Welcome.....
We are an Independent Insurance Broker and we specialise in arranging business insurance solutions complimented by risk management advice.
We recognise price is an important factor in any insurance contract and regularly review our clients programmes to ensure that they are receiving the right cover at a competitive premium.
How can we help you today?
Quotation Quick Links
*Subject to terms & conditions
News, Important Information & Updates, Special Offers - click here to view more
New client? Visit our other website dedicated to new clients - www.insureeasy.co.uk
TRADESMEN LIABILITY
Whatever your trade, we can offer cover to suit your needs.
From general low risk trades to high risk activities, we have access to a wide range of insurers who can provide the cover you need. A Tradesmen Policy can either be based on the number of people you employ (ideally suited if you employ up to 10 people) or for larger businesses it can be based on your turnover and wageroll.
Cover will be provided for your Public Liability (which covers injuries to members of the public or damage to third party property) and you can choose from any of the many extensions of cover, as follows:-
CALL US NOW ON
01737 373222
QUOTE REF T0411 AT
THE START OF THE CALL
TO CLAIM YOUR
10% DISCOUNT
BUSINESS INSURANCES
Tradesmen Liability
Van, Fleet, Motor Trade
Short Term Van Cover
Takeaway & Food Outlet
Property Owners-Residential Premises
Property Owners-Commercial Premises
Pubs, Bars, Clubs
Shops
Professional Indemnity
Directors & Officers
Office Insurance
Restaurants & Cafes
PERSONAL INSURANCES
Private Car Insurance
Home Insurance
Short Term Car Cover
iKube Young Drivers
Travel Insurance
RAC Breakdown
FOR ALL OTHER INSURANCES NOT SHOWN, CALL 01737 373222 OR CLICK HERE TO CONTACT US
Have you got Vehicle Breakdown Cover?
For a limited time, we are delighted to offer YOU Breakdown Cover from one of the UK’s leading Breakdown Services at prices you will find hard to beat!
Choose from 3 levels of cover to suit you…
ROADSIDE COVER for 12 months from only £32
ROADSIDE, RECOVERY, AT HOME for 12 months from only £70
ROADSIDE, RECOVERY, AT HOME, ONWARD TRAVEL & EUROPEAN COVER for 12 months from only £85
Membership covers you for more than just breakdowns, such as flat batteries, running out of petrol and locking your keys in the car.
Even if you do not insure your car or van with us, contact us for more information and a quotation on this essential cover
TO GET A QUOTATION FOR YOUR BREAKDOWN COVER, CALL 01737 373222
RAC Levels of Cover Comparison.doc
RAC TC incl European.pdf
Terms of Business V11.pdf
We have teamed up with....
We have teamed up with Aviva to give you access to their Private Car and Personal Home Insurance products online.
By clicking on the appropriate button on this page, you can request a quotation, you can retrieve a previously saved quotation to arrange cover and you can access your policy at any time to check cover or to make an amendment.
Access to these products is on a non-advised basis, which means that we will not be directly advising you on whether the product is right for you and suits your needs. You should therefore satisfy yourself before you proceed toarrange cover that the product is right for you.
We can still provide you with advice and quotations from a wide range of insurers and to discuss this further, you can call us on 01737 373222 or you can email us to request further details
Contact Us
Our Address & Contact Details
For correspondence and registered address
47A High Street, Banstead, Surrey, SM7 2NL
Tel: 01737 373222
Fax: 01737 373338
E-mail: info_cisl.co
Opening Hours
Monday to Friday 9am to 5pm
Important Note!
If you are contacting us to arrange cover or to amend your policy, it is essential that you understand that no cover is in place or implied until we acknowledge your instruction and provide confirmation of cover to you.
ACCIDENT MANAGEMENT CLUB
We have teamed up with BMS to bring you The Accident Management Club.
If you have a Car or Van insured with us, you automatically receive free membership which provides you with the following benefits:-
TO REPORT AN ACCIDENT, MALICIOUS DAMAGE, FIRE OR THEFT
Telephone 0845 6441449 or
Please specify that you are a Commercial Insurance Services Policyholder and have your policy documents to hand as you will need to provide some information from this
IF YOU NEED TO CLAIM FOR WINDSCREEN OR GLASS REPAIR/REPLACEMENT ONLY (Comprehensive policyholders only)
Telephone Autoglass on 0800 363636
Please have your policy documents to hand as you will need to provide some information from this
*Conditions apply
MOTOR CLAIM FORM.doc
Claims
Whatever type of insurance you have with us, there may be an occassion when you need to make a claim under your policy. All insurers have their own procedures which you need to follow in the event of a loss and you should refer to your Policy Booklet for full details. If you have any doubt whatsoever, please telephone our office at the earliest opportunity.
Depending on the type of insurance you have arranged and subject to ensuring that your policy provides the appropriate cover, you may be entitled to make a claim under your policy in this respect. A typical claim will fall under one of three categories:-
If you have suffered a loss which you do not think falls under any of these categories, please telephone our office on 01737 373222 and we will advise you on the procedure that you should follow
MOTOR
PROPERTY
LIABILITY
LIABILITY CLAIMS
In the event that an incident occurs for which you have insurance in place, you may need to make a claim under your policy and if this is the case, we want to help to ensure that the claim is dealt with in a swift and efficient manner. To do this, it is essential that you follow the claims procedure as described in your Policy Booklet and ensure that you provide any information requested by your insurer at the earliest opportunity.
In the event that damage has occurred to somebody elses property or if someone has been injured, you should not admit liability . It is possible that whilst you may feel responsible, there could be a reason as to why someone else may be repsonsible either in full or part. For this reason, the first thing that you need to do is notify your insurance company immediately and they can advise you on the best course of action. When we arranged your insurance, we would have sent your Policy Documents to you. Within the Documents there will be information about how to notify your insurer of a claim - this could either be a telephone claim helpline number for you to call or may require you to complete a claim form.
If you have any queries about the situation, or if you are not sure how to proceed, please telephone us on 01737 373222 or use the contact form to provide us with some basic details and we will contact you at the earliest opportunity
PROPERTY CLAIMS
Property claims could refer to damage to a building or structure or damage or loss to Contents and either way, this may be covered under a personal or a commercial policy.
The first thing that you need to do is notify your insurance company and they can advise you on the best course of action. When we arranged your insurance, we would have sent your Policy Documents to you. Within the Documents there will be information about how to notify your insurer of a claim - this could either be a telephone claim helpline number for you to call or may require you to complete a claim form.
INTRODUCERS
LINKS
Could you become an Introducer?
We are always looking for individuals and companies to introduce business to us on a regular basis in return for an agreed remuneration.
This is ideally suited to people who provide other services to business customers who may have a need for business insurance.
Click here to email Stuart Allen to request details
CAREERS / JOB OPPORTUNITIES
For further information on any current opportunities, please email a brief CV to s.allen_cisl.co
How to notify us of an amendment
If you need to amend your policy , we recommend that you telephone our office during office hours on
We can normally process amendments immediately.
Alternatively, you can use this form to contact us to provide details about the amendment required and
we will respond at the earliest opportunity.
Important!
If you are contacting us to arrange cover or to amend your policy, it is essential that you understand that no cover is in place or implied until we acknowledge your instruction and provide confirmation of cover to you. If cover is required urgently, you should telephone our office during office hours
Aged 17 to 25? Need a great deal on your young driver car insurance?
CALL i-Kube now on 0844 3460259 and quote reference INSEAS to get your quotation
*With our young drivers car insurance, dependent on the insurer scheme, we are able to offer a discount on the standard premium our insurer would charge customers directly, providing you agree to the installation of the i-kube GPS device to your vehicle and to the limitations regarding driving your car between 11pm and 5am.
Who Qualifies?
To qualify for the i-kube product you need to be able to confirm 'yes' to the following statements. If you can, give us a call and we'll get you our best price.
• You are aged between 17 and 25 years old
• You hold a Full UK or provisional licence
• You are the registered owner and keeper of the insured vehicle
• You are the main driver of the vehicle
• And if you are adding named drivers, you will be the youngest insured
• And the vehicle you wish to insure is not older than 16 years old
Ikube.doc
Your business probably has insurance cover in place for a wide range of eventualities,
however it is likely that this does not include Directors and Officers liability insurance (D&O)
As our claims examples highlight, if you are a Director or Officer, both the business and you personally, are currently at risk.
YOU ARE AT RISK PERSONALLY
To protect your company and your livelihood you should put this important insurance in place now.
It will provide you with protection and peace-of-mind against personal financial loss associated with claims of negligence or breach of responsibilities.
This is vital as legal actions can be brought from a wide range of parties including shareholders, creditors,
employees, contractors, regulatory authorities and the company itself.
DO Claims Examples.pdf
10 reasons to buy DO Insurance.pdf
SME’S AT RISK OF LEGAL ACTION
Even if you work for a small or medium sized business you still need D&O cover.
In fact, it is often considered easier to instigate legal action against smaller businesses, as larger organisations often have more people involved in decision making, making legal action more complicated.
DO Enquiry Form.pdf
.....or call us on 01737 373222
CLAIMS EXAMPLES:
A Director was sued by a collection of shareholders for negligence after the company's assets declined. After consultation with a lawyer, the decision was to settle out of court.
D&O insurance funded the final settlement as well as the legal costs. The sums involved would have been sufficient to personally bankrupt the director.
A Director was taken to court following claims of wrongful dismissal of an employee. This resulted in an employment tribunal, which is a full-scale legal hearing often lasting for months.
In this case, the director was found guilty and had to pay damages.
D&O insurance covered both the legal costs and damages.
Professional Indemnity Insurance (PI) provides indemnity (or compensation) against loss arising from claims made by unsatisfied clients. PI cover protects you by providing funds for the cost of defence against claims that there has been a breach of duty whilst acting in a professional capacity.
If you are a business involved in imparting knowledge or skill,
you should have Professional Indemnity Insurance
There are two types of professional liability which can be breached:
Contractual duty
The relationship between the professional and the client is often one
of contract. This means that there is a contractual duty on the professional to perform services to the best interests of the client. Most PI claims are bought under contractual breach.
Tort
Tort often involves negligence, infringing intellectual property, loss of documents or data and dishonesty. Tort is often described as a civil wrong which gives rise to action for damages.
PI for advice-based companies
PI has been developed from the change in working patterns from manufacturing to services. These services often involve the professional giving advice on a specialist subject such as marketing, interior design or accountancy.
Businesses involved in this type of advice-based service can be exposed to claims of professional liability.
Outline of PI Claims
A claim on PI is likely to result in a client claiming compensation for:
• Injury
• Damage
• Financial loss
This can cause a large financial drain, not to mention damage to professional reputation. For a claim to be successful, it must be demonstrated that the professional has departed from the accepted standard of their profession. However, even when a professional can successfully defend a claim, they still may incur a financial loss.
PI Proposal Misc.pdf
CLAIMS EXAMPLE:
Architects are increasingly seeing claims against them, because they act between the client and the contractor carrying out the work. This often means a fine line in whose responsibility it is to check the design of specific items such as curtains and flooring. One example of a recent claim includes a food supplier whose factory burned down after a fire started in a frying room. The food supplier took the architect to court for claims of negligence, for not specifying to the contractor that fire resistant panels must be used in the room.
The architect appealed an initial verdict that found them solely responsible and liability was apportioned between the two parties. Two-thirds of the claim was subsequently charged to the food supplier, as they had failed to arrange installation of fire resistant panels once they had realised the mistake. PI insurance covered the legal expenses and damages in this case.
©Commercial Insurance Services Ltd 2011. Registered in England No. 3364024. Authorised and regulated by the Financial Services Authority. This site is aimed at mainland UK residents only.
