News

Promotion Promotion!!

Airsports Insurance Bureau would like you to join us in congratulating two internal promotions.

 

Jenna Stronach has been promoted to the role of Renewals Manager. Jenna will run the department, looking after our ever growing motor, home, travel and commercial policyholders needs, when due for renewal.

Jenna Stronach

Megan Greer has joined the Administration Team as Administration Manager, with a team reporting to her. This role will also assist the development of our sales team and encompasses all press releases and social media.

Megan Greer

Both roles will report to our Managing Director and will continue the development of our insurer relations, as well as the pursuit of exceeding expectation, creating the best possible client experience.

 

Kirby De-Gray Birch said: “Jenna has been an asset to the business for a long time and knows lots of our clients. She’s led the new sales for our high net worth clients and has a good understanding of our diverse products. Megan has been with us for many years too and has a natural enthusiasm for looking after clients. Managing people and their work loads will be an exciting challenge for both ladies. I’m confident they will both be a success, further enhancing the client’s experience when dealing with our business”.

 

If your insurance is due for renewal with us and you want to get in touch, Jenna and her team can be contacted on 02380 268351 or email them at renewals@aib.co.uk

 

Likewise, if you have a query with your existing policy, Megan’s team can be contacted on 02380 268351 or email info@aib.co.uk

DRIVING OUT OF LOCKDOWN

DRIVING OUT OF LOCKDOWN

After a very strange, uncertain few months in a quieter world in lockdown, we are now seeing a slow return to normality. One thing that has remained certain however, is the need to keep your vehicle taxed, insured and properly maintained.

 

 

 

If you have been driving less and it looks like your vehicle use is still going to be much reduced, we have come up with a few tips and guidance points to help you navigate your way through a post-lockdown gear shift.

 

WHAT CHANGES SHOULD I FLAG UP WITH MY INSURANCE?

 

THE DAILY COMMUTE

Yes, you may be enduring or indeed loving, working from home at the moment. Trying to juggle home schooling or conducting business meetings over video calls (wearing business attire from the waist up of course) might mean your weekly commute has shrunk. Whilst saying a temporary goodbye to traffic jams and the daily grind is welcome, if your insurance covers SDPC (social, domestic, pleasure and commuting) you may want to call us if your vehicle use is going to change.

 

VEHICLE PARKING

Let us know if you are going to be keeping your vehicle somewhere different to that specified on your policy.

 

ANNUAL MILEAGE

Again, let us know if your anticipated mileage for the year is going to be much lower.

 

TO SORN OR NOT TO SORN, THAT… IS THE QUESTION…

If the pandemic means you’re not going to drive your car at all, you might want to consider taking it off the road altogether. A SORN is a Statutory Off Road Notification. Once a car has been declared as SORN, it must not be driven or even parked on a public road. You will need to keep your car on your driveway, in a garage or on private land. Otherwise, if you intend to drive your car at any time, even if it’s just to the local shop to get those all essential home working items (basically, tea/coffee/biscuits and lots of it), then usual rules apply: pay your vehicles tax, either through the Government portal – you will need the reference number from your vehicle tax reminder form (V11), or the vehicle code from your V5C or green ‘new keeper’ slip.Or pay at your local Post office.

 

BREAKDOWNS

AIB offer 3 levels of breakdown cover, To speak to one of our team you can call us on 02380 268351 for a competitive, tailored quote.

 

Both the AA and RAC have made it clear they are fully operational. By strictly following government and public health advice they have adapted their ways of working, including social distancing and the use of PPE. In the event of your vehicle needing to be towed, you can now travel safely within their vehicles again, however they are encouraging drivers to always carry a face covering. If you are self isolating/shielding or come into contact with the virus, bottom line, let the company know when you call them and they will do their upmost to get you back on the road as quickly as possible, armed with the correct knowledge of your situation.

 

DRIVING EXPERIENCE, POST LOCKDOWN

If you haven’t driven for a while during lockdown, you may want to familiarise yourself with driving again on quieter roads that you know well before attempting a longer trip. Be aware of other road users, particularly the increase in cyclists and walkers. Expect possible road modifications in cities to accommodate more cyclists or widening of pavements to accommodate social distancing and bus/cycle corridors.

 

Reassure yourself that your car is in good working order after being used less. MOTs due from 30th March 2020 have been given a 6 month extension but are still expected to be kept in a roadworthy condition. Giving your vehicle some TLC and carrying out some routine checks will ensure you feel confident about it’s safety. Here are some quick tips on what to check.

 

STAY HYDRATED

Ensure your car operates to the best of its ability by checking on it’s essential fluids: brake fluid, coolant, oil and windscreen wash.

 

RUBBER SOUL

Keep on top of the tread and condition of your tyres. There should be no cuts, or cracking visible and they should have at least 2mm of tread as the legal limit is 1.6mm. If you haven’t driven for a while, check your tyre pressures as it’s likely they will have gone down somewhat over time. Under inflated tyres can increase fuel consumption and affect braking performance.

 

BATTERY POWER

To ensure your battery doesn’t go flat through lack of use, get into the habit of periodically starting the engine and leaving it running for a little while. Another option to consider is investing in a trickle charger to keep your battery topped up. A trickle charger is a car battery charger designed to be left on a car for a long period of time to re-charge the battery. You would need proximity to a mains supply to use one so consider this before purchasing from a range of options online. Keep some jumpstart cables in your car in case of a flat battery whilst out and about.

 

LIGHT THE WAY

Part of any vehicle’s basic checks include the lights. Check your high beams, dipped and indicators and buy bulbs to replace them if any are out. If possible, ask someone to help you, including checking the brake lights are active, or park in front of a reflective surface such as a window, to see for yourself.

 

PUT THE BRAKES ON

Try your brakes gently before setting off to ensure they’re working properly. Whilst driving, listen for any crunching or grinding noises which may indicate corrosion.

 

DRIVING SOMEONE ELSE’S VEHICLE

You may have elderly parents, relatives or friends, or acquaintances that are vulnerable or high risk and are self isolating, or cautious about making their first foray back to the shops.

 

They ask you to do their shopping. You scan their shopping lists and then have to make that all important decision on Waitrose or Aldi… can you get away with a quick trip to the local corner shop… how far are you prepared to drive to find that rare type of spice they simply must have for their Friday stay-at-home curry recipe… however far you intend to go, if you’re not listed as a named driver on someone else’s policy, you can only drive their vehicle if you have their permission. You’ll also need a comprehensive insurance policy which includes ‘driving other cars’ (DOC), giving you the minimum legal standard of insurance (third party cover) in emergency situations only.

 

You could face strict penalties if you’re caught using another person’s vehicle without insurance or the owner’s permission so don’t risk it!

 

FILLING UP

Additional safeguarding whilst filling up has been recommended by Public Health England. Despite clarifying that motorists are at no greater risk of getting coronavirus from a pump than handling any other hard object, it’s wise to wear gloves and wash your hands after using the pumps to lessen any potential risks.

 

Individual fuel retailers are free to enforce their own rules on their forecourts, including use of face coverings so just be aware when you pop into the shop for that much needed travel snack and drink.

 

You can also pay by contactless at many pumps around the country, meaning you don’t have to go into the store itself and the limit on card use has been upped to £45.

Introducing Scott Paddington….

Due to continued supersonic growth and expansion this past year, the Airsports Insurance Bureau team are very pleased to welcome Scott Paddington as our new Insurance Consultant as part of the Sales team. Scott will be responsible for ensuring each and every one of our valued clients get the very best in dedication and service.

Scott Paddington

 

Scott is a local lad, born and bred in Chandlers Ford and attended Toynbee School. Previously, he worked within the sales department at Snows Motor Group. Prior to that, he worked at both the Hendy Group and Abbey Park Cars. Scott has many transferable skills and possesses a natural interest in all vehicle types. We are confident he will be a valued asset to our team.

 

FAST FACTS: 

Scott was born on the same day as his brother, 8 years apart! 

 

Scott’s claim to fame is that the previous owner of his home address was former Southampton, Chelsea and Republic of Ireland International footballer, Andy Townsend. Andy is now a well known sports panellist and commentator.

 

WE SAY:

“Scott’s joined us recently and hit the ground running. His knowledge of cars is very apparent which compliments his experience and enthusiasm in giving our clients the best quality of service. He’s already insured a couple of his friends and family who are now happy customers of AIB”

Lotus launches new Certificate of Provenance by honouring Colin Chapman’s last car – newly acquired by Lotus

Lotus is launching a new Certificate of Provenance programme, revealing the first recipient as a stunning and celebrated Turbo Esprit that was the final ‘company car’ of Lotus founder Colin Chapman.

  • Vehicle provenance documents and highly desirable Lotus collectables now available to Lotus owners worldwide
  • First recipient is a stunning 1981 Turbo Esprit, authenticated as Lotus founder Colin Chapman’s last ‘company car’
  • UK Prime Minister Margaret Thatcher also drove it, further increasing its provenance
  • Recently acquired by Lotus, the Esprit will be restored and join the company’s collection

The 1981 model, which was also driven by UK Prime Minister Margaret Thatcher during a visit to Norfolk, has recently been acquired by Lotus. Following a sympathetic restoration it will join the company’s collection.

The new Certificate of Provenance is designed to appeal to owners of Lotus cars from any era. They could buy one for themselves or receive it as a gift from friends or family. It is delivered in a distinctive ‘For The Drivers’ Lotus presentation box, which contains:

  • The Certificate of Provenance – printed on premium paper, this provides a summary of the car’s details including the VIN, paint colour and specification. The certificate also notes the date on which the car completed its production at the Hethel factory and was passed to the Lotus sales team.
  • The Build Specification Letter – drafted using detailed vehicle information from the Lotus archive*, this document provides more in-depth information about the car, including its engine, transmission, standard features and optional extras.
  • A personalised letter to the customer signed by Phil Popham, CEO, Lotus Cars, thanking them for their purchase and updating them on the transformation which is taking place at Lotus.

The three documents are presented in a simple black envelope placed inside the presentation box. Beneath it is a selection of Lotus collectables, including an aluminium plaque engraved with the owner’s name and information from the Certificate of Provenance; a leather Lotus keyring; a carbon fibre bookmark featuring the brand’s nine most significant motorsport laurels; a presentation tin of four badges; and a Lotus ink pen.

The Certificate of Provenance is available worldwide through Lotus retailers. In the UK it costs £170 + postage. Prices in other markets may vary.

The 1981 Lotus Turbo Esprit has the UK registration plate UVF 464X and was first registered to Lotus on 1 August of that year. Its own Lotus Certificate of Provenance reveals it was allocated to company founder Colin Chapman for his exclusive use. Following Chapman’s death in December 1982, it was sold by Lotus in July 1983 and has been in private hands ever since, covering just 11,000 miles and regularly maintained.

Finished in metallic Silver Diamond paint with ‘Turbo Esprit’ decals, the factory-fitted optional extras include a full red leather interior, air-conditioning and a Panasonic audio system integrated into the headliner.

However, the specification is completely unique as it has several features added at the request of Chapman to improve his own driving comfort and enjoyment. These include power steering – it was the first Esprit ever to have this technology – plus modified and lowered suspension, modified brakes and BBS Mahle lattice alloy wheels.

On 5 August 1981 the car was used by Chapman to promote the latest Lotus range to the then UK Prime Minister, Margaret Thatcher, when she toured Norfolk. After landing at Norwich Airport and talking to Chapman, she sat behind the wheel and drove it round the site’s private roads. Local media reported that she had said: “I was tempted to drive away in it.”

Phil Popham, CEO, Lotus Cars, commented: “What better way to launch our Certificate of Provenance than by showing how it has validated the celebrated history of an iconic and unique Turbo Esprit. The Lotus archive is a fully catalogued database of information and can provide a wealth of insightful facts on any Lotus car from any era. It’s the perfect gift for a Lotus owner anywhere in the world.”

Speaking about the unique Turbo Esprit, he added: “This is an iconic and unique car from the Lotus back catalogue, personalised by our founder Colin Chapman and with a truly fascinating provenance. It deserves its place in our collection and we’re looking forward to showing it off.”

AIB Talk Motorhomes

We interviewed Kirby from AIB Insurance, a motorhome, campervan and RV specialist to talk about the latest happenings in the world of insurance:

Are you seeing anything interesting with Motorhome and Camper claims?

The last 24 months have been challenging times for insurers with motorhome, RV’s and camper thefts on the increase. Take North Wales for example – police recently revealed that 30 vehicles worth over a million pounds had been stolen over the past 16 months. They believe thieves in that area were mainly targeting Fiat Ducato and Peugeot Boxer motorhomes using technology widely available on the Internet to override the manufacturer’s security measures that included the electronic immobiliser.

On a national basis though, Ford continues to be the vehicle of choice for most thieves.  Our insurance partner Ageas Insurance tells me Ford manufactured motorhomes make up less than 6% of their motorhome book but the theft rate is ridiculously high. There is no pattern as to where the motorhomes are kept, how long they have been owned or the level of security measures as they’ve seen a variety of scenarios. They have had over £350,000 worth of Fords stolen last year alone which is why they took the decision to work out what model ranges/years of manufacture were affected and decline them.

According to the Association of British Insurers (ABI), motor theft claims have increased by 20% in 2019 and motor theft claims paid by insurers in the first quarter of this year were at their highest for any quarter since 2012 with a payment made relating to vehicle crime every eight minutes. The ABI claims that the increase is in part being driven by keyless car crime whereby hi-tech criminals are able to bypass keyless technology in as little as 20 seconds. This would certainly seem to be the case with a large number of motorhome thefts as an increasing number are being stolen when they are parked on driveways.

Has this seen the cost of insurance increase?

Historically, motorhomes have been rated on three main factors: year, engine size and value (ignoring left hand drives, imports and modified vehicles etc.).  Over the last 12 months, three major motorhome insurers, Aviva, Ageas and Markerstudy have taken the unusual steps to load the premium further or even decline specific years of manufacturer, especially Ford.

Generally, motorhome and campervan insurance rates have remained stagnant apart from specific manufacturers. DIY conversions tend to cost more to insure than a coach built one.

So how can owners prevent a vehicle being stolen?

If your motorhome is stolen, having the right insurance policy in place will mean that you can at least have the peace of mind of knowing that you’ll be compensated financially for your loss. However, an insurance payout can never compensate you for the inconvenience and disruption that vehicle theft causes.

The good news is that most theft is opportunistic and thieves generally don’t like to work too hard. So, if they see a motorhome fitted with wheel locks, steering or handbrake locks or wheel clamps, it may be enough to put them off.  Of course, you can go further by installing an alarm, immobiliser, a tracking device or even installing PIR lights trained on your parking space that illuminate when they sense movement.

What should people look out for when insuring a motorhome, RV or campervan?

It is vital, that you take out appropriate motorhome insurance and select a policy that will cover all your needs.

Motorhome insurance is not like car insurance, it requires specialist knowledge and as such, you should speak to a specialist motorhome insurance provider. Most specialists will provide additional European cover, additional contents cover and cover for gas cylinders, generators and awnings.

We would encourage you to purchase legal expenses as, if you find yourself in a dispute, legal fees can be expensive. Likewise, breakdown cover can be challenging as non-specialist providers may place a height, length or weight restriction on the vehicle they cover.

Another thing to mention when buying cover, is the level of windscreen glass cover that the specific policy your purchasing provides. Many insurers restrict the windscreen cover to £500-£1000 but an owner of an A-Class could be left short and should seek insurers that provide unlimited glass cover.

The motorhome market continues to grow especially relating to the sale of higher value models that cost over £100,000 and that represents a different risk for insurers if they go missing.

What is happening in the classic car world – are vehicles still going up in value?

The classic vehicle market is renowned for its stability and consistency and the VW campervan is a prime example of that. Over the past 10 years, classic vehicle values have been consistently going up, outperforming just about everything I can think of apart from vintage wine. I’d argue that classic vehicles are a better investment here too as it’s possible to use them without instantly destroying their value!

That said, at the top end of the market such as Ferrari, Lamborghini and the like, it looks as though we’re finally seeing the pace slowing and interest levels cooling.

One element of this could be uncertainty. When it comes to high value classics, it’s a global market. Investors may simply be less prepared to spend big at a time of trade wars and uncertain future trading arrangements.

The classic vehicle market is forever evolving as new cars become classics as each year passes.

What’s your favourite classic within the motorhome and campervan arena?

I love the 1967 BMC Princess – it looks bonkers. Whilst it looks like a DIY conversion, it was actually coach-built on a Vanden Plas Princess chassis but was unusually modern for it’s time enjoying power steering and an automatic transmission.  Another favourite would be the VW T25 hightop campervan. Again, it looks so cool and I can imagine myself sitting in it with a hot cup of tea on a cold day looking out over the ocean.

Kindertons Partnership

Airsports Insurance Bureau Limited (AIB) is delighted to announce teaming up with Kindertons Accident Management to deal with accident management cases for some of our motor insurance policyholders on a long-term arrangement.

Kindertons was established back in 1993 and has assisted in excess of one million motorists get up and running following a road traffic accident that they were not at fault for. It provides full coverage throughout the UK, including Northern Ireland, enabling them to give a speedy response to claimants.

Following an accident, Kindertons will arrange for an inspection of the vehicle to establish if it is repairable and provide an estimate of the cost. They have over 170 repairers in their network, offering coverage nationwide.  What’s more, all repairs undertaken by them are guaranteed for a period of three years or for the remaining period of the manufacturer’s warranty. In the event that the vehicle is considered not worth repairing, a settlement figure will be agreed with the client.

Kindertons were named as Finalists in the Best Customer Experience category at the Institute of Customer Service’s UK Customer Satisfaction Awards 2020 and have also been recently shortlisted for the Broker Partner of the Year Award at the upcoming British Insurance Awards 2020.

AIB Insurance Director Kirby De-Gray Birch commented: –

“We have known about Kindertons and the quality of their offering for some time through our relationship with Steve Horner, Sales Director at Blink Intermediary Solutions.

Steve has previously helped set up relationships with a variety of providers assisting when we have gaps or opportunities within our placement strategy, though the broad range of personal and commercial insurance products Blink Intermediary Solutions can provide access to.

When our existing Legal Expenses partnership came to an end they were the standout option”.

Christopher Dodgson, Senior Key Account Manager for Kindertons Accident Management commented: –

“Kindertons is delighted to become the new long-standing claims partner for AIB Insurance. With nearly 30 years’ experience in the motor claims arena and in particular, niche areas such as prestige vehicles, we feel we are the perfect fit for AIB going forward.

Although the current climate we find ourselves in is a challenge for all industries, we feel that long term this will be a fantastic partnership for both AIB and Kindertons.”

We look forward to enjoying a successful working relationship with Kindertons Accident Management that is mutually beneficial for all parties including our valued customers.

Blink Intermediary Solutions work with a variety of providers including insurers, MGAs, wholesale brokers and specialist suppliers, providing access to a wide range of personal and commercial insurance products and capacity solutions. They are not a network and there are no fees or commitments on their part for a broker to access the standard products they distribute.

 

They build real relationships, get to know the broker’s business, identify possible gaps and suggest potential solutions to fill them. They have developed a number of exclusive niche clubs and schemes with some of their providers, empowering a broker to write a specific class of business in accordance with clear scheme parameters.

 

They are also a division of a Lloyd’s broker enabling them to develop binders and capacity solutions for brokers that are looking for a truly bespoke solution offering greater in-house control.

 

https://www.blinkis.co.uk

Introducing Ellie Basi

Airsports Insurance Bureau (AIB) the specialist insurance broker of niche and high net worth insurance products, are delighted to announce our new team member, Ellie Basi.

Ellie Basi

 

Ellie joins our busy sales team, having just completed an Art Degree at Cardiff University.  She will now learn every aspect of a predominantly personal lines insurance broker, including motor insurance, travel and home.

 

A delighted Ellie said: “I’m really pleased to have been given this opportunity in a successful growing business to start my career.  I was recommended to the company by my friend Laura and together with my natural interest in cars I can’t wait to get stuck in”.

 

Ellie was born in Lymington, enjoys drawing and is learning to play the drums. Her claim to fame is attending the audition for the main part in the movie blockbuster, ‘The Golden Compass’ starring Nicole Kidman, Sam Elliott and Ian McKellen. Having stood in line for 8 hours, she was desperate for the toilet and when she returned, had missed her audition slot and chance of fame and fortune!

 

In other news, Laura Brown has been promoted from our administration department into a sales role and will join Ellie throughout their training.

Laura Brown

Laura joined the business in February. Her hard work and effort, combined with her natural passion for customer service, has seen her very quickly take the next step up in our business.

 

Kirby De-Gray Birch commented: “Laura has been an asset and given 100% from day one. She’s picked up the role incredibly fast and with her inquisitive personality, was soon taking on more responsibility.  She’s been a real credit to herself and deserves the opportunity to further develop her career”.

 

At AIB we take pride in the quality of staff we recruit. We nurture and develop talent, with the tools and resources needed at their disposal.  Our consultants are able to build strong professional relationships with clients and insurers alike. They are encouraged to reach their full potential, including taking further industry education qualifications in a rewarding but demanding environment.

Paraglider Achieves Guinness World Record

Those of you who enjoy paragliding will no doubt be interested to read that an estate agent by the name of James Du Pavey from Market Drayton has featured in the Guinness World Records for the  “Fastest journey from Land’s End to John-O’- Groats by powered paraglider”. His airborne trip took place from the 8th to the 9th July 2019 and took 1 day 12 hours and 19 minutes.

He actually took off from John O’Groats on the 8th July 2019 at 3.30am completing the trip in just over 36 hours. During the epic journey in the paraglider he reached a height of 10,000 feet. Unfortunately, he had to make three emergency landings but was unharmed. Obviously he needed to stop on a number of occasions to refuel during the 870 mile trip.  No doubt somewhat concerningly, his engine ceased to function when he was a mere six miles from Land’s End but he still made it. He was ably supported by a two man ground crew during the lengthy trip.

You will be pleased to read that James Du Pavey has raised more than £12,000 for the Donna Louise Hospice for children and young people that is located in Stoke on Trent as a result of this paragliding world record breaking journey. Those monies will obviously be put to extremely good use by the hospice.

We are sure that our paragliding clients will no doubt like to join the staff here at AIB Insurance in congratulating James Du Pavey for such a wonderful achievement. He must have been absolutely exhausted by the time he eventually came down to land for the final occasion at the end of the journey.

If you are looking to get into paragliding for the first time or are a veteran, why not get in touch with us here at AIB Insurance on 02380 268 351 and one of our experienced team will be pleased to discuss your insurance needs in relation to this airborne activity and obtain a competitive quotation for your perusal without any obligation.

First Underwriting Ltd Joins Our Panel

Here at AIB Insurance, we have an extensive panel of closely vetted insurance partners enabling us to tailor-make policies for our valued customers. We are pleased to announce that we have recently added another partner to our panel – First Underwriting Ltd.

First Underwriting was established in 2011 and has built a reputation for providing a high level of service along with a quality range of insurance products through select insurance brokers like us. Its main insurance partner is Accredited Insurance (Europe) Ltd that is apparently excellently rated by AM Best that provides credit ratings for the insurance industry worldwide.

First Underwriting is supported by NSM Insurance Services that is apparently one of the biggest specialist broking and underwriting groups located over in the United States of America. It is said that NSM Insurance Services is backed by a company listed on the NYSE called White Mountains Ltd.

First Underwriting Ltd’s specialist range of motor insurance policies include cover for the likes of prestige cars, fleet motors, rural vehicles, passenger vehicles and vans. As you can see, it provides cover for a wide range of motor vehicles.

In addition, it can also arrange buildings and contents insurance for a range of property types including, premium – covering standard risks, premier – covering unusual risks and speciality – covering long term unoccupied and residential lets.

Motor insurance claims are dealt with by its partner WNS Assistance and household insurance claims by its partner Claims Consortium Group.

We are extremely pleased to say that our experience to date when dealing with First Underwriting has been nothing but positive. The company’s staff are quick to respond to enquiries at every stage of the insurance process from initial quotation, setting up the policy to dealing with renewals. We are sure that our working relationship will benefit all concerned but, in particular, our valued clients.

Average Burst Pipe Weather Related Insurance Claims Exceed £10,000

Winter is upon us and we have already seen temperatures fall below freezing on occasions here in the UK. Therefore, perhaps it is an appropriate time to mention about protecting your household pipes against the cold weather.

According to information published by the Association of British Insurers (ABI), you may find it rather concerning to read that the average amount of a burst pipe insurance claim due to adverse weather conditions exceeded £10,000 in 2018. This is a sizeable sum and a claim of such magnitude has no doubt caused a significant amount of damage whether it is to property, contents or both never mind the potential distress and upheaval to the owners of the premises.

The ABI has very kindly made some recommendations as to what action you can take to lower the possibility of your pipes getting frozen over the winter period: –

  • If you have one or more taps that drip when turned off get them repaired.
  • Check in the loft that any water tanks and water pipes are suitably insulated.
  • Make sure your heating is set to come on periodically even if you are away for a short break.
  • Make sure that you are familiar with where your stopcock is situated in your home.

If a pipe freezes then you should take the following action according to the ABI: –

  • Any contents such as clothes and furniture should be moved away from the pipes just in case one of the pipes bursts.
  • Do not try to remove ice using the likes of a blow torch or a hammer as this may damage the pipework even more.
  • Turn off the mains water at the stopcock until the pipes have defrosted.

If a pipe bursts, according to the ABI, you should: –

  • Remove any possessions to a safe place.
  • Turn off the stopcock, drain the water supply by turning on the taps, and turn off the water heating and central heating.

In the unfortunate event that you do suffer water damage, get in touch with your insurer as soon as possible.