Insurance sector work

Designing success for the financial services industry

Case Studies

© COHESION Design Services Limited

The number of risks facing businesses today forms a daunting and growing list. Having the wrong or not enough insurance to cover those risks, can be just as bad as not having insurance at all. And a single loss could immediately destroy the success that you or your company will have striven hard for over many years.

How Belmont International can help you

The aims of reducing cost, saving time, avoiding risk and being adequately compensated for loss all call for an integrated approach to your personal and business insurance needs.

Through teams of insurance professionals dedicated to your best interests Belmont International will give you

the reassurance that you are properly protected giving true cost benefits.

Why we’re different

Very few brokers have the in-house expertise across the broadest range of insurance, risk management, investment and employee benefits. This enables you to keep your time and costs to a minimum and ensure your protection is co-ordinated and adequate.

Our clients describe us as:

Guiding

Expert

Trustworthy

Professional

Responsible

Reassuring and… …Friendly

The Client-Belmont Partnership

Insurance professionals dedicated to your best interests.

Insurance and risk solutions – more important than ever

Analysis

Client/Belmont Partnership Fact Finding

Support

Claims

Implementation

Negotiation

Solutions

Review

360°

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Contact us

For a FREE comprehensive assessment of your business’s insur-ance needs please contact us. An indication of your insurance renewal date, even if this is some way off, would be helpful and will allow us look at options for you at the appropriate time.

Call David Armstrong, Associate DirectorTel: 01732 744715Fax: 01732 744729E-mail: [email protected]

Alternatively, just complete and return the attached response slip and we’ll contact you to arrange a convenient time to discuss how Belmont International can help you and your business.

Serious about insurance serious about service

Belmont International Limited is a company registered in England & Wales under company registration number 1427492. The registered office is located at Becket House,Vestry Road, Otford, Kent TN14 5EL. Authorised and regulated by the Financial Services Authority.

Prority response form

GENLFT0806

Name

Position

Company

Tel No

E-mail

Insurance Renewal date

Please contact me to arrange a meeting as soon as possible

Please contact me to arrange a meeting nearer to my insurance renewal date

I would like to receive Belmont International’s Newsletter

belmontI N T E R N A T I O N A L

C o m m e r c i a l I n s u r a n c e





I N T E R N A T I O N A L




I N T E R N A T I O N A LI N T E R N A T I O N A L



belmont







serious about insurance serious about service

20 years belmont international

10 years uk bus awards sponsors


Serious about protecting your businessHave you got it all covered?


www.belmontint.com

Belmont International is one of the top ten independent insurance brokers and financial advisers in the UK. We provide insurance, employee benefits and independent financial advice, and risk management advice to all sectors of industry and commerce, from local SMEs and private clients through to large Plcs.

We are not tied to any individual insurer, which means that we search the market for the most suitable partner(s) for our clients’ cover and budgetary needs, ensuring that we offer a tailor-made service, where personal customer service is paramount.

Established in 1988, we have grown steadily since, with over 100 employees in a single site.

We recognise the value of client focused self-managed teams dedicated to their customers’ best interests, constantly attending to their changing circumstances and annually pricing the insurance market for competitive prices.

An accredited Investor in People since 1999, training in both technical and interpersonal skills is at the top of our agenda.

About Belmont International

A tailor-made service, where

personal service is paramount.

Belmont International Information Leaflet


Case Studies


How we can help

For all the personal insurance needs you have, we have access to the entire UK and Lloyd’s insurance markets. Being independent, we’re not tied to any one insurer which means we’ll work with you and our insurer partners to ensure you get the best deal, along with the highest quality service.

Here are just some of the personal possessions for which we offer insurance solutions:

• Building and Contents

• Antique and Art

• Listed Buildings

• UK and Overseas Holiday Homes

• Car Insurance – including family “fleets”

• Personal Travel

• Yacht and Boat

• Self Build

• Pet

• Aircraft

Our promise to you

We realise that today’s insurance market offers many choices; banks and other financial institutions quoting discounted rates could offer cheap cover which may look tempting. However, it’s important to realise that this option could result in you receiving inferior cover for valuable items.

Our private client team will work with you to deliver individually tailored solutions with the correct level of cover and competitive pricing, accompanied by guidance and support.

We promise to deliver:

• Peace of Mind – reassurance that we understand your needs

• Competitive Insurance Costs – the right price

• Robust Insurance Cover – the right cover

• Proactive, Expert Advice – constantly available support and review

Why choose Belmont International?

We don’t simply supply personal insurance policies – we work in partnership with you, understanding the risks you face and obtaining the best insurance for your needs. For example, arranging your home, motor, travel and other personal insurance alongside your business cover, often provides a more cost effective solution.

If you need to claim, we will deal with the insurer on your behalf and you will be able to get in touch with your personal account manager at Belmont at any time.

If you intend to build or renovate a property yourself we also have our market-leading Self-builder Insurance package to assist. Our policy caters for conversions, renovations and extensions as well as new build projects.

We provide full cover for building works, plant and equipment as well as Employers’ and Public Liability. For more information, please call us free on 0800 018 7660, e-mail us at [email protected] or visit our Self-builder website www.Self-builder.com

Contact us For a comprehensive consultation and an assessment of your personal insurance needs please contact us. An indication of your insurance renewal date(s), even if this is some way off, would enable us to look at options for you at the appropriate time.

Call Stuart Rickett, Private Client Executive, on 01732 744721 or fax 01732 744729

email: [email protected]

Stuart Rickett, Belmont International Ltd.Vestry Road, Sevenoaks, Kent TN14 5EL

Belmont International Limited is a company registered in England & Wales under company registration number 1427492. The registered office is located at Becket House,Vestry Road, Otford, Kent TN14 5EL. Authorised and regulated by the Financial Services Authority.


www.belmontint.comSerious about insurance Serious about service

Private Client Insurance... ...essential for you with today’s risks.

Personal insurance is a key part of any individual’s security. Protecting your valuable assets and activities – from your home, property abroad, art and antiques, motor, private yacht and pets through to travel and specialist sporting pursuits – is of course, vitally important. We will ensure that you do not pay too much for personal insurance or have cover that doesn’t adequately protect you.

About Belmont InternationalBelmont International is one of the UK’s leading independent insurance brokers and financial advisers. Using our experience coupled with our considerable market leverage, we search the insurance market for the most suitable partners for our clients, ensuring that both cover and service fit their needs.

For twenty years we have provided solutions to private individuals as well as the owners and managers of our commercial clients. High quality customer service has enabled us to grow our business into the success story that it is today. Emphasis on professional, supportive advice will continue to form the backbone of our achievements.

Private Client Insurance

Serious about insurance Serious about service

Private Client Insurance

Belmont International High Net Worth Leaflet


Case Studies


Serious about your career?


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“�The�whole�company�welcomes�you.�I�love�the�sociable�atmosphere.��Progress�in�your�career�is�encouraged�and�rewarded”��S.�K.��Administrator�

What we offer• An excellent financial package with non- contributory pension, group life and medical insurance

• Development opportunities and paid study leave, in-house CII training

• Staff bonus scheme, bonuses for new business introductions, ‘bounty scheme’ for new staff introductions

• Employee assistance programmes

• Minimum 23 days annual holiday entitlement rising to 30 days year on year

• Excellent working environment with air-conditioning and staff break-out area

• Flexible working hours, free car parking

• Active Social Club, football and netball teams, company-sponsored social events

About Belmont International• Kent’s largest independent insurance broker and financial services provider

• A highly successful, fast expanding, results- orientated and well established organisation

If you want a new challenge, send a full CV and covering letter stating position sought and current salary to [email protected]

For more information about the company visit www.belmontint.com

From school leavers with good ‘A’ levels, through competent insurance and claims technicians up to Account Executives, we’re seeking people who are serious about their careers.

Belmont International Limited is a company registered in England & Wales under company registration number 1427492. The registered office is located at Becket House, Vestry Road, Otford, Kent TN14 5EL. Authorised and Regulated by the Financial Services Authority.

39To advertise telephone 01303 817040 JOBSFORKENT.CO.UKWeek ending September 7, 2008

Registered Charity No. 1039651A disclosure check will be required for the successful applicant

Demelza House is an equal opportunities employer and operates a no smoking policy.

Demelza Hospice Care for Children is a charity providing hospice carefor over 450 children with life-limiting illnesses and support for theirfamilies across Kent, East Sussex and South London. We offerspecialised care in our 8 bedded residential hospice in Kent and in thefamily home through our dedicated Community Team working in EastSussex, South West Kent and South London.

We are delighted to announce the opening of a further 6 bedded hospice in Wensley Close,Eltham which will further enhance the services we can offer to the children and families. We are seeking to recruit to the following posts:-

Children’s Palliative Care Nurses, commencing Dec, 08 (£28,418-£34,358 inc)• Qualified children’s nurse (RSCN, RNCB)• Ability to demonstrate good clinical skills and up to date Continuing Professional Development• Experienced in working either in palliative care of with children with complex needs• Working a full shift pattern to include nights, weekends. Full and part time posts available.

Children’s Palliative Care Assistants, commencing Dec, 08 (£14,862-£19,696 inc)• Qualified at NVQ level II in a relevant healthcare subject• Able to demonstrate the ability and willingness to increase your skills and work towards NVQ level III and our own

in-house competencies• Experienced in working either in palliative care, or with children with complex medical or psychosocial or behavioral or

educational needs• Working a full shift pattern to include nights, weekends. Full and part time posts available.

Housekeeper, Full Time, commencing ASAP (£18,261-£18,761 inc)• Knowledge of health and safety best practice, risk assessment, infection control and COSHH• Able to undertake physically active duties of this hands-on role• Able to manage a team of assistant housekeepers and volunteers - training as required• Previous experience in a healthcare environment an advantage.

Chef, Full Time, commencing ASAP (£21,261-£23,261 inc)• NVQ II in catering or equivalent• Diploma in Food Hygiene (level 4) and HACCP (level 3)• Working with a team of dedicated volunteers to cover daily main meal at midday and an evening meal, including some

weekends• Excellent health and safety and best practice knowledge• Knowledge of special diets and ability to train others in foundation food hygiene a distinct advantage.

Receptionist, Full Time, commencing ASAP (£18,261-£18,761 inc)• Excellent interpersonal, written and IT skills at all levels• Ability to manage and train a team of volunteers to effectively assist with a busy reception area, creating a friendly yet

professional welcome to all visitors• Ability to assist families with their luggage and safe, efficient entry into the care area when required

Care Team Administrator, Full time, commencing December (£23,261-£24,261 inc)• Excellent interpersonal, written and IT skills at all levels• Knowledge of medical terminology and experience of a previous child related setting• Ability to re-prioritize a changing workload and assist in a number of sensitive situations.

As an Investors In People employer we know how important You are and can offer -

• Structured on going education, support and professional development.• Competitive salary levels, pension package (including NHS pension if already contributing), pay enhancements for

weekends, nights and weekend working as part of our shift system for clinical employees.• Good annual leave and excellent working environment.For an application pack contact Recruitment Line on 01795 845295 Please note that our new hospice has NO PARKING facilities for employees or volunteers.Visit our website on www.demelza.org.ukClosing Date 17th September, 2008 Enhanced Disclosure checks by the CRB will be undertaken for successful applicants.Demelza is an equal opportunities employer and operates a no smoking policy.Rook Lane, Bobbing, Sittingbourne, Kent ME9 8DZ

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.job

s DRIVERSRecruiting for DRIVERS

HGV 1 -General Haulage

HGV 2 -Multi-Drop /

Dustcart / HIABOpportunities throughout Kent

Driver Hotline 0845 61 20 444

Invicta Motors is a well established and highlyregarded Ford CMA, with three locations

covering East Kent.We offer excellent benefits and prospects to

the right candidates.We are currentlyrecruiting for the following position:

TechnicianWestwood

We are looking for a vehicle technician to join ourbusy dealership at Westwood preferably MOT and

Ford Trained.The main duties would be to carry out inspections,routine services and MOT testing in a professional

and safe manner.The candidate must be able to work on your owninitiative and as a team, with good communication

skills and technical abilities.Please send your CV to:

Mollie Cooper at Invicta MotorsSturry Road, Canterbury, Kent CT1 1DR

or email [email protected] Date 19th September 2008.

No Agency Calls

SALES AGENTS£16k – £18k OTE (uncapped) + excellent benefits package | FOLKESTONE

Listening to customers. Taking the time to understand their needs. Building a real rapportwith them. That’s what we call doing things properly for our customers as we deliver greatservice, selling our products to people aged 50 and over.

And if you can help us achieve that, we’ll do things properly for you too. That means excellenttraining and development at every stage. It also means unlimited earnings potential andsuperb benefits including private healthcare, pension scheme, free car parking, social cluband discounts on insurance products, holidays and flights for you and your relatives.

What’s more, it means a friendly working environment – as well as all the training andsupport you need to do a terrific job.

The question is, have you got what it takes to be part of this fast-growing national company?You’ll need to be target driven and able to rise to new challenges, that’s for sure. But aboveall you must share our commitment to getting things right. Every time.

If it’s time for you to enjoy the rewards you deserve please write enclosing your CV, quotingreference SVS243/KOS, to Kerry Harrison, HR Officer, Saga Group Limited, The Saga Building,Enbrook Park, Folkestone, Kent CT20 3SE or e-mail: [email protected] Alternatively,please call 01303 774888 for an application form or download one from our website.

Closing date: 26 September 2008.

saga.co.uk

“Sales done properly?”That’s Saga.

ESM LtdExhibition Stand Design, Manufacture & Management

based in Gravesendrequire skilled

WOOD MACHINISTS &JOINERS/CARPENTERS

Immediate start, permanent positions.Good rates, depending on experience.

Email CV to: [email protected] telephone 01474 536360 - www.esm-uk.com

Belmont International Recruitment Ads


Case Studies


Authorised and regulated by the Financial Services Authority. Terms of business overleaf

40 Luton Road, Chatham, Kent ME4 5AA

Tel: 01634 400325Fax: 01634 402939

Partners: Paul Marsh Dip CII John Marsh Keith Marsh A.C.I.I.

MD_1885-Marsh Down-Letterhead-V4 12/9/06 14:23 Page 1

Professional IndemnityDirectors & OfficersHousholdPrivate CarCommercial Vehicles

Property OwnersBuy to letsLiabilityShopsOfficesCombined

FleetsMotor TradeTravelBreakdownLegal Expenses

Our products include:

Keith Marsh ACIIPartnerMobile: 07971 088383

40 Luton RoadChatham, Kent ME4 5AA

Tel: 01634 400325Fax: 01634 402939email: [email protected]

Marsh Down Identity


Case Studies


Towergate Underwriting Home Emergency Leaflets

Towergate Underwriting is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759. Authorised and regulated by the Financial Services Authority.4946/157/01.09/3703HEB www.towergate.co.uk

Boiler Servicing and Emergency RepairMaintain and protect your home’s gas boiler,

central heating and hot water system for just £16.58 per month

www.towergate.co.uk

Towergate Underwriting is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759. Authorised and regulated by the Financial Services Authority.4944/157/FL/01.09/3703HES

Home Emergency Select InsuranceProtect your home’s essential services

from £1.67 per month

With optional annual gas boiler service

Hot water/Heating

REPAIR A FAULTY CENTRAL HEATING SYSTEM £165*

REPAIR A BROKENDOWN BOILER.Average cost £500**

Over 55%* of domestic boilers break down every year affecting

more than 8 million homeowners. Finding a reliable, trusted tradesman can be difficult and expensive. You could end up with a cold house, no hot water and an unexpected bill.Annual Gas Boiler ServiceTo avoid this situation, Towergate Boiler Servicing and Emergency Repair

complements your home insurance by providing an annual gas boiler

service in line with statutory requirements, manufacturers recommendations

and relevant codes of practice. We will arrange to carry out a service within

14 days of policy inception.

24 hour Emergency Response and RepairIn the event that your gas boiler, hot water or heating system breaks

down following the service, call our helpline and we will dispatch a

qualified tradesman to fix the problem, with call out charge, replacement

parts and labour time free up to £2000 per claim. In the event that

economical repair is not possible, we will pay £500 towards the cost of a

new replacement boiler.

This service is only available for boilers less than 10 years old.Conditions apply, ask your broker for full details. * Source DAS Legal Expenses Insurance Company Ltd

** Source the Mail on Sunday November 2008

Don’t get caught out!Maintain and protect your home’s gas boiler, central heating and hot water system for just £16.58 per month

To find out more, please call your insurance broker

Every day, emergencies or breakdowns happen in essential household plumbing, electrical and heating services. For example over 55%* of domestic boilers break down every year. Homeowners can often find themselves in a situation where they don’t know where to go to find a reliable tradesman who can attend quickly and deliver a quality repair. At best they can expect a costly and unexpected bill.

24 Hour Emergency Response and Repair

To avoid this situation, Towergate Home Emergency Select complements your home insurance by providing a twenty four hour helpline to deal with a wide range of home emergency situations. In the event of an emergency breakdown, call our 24 hour helpline and we will dispatch a qualified tradesman to carry out the necessary repairs free of charge up to the sum shown below.

Choose the level of cover that’s right for you:

Cover Option Cover Includes Monthly price

Max sum paid per claim

Level 1 (WSP)Water Supply Pipes

Sudden leakage, collapse or blockage of the mains supply pipe

£1.67 up to £2,000 inc VAT

Level 2 (CW)Complete Water

Everything provided under Level 1, plus: Leaks and blockages to internal/external water pipes. Cold water storage tank. Leaking internal overflow pipes. Damage to waste drainage pipes. Burst pipes

£6.25 up to £2,000 inc VAT

Level 3 (CU)Complete Utility including Water, Gas & Electricity

Everything provided under Level 2, plus:A home emergency relating to the failure of the domestic gas or electricity supply (but not the mains supply)

£10.42 up to £2,000 inc VAT

Level 4 (H&B)Gas Central Heating & Boiler Breakdown

Annual gas boiler service We will arrange to carry out a service within 14 days of policy inception. Boiler breakdown cover will start following the service (only available for boilers under 10 years old)

£16.58 up to £2,000 inc VAT

Level 5 (FC)Full Cover

This includes all of the above £22.92 up to £2,000 inc VAT

Conditions apply, ask your broker for full details

Cold water

Hot water/Heating Waste water/Drainage pipes

Electrics

REPAIR A LEAKING PIPE JOINT £95*

REPAIR ACOLLAPSED DRAIN £550*

REPAIR A WIRING FAULT £120*

REPAIR A FAULTY FUSE BOX £195*

REPAIR A BROKENDOWN BOILER.Average cost £500**

Mains supply

COLLAPSED MAINSUPPLY PIPE Average cost £834*

REPAIR A FAULTY CENTRAL HEATING SYSTEM £165*

UNBLOCK A TOILET £90*

Protect your home’s essential services from £1.67 per month

Typical Emergencies you could be faced with.

The diagram below shows some typical emergency breakdowns which are covered by Towergate Home Emergency Select insurance.

* Source DAS Legal Expenses Insurance Company Ltd

** Source the Mail on Sunday November 2008

To find out more, please call your insurance broker


Case Studies


www.towergate.co.uk

Towergate Commercial Underwriting The Octagon, Middleborough, Colchester CO1 1TG

Tel: 0844 892 0965 Fax: 0844 892 0966 www.towergate.co.uk/tcu

Towergate Underwriting and Towergate Commercial Underwriting are trading names

of Towergate Underwriting Group Limited. Registered in England No. 4043759

Registered Office Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN.

Authorised and regulated by the Financial Services Authority.

1306/134/Ps/03.09/3896

Commercial CombinedSummary of Cover

www.towergate.co.uk



Towergate Underwriting and Towergate Commercial Underwriting are

trading names of Towergate Underwriting Group Limited.

Registered in England No. 4043759



1306/134/PS/07.09/3897

RetailersSummary of Cover

www.towergate.co.uk








1307/134/PS/07.09/3898

OfficesSummary of Cover

www.towergate.co.uk







1309/134/PS/07.09/3901

Public Houses and RestaurantsSummary of Cover

www.towergate.co.uk








1310/134/PS/07.09/3899

Hotels & Guest HousesSummary of Cover

www.towergate.co.uk







1308/134/PS/07.09/3900

SurgeriesSummary of Cover

Towergate Underwriting Summary Documents and Policy Wordings

Economy & Finance

Insurance sector work