals When your policy is due a renewal notice will be issued direct at least 21 days before expiry A renewal declaration must be completed including a mileage declaration before we renew your policy If the renewal declaration is not received any agreed

    Original URL path: http://www.portwood.co.uk/classic-car-insurance.htm (2016-02-12)
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  • Classic motorcycle insurance quote - UK motorcycle users only
    arcade owner employee artist caravan dweller casino employee doorman bouncer night security on licenced premises entertainment industry dance television film theatre horse jockey trainer or the like be in the licenced trade licensee publican or employee market trader model musician National newspaper journalist photographer Nightclub owner employee dancer offshore gas oil rig employee professional sportsman road worker ashphalter scrap general dealer merchant or under 45 with no occupation No driver must have any disabilities medical conditions had insurance declined refused or special terms imposed or had any conviction within the last 10 years incurring a ban of 3 years or more There must be a maximum of one fault non fault non recoverable claim in the last three years totalling less than 5 000 including payments to other people and the claim must not involve personal injury malicious damage or vandalism There must be a maximum of 1 CD10 CD30 3 years OR 1 DR10 DR70 5 years OR 1 IN10 OR up to 2 of CU MS10 MS30 MW PC PL SP TS convictions Other convictions over three years ago can be ignored OTHER than DD20 40 DR80 90 Ignore spent convictions The bike may only be used for pleasure and travelling between home and permanent place of business providing no business calls are made during the journey The bike must be garaged in your own garage This does NOT mean garden sheds and the like We may be able to quote if you cannot meet the above but the risk will have to be referred to underwriters Value of motorbike 500 to 3000 Up to 4000 Up to 5000 Max TPFT Up to 6 000 Up to 7 000 Up to 8 000 Up to 9 000 Up to 10 000 Up to 11 000 Up to 12 000 Maximum Bikes of value less than 500 cannot be regarded as classics Cover Wanted Comprehensive TPF T TPF T cover is available for bikes less than 5 000 Age of Bike 1974 1985 1969 1973 1941 1968 Pre 1941 Annual mileage Up to 1500 Up to 3000 Up to 5000 Max Engine Size To 599cc 600cc Make of Bike The bike is NOT a Harley Davison The Bike IS a Harley Davison You will get a quote for a Harley subject to referral Members Club The proposer IS a member of an owners club The proposer is NOT a member of an owners club Proof needed for discount Total Convictions There are no driving convictions Up to 2 CU MS10 30 MW PC PL SP TS 1 CD10 CD30 and no other convictions 1 DR10 DR70 and no other motor convictions 1 IN10 and no other motor convictions regard 2 4 6 8 as the same as the 0 code Postcode Please confirm postcode where bike is garaged The postcode is NOT listed below B1 12 B18 21 BD1 10 E1 3 E4 18 EC all G1 5 L1 36 L38 L41 L42 L45 M1 34 M45 M50 M60

    Original URL path: http://www.portwood.co.uk/classic_motorcycle_insurance.htm (2016-02-12)
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web-archive-uk.com, 2016-10-22