Email: info@insurance-policies.co.uk 
Tel: 01769 572557 

Town & Country Insurance Blog 

Town & Country are proud to be working with ROKT on the UK's highest outdoor climbing wall! 

Higher than both the Tower of London and the Angel of the North, the towering ROKTFACE wall at ROKT climbing centre in Brighouse, West Yorkshire, will see people climb routes up to 36m. 
 
The climbing wall is being created on one of the faces of a sky-scraping disused grain silos, which sits alongside the Calder and Hebble canal.  
 
Around 2,500 bolts are being drilled to create up to 21 unique routes. 
 
It will give daredevils views of up to around 20 miles across Yorkshire – the UK’s biggest county. 
 
The routes have been set by respected climbers and range from 28m to 36m high. 

Today we learned via The Insurance Business Mag that Car Insurance premiums set to skyrocket! 

"Car insurance premiums rising isn’t always as bad a thing for insurance brokers as it is for customers – but trying to sell policies as they shatter through the £1,000 barrier might be.  
 
Unfortunately, it appears that is exactly where premiums are headed after the latest premium index was released. 
 
Earlier today, Confused.com and Willis Towers Watson released data showing that the average UK car insurance premium had climbed by 1.8% to stand at £781 during the first quarter of 2017. This, according to Confused.com’s head of data services Steve Fletcher has put premiums on track to “drive past the £858 peak 
 
However, this may be the relative calm before the storm." Source: Paul Lucas, Insurancebusinessmag 

£130 raised so far this year for our nominated charity of 2017! 

We've raised over £130 so far this year for North Devon Hospice, our nominated charity for 2017.  
A big thank you to all the staff that have been contributing towards our donation! 

Merry Christmas from everyone at Town & Country! 

After our donation to the food bank, the Christmas spirit isn't over yet! 
 
For the fourth year running staff at Town and Country have taken part in the Christmas Jumper Day, in aid of raising donations for save the children. 
 
The team here at Town and Country send winter wishes to you and your families. We appreciate our clients and want to say Thank You for your continued support and partnership.  
 
We look forward to working with you in the years to come. 

Town & Country supports local food bank this Christmas! 

Today at Town & Country it's been a celebration of giving. We've raised a mountain of food and supplies for the Northern Devon Food Bank in South Molton, Massive thanks to all the staff that got involved and contributed towards our donation! 

New staff member joins the team! 

We would like to express a warm welcome to James Gregory who joined our team on the 14th November 2016 as part of our continued expansion plan. 
 
James is originally from Barnstaple. He loves to play squash and is a keen football fan. 
 
Prior to joining Town & Country James was employed by Higos Insurance Services for 6 years, where he successfully completed his Cert CII exam. 
 
James will be working as an Account Handler in our Commercial Insurance department and we wish him all the very best in his new role. 

Mission:Complete 

For a second year running Town & Country insurance takes to the mud for Mission:Unbreakable. 
 
Completing this intensive challenge took team work, sheer grit and determination! 
 
Our team managed to finish in less than two hours, and we've raised a substantial amount of money for the North Devon Hospice. 
 
Congratulations to all the Town & Country staff who have completed Mission:Unbreakable.  
 
Well done guys! 

Town & Country staff take on Mission:Unbreakable in aid of North Devon Hospice! 

Town & Country Staff members have been working hard again this year to take part in Mission:Unbreakable which takes place this Sunday. 
 
Mission:Unbreakable is a tough 10k commando style obstacle course filled with real challenges, tested by mud, fire, water, ice and a range of assault course obstacles to conquer. 
 
The course has been designed with the help of Commando Engineers from 24 Commando Engineer Regiment, based at RMB Chivenor who will also be on hand to lead them through the Commandos warm-up, whilst also providing plenty of encouragement around the course. 
 
Mission:Unbreakable will take place on a specially designed 10km course, which goes through fields, rivers and forests. The terrain is rugged with plenty of hill and mud to make it even tougher. The start and finish point will be North Molton Sports Club. 
 
All their efforts are to raise vital funds for North Devon Hospice. If you would like to donate please follow this link: 
 
 
Good luck team!  

Congratulations Anthony for passing your Cert CII exam! 

Congratulations to team member Anthony Slingo who this month was added to the list of staff at Town & Country all holding professional qualifications from the external body the Chartered Insurance Institute. 
 
Anthony has now studied and passed examinations which entitle him to carry the title Cert CII. 
 
Town & Country is proud to sponsor and reward its staff for passing these exams which we believe show the company is committed it ever increasing professional standards. 
 
Well done Anthony! 

The team hit The North Devon Show! 

Did you spot us at The North Devon Show? The team were out on Wednesday 3rd August celebrating 50 years of the event! They were promoting our services and our sister company Town & Country Financial Advisers. The thousands of visitors were kept hydrated by the team giving, not only information, but free bottles of water.  
Well done guys! What a great day! 
Andy & Victoria looking good with their new T&C shirts! 
Just a few of the water bottles. 
Leila & Victoria working hard on that tractor. Good job girls! 
Some of the team even managed to get in the paper, I recognise those otters! 
Nice bomb Dan! 

The team is getting even bigger! 

Rob Ellis 
Danny Blazye 
Elle Sowden 
Nick Burkett 
We would like to extend a warm welcome to four new Acount Handlers. Rob Ellis has joined us from R K Shipman. He lives in Lapford and likes to spend his spare time walking his Staffie Dexter.  
Danny Blazye previously worked for an insurance broker in London. He moved to South Molton in May from London with his wife and son and is a keen football fan who enjoys spending time with his family and watching movies.  
Elle Sowden moved to South Molton from Watchet in Somerset. She has experience working in sales and operations and like to spend her spare time outdoors, enjoying tag rugby, cycling, and hiking. 
Nick Burkett has worked in insurance for many years, previously in North London before making the move to Ilfracombe 7 years ago. In his spare time he enjoys surfing, cylcing and walking the coast path. 

Justin joins the team! 

Town & Country would like to extend a warm welcome to Justin Jacobi who joined the team back in April. Justin has taken on the role of Account Handler and we are very happy to have him working with us.  
 
Justin lives in Taunton and has extensive experience and qualifications in insurance. He has previously owned his own business, so he understands more than most, the values of having the correct insurance covers in place. 
 
In his spare time Justin enjoys socialising with friends especially at quizzes and also likes fencing. 
 

Another new client! 

We are delighted to announce a major new contract with Philip Dennis Foodservice. Check out our full page article in The North Devon Journal.  
 

Two more additions to the team! 

Keep your eyes out for two new liveried Town & Country Insurance Services cars. Wave if you see us! 
 
 
 

Welcome two new staff members! 

We would like to extend a warm welcome to Tamsyn Medland & Ryann Marshall who have joined the team. 
Tamsyn has taken the receptionist role for Professional People "Connecting The Specialists". She lives here in South Molton and enjoys cooking for large groups of people, being from a large family herself she is used to things being a little hectic around the dinner table and loves it when everyone gets together to share their stories. She has 3 children and loves to work out bringing her 6 year old daughter along also. 
Ryann has joined us as an Account Handler. She is originally from Buxton in Derbyshire but moved to Devon 7 years ago. She previously worked in the hospitality industry and more recently worked in sales. She enjoys reading and spending her spare time with her family and two dogs, Earnie & Spud. 

New staff member joins the team! 

We would like to extend a warm welcome to Harley-Rose Jeffery who joined our team this week. 
 
Harley has taken on the role of account handler. 
 
Harley is from Barnstaple. She previously worked with children with behavioural problems and learning difficulties but has more recently been working in the sales industry. 
 
She loves to travel and tries to do as much of this as possible. She likes to spend her spare time walking with her spaniel "Buddy". 
 
We wish you all the very best in your new role! 

Insurance advice for flood victims! 

Thousands of homes were either left without power or evacuated due to the recent storms and many people are suffering repeat flooding to their homes or businesses. 
 
Advice from the "British Insurance Brokers' Association" to those affected includes: 
 
Do make simple emergency repairs: If possible take photographs of the damage first and keep all quotes and receipts. 
Leave dangerous work such as fixing the roof to professionals 
Turn the power off, if safe, in a flooded home 
Ensure homes are safe and secure before leaving to prevent further loss 
Keep damaged items for evidence of a claim. 
 
Many commercial insurance policies will cover damage to premises and stock but check that you have business interruption cover included on your policy to cover for loss of trading. 

It's Christmas! 

Merry Christmas from everyone at Town & Country! 
 
The staff took part in Christmas jumper day again this year and raised £20 for save the children and donated to the South Molton food bank collection. 
 
Thank you to all our staff for your effort, dedication and commitment this year. We wish you and your families a Merry Christmas and prosperous New Year. 
 
We would also like to thank all our clients, we appreciate your business and wish you all the very best for Christmas and the coming New Year. 
 

Mission:Complete 

Congratulations to the Town & Country staff who completed the gruelling challenge Mission:Unbreakable on 1st November.  
 
What an amazing effort!  
 
They showed determination, courage and team work to complete the course and managed to finish in less than two hours.  
 
They raised a total of £753 for North Devon Hospice. 
 
Well done guys! 
 
Pictured left to right, Anthony Slingo, Oliver Wilson, Valentine Verrijken, Sara Dixon, Julia Mitchell and Lisa Shuttleworth. 

Town & Country staff take on Mission:Unbreakable in aid of North Devon Hospice! 

Town & Country Staff members Oliver Wilson, Lisa Shuttleworth, Sara Dixon, Anthony Slingo & Valentine Verrijken have been working hard ready for their Mission:Unbreakable challenge which takes place this Sunday. 
 
Mission:Unbreakable is a tough 10k commando style obstacle course filled with real challenges, tested by mud, fire, water, ice and a range of assault course obstacles to conquer. 
 
The course has been designed with the help of Commando Engineers from 24 Commando Engineer Regiment, based at RMB Chivenor who will also be on hand to lead them through the Commandos warm-up, whilst also providing plenty of encouragement around the course. 
 
Mission:Unbreakable will take place on a specially designed 10km course, which goes through fields, rivers and forests. The terrain is rugged with plenty of hill and mud to make it even tougher. The start and finish point will be North Molton Sports Club. 
 
All their efforts are to raise vital funds for North Devon Hospice. 
 
Good luck team! Don't break anything other than the challenge! 

AA reports 5.2% rise in motor insurance prices! 

A recent survey suggests that Car insurance premiums have risen for the first time in nearly three years, with young drivers facing the biggest increase. 
 
The AA's index of the cheapest deals on the market showed that the cost of annual comprehensive car insurance rose by 5.2% in the three months to the end of June. 
 
Drivers aged 23 to 29 have seen a 6.2% rise over the same period, the biggest increase of any age group. 
 
The AA estimates that the rise in insurance premium tax, announced by Chancellor George Osborne in the Budget, will add £18 to the cost of the average comprehensive car insurance policy. 
 
The insurer also reported a 1.3% rise in the index of cheapest home and contents insurance premiums, the first increase since 2012. 

Shock News - 60% Hike in Insurance Premium Tax! 

From November 2015 the standard rate of Insurance Premium Tax will be increased from 6% to 9.5%. 
 
The Chancellor yesterday announced an almost 60% rise in Insurance Premium Tax from the current rate of 6% to 9.5% with effect from 1st November. This 'stealth tax' will increase the cost of all general insurance policies sold - including business and commercial insurance. Private individuals and the 20.1 million households with contents insurance; 19.6 million with motor insurance and 17 million with buildings insurance will also be subject to the rise. 
 
BIBA said it was 'extremely disappointed' in the decision to increase Insurance Premium Tax (IPT) to 9.5%. Following the announcement by Chancellor George Osborne in the summer Budget for 2015 BIBA's executive director Graeme Trudgill tweeted: 'IPT up to 9.5% from November makes a mockery of the insurance growth action plan and efforts to reduce cost of motor insurance.' The association described the rise as a 'stealth tax'. 

Two more staff members join the team! 

We would like to extend a warm welcome to Anthony Slingo & Grenville Coakes who joined our team last week. 
 
Anthony moved to Great Torrington last September from St. Day in Cornwall. He enjoys walks in the country and going to the beach. For the last four years Anthony has been working at Swinton Insurance in their Personal Lines department. Anthony will be working as an Account Handler with our Commercial Combined team. 
 
Grenville is originally from Taunton and now lives in Milverton. He loves cycling and walking with his wife and labrador, which usually includes a visit to the pub! He has over 25 years experience in insurance including 10 years working for Lloyd's brokers in London and he joins us from Poole Martin Ltd in Bristol. Grenville will be working as a Commercial Account Executive. 
 
We wish you both the very best of luck in your new roles! 

Further new staff member joins the team! 

We would like to extend a warm welcome to Laura Kitto who joined our team this week. 
 
Laura has taken on the role of Trainee Administrative Assistant and will be responsible for supporting Emma Tucker, Practice Manager and Sabrina Hodge in Accounts. 
 
Laura lives in Bideford and enjoys running and going to the gym. She previously worked at The North Devon District Hospital where she was employed as a Theatre Support Worker. 
 
We wish you all the very best in your new role! 

New Extended Opening Hours With Effect From Now! 

As you know Town & Country are fierce about customer service levels – we constantly strive to improve and change to reflect the needs of our clients. 
 
We know how difficult it can be for you to find time in the day to call in and speak to us, so for your added convenience our office is now open from: 
 
8.30am to 6.30pm Monday to Thursday 
8.30am to 5pm on Friday 
 
Going the extra mile! 

New Developments for 2015! 

We are pleased to announce that something new and exciting is about to come to 16/17/18 East Street, South Molton. 
 
Keep checking this page for more updates! 
 
All will be unveiled shortly........ 

Novel Parking In Barnstaple! 

A Ford transit van got ‘wedged’ in Grenville Street, Barnstaple after colliding with three parked cars on Tuesday of this week. 
 
The van was in a collision with three parked cars - a Mazda Bongo, a Fiat Doblo and a Volvo V40. 
 
It is understood no one was injured but there was damaged caused to the parked cars and paramedics were called to the scene as a precaution. The road was cleared at 9.15am that morning. 

Two More Staff Pass Their Certificate CII Examinations! 

Congratulations to team members Sara Dixon and Lisa Shuttleworth who have in March added to the list of staff at Town & Country holding professional qualifications from the external body the Chartered Insurance Institute. The examinations will entitle Sara and Lisa to carry the title Cert CII. 
 
Town & Country is proud to sponsor and reward its staff for passing these exams which we believe show the company is committed in it's ever increasing professional standards. Well done to you both! 

Technology Means You Just Can't Get Away With It......... 

A Kent man has been jailed for 14 months after falsely claiming that a hire car he had crashed had actually been stolen from him. 
 
The car (an Audi) had in a built in Telematics system which showed that Scott Kenten had been travelling at more than 100mph before he crashed. 
 
CCTV footage showed him refuelling his car after the time of the supposed theft. 

A new staff member joins the team! 

We would like to extend a warm welcome to Julian Sage who joined our team on 5th January 2015 as part of our continued expansion plan. 
 
Julian is originally from Barnstaple and has 2 young children. He is a keen football fan and a country lad at heart. 
 
Prior to joining Town & Country Julian was employed by NFU Mutual in Barnstaple for 3 years and further to this transferred to the regional Exeter Branch where he worked as a Sales Executive dealing with all types of insurance. 
 
Julian will be working as an Account Handler in our Package Insurance department and we wish him all the very best in his new role. 

Leisure Account Executive to attend The Telegraph Outdoor Adventure & Travel Show at Excel, London! 

Our Leisure Account Executive, Laura Sweet will be attending the Telegraph Outdoor Adventure & Travel Show in The Excel Centre, London on Thursday 12th February 2015. 
 
Whilst at the show Laura will be catching up with existing clients, checking out the Bouldering Wall Town & Country are insuring for the event and is hoping to meet some new faces as well as seeing 'what's new' in the industry. 
 
If you would like Laura to drop by, send us a message and she will arrange to see you there! 

Our New Look Modern Office Is Now Open! 

We are excited to announce that our new office opened it's doors for the first time in the New Year. Town & Country purchased the adjacent building 17 and 18 East Street, formally The Tiverton Inn at the beginning of last year and having secrured planning permission completed the property transformation in time for 1st January 2015. Our 12 month deadline to complete the project was tight but thankfully has been met; most probably because we are used to working with tight deadlines from our customers! 
 
The refurbishment took the building back to beyond bare walls; we have replaced the roof and windows and have massively invested in new technology to create a 21st century brokerage capable to service clients anywhere in the UK. 
 
The new office has been dressed in very much the latest 'Google Office Style' with Art work being completed by a local college student, Ryan Issac. Six pictures in total were commissioned and they depict 'Insured Perils' in a modern style. The Art was printed to the entire walls or feature prints by local specialists 'The Design Shop' and create a big visual impact. We welcome anyone to come in and take a look! 
 
Managing Director, Richard Bushnell has commented "Town & Country is a locally owned truly independent Insurance Brokerage. We work on personal first term names with our clients acting like their own in-house insurance department, representing them not only in the purchase of their products but also in the on-going administration and through of course the most important aspects of claiming. We have settled multi-million pound losses without issue and we hold agencies with dozens of different insurance providers from Aviva to Zurich so we can always find something suited. Town & Country staff are well versed in the usual and the most complicated risks and they all have CII Qualifications or have obtained relevent courses'. 
 
Town & Country have retained the former office at 16 East Street and will redevelop that to the same high standard and to allow plans to take the current workforce from 20 plus to 30 plus in the next couple of years. 

Town & Country Sponsor Local Football Team! 

Town & Country have invested in a new kit for the Barnstaple based, Eastside AFC Youth Football Club. The club was established in 2007 for boys & girls aged 8-15 to provide an opportunity to play competitive Football. 
 
Managing Director, Richard Bushnell is an avid supporter of the club with his son being a player for the team. Town & Country hopes its continued support will help the club to continue to grow & reach greater heights in the future. 
 
Good luck for 2015 Eastside! You all look great in your new kit! 

Congratulations To Staff Passing CII Exams! 

December 2014 
 
As part of our continuing programme to professional standards Town & Country Insurance is pleased to see Leila Reed, Aaron Cole, Liz Irwin, James Stone and Neusa Fragaso all with their Cert CII qualifications. 
 
Well Done to you all! 

Santander Terminates All Agency Operations. 

On the 10th of February by email all Agency principals were summoned to a 'dial-in' telephone briefing to be released at 4pm on the 12th by Divisional Director for Agency Distribution, Paola Jones. 
On the 10th of February by email all Agency principals were summoned to a 'dial-in' telephone briefing to be released at 4pm on the 12th by Divisional Director for Agency Distribution, Paola Jones. 
 
The 'Dial-In' gave the shattering news to all agents that Santander were giving all its (circa 150) Agencies 6 months notice as per the recently revised contract terms. 
 
It is a matter of fact that all Agencies are to close, including our own and we are very saddened to have to bring that news to our many supporting customers. 
 
Santander agencies to our understanding will cease to operate by the end of August at the very latest, it is possible many will close before. Obviously many of Santanders own staff responsible for the management of the structure are likely to have been placed under threat of redundancy and the staff of the agency network themselves will undoubtedly have to shed many hundreds if not thousands of jobs as it struggles with the consequence of the decision. 
 
We personally are very saddened with the outcome and our thoughts are with those under threat of job loss, we apologise to our customers but can do little. 
 
The agency network was traditionally operated from high street offices of the professions, many in rural communities or smaller market towns where this loss of a local banking operation will be further decimating to an already weakened high street struggling to regenerate from a recession, elderly customers will have to travel or possibly even via the onslaught of telephone banking forgo totally the face to face support they associated with our physical premises. 
 
Insurance Brokers and Accountants as well as Solicitors and Estate Agents acting as Agencies have relied upon this secondary income stream throughout the recession to keep their businesses operational, the loss will still make many such businesses unviable and place significant strain upon others. 
 
Santander had previously not communicated any intention of review or closure to its agents and in fact only had recently undertaken annual reviews with this particular Principal on its aims and objectives for the coming year. 
 
Many agencies including our own were showing their best ever figures and continually achieving targets placed upon them. 

Town & Country Sponsor Local Football Team! 

You may have heard of “Crash for Cash” scams where fraudster are instigating motor accidents in order to gain cash from insurers. This is costing insurers nearly £400 million a year. 
Well, now there's a new threat from the fraudsters affectionately termed “flash for cash”. 
 
Fortunately, this does not mean fraudsters are lining the road sides in trench coats distracting drivers, thus causing accidents, although we would not put it past them. 
 
No, it is a way of getting you to pull out of a junction by flashing their head lights at you, giving you a false sense of security that they have “flashed you out” and make your manoeuvre out of the junction. 
Then, instead of stopping, as soon as you make the move on to the road, the fraudsters are then accelerating thus instigating the accident and ultimately putting you to blame for the incident for pulling out on them at a junction. Charming. 
 
Thankfully, insurers and the police are taking these crimes seriously and examples of cases being exposed and convictions made are becoming more and more prevalent. 
For more information on "Flash Cash Scams" use this link. 
 
For more information and advice on the “flash for cash” scam, there is some further reading from the Association of British Insurers here 
 
Fundamentally, the police and insurers top tips for avoiding this form happening to you is “Never assume it is safe to proceed, and to use your own judgement carefully” as well as the usual request for witnesses which may help your case should it go further. 
 
If you suspect you have been a victim of "Flash Cash" call your insurer or broker straight away for advice on how to handle the next steps to ensure your not left footing the entire bill, of you are with an insurance broker, give them the details and allow them to take care of it. 
 
We are advising all of our customers to be wary, this is not a common occurrence on the roads but trust your instincts

Uninsured Drivers increase the cost of Insurance by £33 per policy! 

The AA Insurance director recently commented that uninsured driving adds £33 to every motor insurance policy, and so welcomes the recent hike in the cost of the fine if you are caught driving without insurance from £200 to £300. But with the majority of offenders being young drivers who face disproportionate cost of insurance (average cost of comprehensive insurance for the 17-22 is £1800) is the offence vs. punishment really act as incentive not to offend and in many cases re-offend? 
 
A few facts about Driving Without Insurance (Sourced from The Motor Insurers' Bureau): 
Uninsured and untraced drivers kill 130 people and injure 26,500 people every year 
The annual cost of uninsured driving is estimated at £400m 
Nearly 2,500 uninsured vehicles are seized by police each week 
In 2012, police seized more than 135,000 vehicles 
The level of uninsured driving has fallen by 40% since 2005 
 
We can't forget that not all of these instances of driving without insurance are done as a deliberate policy avoiding act, some people genuinely have insufficient cover or have let their policies lapse for one reason or another, but that only accounts for a fraction of the overall percentage. 
 
For more information about our motor insurance policies use this link: Motor Insurance Policies 
For classic cars or specialist vehicles use this link: Specialist Motor Insurance 
For trade inquires, please take a look at this page: Motor Trade Insurance 
 
For more information about renewing your motor insurance policy please email richard@insurance-policies.co.uk

Town & Country insurance is just closing one of its clients largest claims at a total cost of over £2,500,000 

Managing Director Richard Bushnell was proud to be able to report that the policy had settled the loss in full and made a substantive difference to the ongoing life of an individual seriously injured in a work place accident, he commented ‘not that it should make a difference but the policy bearing the cost was only a very small premium, and the incident itself was something that could have happened to anyone of us at any time’ ‘It was a tragic event of life changing magnitude, but this is truly what liability insurance has to be for, a social pool where the many pay premiums and for the needs of the few to be rightly covered’ 
 
Town and Country prides itself on making sure that its policy holders buy the right insurance to cover the exposure they face in everyday business life and all for the minimum of premiums, with many agencies they match policyholder to the right insurer to cover and all for the minimum premium, contact us on 01769 572557 for further detail. 
Or alternatively use this link to send us an Email

Lemma Insurance Goes Bust / Bankrupt / Liquidation. 

Lemma Europe Insurance Company froze claim payments and then went into liquidation after running into financial difficulties. 
 
Lemma underwrote a number of risks in the UK including Liability, marine, bloodstock, material damages on packages via a number of underwriting agencies, household and were in fact reportedly the sixth largest insurer in the solicitors professional indemnity market writing £62.4m premium income. 
 
2009 Lemma Europe was £349,500 behind its required solvency requirement 
2010 Lemma recapitalises and shows itself 317,000euros above its requirement 
2011 Lemma increases its reserves to 766,000euros above its requirements 
 
1st August 2012 - The FSC orders Lemma to stop issuing new contracts. 
19th September 2012 - The FSC presents a winding-ip petition for Lemma to the Supreme Court of Gibraltar, payments from the companies account were frozen. 
28th September Grant Thorton (Gibraltar) appointed as provisional liquidator 
 
Source I.T.Mag 28/10 
 
As we understand claim payments from insurers are frozen we have recommended all clients with Lemma seek alternative insurances with immediate effect, please contact the offices to discuss and of course for more detail on how potentially the FSCS Financial Service Compensation Scheme may be able to help on individual cases. 

Dan Corlett, Suzanne Sanins and Kaytie Kempf Pass Cert CII. 

Congratulations to team members Suzanne sanins, Dan Corlett and Kaytie Kempf who this month have added to the list of staff at Town & Country all holding professional qualifications from the external body the Chartered Insurance Institute. 
 
Suz, Dan and Kaytie all have now studied and passed examinations which entitle themselves to carry the title Cert CII. 
 
Town & Country is proud to sponsor and reward its staff for passing these exams which we believe show the company is committed it ever increasing professional standards. 
 
Well done guys! 

HSE Fine For Waste Company - Vehicle Reversing Causes Death 

It has been reported that a waste company has been fined £250,000 after one of their bin lorries ran over and killed a member of the public. The Health and Safety Executive (HSE) prosecuted the company concerned based in Sussex, after they were found to have breached health and safety laws which led to the death of a member of the public. 
 
Lewes Crown Court heard that on the 5th March 2007, the injured person was hit by a refuse vehicle as it reversed up a street in Brighton city centre at 6.20am. The driver did not realise he had struck the person concerned until her body lay about three metres in front of the vehicle. The injured person died shortly afterwards. 
 
The HSE investigation found that the driver reversed the refuse collection vehicle without a banksman (known as a reversing assistant) contrary to Team Waste’s operating policy. The vehicle also had defective CCTV at the rear and the audible reversing siren was turned off. The driver believed such alarms were prohibited before 7.00am. The waste company failed to ensure that control measures identified in their own risk assessment were put into practice. 
 
HSE’s Inspector Sharon Humphrey said, “Waste collection on public streets can be a high-risk activity if not properly planned. The law requires employers to assess the risks to its employees and members of the public. “This incident could have been prevented had simple, low cost and readily available precautions been put in place”. 
 
Detailed guidance, which is freely available from the HSE, outlines the requirements of the law and provides advice on the practical measures to take. However, some measures that could have been taken are: 
 
To have a “banksman” person – they would clearly see and identify any reversing hazards on behalf of the lorry driver; 
Ensure all vehicle CCTV is fully working, perhaps introduce daily checks where any defects can be reported and corrective action taken; 
Ensure reversing audible siren is fully working which should make people aware of when the vehicle is in reversing motion; 
All the above should be documented in a risk assessment and fully explained to all relevant staff. 
 
Town & Country can offer various Employment and Health and Safety solutions to assist your business staying within frameworks of legislation, 
email richard@insurance-policies.co.uk for more detail. 
www.bibbycas.com summer 2011 edition 

Expansion At Town & Country! 

August sees the office staff numbers at record levels, Jess Pope has returned from her sabbatical (12 months of travelling Australia & New Zealand) and has taken up the role of Training Manager as coinciding with her return Neusa and a second Emma have joined our expanding team. Alan Jukes as another recent staff member continues the expansion of the farm account while the two new ladies will concentrate on developing the thriving Motor Trade Account and developing the Santander Banking facilities. Town & Country now employs 15 staff at its South Molton offices and has 4 further colleagues in the Financial Services business within the same building. 

The law on riot compensation 

Riot (Damages) Act 1886 
 
Compensation to persons for damage by riot. 
 
(1)Where a house, shop, or building in [a police area] has been injured or destroyed, or the property therein has been injured, stolen, or destroyed, by any persons riotously and tumultuously assembled together, such compensation as hereinafter mentioned shall be paid out of [the police fund] of [the area] to any person who has sustained loss by such injury, stealing, or destruction; but in fixing the amount of such compensation regard shall be had to the conduct of the said person, whether as respects the precautions taken by him or as respects his being a party or accessory to such riotous or tumultuous assembly, or as regards any provocation offered to the persons assembled or otherwise. 
 
(2)Where any person having sustained such loss as aforesaid has received, by way of insurance or otherwise, any sum to recoup him, in whole or in part, for such loss, the compensation otherwise payable to him under this Act shall, if exceeding such sum, be reduced by the amount thereof, and in any other case shall not be paid to him, and the payer of such sum shall be entitled to compensation under this Act in respect of the sum so paid in like manner as if he had sustained the said loss, and any policy of insurance given by such payer shall continue in force as if he had made no such payment, and where such person was recouped as aforesaid otherwise than by payment of a sum, this enactment shall apply as if the value of such recoupment were a sum paid. 

This Weeks Riots 

Individuals and business owners caught up in the disturbances of the last couple of nights will almost certainly be covered for loss or damage to their property under their insurance policy either under the perils of theft, malicious damage or, more probably, the peril of riot. In fact, experts are already predicting that the total cost of insurance claims from the riots will be between £200m and £500m. 
 
The current law relating to riot damage allows insurers to recover some of their outlay for riot property damage claims from the local police authority but only if they lodge their claim with the relevant police force within 14 days of the riot. Therefore affected policyholders are strongly advised to contact their insurance broker without delay to ensure that they comply with their policy conditions relating to the prompt notification of riot damage claims.