Welcome to Manor Insurance

Up until 30 April we are offering to save small businesses with standard insurance policies at least 5% on their renewal premium. There are 15 different insurers we can beat with a scheme underwritten by NIG Insurance (part of RBSI). The 15 insurers whose quotes or renewals we can beat are:-

In a landmark ruling the European Court of Justice recently banned the use of gender to rate insurance. This means that there will no longer be cheaper rates for lady drivers.

The ban comes into force on 21 December 2012, from which date male and female premiums must be the same.

The average cost of a claim for a young male driver is £4,800 whereas for a similarly aged female it is only £2,700. Currently this difference is reflected in the premiums lady drivers pay. It is estimated that a typical 18 year old girl will pay 50% more premium as a result of this ruling, whilst a 65 year old lady will only be paying 5% more.

We at Manor Insurance will continue to get our clients the very best rates we can for their motor insurance premiums using our skill to search the market for our clients to save them having to ring around themselves.

The organising committee of Beatles Day, at the White Rock Theatre on Sunday, April 10th 2011, are pleased to announce leading insurance brokers Manor Insurance of Queens Road, Hastings as their first sponsor for the 12th Beatles Day.
Beatles Day 12 will feature over ten hours of non-stop music from the Beatles back catalogue performed by over 300 of the area’s top musicians, singers and dancers.
Instigator and chief organiser of Beatles Day, well-known local singer Pete Prescott, is delighted that Manor Insurance has come forward so soon. “We need to cover all of our operation costs before the day so that every penny we take on the door or for the merchandise and raffle goes to Macmillan.” said Pete. “Generous sponsors like Manor Insurance mean we can achieve that target. Please support them as they are supporting us!”
Manor Insurance Managing Director, Ian Mantel is very pleased to be able to help. “Beatles Day is probably the best 10 hours of entertainment you will ever see. I am extremely pleased that we at Manor Insurance can help ensure that this event continues to raise so much money for such a good cause.” Ian added

Both stages in the White Rock Theatre will be used to fit in over 60 separate acts and there will be merchandising stalls selling souvenir tee-shirts, posters and a gigantic raffle with some excellent prizes including an HD ready LCD TV courtesy of Adams and Jarrett.

All of the musicians, organisers and helpers donate their time completely free and all the money raised goes to Macmillan Cancer Support to help people in Sussex living with cancer. To date, Beatles Day has raised over £100,000 for this very worthy cause.

Beatles Day 12 starts at midday and goes through to around 10.30. With your entry wristband, you are free to enjoy both stages and come and go as you please throughout the day. Doors open at 11.30.

Beatles Day 12
The White Rock Theatre, Hastings
Sunday April 10th 2011
12 midday -10.30pm

Ticket prices: £10 adult, £5 children under 14. Family ticket £25 (2 adults and up to 3 children under 14)

Delivering a cash sum when accidents happen
We all have accidents from time to time. And as we get older, the thought of having an accident or injury worries us even more. Fortunately, some accidents are less serious than others, although the may also put a strain on our finances, as recuperation can take longer as we get older.

Fractures, burns and broken bones can take a long time to heal which means other costs increase too - transport to the hospital, time off work, physiotherapy or keeping your house warm for long periods.

The Over 50s Accident Plan is a straightforward policy and from just £55 per year offers a choice of two levels of care and provides up to £30,000 to help deal with the consequences of an accidental injury.

We will also cover you for any personal effects that you may have damaged during your accident in the hope that this will ease your worries and aid you recuperation during your period of rest.

We’ve even made it easy for you to apply for cover. Simply visit
www.manorinsurance.co.uk/over50s.html for full details of benefits and to apply online. Alternatively call 0800 092 4383 during office hours if you wish to talk to someone.

In a little over a week the sound of fast jets will be heard over Eastbourne Seafront as the world famous Red Arrows take to the skies once more in their breathtaking display.

Travel Insured, the dedicated travel insurance team at Manor Insurance Services have once again teamed up with the RAF Red Arrows to bring you what is probably the very best acrobatic air display in the world. Our sponsor ship of the Red Arrows means that everyone can enjoy the show free of charge. There are no entrance fees to visit Eastbourne Airbourne and there are magnificent views all along the seafront.

The Red Arrows are displaying on Thursday 12th, Friday 13th and Saturday 14th and as a special treat we’ve arranged for the pilots to visit the arena on the Saturday after their display to sign autographs and have their photo’s taken with fans, again at no charge.

Visit our stand and you could end up the proud owner of the very latest book detailing a year with the Red Arrows signed by the pilots at the event, no purchase necessary.

If you can come along and visit the best, in our humble opinion, free seafront airshow in Britain, Eastbourne Airbourne, Thursday 12th – Sunday 15th August.

To celebrate Valentine’s Day we’re offering one lucky couple a weekend trip to Rome.

The Eternal City, famed for its romance and antiquities provides a wonderful setting for a weekend away.

Terms and conditions.
Competition runs until Monday 15 February 2010. Open to UK residents aged 18 and over. No purchase necessary. The prize consists of £600 Thomas Cook travel vouchers. No cash alternative. Quotes must be obtained online. There is no limit to the number of entries per person, however only fully completed quotes including contact details will be included in the draw. No correspondence entered into. The winner agrees to have their name and home town used for future publicity by travelinsured.co.uk and Manor Insurance Services Ltd. The winner will be notified by phone or email by 21 February 2010.

Q1 We are due to travel shortly but my wife probably has swine flu. Can we cancel and claim a refund?

Q2 I had to self-diagnose Swine Flu based on my symptoms and NHS advice. Am I covered to cancel my holiday even though I do not have a firm diagnosis or confirmation of medical necessity from my GP?

A2 Insurers who are members of the ABI have agreed to accept as evidence the unique ID number issued by the National Pandemic Service coupled with the original label of the prescribed anti-flu drugs which show the patient’s name and date issued. It is therefore important to retain this medication label to verify a claim.

Q3 Am I covered to cancel my holiday if the FCO has issued advice against travel?

Q4 Am I covered to cancel my holiday if I am concerned about travelling because of Swine Flu?

Q5 The airline refused to let me on board as they thought I had Swine Flu. Am I covered for cancellation costs?

A5 The airline’s medical officer will need to provide written confirmation of the reason for denial of boarding. If it transpires that you did not have Swine Flu your claim will be against them for ‘failure of service’. The legal expenses section of your travel insurance may assist with this claim against the airline.

Q6 Whilst on holiday abroad my travelling companion caught Swine Flu. Can I remain with him?

A6 The same terms and conditions should apply for Swine Flu as for any other medical condition. If the policy usually provides cover for a travelling companion to remain with them, then this would also apply in the case of an insured person being taken ill with Swine Flu if it is recommended by a doctor.

Q7 I am suffering from Swine Flu abroad. Am I covered for a friend/family member in the UK to travel out to be with me?

A7 Cover would be provided subject to normal policy terms and conditions, which would generally provide cover for one person to stay with them or travel from the UK to escort them home if medically necessary and recommended by the treating doctor.

Q8 I was suspected of having Swine Flu and quarantined beyond my scheduled return date shown on my insurance. Is my cover still valid?

A8 The policy would be extended until you return home and there would be cover under the policy for the costs associated with unexpected accommodation or hospital fees and the additional costs such as new flights etc. in bringing you home at the end of the quarantine period. This should be approved and arranged via the emergency medical assistance company shown in the policy.

If you are a client of Manor Insurance t/a Travelinsured.co.uk then please call us. If you took your insurance with another provider you should seek their advice regarding your specific policy.

This advice has been provided by www.travelinsured.co.uk, the specialist arm of Manor Insurance Services Ltd, authorised and regulated by the FSA 303639.

Manor Insurance are pleased to add Kelly to their team in their offices in Hastings. Kelly, 24 year old graduate form Bangor and Brunel universities will initially join the travel insurance team.

"We're very pleased to have someone of Kelly's calibre on board" said Director, Ian Mantel, " And she gets on so well with the customers."

Swinton Insurance was fined £770,000 by the FSA earlier this week and ordered to repay over 350,000 customers it had incorrectly charged. The FSA found that for a period between 2006 and 2008 the firm had mis-sold Payment Protection Insurance (PPI). This fine comes after a long line of banks have also received similar censure.

At Manor Insurance we have never sold PPI as it was clear to us that it was a never a policy that would offer genuine benefits to the majority of our customers. We are pleased to see the FSA crack down on those that sell it unduly.

Travel Insured are pleased to be the official sponsors of the world’s most iconic fast jets at the world’s biggest free seafront air show. The Red Arrows are set to display on all four days of Eastbourne Airbourne from 13-16 August 2009.

Travelinsured.co.uk was set up as a specialist department of Manor Insurance Services Ltd to provide travel insurance for those who may have difficulty obtaining the same from the mainstream providers.

Providing cover for people up to 110 years old as well as for those with medical difficulties or history of illness, TravelInsured.co.uk are considered a “sympathetic insurer” by the British Heart Foundation and many other national and regional charities. The company help people realise their dreams of travel, some of whom have never been ‘airborne’ before!

Director of TravelInsured.co.uk, Ian Mantel said “I believe it is wrong the way that many people are denied cover simply due to age or health. At Travelinsured.co.uk our aim is to provide full cover at a reasonable premium. Using Airbourne allows us to get our message across to our target market whilst also supporting one of the best community events in the country.”

Further details of TravelInsured.co.uk services, commendations and sample quotes can be found at www.travelinsured.co.uk.

We'd love to see as many of you as possible at the show - a great family day out! Further details of Airbourne 2009 are available at www.eastbourneairshow.co.uk.

It has been announced that UK residents visiting the Channel Islands will no longer receive free medical attention if they fall ill or have an accident. Likewise residents of the islands will now have to pay for any medical attention they receive in the UK.

The only exception to this is that immediate emergency treatment in A&E will still be provided free.

However if you are transferred to a ward, have any meals provided or need medical repatriation the costs will now fall on the traveller. As the Channel islands are outside of the EU the EHIC will not help UK visitors. It is now vital that travellers between these countries have adequate travel insurance to protect from unexpected medical costs.

Travelinsured.co.uk, the specialist travel arm of Manor Insurance, are pleased to offer policies to both UK and Channel Island residents of all ages, right up to 110 years old. Click here to get your quote now.

And don’t forget, anyone calling our office and taking an annual policy before 31 August who quotes "Airbourne" to our advisor can claim a free Corgi ™ Red Arrow™.

The Fabulous Five from Manor Insurance have smashed their fund raising target following the Cancer Research UK Race for Life.

Initially they set a target of £500 and so far they have more than trebled this raising a magnificent £1,744!

“We had a really good day, it was great to meet so many people,” says Director, Jo McCallum, “and we would like to thank all our friends and families for being so generous.”

Classic car, cherished car, agreed value cover, call it what you like, is designed to provide low cost cover for vehicles that are NOT daily vehicles, are kept in garages, treasured by their owners and have a certain historic interest. As such the premiums are set at a very low rate and the terms offered tend to be extremely attractive (low excess, agreed value, etc.).

Now these rates are at the lowest they have been in our 20 years as insurance brokers. In reality they have reduced drastically since the late 80’s as whilst inflation has affected us all, the premiums we charge have basically been static. This has been achieved in two ways. The first is the use of technology at the time of quote meaning the insurance companies have far less staff. The second is a reduction in flexibility.

We well remember issuing cover with Norwich Union for 17 year olds who just happened to own 11 year old Ford Escorts, did low mileage and said they kept them in the garage. Back in the late 80’s this was basically the classic premium doubled! Now of course this had a severe impact on the overall results of the Cherished Car book of business and so the age limit was raised.

The problem we now have is that so many people buy online, or deal direct with the insurer call centre. This method of buying means that you either fit or your don’t, no ifs or buts. For those that still deal via a specialist broker, such as Manor Insurance Services, the situation isn’t so bad. A good broker should be able to present a case to your insurer and get terms, but there must be a good case.

What helps? Well, it is essential that the young driver has their own car, insured in their own name; 12 months claim free driving since passing their test would also be useful. How long have you dealt with this broker/insurer? If you’re a loyal client then expect more than if you chop and change insurers from year to year. Be realistic over the mileage, remember you will probably have declared your annual mileage, this may increase with an extra driver available to take the car out. Finally consider your car. If you are a member of the Ford RS Owners Club expect a different response to someone with a 1930’s Austin 7.

Last updated: May 2009

Hastings United are all set to face the mighty Gunners at the home of football in Hastings – the Pilot Field.

Both the Gunners and the U’s will field legends from earlier teams and there’s a promise of some Arsenal celebrities as well.

With tickets at only £6 for adults, £4 for concessions and £2 for under 18’s this is a must for all Hastings and Arsenal supporters.

As providers of travel insurance for travellers with pre-existing medical conditions we are aware of the excellent work carried out by Cancer Research UK. AS such we have decided to provide the full sponsorship of the Cancer research UK Relay for Life event taking place in Hastings on 12/13 of September.

To help entrants there will be themed hours including Fancy Dress Hour, Comedy Hour and the ever popular Space Hopper laps!

For more information about the Relay for Life or to enter a team please click here

Manor Insurance Support Cancer Research UK Race for Life

On Sunday 14 June the Race for Life comes to Hastings and the Manor Insurance girls have all decided to take part.

Between them the five aim to raise £500 for this worthy cause. “Because we arrange travel insurance for cancer patients we know how the illness can affect all aspects of family life.

As such we decided we would do our bit to raise funds and awareness for Cancer Research” says director, Jo McCallum. “In particular we are racing for Holly's mum, Amanda Jones, who was diagnosed with multiple myeloma in January 2008. “

In addition Manor Insurance have agreed to match whatever sponsorship the girls raise.

Don't let your pre-existing condition stop your holiday!

Manor Insurance are proud to announce that we have extended our huge range of holiday insurance options even further.

We can offer holiday insurance for those receiving dialysis treatment, even if you are on a transplant waiting list! One mature couple who recently benefited from this cover were Mr and Mrs D of Bristol who took out cancellation insurance for their Caribbean holiday.

"With my husband being on the waiting list for a transplant, our lives have been on hold for so long and we needed a holiday" said Mrs D. "Thanks to Manor Insurance we were able to cover ourselves against cancellation in the event a donor was found at the last minute so we knew we wouldn't lose the money we'd paid for the booking.

It was such a relief and we were really able to look forward to the break without worrying."

Call us on 0800 092 4383 for our best quote or visit www.travelinsured.co.uk

Investing in the athletes of the future

Manor Insurance are proud to sponsor the Hastings Half Marathon Mini Run again in 2009. We've supported this local event in Sussex for the last five years, encouraging runners aged between 11 and 16 years of age to get fit and get active. The 2.5Km course is open to all - Mums and Dads can enter the main race too!

Click here to visit the official Hastings Half Marathon website

For the past year the news for buy to let landlords has been doom and gloom. Tenancy defaults on the rise and property prices crashing.

Well now for some good news!

In the past, if your tenants were in receipt of benefits, most insurers charged a higher premium for the buildings insurance. Manor Insurance Services are pleased to advise that all this is changing. As long as the tenancy agreement is directly between the landlord and tenant then there will be no surcharge added to the premium.

“With the credit crunch more landlords are finding their tenants are receiving benefits yet the level of claims arising from this is not significantly higher” says Director, Ian Mantel, “So we went to insurers and we have developed a policy to suit the needs of the buy to let sector”

Good news for firms inundated with paper work. As of 1 October the Department of Work and Pensions (DWP) say that you no longer need to display a copy of your Employer's Liability Insurance Certificate at every work place. It is now sufficient to have an electronic copy freely available to all staff.

But this doesn't mean you can do without the insurance. It is still a legal requirement for all firms employing people. If you fail to hold the correct cover your firm is liable to a fine of £2,500 PER DAY for every day cover is lacking.

Many people think you do not need cover if you only work with your spouse or close family. That is true if you are a partnership or a sole trader. But if you have formed a limited company the company must hold cover. After all, the whole purpose of setting up a limited company is to form a separate legal entity and the directors are all employees.

There are very few exceptions to this rule so best advice is to talk to your insurance advisor.

If your firm has no cover at present then it is imperative you make arrangements without delay.

Whether you work from home, have retail premises, a lock up or a small industrial unit please contact us today. We'll be happy to help.

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