*** LONDON AND ESSEX OPINION - PLEASE READ ***

Insurers place the onus on you to provide "all material information" (whether or not you are asked). Calls are often recorded - you don't even have to sign a form !!!

We have collectively over 50 years of experience in the business and we can tell you:

INSURANCE IS A MINEFIELD - PLEASE BEWARE.

Errors can and are easily made but insurers can't be blamed for refusing a claim for any risk they would not have taken if the correct details had been presented to them.

We have your best interest at heart - ask US if you aren't sure if information is "material" We're independent and will give you our best advice. We are here to protect - YOU.

AFTER ALL IS SAID AND DONE THE WHOLE POINT OF EFFECTING INSURANCE IS NOT TO SAVE A FEW POUNDS IN PREMIUM - IT IS TO BE SAFE IN THE KNOWLEDGE THAT IF THE WORST SHOULD EVER OCCUR YOU DON'T HAVE TO SELL YOUR HOME, BELONGINGS OR BUSINESS TO PAY FOR IT !!!

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"It is unwise to pay too much but it is worse to pay too little - when you pay too little you sometimes lose everything. The common law of business balance prohibits paying a little and getting a lot - it cannot be done."

"If you deal with the lowest bidder it is well to add something for the risk that you run - if you do that you will have enough to pay for better" JOHN RUSKIN (1819 - 1900)