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BIBA was formed in 1977 to represent independent insurance brokers, after the Department of Trade and Industry called for a move to a single trade body from the existing four separate ones. The task of bringing these four together was conducted by Francis Perkins who became the Chair of the newly formed British Insurance Brokers’ Association.
In 1988, following the introduction of the Financial Services Act, the organisation extended its membership to include Independent Financial Advisers, and became the British Insurance and Investment Brokers’ Association – BIIBA.
By 1994, the UK’s Independent Financial Advisers were coming under increasing pressure, which led to calls for the creation of an association dedicated to representing their interests. As a result, BIIBA was the driving force behind the establishment of its sister organisation, the IFA Association.
In September 1999, BIIBA removed the word ‘investment’ from its title, reverting to BIBA. In the intervening years another broker representative body the Institute of Insurance Brokers (IIB) had emerged and on 1 November 2011, BIBA and the IIB merged with a number of the IIB board directors joining BIBA’s board. Today, BIBA is the largest broker organisation in the UK, and has established itself as the industry’s most powerful and authoritative voice.
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Flooding Advice:
Some basic tips from an insurance perspective which may assist you, especially with the forecast for this evening.
BEFORE A FLOOD
Prepare the essentials
1. Bucket
2. Sand Bags
3. Spade
4. Wellies
Keep an eye on the following twitter accounts:
@Metoffice
@Envagency
Facebook Liz McInnes MP has been very good on providing updates for Heywood and Middleton areas.
In case you need to evacuate:
Agree where you will go and how to contact friends and family
DURING A FLOOD
1. Turn off the gas, electricity and water supply if it is safe to do so
2. DO NOT touch sources of electricity when standing in flood water
3. Beware of sewage
4. Wear protective clothing and drink bottled water only
5. Listen for flood advice updates in your area @bbcweather
6. Evacuate your home if neccessary
AFTER A FLOOD
1. Call your insurance company
2. Take photographs and make an inventory list
3. Don't throw away any items until your insurer says its OK to do so
4. You can arrange for emergency repairs to your property to prevent further damage
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The recent release of the ‘Hiscox Home of the Future Report 2015’ – a look at how the home might change in the next ten years – got me thinking about ‘Professions of the future’. With our lifestyles changing so quickly, how will this impact the services we need and buy?
Upstairs downstairs
Centuries ago, anyone with any money at all had servants – even if only a scullery maid; paid in bed, board and the occasional clip round the ear. With two wars and the changes they brought to society, the number of servants reduced significantly. Even the downstairs denizens of Downton Abbey have started to double up their roles.
I think we are now seeing a reversal for those people who have limited time to spare but some disposable income. How many of us employ cleaners and window cleaners for example? We may outsource our ironing and the job of mowing the lawn. We pay people to take care of our children – be that nannies and au pairs, or music teachers, tutors and TumbleTots.
As well as taking care of your kids and household chores, more and more people are employing people to take care of their dogs while they are out at work, rather than leaving Fido home alone for up to 12 hours a day. The Daily Mail recently ran an article suggesting that dog-walkers can earn as much as £64k a year – that’s nearly as much as an MP!
The big difference from years gone by of course is that, in many cases, people are employing trained, skilled professionals, who are anything but servants.
Outsource tasks large and small
Technology is also introducing new possibilities. We all live busy lives and cash-rich but time-poor individuals are starting to outsource tasks large and small to others. It started with concierge services such as www.quintessentially.com and www.bonvivant.co.uk, which specialise in things such as getting tables in booked-up restaurants, or booking seats for sold-out shows for people who could afford not only their fee but also the premium price involved. This has become more mainstream with the advent of services such as www.taskrabbit.co.uk to which you can outsource errands and chores. From helping research schools for your kids, to helping you with your household accounts, they can take some of the pain out of administration you need to do – giving you back time to spend on the things that really matter.
Lifestyle choices
As the Hiscox report outlines, it’s less about owning ‘things’, and more about lifestyle quality and experiences. In many cases, the professions of the future are already here and helping many people cope with busy working and family lives. Somebody else walking the dog though? The Earl of Grantham would definitely not approve.
Sam Newman
Hiscox Insurance
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We have received the following message from the Charity Commission:
“I am writing to notify you that the Commission’s address for service is changing from 11 August 2015. It would be much appreciated if you could forward this information on to your clients.
From tomorrow, the old PO Box 1227 address will cease to exist and will be replaced by a new PO Box address:
Charity Commission
PO Box 211
Bootle
L20 7YX
Any mail addressed to PO Box 1227 will either be returned to the sender by Royal Mail or, where no return address is available, forwarded to Royal Mail’s secure site to be securely destroyed.
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You may have heard that on the 8th June 2015, the paper counterpart to the photo card driving licence was abolished. The DVLA is advising that drivers destroy the paper counterpart as this will no longer be valid and just retain the photo card driving licence. It is worth noting this will only apply to drivers with both a photo card and paper counterpart licence. Paper driving licences issued before the photo card was introduced in 1998 will remain valid and should not be destroyed.
The paper counterpart has been used to display driving convictions and penalty points (endorsements) since 1998. As they will no longer be valid and all this information will now be recorded electronically, the DVLA has introduced an online solution for customers to obtain their licence information. The online “Share Driving Licence’ function allows a customer to obtain their licence details and then provide to third parties requesting it such as hire car companies. More information about this can be found by visiting www.gov.uk/view-driving-licence.
We ask for copy driving licences on motor trade and fleet policies where necessary.
IF you have any queries regarding your fleet insurance feel free to call us on 01706 404404
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