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Feel the insurance love this Valentine's Day

Valentine’s Day is upon us, and many will be using the occasion to show their feelings by surpassing the standard ‘card and chocolates’ - in the US alone, The National Retail Federation is expecting consumers to spend $18.2 billion buying gifts.

However, Duncan Sutcliffe, director, Mann Broadbent, has some words of advice: “Without wishing to put a dampener on love, we want to make sure people are aware that if they are spending a bit more this Valentine’s Day, such as on jewellery, then to check their insurance policy covers it should the worst happen.”

Many home contents policies will have a caveat limiting the coverage offered for loss or theft of jewellery. Have a look at the wording of your policy, as it may be worth speaking to your broker to increase the limit or indeed specifying particularly high value jewellery items, such as engagement rings and watches, on your policy.

Duncan continued: “If you are buying a high-value product, particularly those with precious stones, such as diamonds, then request a valuation certificate - this provides peace of mind to you that you are buying what you think you are, and also helps your broker and insurer to put in place the right cover.”

Other considerations for your insurance is the security requirements - your policy may specify that items of a particular value should be in a safe at home or in a secure bank deposit, in order for the insurance to be valid. Similarly, the cover available may differ for inside and outside the home, so if you are considering a trip away, then give your broker a call to update your policy.

Duncan concluded: “Love is in the air, just make sure you’re covered for both the ups and downs that come with it!”

"Just a few lines to congratulate all at Mann Broadbent on your fabulous claims service , it makes my job easier believe me. Keep up the great work!"

Jeff Jones, Senior Partner, Lawson D Jones

The Somerset Cricket League contacted a number insurance providers when it decided that every club MUST have Public Liability cover if it was to be a member of the League. We looked at a selection...

Ray Hancock, Hon. Secretary, Somerset Cricket League

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Mann Broadbent have always gone to great lengths to look after the insurance needs of the Worcestershire FA and have provided an excellent service for over 20 years.

Mervyn Leggett, Vice - President, The Football Association

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I am continually impressed and greatly appreciated the prompt and very efficient service we always receive from Mann Broadbent in dealing with the Public Liability/ Personal Accident, ...

Les Todd, Vice President, Northumberland FA

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Mann Broadbent have gone to great lengths to understand the insurance requirements of Last Man Stands Franchise holders in the United Kingdom ...

Wayne Greve, Last Man Stands

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We moved all our insurance business to Mann Broadbent earlier this year and have found the service to be exemplary with the highest of professionalism at all times ...

Mike Pegg, National President, English Petanque Association

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Sutcliffe Insurance Brokers Ltd t/a Mann Broadbent is authorised and regulated by the Financial Conduct Authority 306068
2 Foundry Street, Worcester, WR1 2BJ tel:01905 612336 | Registered in England No 1167560
If you cannot settle your complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment.
The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR.
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