Why do I need Household Buildings Insurance?

Have you ever thought of what that means? Well that mock Tudorbethan gothic pile in Elmwood Close, off Treewood Drive, off Golf Course way just behind the leisure centre next to the park belongs to you.

Well, your name is on the mortgage, but the deeds are firmly held by the Chipping Sodbury Building Society and they'll probably make it a condition of the mortgage that you have house insurance.

Your interest is in making sure that the value of the house stays higher than the mortgage. In the normal course of events that should not be too difficult, a coat of paint now and again and it'll be fine as long as nothing disastrous happens. Uh oh, but what if something does? Then you owe a lot of money on something that isn't worth very much. Even if you don't owe money on the house it is probably still your largest single asset and something you could ill afford to lose.

Why do I need Public Liability Insurance?

It is impossible to eliminate all risks if you are running a business. However, the law states that if you cause damage to someone or their property then you will have to pay the claim amount which, in the worst case scenario, could run to many millions of pounds. By taking out Public Liability cover you are protecting your business against going bankrupt should the worst happen. The insurer will pay the claim and any legal fees. The knowledge that your business is protected will also give you the confidence to concentrate on the running of your business, rather than concerning yourself with “worst case scenarios”.

Why do I need Wedding Insurance?

Your wedding day should be one of the happiest days of your life. Months of planning should mean that you can enjoy the wedding of your dreams.

You may have made all the arrangements for your forthcoming wedding or you could still be in the planning stages for the big day. Whatever your circumstances, you’ll know just how costly a wedding can be. The average wedding can cost anything from £5,000 to £15,000!

Whether you decide to marry in the UK or Overseas, we can provide insurance to cover you should anythng go wrong.

Hopefully your wedding day will take place with no setbacks, but have you considered the things that can go wrong? Even the most carefully planned wedding can be ruined by disaster.

Why Do I Need Motor Breakdown Cover?

We don't realise how much we depend on our trusty motors until the unthinkable happens. It breaks down at home causing you to be late for that all important meeting or taking the kids to school or you find yourself stranded feeling alone and vulnerable on the motorway or in the middle of nowhere!

Crossbrook can offer you a Motor breakdown insurance for cars, motorcycles, scooters and small vans up to 15 years old.

Why is Gap Insurance so important?

The way we purchase vehicles has changed considerably over the past twenty years and now there are numerous options an individual or a company has when choosing to purchase or lease a vehicle; which will include Hire Purchase, Operating Lease, Lease Purchase, Personal Contract Purchase, Personal Contract Hire, Bank Loan or Contract Hire.

Why do I need Legal Expenses Cover?

Crossbrook offer a legal expenses policy with Direct Accident Management Limited.

Direct Accident Management gel can help if you have been involved in an accident, anywhere in the UK or Europe. We can provide you with legal expertise and legal expenses, of up to £50,000, making sure you are professionally represented so you don’t lose out.

How can I prevent my vehicle being broken into or stolen?  

Always make sure all windows and your sunroof are properly closed, lock all doors and turn on any security devices you have when leaving your vehicle unattended Take care when choosing a parking space, particularly at night or if you are leaving the vehicle for a long time. Wherever possible, park in a busy, well-lit area.

What types of Insurance Cover are available?

There are three types of insurance available; Third Party Only, Third Party, Fire and Theft and Comprehensive.

How do I tell in what year my vehicle was registered?  

Prefix Registrations Explained (E.G. X666 EON) - Prefix registrations are those which follow the format of a single year identifying letter (in the example above the X), then a number which can be 1, 2 or 3 digits in length (The above is an example of a three digit prefix with the number 666), and then finally three more letters (EON).

Am I insured to drive another car?

Why do I need Household Contents Insurance? 

By far the biggest problem for anyone is the risk of losing the contents of the home. Could you afford to replace everything you own if it was lost in a fire or stolen? If not, then you need contents insurance regardless of whether you own or rent. In the latter case this is very likely to be your responsibilty, not the landlord's.

DVLA Swansea - What do they do? 

The DVLC in Swansea is how technically the name of the actual enormous concrete edifice which houses the DVLA. DVLC stands for Driver and Vehicle Licensing Centre and was the former title of the DVLA before the department was termed for agency.