The most popular and, perhaps, simplest way to obtain insurance on items such as handbags is to go through your homeowners insurance plan.  It doesn’t always provide the most comprehensive of cover however and some bag owners may not feel that it is not enough cover for them. Another option is to learn about the […]


Inflation has been a key theme in the UK in 2023 and now PM Rishi Sunak has announced UK inflation has dropped to it’s lowest level in two years. Inflation is a key theme for the UK insurance market in 2023, as it is across the wider economy. Ignoring the fluctuations in the housing market, […]


General research shows the cost of car insurance went up by a significant 58% over the past 12 months. The average cost of a comprehensive car insurance policy is now £924. Drivers aged 18, for example, paid £2,999 for their policy, on average – more than triple the national average. It’s also £1,415(88%) more than […]


CONSUMER DUTY The Financial Conduct Authority (FCA) requires all brokers to be fully compliant with The Consumer Duty requirements for all open products by 31 July 2023. At Bloomhills, we have always put our customers’ needs first to help support positive customer outcomes. The Consumer Duty requirements have provided an excellent opportunity to conduct a […]


WHAT IS CYBER INSURANCE? Cyber insurance is cover designed to protect your business from threats in the digital world that we now live in. Data breaches or malicious cyber hacks on work computer systems are some of the issues companies now face when dealing with cyber breaches. A business is responsible for its own cyber […]


At Bloomhills we are always striving to ensure our clients are happy with our services. We were delighted after a recent survey revealed that 97% would recommend us and we obtained a 4.82/5 star reviews! Here is some of the amazing feedback we received: “It is always just a weight off my mind to have […]


As we approach December the temperature is now dropping significantly following a very mild October and November this year.  If you already have breakdown cover, this time of year you can be kept waiting for a good couple of hours for help to arrive. The most common call out in the winter between December and […]


Underinsurance – Its important you are insuring the correct sums insured… Your home is one of the most valuable assets you are likely to own With raw material prices increasing and inflation on the rise, it’s important to acknowledge the very real cost of under insurance. Rebuild costs have increased over the last 18-24 months […]


From 2025, under current proposals all newly rented properties will be required to have an EPC rating of C or above.  Currently, properties only require an EPC rating of E or above. Existing tenancies will have until 2028 to comply with the new rules. Following this news, there is a concern that a substantial amount […]


The extreme hot, dry summers and reasonably dry winters in recent years has caused the insurance industry to see an increase in subsidence in buildings. Subsidence is the downward movement of the ground supporting the building. Damage occurs because the movement is often uneven, causing cracks in walls, floors and ceilings. The main cause of […]