Tag Archives: insurance

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.

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.

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.

Kitsune Insurance Added To Our Panel

We are pleased to announce that Kitsune Associates Ltd has been added to our closely vetted panel of motor insurance providers. The business has come a long way since it was established as recently as 2016 and forms part of the Brightside Group.

Kitsune Associates, by pure coincidence, is located close to our offices and has a team of individuals who have many years’ experience in the manufacturing and underwriting of insurance products for the motor sector. It is currently focused on car and commercial vehicle products with the aim of producing products that are priced competitively and offer value to the customer

In adding Kitsune Associates to our panel, we believe this will prove to be of benefit to many of our customers looking to insure their motor vehicles as the more options that we have in terms of insurance providers the better for our valued clients.

Kitsune Managing Director Trevor Bowers said “We know and have worked with the team at AIB previously and have always been impressed with the work they do in the Non-standard motor market. We look forward to working closely with the team and joining their panel of carefully selected insurers.”

AIB Branch Manager Kirby De-Gray Birch commented: “We were extremely pleased with the quality of product and professional service we saw from the team at Kitsune Associates. This wasn’t a surprise as our management team have known Trevor (Kitsune Managing Director Trevor Bowers pictured) both on a professional and personal level for many years and even locked horns on the cricket field regularly in the 90’s.”

“They are passionate about providing a high-quality service at a competitive price and together with Bruce (Kitsune Underwriting and Pricing Director Bruce Coxwell), they have assembled an exciting team.  Whilst it is early days in our partnership, we are sure that we have made the right decision in adding them to our panel. We look forward to a long and successful business relationship with them for the benefit of all concerned including, of course, our valued customers”.

To find out more about Kitsune read here: https://www.brightsideinsurance.co.uk/kitsuneassociates/


AIB Joins BIBA – The Interview Everyone Wanted

Insurance Business recently interviewed our Risk and Compliance Director, Karen Manley, read the full interview below:


Can you tell me a little bit about your company?

AIB has an interesting story since its inception in 1993.  Originally it was created by the BHPA (British Hang Gliding & Paragliding Association) to provide travel, third party damage and equipment cover for its members whilst flying abroad whether it be a hang glider, sky diver or paragliding pilot.  At the time the BHPA were struggling to find an insurance provider that understood its members unusual insurance requirements, and with an active pilot involved in the insurance industry Airsports Insurance Bureau was created as a limited company.

The BHPA sold the business in 2004, largely due to the increased compliance and regulatory requirements to insurance specialists and it has evolved into a niche personal lines and high net worth specialist with links to various enthusiast clubs, garages and financial institutions.  We also have a number of commercial insurance brokers who refer their personal lines business to us but still have strong links to the BHPA providing specialist airsports for members today.


Can you outline how the decision to join BIBA came about and how long have you been thinking about joining BIBA?


The company I worked for previously was a member of BIBA and I was a committee member of SE region compliance forum.  I found it useful to maintain and share best practises and I found the regulatory benefits and networking particularly useful.

Joining BIBA is part of AIB’s ongoing commitment to supporting good practice and an important step in our passion to promote the interests our clients in the provision of good sales advice.

As BIBA maintains a dialogue with the government, the FCA, and the ABI, specifically in their role acting as the voice of the insurance industry in the UK. Our business will gain a head start on learning about new legislative proposals, policy developments, market changes and developing trends.

Thus, ensuring that AIB can react with marketing strategies and business plans in a timely manner assuring our clients gain the benefit of the highest quality of advice and receive genuinely positive outcomes for their insurance needs.


What do you consider the key opportunities associated with your BIBA membership?


BIBA works closely with the FCA to help ensure a fair, equitable and workable regulatory regime for the broking industry, thereby keeping their members updated on matters affecting the industry, including regulation, legal issues, through their website, email alerts, conferences, workshops, seminars and subject specific working groups and panels.

BIBA is an excellent benchmark to understand the current thinking within the insurance market.

The regulatory benefits, and the technical support through the templates played a part.  As did backing the voice of the industry.  Networking with likeminded individuals and companies to achieve best practise and common goals, especially with the uncertainty and ramifications of Brexit.


Are there any particular BIBA events that you are looking forward to?

Lots!  Although a small company we intend to be active members of BIBA and I am looking to attend the compliance forums to understand current topics, but I have historically found the Webinars particularly useful.



Do you feel that such memberships are necessary for brokers in the current climate?


It’s not necessary but it’s important that we as broker support the insurance market.  Ultimately Biba are the voice of the industry and when debating points with the FCA on various consultation papers surely it makes sense to stand shoulder to shoulder with our industry colleagues, especially in these challenging times?


What are your plans for development in 2020 and beyond?


We are very lucky.  We are well supported by some of the UK’s leading insurers who believe in what we do.  We also enjoy a management team that want to grow aggressively for the long term, looking after our insurer partners and clients along the way.  We expect another year of significant growth especially in the non-standard motor market and high net worth arena, where buying on-line is more challenging but training and developing the team, with as many resources, including Biba, at our disposal is key to our success.

ABI Encourages Homeowners To Make Sure Properties Are In Good State Of Repair

With winter quickly approaching, the Association Of British Insurers (ABI) is recommending that both owners of homes and businesses make sure that there properties are in a good state of repair. This should help reduce the number of claims being made by people on their buildings and contents insurance policies here in the UK.

Apparently, on a daily basis, insurance companies pay out in the region of £14.3 million to owners of homes and businesses to meet claims from people in respect of replacing damaged content and carry out repairs due to adverse weather conditions resulting in properties suffering burst pipes and floods.

You may find the following suggestions made by the ABI of benefit to help ensure that your property is better able to cope with the ravages of winter: –

  • Arrange for your roof on your home or business premises to be checked to make sure that it is watertight and that there are definitely no loose or missing roof tiles. This sort of job is best left to a professional for safety reasons.
  • Find out where the stopcock is in the property and that it is working correctly.
  • Make sure that the gutters are free of debris and that they are not overflowing due to their being a blockage.
  • Check that the smoke alarm is working correctly.
  • Make sure that there are no visible damp patches in your property such as damage to a ceiling.
  • Make sure that water tanks in the loft and pipes are insulated.

Whilst it is not a legal requirement to have building and contents insurance in place covering your home and/or business premises as well as the contents and plant/machinery in them, it is a sensible course of action so that you can claim on such a policy when necessary.

In this respect, why not get in touch with a member of our team who has many years experience in arranging suitable, affordable cover who will be pleased to discuss your requirements and arrange for you to receive a competitive quotation without any obligation.

Fatalities Caused By Drink Driving Increase

A Department for Transport publication produced on the 28th August 2019 has revealed that the number of deaths caused by drink driving in 2017 in Great Britain increased when compared with the previous year. Needless to say, we are sure that our readers will agree this is concerning.

Apparently, the central estimate of the number of people killed when either at least one driver or a rider was above the drink drive limit in 2017 was 250. In 2016 the figure was 230 so that is an increase of almost 9% – a worrying increase.

It is estimated that 8,600 people were either injured or killed in Great Britain in 2017 in road traffic accidents due to at least one driver or rider being above the drink drive limit. In 2016 the figure was 9,040 so that is a drop of 5%. Back in 1979 there were in the region of 19,470 road traffic accidents caused by drink driving.

In 2017, Wales had the biggest percentage of casualties due to road traffic accidents caused by drink driving at 5.3%. In England it was 5.1% and in Scotland it was 4.3%.

On a regional basis in England in 2017, the percentage of casualties due to road traffic accidents caused by drink driving was: –

  1. East Midlands 2%
  2. East 8%
  3. South West 8%
  4. North East 8%
  5. South East 7%
  6. West Midlands 3%
  7. North West 8%
  8. Yorkshire & Humberside 5%
  9. London 6%

When you look at the gender of drivers or riders involved in drink driving accidents in 2017 where they were above the legal drink drive limit, male drivers and riders make up for 79% and females account for 21%.

The penalty for someone being convicted of a drink driving offence can vary depending upon a number of factors that may include the likes of points on a driving license, being banned from driving for a period of time, a fine and imprisonment. It may also result in having to pay more for motor insurance as there are fewer insurance companies who will consider providing cover for someone who has a drink driving offence.

Army Parachutist Survives 5,000 Foot Jump That Goes Wrong

Those of you who enjoy the thrill of parachuting will be aware of the dangers and that on rare occasions things can go wrong. Well, that would appear what happened to an Army Parachute Display team member recently here in the UK.

The parachutist, who has not been named, was parachuting over Eastbourne in East Sussex and it was intended that those taking part would land in the sea. Unfortunately, this particular parachutist seemed to get into difficulty whilst participating in a 5,000 foot jump and ended up descending to dry land. Miraculously, the person involved is said to have only suffered a few minor grazes. Apparently, the St Johns Ambulance Service and the police provided assistance.

Let’s hope that the person involved makes a full recovery and is soon taking to the skies again.

Coincidentally, it has also been reported that a female skydiver near Quebec, Canada who is 30 years of age has been involved in a skydiving accident that also involved a jump from a similar height. Apparently, not only the main parachute but also the reserve one failed to open and she plunged to the ground landing in trees. Fortunately, she has survived but has a number of broken bones that will probably not come as a surprise to our readers. We wish her a speedy recovery.

Here at AIB Insurance, we have many years experience in arranging specialist cover for a number of airborne sports including the likes of skydiving and parachuting. If you are looking to take up the sport or your existing cover is shortly due to be renewed then why not get in touch with us on 02380 268 351. One of our experienced members of staff will be pleased to discuss your insurance requirements in detail and provide a bespoke competitive quotation for your consideration without any obligation. We look forward to hearing from you.

Significant Increase In Accident Claims During School Term

It is no secret that the roads are much quieter during rush hours when children are on school holiday and the time taken to get to work tends to drop. Some interesting research has been carried out by Admiral Car Insurance relating to the number of car accidents that take place in school term time when compared to the school holidays.

In the last five years, the number of claims submitted for accidents taking place between the hours of 8am to 9am and 3pm to 4pm increased by an average of 32% when children were at school compared to when they were on their summer holiday.

We are sure that you will agree the above is a large increase and is somewhat concerning.

It is interesting that the research by Admiral Car Insurance revealed that during the school rush hour in the morning motorists were most likely to collide with a third party vehicle by going into the back of them whilst in the afternoon a motorist was most likely to have their car hit whilst left unattended or parked.

The research found that 67% of motorists felt it was not as stressful commuting to work when school children were on holiday compared to when children were back at school.

According to the report, when a parent has to drop off a child at school or the nursery on the way to work, the distance travelled rises from 20 miles to 36 miles and the time taken goes up from 32 minutes to 54 minutes.

There is no doubt that driving a car is not as stressful during the school holidays when compared with driving in term time with 66% of motorists believing this to be the case.

It is the opinion of 71% of motorists that far too many parents take their children to school using a car. There are other potential modes of transport such as train, bus, cycling or walking.

A parent can become distracted by their children when driving them to school so it is important that they concentrate on the road to reduce the possibility of being involved in a road traffic accident.

If your car insurance policy is shortly due for renewal or you are looking to arrange cover for the first time then why not give us a call on 02380 268 351 and have a chat with one of our friendly, knowledgeable members of staff. He or she will be happy to discuss your requirements in detail with a view to proving you with a tailor-made, competitive quotation for your perusal. You will be pleased to read that we have an extensive panel of vetted insurance companies on our panel. If you wish to go ahead with the cover then we will be able to assist in putting the policy in place as quickly as required.

Lotus Become Official Partners of Norwich City

Lotus and newly promoted Premier League football team Norwich City Football Club have today announced a new multi-year global partnership. The collaboration sees the state-of-the-art training facility renamed The Lotus Training Centre, and the all-new Academy building renamed The Lotus Academy. Lotus branding will feature on the first-team ‘walk-out’ jackets, on all Academy shirts from the Under-23s squad through to the Under-9s, and on pitch-side branding at the Carrow Road stadium.

The partnership is announced on the eve of the Canaries’ first game of the 2019-20 Premier League season against Liverpool at Anfield. The agreement sees two long-standing Norfolk brands coming together as they each enter a new and exciting phase on the global stage, and with the local community at the heart of their ambitions.

Lotus is embarking on a major global transformation. Last month it unveiled the world’s first fully electric British hypercar and most powerful production car, the Evija, which is designed, engineered and produced at Lotus’ headquarters in Hethel, Norfolk.

The launch of Evija is the first visible step in Lotus’ plan that will see the company invest significantly over the next few years, to expand its product range and become a global premium performance car brand. Lotus has been making cars at Hethel, to the south of Norwich, since 1966 and currently employs around 1,200 people in the region.

Lotus and Norwich City Football Club have released an entertaining film featuring owner Delia Smith and former player Darren Huckerby to mark the start of the partnership.

Simon Clare, Executive Director, Global Marketing, Lotus, said: “Lotus is a brand born for and out of performance and competition, so this partnership is perfect for both parties. Together Lotus and Norwich City Football Club share core values – commitment, passion, focus, hard work, a winning mindset – and the success that flows from them.

“This partnership joins two iconic Norfolk brands as they accelerate on to the global stage together. Both share a desire for innovation and, as we herald a new era together, we are incredibly excited about playing a part in the development of Norwich City Football Club and its talent. Today we are investing in that future.”

All Lotus branding reflects the company’s new corporate identity, which features a revised roundel and new typeface for the wordmark. Simon Clare explained: “We’ve looked back at the original Lotus roundel and thought about Colin Chapman’s philosophy – to simplify and add lightness. We’ve applied that to create a new roundel, taking the weight out of the lettering and adapting the spacing. We’ve also straightened the word ‘Lotus’ so it’s consistent with the Lotus wordmark.”

Ben Kensell, Chief Operating Officer at Norwich City Football Club, said: “This is a momentous deal for us. We’re so thrilled to partner with one of the most iconic and high-profile brands, not just in Norfolk, but across the UK and internationally. I’m proud that our resurgent Club is partnering with Lotus at a time when it is relaunching its brand into a new and exciting future. The synergies between our two businesses are striking, and for our Academy players to be proudly wearing a shirt that has such a well-loved logo on is really special.”