Articles

Why should you be considering a buildings survey?

Why should you be considering a buildings survey?

Your home should always be insured for the total amount it would cost to rebuild it from scratch. However, fewer than one in ten household properties in the UK are currently covered correctly. Some people may find that they are over-insured, for ex…

From Subsidence to Salmon - A Lumley Claims Story

From Subsidence to Salmon - A Lumley Claims Story

Here at Lumley, we believe that the true value of your insurance policy is not discovered until you need to make a claim, and when you do, you want to be content in the knowledge that the people involved are working together to achieve the best outc…

A Guide to Subsidence

A Guide to Subsidence

The word subsidence can fill many of us with dread. This however does not need to be the case when we understand what it is and how it can be prevented. We have put together some ideas on how to prevent subsidence and what to do if you spot signs of…

More Precious than Premium - A Lumley Claims Story

More Precious than Premium - A Lumley Claims Story

Here at Lumley, we believe that the true value of your insurance policy is not discovered until you need to make a claim. We and the providers we deal with understand that, in many cases, it is the sentimental value of the memories an item holds for…

Tops Tips to Prevent Common Claims

Tops Tips to Prevent Common Claims

We all know it’s a sensible precaution to insure our homes and precious possessions to ensure they are protected in the event of the unforeseen. Naturally, we hope that we never need to call on our insurance policy, but can rest assured that i…

The Story of our Blackberry Gin

The Story of our Blackberry Gin

In 2004 our Chairman, John Lumley, went blackberry picking with his family at his mother's house in the country. Having picked more than they could possibly eat, he asked around for good recipes to make use of his bumper harvest.  His moth…

Ask an Account Handler – your frequently asked questions, answered!

Ask an Account Handler – your frequently asked questions, answered!

Over the past 25 years advising our clients on their insurance policies, we’ve helped to answer a variety of questions. In that time, we’ve found that some seem to pop up more often than others. We’ve asked our team of expert Acco…

Checking In - An Interview with Our Apprentices

Checking In - An Interview with Our Apprentices

It is no secret that the past year has been a new experience for us all, striving to carry on with business as usual whilst having to adapt to a different way of working. This hit home particularly for our Apprentices, Jack and Shannon, who both rea…

Business Insurance and the Pandemic

Business Insurance and the Pandemic

Our Commercial Manager, Tim Davies, shares his thoughts on how Covid-19 has affected businesses, and how this ‘new normal’ may continue to affect business insurance in the future. When Lockdown 1 hit, Business Interruption losses were t…

A Lumley Claim Story

A Lumley Claim Story

Remember the storms in February 2020? They caused some serious upheaval and upsetting losses for many of us, including our clients. Thankfully our experienced team was on hand throughout to guide them through the process of making successful claims.…

Autumn Property Maintenance

Autumn Property Maintenance

Autumn is a beautiful time of year. Those cold, crisp mornings, the reds and golds of the trees and the crunch of leaves underfoot. But Autumn is no time to be complacent when it comes to property maintenance. Prevention is always better than cure, …

Farm and Estate Insurance – are you properly covered?

Farm and Estate Insurance – are you properly covered?

Whether you own a small holding, farm or estate, we understand that all agricultural properties present their own unique requirements in terms of insurance needs. Don’t be left uninsured! In our experience many landowners are now diversifying…

Valuations – why should you consider having one?

Valuations – why should you consider having one?

When reviewing your insurance policy for the year, you may have been asked to provide valuations for some of your higher value items. As a broker, we’re often asked why insurance providers need these. Here are a few of the reasons why it&rsquo…

Don’t let this summer spell subsidence for your property

Don’t let this summer spell subsidence for your property

The sun and warmth is always a welcome sight and, as it’s often short-lived in our green and pleasant land, we certainly don’t want to put a dampener on it. But with the rising temperatures comes warning of a sharp rise in the number of …

Blocks of Flats – Do you know your responsibilities?

Blocks of Flats – Do you know your responsibilities?

Properties that are split into flats are unique buildings. They are a collection of people’s homes, but unlike a freehold house the nature of their set up creates joint responsibilities for all owners. All of your residents should understand …

Ask an Account Handler – your frequently asked questions, answered

Ask an Account Handler – your frequently asked questions, answered

As an experienced, independent broker, we at Lumley Insurance have been advising our clients on their insurance policies for over 25 years. In that time, we’ve found that some questions seem to pop up more often than others. We’ve asked…

Why Choose Lumley over a Direct Insurer

Why Choose Lumley over a Direct Insurer

As an established professional broker we are often asked “Why should I use Lumley Insurance over going direct to the insurer?”. Read on to discover a few of the reasons you might want to consider us over going online. Level of Service …

Cyber Insurance for Businesses

Cyber Insurance for Businesses

Statistics show that the take up of Cyber Insurance among small or medium sized enterprise is still very low, despite the widespread coverage in the press about the danger to businesses of a Cyber-attack. This could be due to a lack of understandin…

Protect Your Car from Keyless Criminals

Protect Your Car from Keyless Criminals

With the continuous innovation of modern day technologies, we now live in a fast moving, highly convenient world where technology goes hand-in-hand with our every day lives. One of the fastest developing areas of technology is cars. They are b…

Ski Season – Don’t go off piste with your travel insurance

Ski Season – Don’t go off piste with your travel insurance

Now the festive period is over, you may already be digging out your ski equipment and eager to hit the slopes in Chamonix or St Moritz. But before you head out, have you checked your travel insurance covers you for any potential winter woes? When p…

Have Yourself a Lumley Little Christmas - Tips for a claim free festive season

Have Yourself a Lumley Little Christmas - Tips for a claim free festive season

With Christmas fast approaching, many of us have our heads full of presents, Christmas shopping and entertaining relatives. But whether we are shopping for the latest smartphone, jewellery or perhaps a new television for the family, our first consid…

An Interview with our Apprentice

An Interview with our Apprentice

Here at Lumley, we are proud to offer opportunities for young people and those new to the insurance industry by fostering an environment catered to learning and support. Our very first apprentice, Jack, spoke to us about his early experience. How h…

Make your firework display safe for everyone

Make your firework display safe for everyone

If you are holding a local firework display – at a school, sports club, village green and the like – it is important to responsibly plan for the event to ensure you and your visitors enjoy a spectacular display in a safe environment. Le…

Keep your home safe this Halloween

Keep your home safe this Halloween

Halloween can be traced back as far as the ancient festival of Samhain when, on the 31st of October, the ghosts of the dead would revisit the mortal world. To ward off any evil spirits in their midst, large bonfires were lit in each village. Druids …

Take the dread out of water damage

Take the dread out of water damage

We understand the distress caused if your home is damaged by water, and this type of claim is at its peak during these winter months. Heavy downpours and melting snow can dramatically increase the risk of flood and water damage as well as the threa…

Rebuild Cost vs Market Value - How to get it right first time

Rebuild Cost vs Market Value - How to get it right first time

When buying an insurance policy for your home, it’s vital that you insure it for the correct amount. With over a third of people basing their sum insured on purchase price, and 1 in 5 simply guessing, it can be difficult to pin a figure down. …

Moving House? Check Insurance off your list!

Moving House? Check Insurance off your list!

For most people buying a new home is an exciting time, but it rarely happens without a certain amount of stress. Amongst all the other things to think about, arranging the correct insurance for your new home can often be overlooked until the last mi…

Listed Properties - know your insurance obligations

Listed Properties - know your insurance obligations

Listed properties – what are your obligations when it comes to repairing them? Did you know that if your listed property is damaged, you are still subject to the same strict planning and building controls as if you just want to make changes t…

Holiday Homes

Holiday Homes

Buying a second home in your favourite holiday location is not only an aspiration shared by most, but a significant investment as well. Before you sign the deeds and pack your bags, have you considered the important insurance factors? We’ve put toge…

Open Gardens: Things to Consider

Open Gardens: Things to Consider

With the weather finally brightening up, are you planning on opening your gardens for a summer fete, charity event or Garden Scheme? Read on for expert advice on what you need to consider to ensure you can enjoy the day as much as your guests. If y…