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Bespoke Property and Personal Insurance

Buildings and contents

Standard or non-standard home insurance including mid/high net worth, unoccupied and properties to be under renovation

Commercial properties

All types of commercial properties including hotels, B&Bs, pubs, restaurants, takeaways, retail shops, offices and more

Buy-to-let / landlords’ property

Single residential, multi property portfolios, holiday let, including properties held in a company name

Income protection

Quote and buy for income and mortgage protection, covering job loss (unemployment) and/or accident and sickness and providing up to 12 months benefit with a 30-day excess

High net worth

A full broking service for affluent clients from a range of insurers.

We offer an exclusive commercial insurance broking service to our agents, to help maximise your income. It's a bespoke full broking service from a large panel of insurers for property (offices, shops, surgeries, hotels, guest houses, pubs and restaurants).

info@borderms.co.uk

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Today we’re talking about insurance protection….

Young adults need life insurance too   A recent report has found that most young adults in the UK do not have life insurance 1 , even though it is one of the most important financial products that you could have.    Cost-of-living crisis Over half (51%) of adults aged 18-40 admitted they do not have life cover, with many concerned about affordability due to the higher cost of living. But it is more important than ever to make sure that your loved ones have a financial safety blanket, so they do not have to fend for themselves if you are no longer around.    The cost of losing someone It is estimated that the death of a breadwinner costs their surviving family an average of £195,000 over ten years. However, this only covers the cost of essentials – the likelihood is that it will cost the bereaved, surviving partner more.    Even if you are not the main breadwinner, life insurance is still relevant to you – any caring responsibilities you have would fall...

Today we’re saying …..

  UK inflation rises for the first time this year Does this reduce the likelihood of a second base rate cut next month? By  Rommel Lontayao 14 Aug 2024 Share Annual inflation in the UK increased to 2.2% in July 2024, up from 2% in June, according to data released by the Office for National Statistics (ONS) on Wednesday. The Consumer Price Index (CPI) fell by 0.2% on a monthly basis in July, compared with a decline of 0.4% during the same month last year. The ONS reported that the largest upward pressure on the annual inflation rate came from housing and household services, where gas and electricity prices dropped by less than they did in 2023. In contrast, the biggest downward contribution was from the restaurant and hotel sector, where hotel prices fell this year after rising in the previous year.