News

Winter sports enthusiasts have been warned to check that their insurance policies adequately cover them for all of their likely activities when abroad.

The warning comes from the British Insurance Brokers’ Association (BIBA), who have also published a checklist for holidaymakers to complete before they head for the slopes in 2007.

BIBA is concerned that one in seven holiday makers has no travel insurance at all, and with over a million heading for the slopes this winter, hundreds of thousands could be putting themselves at risk.

The BIBA checklist includes:

1. Have you ensured that your travel insurance policy covers winter sports?
2. Are you putting yourself at risk by relying on credit card insurance policies or similar travel insurance products?
3. Are you just relying on your free European Health Insurance Card (EHIC)? As many clinics on the slopes are private.
4. Have you checked with your insurance broker that your insurance adequately covers any potential activity while on the slopes? E.g. If you ski off piste should you be accompanied by a guide?
5. Make sure that you obtain a travel insurance quote from a broker as many insurance policies from tour operators and travel agents are tied to one insurer, are expensive, often exclude terrorism cover and have high or multiple excesses.

Many people come home injured from winter sports holidays each year. The Foreign and Commonwealth Office has listed ski-slopes amongst its top five locations where injuries are most likely to occur.

The basic cost of treatment for a broken wrist in Europe is £3,000 and contrary to popular belief the EHIC card does not ensure free medical attention in all cases. If you need to be airlifted from a mountain or flown home in an air ambulance you can be looking at a bill of tens of thousands of pounds. The vast majority of ski slopes in EEC countries have no public healthcare available. In France, even for a broken arm or leg you will normally be treated in the resort where the piste rescue, doctor, ambulance and pharmacy are all separate organisations and all privately owned, so you cannot use your EHIC card.

Graeme Trudgill, Technical Services Manager at BIBA, has warned:

“We estimate that millions will be heading to the slopes this season and too many of these will be putting themselves at risk by travelling without adequate travel insurance cover or no cover at all. We want everyone to be able to enjoy their holidays with peace of mind, and we want to ensure that if anything should go wrong they have the appropriate level of care, and won’t be left out of pocket.

“Winter sports are renowned to be some of the most dangerous, and we believe that many skiers and snowboarders are leaving the UK without adequate cover or no cover at all.

“Our advice is clear – don’t put yourself or your family at risk. Check you are properly covered by speaking to your insurance broker before you set off.”

The Foreign Office estimates that if you aren’t adequately prepared for your holiday it could end up costing you:

• £600 for two days in a general ward – Mediterranean
• £400–600 for Gastro-enteritis – Mediterranean
• £10,000 for a broken leg – USA
• £20,000–30,000 for a heart attack – USA
• £15,000 for bronchitis requiring seven days inpatient treatment, Far East
• £20,000 for bronchitis requiring seven days in-patient treatment, USA

And the cost of repatriation to the UK if you don’t have the correct travel insurance:

• £30–35,000 Air ambulance (Jet) – East coast of USA
• £12–16,000 Air ambulance (Jet) – Canaries
• £10–12,000 Air ambulance (turbo-prop) – Balearics
• £1,200–3,000 Air taxi (propeller driven light aircraft) – Northern France
• £15–20,000 Scheduled flight, stretcher and Doctor escort – Australia
• £9–12,000 Scheduled flight, seated club, with a nurse escort – West coast of USA
• £1,800–4,000 Scheduled flight, seated economy with a Doctor escort – Mediterranean
• £100-£800 Scheduled flight, seated economy without an escort – Mediterranean
• £3,000-£6,000 Scheduled flight, stretcher and Doctor escort – Mediterranean

Further travel insurance advice from the Foreign Office can be accessed online here.

Coversure Insurance Services are members of the British Insurance Brokers Association – www.biba.org.uk; this article is reproduced here with their kind permission.

Remember; remember… to check your insurance ahead of Bonfire Night
With Bonfire Night only a month away, the British Insurance Brokers' Association (BIBA) is warning homeowners to double check their insurance cover before lighting a bonfire near their property or setting off any fireworks.

The warning comes because every bonfire night sees thousands of pounds worth of property damage occurring across the UK as a direct result of the misuse of fireworks or a failure to properly supervise or control bonfires.

Government figures show that in 2005 fireworks injured nearly one thousand people in the four-week period in October and November that covers Bonfire Night. The figures, found at http://www.dti.gov.uk/…ile30136.pdf, show that the North West, the South East and the North and Yorkshire regions are the UK’s danger spots for firework injuries.

The figures show the following regional breakdown for the number of firework injuries in 2005 (during the same four week period):

North Western – 179
North & Yorkshire – 131
South East – 131
Trent – 121
Scotland – 93
West Midlands – 89
Wales – 69
Greater London – 65
Eastern – 64
South & West – 49
Total – 991

The figures also show that the majority of accidents involving fireworks occur at home or in the immediate vicinity of houses – highlighting that insurance cover is a necessity. Without insurance, even a seemingly minor mishap could become a financial nightmare.

Every year sees a raft of insurance claims in the days following Bonfire Night. Claims, related to the 5th November celebrations, include:

• Shattered windows
• Garden damage
• Fire spreading to outbuildings or homes
• Personal Liability for injury to other parties e.g. guest or neighbours

Every homeowner or Bonfire Night party host should be checking their insurance to ensure they are covered.

Commenting, Graeme Trudgill, Technical Services Manager at BIBA, said:

"Too many people are putting themselves and their property at risk on Bonfire Night. We want everyone to enjoy themselves, but only after they have taken the necessary measures to insure against mishaps, and to cover themselves should anything go wrong.

“We strongly urge homeowners to check their property insurance cover with their local brokers to ensure they are covered, and to follow the Firework Safety Code. After all, 36% of UK homeowners don’t have building insurance. By taking these simple steps everyone will enjoy the night with peace of mind and without finding themselves in harms way.”

Coversure Insurance Services are members of the British Insurance Brokers Association – www.biba.org.uk; this article is reproduced here with their kind permission.

Coversure Reigate is proud to be asked to offer advice, information and also arrange insurance for visitors to www.doorsupervisorinfo.co.uk.

Carl Howard, DSi Marketing Manager is pleased to have Coversure's Reigate office on board, saying “It is great news for DSi, Mark Barton from Coversure Reigate has a wealth of experience and a good reputation within our industry”.

Door Supervisor Info (DSi) is an information site for security professionals and doormen alike. The information provided free of charge ranges from general operating procedures to insurance as well as other useful topics. You can also find stories posted by doormen, videos, products and links to other sites within the security industry spectrum.

Herman Vermaak, CEO of DSi said “We all should know by now that a doorman is the most visible aspect of security in a nightclub or bar. The proper application of doormen as part of a nightclub and bar security plan is important. Most doormen are still seen as “bouncers”, referring to an image of a brawler who will break up fights and forcibly eject patrons. Doormen are often portrayed as tough, thug-like scrappers who love to fight”.

He later goes on to say "Although the Security Industry Authority has come into effect, controlling training and regulating the security industry as a whole, it has achieved very little in terms of changing the image of doormen in the UK. Doormen still end up in situations where they are wrongly arrested for offences committed whilst working on the doors.

Training has been undertaken to get a door badge, however, a lot of doormen are still unaware of the do’s and don’ts in the industry. We as doormen ourselves have undertaken the task of helping doormen in this respect by providing information on various topics concerning doormen duties and aiming for a better understanding as to where doormen stand with their rights and responsibilities.

We do understand that doormen are very reluctant to work with the Police in respect to their rights, but we see it as a step forward for reducing wrongful and unnecessary problems arising from incidents involving doormen and the public.

We are also aiming to combine this feature with other services ranging from finding employment, questions and answer section, equipment and other useful and relevant information that will help doormen to do their job effectively and encouraging a better environment for doormen."

For further information, product sourcing for companies and private individuals please visit www.doorsupervisorinfo.co.uk.

During April and May 2007 over 1,800 customers were invited to respond to a number of questions in relation to their dealings with and the service offered by Coversure Insurance Services. The survey was sent out to a wide range of customers, both male and female and aged 17 years old and upward. The survey asked customers to provide feedback on the service, advice and products purchased from Coversure, as well as an indication as to whether they would purchase another product through Coversure or recommend Coversure to their family and friends.

The results of the survey were very pleasing and encouraging, showing 96% of respondents were satisfied with the service/advice received from Coversure. Of this 96%, 72% were very satisfied indicating nearly three quarters of our customers are very satisfied with the service/advice received from Coversure.

In addition to this, 95% were satisfied with the policy that was recommended by Coversure, of which 58% were very satisfied. These figures indicate that the insurance needs of our customers are being assessed accurately and our sales staff are recommending the correct policy to meet their needs. Further to this, 99% of respondents said the product was explained properly and that they understood the product fully.

With the positive results seen above, it was no surprise to see that 98% of respondents would purchase another product through Coversure and 97% would recommend Coversure to their family and friends. This demonstrates that our customers are happy with both their policy and the service received. These are excellent findings as it indicates that customers must have a lot of faith in the products and service Coversure offer in order to put their reputation on the line and recommend Coversure to their family and friends. When asking the customers if they felt they had been treated fairly in their dealings with Coversure, 97% of respondents said they had been treated fairly.

The final question asked the customers to rate their overall dealings with Coversure, 96% of respondents rated their dealings with Coversure as good and 77% of these felt their dealings were very good. This is very impressive and expected in a way, given the results in the previous questions.

To conclude, the April/May 2007 Customer Satisfaction Survey results were very impressive and an improvement on the good results from last year’s survey. The survey shows how important it is to use customer feedback to continuously improve the products and service we offer customers. Over the last twenty years, we have worked exceptionally hard to ensure we have the right products and to give exceptional service to our customers and it’s always very pleasing and gratifying to receive such positive responses from our customers.

Following the release of the highly awaited British government report warning that global warming could have a disastrous effect on the world's economy, shrinking it by 20%, the British Insurance Brokers’ Association (BIBA) has warned businesses to “wake up the very real threat of climate change”.

The warning comes after it was revealed by the respected economist Sir Nicolas Stern that tackling the problem now would require 1% of global gross domestic product.

BIBA is concerned that too many businesses in the UK, particularly small and medium sized operations, are failing to plan for the impact of climate change.

Climate change experts have consistently warned that Britain faces hotter, drier summers; milder, wetter winters; and an increasingly intensive frequency of extreme weather conditions.

As a result, an increasing number and severity of insurance claims is expected from UK businesses following flood, subsidence and storm damage.

Yet far too few businesses are taking action to prepare and insure for such changes.

Commenting, Steve Foulsham, Technical Services Officer at BIBA, said: “It is absolutely vital that businesses wake up to the very real threat of climate change, particularly from flooding at this time of year.

“There can be no excuse for ignoring what the experts are saying.

“I strongly urge all businesses to get ‘climate change wise’ and to speak to their insurance broker as a matter of urgency. Take sensible steps to protect your business and employees, and to properly insure yourself so you are covered should the worst happen.”

All businesses, via their insurance brokers, need to be prepared by adapting their risk management procedures and business resilience plans now.

For instance, some quick tips that businesses should consider include:

• Regularly testing their Business Continuity plan to ensure it will operate in the event of a disaster
• Ensuring business stock is not stored directly on the floor but raised at least 6 inches onto racking or pallets (to combat flooding)
• Discussing the adequacy of sums insured and extent of insurance cover with their broker
• Moving IT Servers from ground floor to a first floor location where appropriate (to combat flooding)
• Engaging with regional climate change groups to provide access to expertise

Coversure Insurance Services are members of the British Insurance Brokers Association – www.biba.org.uk, this news article is reproduced here with their kind permission.

As a Member of the British Insurance Brokers Association (BIBA), Coversure Insurance Services in Reigate, Surrey are pleased to be able to offer its commercial clients access to a new Crisis CONTROL Service provided by ISS Damage Control so that in an emergency we have made sure you have all the support you need. In the event of a fire, flood or natural disaster contact ‘Crisis CONTROL’ to receive the following:

• A UK-wide site response within 4 hours
• Practical advice and expert damage consultation
• Initial loss mitigation support
• A costed damage assessment report
• A partner who can ensure you the quickest return to normal working.

ISS Damage Control deals with the consequences of disaster each and every day. They provide a one-stop advisory and mitigation service to reduce the costs of disaster.

This service operates mainly through the decontamination, and restoration to its former condition, of an extensive range of assets and materials, from buildings and heavy machinery, to delicate electronics and documents. Our objective is to get matters back to normal with the minimum cost and delay.

Since the degree of success in renovation improves so dramatically the sooner deterioration is arrested, ISS Damage Control provide a free post-disaster advisory service, enabling insurers, loss adjusters, or any other party, to ascertain without obligation whether there are any cost-effective steps that can be taken to remedy a situation. For further details about the full service and specialist disaster recovery skills for business clients please contact us or visit www.iss-damagecontrol.co.uk.

Direct access

Advice and assistance is available 24 hours a day 365 days a year through our disaster recovery hotline 0800 0855 134.

This is not an answering service, but gives direct contact to an ISS Damage Control project manager who will be able to give immediate post disaster advice and mobilise an emergency response team should this be required.

Should you have recently suffered a loss as a result of flash flooding within the UK over recent weeks then please contact your Insurance Company as soon as possible. As you may not have your documents to hand or they are water damaged, I have provided the following link, by CLICKING HERE you will be directed to the ABI Website listing its Insurance Company Members detailing address, telephone number and often a web link by clicking the Insurers Name highlighted in bold blue text. Your Insurer will be able to trace your policy number by your address and company name so do not worry but, remember to ask for your policy number and claims reference and confirmation of the claims dept telephone number (unless this is your Insurance Broker) during your call for future reference.

Advice from Mark, Commercial Manager or Coversure Insurance Services

Firstly, do not endanger you own life or risk the lives of others to protect property.

If you have your policy documents, follow the claims procedure as stated within the policy wording, again an electronic version can be found on most Insurers websites.

You will be allowed to make emergency repairs (up to an agreed limit) in order to secure the premises (Locks/Windows) and/or make safe, such as remove falling tiles, debris, vehicles and this will be paid for by Insurers when you claim and supply the receipts for services rendered or materials purchased.

In your particular area you may find a shortage of water pumps (Be VERY careful when using electricity near water, try diesel generator style pumps or manual pumps), dehumidifiers (commercial standard/size) therefore, you may need to venture further afield to purchase one, alternatively your Insurer may source a supplier albeit supply and demand will be stretched over the forthcoming days and weeks ahead…so time to plan early.

Remove damaged flooring/furniture and keep/stored in the back garden should an inspection be required (unlikely due to scale of disaster area). Now the drying out procedure starts and this could take weeks…do not attempt to remove/inspect plaster just let it dry first and avoid any attempt of decorating until drying has completed, such as dehumidifiers no longer catching water.

Once the drying process is underway, business owners need to turn their immediate attention to the recovery of the business. Staff still need to be paid and services/stock sold to generate income. Hopefully you will already have a contingency plan and this will have started as soon as the floods started…if not, arrange for recovery of stock / data / samples / equipment and find a temporary site with which to operate, which may be a rented commercial unit, office or even allow employees to work from home assuming they have not also been affected.

Now concentrate on trading ASAP and don’t forget to use the Increased Costs of Work and Business Interruption section of your Insurance policy, how you spend the money etc. often needs to be agreed in writing by the Insurers Claims Inspector in the first instance albeit reasonable costs should be fine.

Once the drying out of your premises is complete, start to arrange redecoration, landscaping and replacement furniture and equipment with your Insurers Claim Department.

After you have relocated back to your original premises you will then need to address the long-term financial impact of the flood, in respect of financial loss, in order to make a full Business Interruption claim for which the insurers will provide assistance along with your accountant.

Campaign launched to encourage SMEs to ensure their businesses and employees are protected in the event of an emergency

New independent research, commissioned by the British Insurance Brokers’ Association (BIBA), has revealed that millions of small and medium sized enterprises (SMEs) across the UK are failing to protect themselves and their employees in the event of emergencies such as fire, flood or an act of terrorism.

As a result, BIBA has launched a high profile campaign to encourage SMEs to get serious about business continuity, the practice of ensuring that businesses are protected in the event of an emergency. The campaign is being backed by politicians from all parties.

Government figures suggest nearly one in five businesses suffers a major disruption every year. Further research suggests 80% of businesses affected by a major incident close down within 18 months, and 90% of those who lose their data are forced to close down within two years.

Small enterprises in particular suffer severe financial loss if closures prevent or restrict trading over a period of weeks or even months. In research conducted by Populus, figures show that alarming numbers of SMEs are not prepared to deal with sudden crises that jeopardise their business.

With approximately 4.3 million SMEs in the UK, employing around 12 million people, this sector is vital to the UK economy. Effective planning to deal with unexpected events makes good business sense – it ensures that a business is protected and can continue its essential operations in the aftermath of an emergency.

Commenting on the campaign and the new research, Eric Galbraith, Chief Executive of the British Insurance Brokers’ Association said:

“Our research reveals an incredibly worrying trend amongst the essential small business sector in the UK. Too many businesses are putting themselves and their employees’ futures at risk by failing to put in place proper continuity plans should the unexpected happen.

“Every business needs to be properly prepared for a worst case scenario. Small businesses are vital to the UK economy and we simply cannot afford for them to be complacent. I urge every business to urgently speak to their broker to ensure they are properly covered.”

Mike Penning MP, Member of Parliament for Hemel Hempstead who has been supporting constituents impacted as a result of the Buncefield oil depot fire in December 2005, has been a leading campaigner on the issue. This week he tabled an Early Day Motion supporting the campaign in Parliament. He commented:

“I strongly urge every business to double check that they have an adequate business continuity plan in place. There is a real threat that your business, and your employees’ jobs will be lost if you do not prepare for the unexpected.

“Buncefield was a prime example of something that no one expected causing heartache to thousands. I do not want to see anyone experience the lows that my constituents did in 2005 and urge all businesses to get serious about business continuity.”

Commenting on the importance of having a continuity plan in place, David Croucher, Home Affairs Chairman at the FSB said:

“Small businesses are particularly at risk from the impact of an unexpected event such as a flood or act of terrorism. It is not just the initial impact that does the damage, it is the period elapsed until the business gets back up and running again. A long period out of action can spell the end for many small businesses. As a result, the Federation of Small Businesses urges all firms to plan for the unexpected and to put in place proper continuity plans to protect their business and employees.”

Director of Civil Contingencies Secretariat, Bruce Mann recommends that all organisations have in place robust, flexible business continuity management arrangements. He said:

"From the Carlisle floods to the London bombings and the Buncefield explosion, incidents have shown clearly the vast range of impacts emergencies can have on organisations across all sectors, affecting profits and operations. This is bad for employees, shareholders, customers and communities.

“Good Business Continuity Management will ensure that the impact of any emergency on business will be minimised, and should help business recover quickly.”

Welcoming the campaign Patrick Mercer MP, Shadow Security Minister said:

“This research shows us that too many businesses have no contingency plans for disasters. The SME sector is vital to the UK economy, and it is essential that it takes every step possible to ensure that it is protected against the worst case scenario.

Events in recent years including the Carlisle floods, the Buncefield explosion and even the tornadoes in London have shown just how suddenly businesses can be hit.

I urge all SMEs to get real about business continuity planning now, and ensure that they are in a position to survive should the worst happen.”

Coversure Insurance Services are members of the British Insurance Brokers Association – www.biba.org.uk, this news article is reproduced here with their kind permission.

LONDON, Tuesday 5th June 2007 An overwhelming majority (87%) of the UK’s leading energy experts say that the UK energy industry is facing a serious skills shortage, according to a new survey launched today by Doosan Babcock, a world leader in energy technologies.

The Doosan Babcock ‘Energy Pulse’ survey, which polled 500 UK energy experts including senior corporate executives, energy analysts, MPs, environmentalists, NGOs and academics, revealed that the vast majority of respondents believe that the UK is facing a serious skills shortage. This signals genuine concern amongst the industry that skills shortages will seriously impact on the UK’s ability to implement the recommendations of the recent Energy White Paper. Iain Miller, Chief Executive Officer, Doosan Babcock says, “The Energy White Paper went some way to tackling issues such as security of supply and the potential energy gap but there is clearly an increasing unease amongst energy experts about the ability of the industry to implement all the investment required. ” “To put this in context, the energy sector is competing for the same skills that will be needed for the 2012 Olympics and other infrastructure projects so we really need a clear commitment to skills within the energy sector if we are to support the necessary new build and retrofits needed to avert a generation gap.”

For the first time, the survey also polled students from Imperial College London to gain their understanding of the issues seriously impacting the energy sector and there was a mixed reaction from industry and students to the reasons behind the skills shortage: o 50% of industry respondents felt that skills shortages were due to a lack of government support or investment.

Energy industry concerned about government response to skills shortages
Amongst students, the highest percentage (47%) felt that a better awareness of competing sectors was the most significant reason for the skills shortage in the sector; this was followed by a feeling that there were poor career prospects for engineers (41%).

The nuclear challenge
The majority of Energy Pulse survey respondents believe that nuclear energy has a substantial part to play in solving the energy gap (56%) however; it is a balanced portfolio that is considered to be the ultimate solution (61%). Amongst industry experts, clean coal with CO2 Capture and Storage, nuclear energy and a balanced portfolio were all seen as equally able to make the most short term or immediate impact to solving the UK’s energy gap (62%).

Amongst students, however, renewables was highlighted as providing the best short term impact (61%); this was closely followed by a balanced portfolio (59%). Interestingly, the majority of respondents (22%) stated that winning support for nuclear energy would be the single biggest energy challenge for the UK in 2007, this came ahead of other challenges such as encouraging households to reduce the level of energy demand (19%),filling the UK energy gap (19%) and meeting emissions targets (18%).

Insignificant industry impact on climate change
Engineering students and industry experts alike have a similar opinion regarding Corporate Social Responsibility (CSR) programmes and their impact on combating climate change. 71% of industry respondents and 67% of student respondents stated that in their opinions corporations’ CSR programmes have an insignificant impact on climate change. Worryingly and surprisingly, the recent Stern Review on the Economics of Climate Change by Sir Nicholas Stern, Head of the Government Economics Service and Adviser to the Government on the Economics of Climate Change, is not expected to impact on governments according to a total of 77% of respondents. About the survey Doosan Babcock’s ‘Energy Pulse’ survey polled 500 UK energy experts including senior corporate executives, energy analysts, MPs, environmentalists, NGOs and academics, to produce a broad and unbiased collation of attitudes towards current sector issues and challenges.

The survey results are accompanied by full comment and analysis from Dacre Purchase, Managing Director, Scottish Resources Group, Robert Armour, British Energy, Dr Mike Colechin, R&D External Manager, EON UK Secretariat to the Energy Research Partnership, Dr Pierre DeChamps, European Commission, Dr Ian Mays, CEO RES Group, Keith Anderson, Renewables and Major Projects Director, Scottish Power, Peter Evans and Dr Tariq Ali, Imperial College, Michael Roberts, CBI, Dr Mike Farley, Doosan Babcock.

Coversure Insurance Service in Reigate is pleased to recommend MHL support for a simple solution to its client’s business management needs. Most business owners recognise that rapidly changing legislation in Health & Safety and Employment Law requires that you protect yourself and your company from Tribunal claims and criminal prosecution.

Learn more…

We appreciate the SME’s are unlikely to currently have the time, resource or trained ‘competent’ person in place, as required under the Management of Health and Safety at Work Regulations 1999. Therefore, in order to assist you, and meet our professional obligations as brokers, we have sourced the UK’s premier provider MHL Support Plc to assist you and other clients in meeting your policy obligations.

MHL offer an Internet based management solution for businesses with less that 15 employees including Directors alternatively; a more personalised service is also available if you are not comfortable with using technology or for businesses with more employees including multi- million pound turnover companies.

At no more than a retainer fee basis, MHL Support Plc will, for either of the following service or combined:

Health & Safety:

1. Carry out statutory competent Health & Safety inspections of your premises and activities
2. Produce a confidential report outlining and shortfalls
3. Recommend simple solutions to reduce or eliminate hazards by way of introducing the Health & Safety Policy and Management system.

Employment Law:

1. An initial visit to review existing arrangements and draw up the Statutory Section 1 EU/UK compliant Conditions of Employment.
2. An implementation visit to introduce the contracts and system.

Under both services, annual visits, legislation updates and additional visits all supplemented with a 24 Hour, 365 days a year Support Line are available to your authorised personnel. In the unlikely event that a tribunal does arise, MHL, using their in-house advocacy department, will cover all coasts incurred including the payment of any awards, through their indemnity provision.

If you accept professional support from MHL, this will benefit your company by:

• Ensuring that you are compliant with the law and are not at risk from tribunals, fines or imprisonment.
• Providing evidence to your insurers that you have a safe system of work allowing them to defend potential Employers Liability Claims.
• Giving us the opportunity to convince insurers that you take Health & Safety seriously enabling us to negotiate the best possible renewal premiums.

For firms employing more that 15 employees, please contact Coversure on 0870 458 5744 or Rob Plant directly at MHL Support on 08707 560 600.