Menu

October 2024

Have You Got A Future Holiday Booked?

tourist taking a picture

David J Miller Insurance can get you covered with comprehensive and competitive travel insurance, whether you’re jetting off solo or taking the whole family along. From single trips to annual policies, we’ll find the right policy for your adventures!

Wherever you’re headed — whether it’s backpacking, skiing, or relaxing under the sun, our policies can ensure you’re protected every step of the way.

Get in touch to learn more about:

  • Annual policies
  • Single trip options
  • Cruises
  • Dangerous sports
  • Water sports
  • Winter sports
  • Cover for pre-existing medical conditions **
  • Specialist cover
  • Round-the-world trips
  • Special restrictions

**A pre-existing condition is any health or medical issue you’ve been diagnosed with or received treatment for, including symptoms you’re waiting on a diagnosis for. If you’re unsure whether a condition is relevant, you do need to share it with us — this includes conditions managed with medication or those that only flare up now and then. Remember, honesty is the best policy!

Using the David J Miller team will help you save time and money! Let us help you find the best policy tailored to your needs, so you can travel with peace of mind knowing you and your loved ones are well-protected.

If you’re off on your travels, get in touch as soon as you book to ensure your trip is covered, especially for cancellation, as anything can happen in the time between booking and travelling.

Here’s Another Myth For You About Motor Insurance

,

“Protected No Claims Bonus means my premium won’t increase after a claim”

Myth: Some drivers believe that if they have no-claims bonus (NCB) protection, they won’t lose their discount, even after an accident.

Reality: No-claims bonus protection only allows you to make a certain number of claims before it starts affecting your discount.

Additionally, this protection doesn’t prevent your premium from rising after a claim, as insurers may still increase the base cost of your policy. You’ve only paid for the benefit with the one insurer, so other companies may not accept it.

Talk to us about whether no-claims protection is worth it for you. We can explain what it covers and how it works in practice.

Dedicated Event Insurance Team

people-sat-in-events-space

Did you know that David J Miller Insurance Brokers has a dedicated event insurance team? Our straightforward, no-nonsense staff are here to help you quickly get a quote or answer any event-related questions you might have. We’ll get you covered in no time!

Our team specialises in Event Insurance for event committees, individual organisers and professionals. So, whether you’re planning a village fete, a sports tournament, a conference, an exhibition, a boxing match, or even a festival, our team is here to make sure your event is properly insured. It doesn’t particularly matter what size or scale your event is. If you need insurance for just one day, or for multiple events throughout the year, we’ve got a policy that covers that too!

Our events insurance team focus solely on the Event Insurance industry and understand how confusing it can be. We’re committed to answering all your questions, big or small and we take pride in delivering exceptional service every step of the way.

Beyond great service, our quotes are comprehensive and affordable. We’ll make sure your event has all the essential coverage you require.

Here are ‘some’ of the event insurance options we can offer:

  • Public Liability Insurance – Essential for covering incidents where a member of the public might get injured or 3rd party property is damaged at your event.

  • Employers’ Liability Insurance – If you’ve got anyone helping at your event whether paid or not, this coverage is normally required by law.

  • Equipment Cover – Protects any event equipment owned or hired in case it’s damaged or stolen.

We’re here to make sure you get the cover you need so get in touch.

Don’t Get Caught Out!  What You Need to Know About Gap Insurance

mechanic fixing car in garage.

Gap Insurance can be your safeguard when it comes to treating yourself to a new car. It bridges the gap between what your insurer would pay if your car were stolen or written off, and what you originally paid for it.

Imagine spending £15,000 on a car or financing that amount. Then, a week later, your car is stolen or written off. Your insurer offers you £10,000 based on the car’s current value, but you’re still £5,000 short or potentially even in debt for a car you no longer have.

That’s where Gap Insurance steps in! It covers the shortfall between your insurer’s payout and what you’d need to replace the car or clear your finance. Given how quickly cars depreciate, it can really save the day.

Where Gap Insurance Applies

You’ve Taken Out a Big Loan to Buy Your Car – Gap Insurance can cover any outstanding finance if your car is stolen or written off, so you won’t be stuck paying for a car you can no longer drive.

Worried About Depreciation? – If your car’s value drops quickly, you may not get back what you paid for it after an incident. Gap Insurance will enable you to get back more of what the car has actually cost you.

You’re in a Long-Term Lease – For long-term rentals with mileage limits, a write-off could leave you without a car and facing hefty fees. Gap Insurance helps protect you from this scenario.

Who wouldn’t want peace of mind from this potential scary financial scenario?  Some scary stats here……….did you know that nearly 500,000 vehicles are written off every year and a vehicle is stolen every 8 seconds in the UK?

The David J Miller’s team are here to help so get in touch!

‘The Angry Washing Machine’

We all know insurance isn’t the most exciting industry but some of the claims that are made can make us chuckle!

A homeowner reported that his washing machine had ‘gone mad’ and caused a flood.

Upon investigation, it was discovered that the machine had malfunctioned during a particularly wild spin cycle, shaking so violently that it had disconnected its water hose, which then flooded the utility room.

The homeowner described it as being ‘possessed’ and had ‘danced’ its way into causing significant water damage. The insurance company agreed and paid the claim under the property owners insurance policy, labeling the incident ‘mechanical misbehavior.’

Sounds like the washing machine had one too many spins, just like Uncle Keith after a few drinks when he’s at family parties!  

Let’s blast some Motor Insurance Myths! 

motor of a car

Motor insurance can often seem confusing and with so many policies, terms and jargon, it’s no wonder there are some common misconceptions.

As an insurance broker, we hear these frequently, and it’s our job to help clarify what’s true and what’s not.

“Comprehensive Insurance Allows Me to Drive Other Cars”

Myth: Many drivers think having a comprehensive insurance policy automatically means they’re insured to drive other people’s vehicles.

Reality: While some comprehensive policies may offer third-party cover to drive other cars, this isn’t guaranteed and the level of cover is often very basic. In many cases, you won’t be covered unless it’s explicitly stated in your policy. The said ‘other’ vehicle must be insured in its own right too.

Always check the fine print or speak to your broker to confirm if your policy includes driving other vehicles and if so, under what circumstances?

Has your Home Insurance Premium increased?

home in the UK

You’re not alone!  Many people are seeing their premiums rise. One of the causes is due to rising costs of materials and labour needed for repairing and rebuilding damaged homes. But don’t worry – we could help save you money on your home insurance premium.

Do you really need home insurance?

Unlike car insurance, home insurance isn’t legally required in the UK. But it’s highly recommended!  Without it, you could face costly repairs or replacements if the unexpected happens. Plus, many mortgage providers require buildings insurance, so it’s worth having both buildings and contents cover for full peace of mind.

How much will it cost?

The cost of home insurance varies based on factors like:

Home Size

Home Security

Contents Value

Location

 Level of cover & extras needed

 

Property’s rebuild value

Claim free years

Want to save on your home insurance?

Let us compare quotes for you and see how much you could save.

Claim done and dusted within 7 days!

plumber fixing pipe

Our client (I’ll call him Mr Fish) had arranged property owner’s insurance through us. He had received a letter from his regional water board advising the property was using a lot more water than was expected for the type of building and had increased quite suddenly. They advised there would be an engineer sent out to investigate as there must be a leak somewhere but could take anything between 4-6 weeks before they could get anyone to come out?

Mr Fish was concerned that the water could be causing more damage than necessary whilst he was waiting, so got in touch with ourselves to looking at dealing with through his insurance?

We advised him to arrange for an engineer to go out and the leak was detected between the water meter and the stop valve. It was a substantial leak…….he was losing 18 litres of water an hour (which he would be paying for too!)

After a few hours of digging through concrete, the leaky pipe was found – this was covered under the ‘Trace & Access’ clause of his Buildings Policy and the insurance company footed the bill for the investigation work.

This was all done within 7 days of the claim being reported – that’s what you call a fantastic result!

At least Mr Fish hadn’t been trying to fill a swimming pool… though he could’ve have if it had been left to the water board!

Trace & access cover means you are covered to identify the source of a water leak and making sure there is access for it to be fixed (the repair/replacement of the leak source is not covered).  It gives peace of mind knowing your insurance can cover this, as generally this could be the most costly part of the job.