General Property Cover vital for mobile workers

There are risks for those carrying their tools of trade, or other portable equipment with them. Here are some examples of claims that have occurred.

 

Top Ten Phone claims

A farmer in Devon, England put in a claim for an iPhone he says disappeared up one of his cows when he’d been using the flashlight function to help during calving. The phone eventually was “returned”, but it was too damaged to use again.

The British farmer who lost his phone up bossy’s behind, he made top spot in the UK’s list of 10 ridiculous claims, compiled by MobileInsurance.co.uk.

The remaining Top 10 claims are as follows:

2. A woman from Nottingham baked her Nokia 6303i into her daughter's birthday cake – but didn’t survive the heat from the oven.

3. A woman claimed she'd been walking her dog when a seagull swooped down and took her Samsung Galaxy from her hand.

4. A woman from Bristol claimed the vibration function on her BlackBerry Bold 9900 phone stopped working when she used it as a sex toy.

5. A builder said his iPhone 4 fell out of his back pocket while he was in the bathroom. He only realized it had fallen out after he had flushed.

6. A man claimed his HTC One X was snatched by a monkey at a local safari park.

7. A couple re-enacting the “I’m the king of the world” scene from Titanic on a cruise ship dropped their phone overboard while trying to take a photograph of themselves.

8. A pyrotechnician accidentally left his iPhone 3GS within the "blast zone" at a fireworks competition in Plymouth.

9. A woman from Liverpool threw her HTC Desire X at her cheating boyfriend. Blame poor aim on this one – as it missed him and hit the wall instead.

10. A man dropped his phone from halfway up a tree while trying to film a Blur concert in London's Hyde Park

Latest News

High Court dismisses Business Interruption Test Case

Today the High Court dismissed appeal by Insurers on the Business Interruption test case. Even the big insurers make silly mistakes! But you the policy holder may benefit if you were one of the 40% of Business Pack policy holders that added Business Interruption cover to their Business Pack. While it was never the intent of insurers to cover policyholders for the loss of income from a pandemic, the fact that insurers never factored in a risk premium for it, and the fact there is supposed to be a material or physical loss to trigger the Business Interruption section, none of that matters according to the highest Court in the land. So what was the mistake? Simply that when insurers defined what they considered to be the definition of an infectious disease, they referred to the Quarantine Act of 1908 which since was superseded by the Biodiversity Act of 2015. Because the Quarantine Act of 1908 no longer exists, apparently you cannot draw on this for a definition of an infectious disease? Not one of the insurers picked up on this! Shows how much interest we take on the business of Governments, except what is reported in the media.

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Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

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