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Installing Solar Panels - Insurance Considerations

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Tue, 22 Oct 2024 15:51:22 GMT

Photovoltaic Panels are increasing in popularity and attract plenty of benefits which most insurers are keen to support.

However...inevitably they pose significant additional risks such as:

Most insurers would consider the installation of panels to be a material fact that must be disclosed, failing to do so could jeopardise the cover provided by the policy.

Typically, once completed and handed over by the contractor, a roof installation will be deemed to be part of the fabric of the building and the building sum insured will need to include the cost of replacing the equipment from scratch. Failing to do so is likely to lead to underinsurance and the Average clause being applied. This has the effect of proportionately reducing any claims payment.

If you are considering installing solar panels it is important that you liaise with your insurers prior to proceeding with any installation to ensure cover can be provided and to understand any additional insurance costs involved.

Alternatively, if you have any concerns or queries regarding your policies, you can contact the team at Pangea Insurance Brokers on 02382 354 354.

Pangea Insurance Brokers are taking it ‘back to basics’ with our new branch opening!

Tue, 23 Apr 2024 09:50:10 GMT

Our brand new branch opening at Fryern Arcade, Chandlers Ford

Pangea Insurance Director, Michael Piper, discusses the new proposition:

“As an independent and trusted brokerage, you can feel assured that our advisors have close relationships with their contacts at all the reputable and well-known insurers that customers would expect. Overall, our team really are ‘taking it back to basics’ with personal, professional service. It is a unique and positive asset for the business to have a local store open, where our staff can talk to customers face-to-face and really take the time to understand their requirements and provide their advice. Imagine, being able to talk to someone who has full knowledge around insurance, and will be there each year to handle those rather ‘inconvenient’ renewals – giving you more time to do, whatever you wish!”

“We hope that this is just the beginning for our consumer services. Our aim is to keep expanding and for us to be able to reach as many of our customers as possible. Our team work incredibly hard to maintain strong relationships with all our clients, and a lot of that is built through trust and continued customer satisfaction. Therefore, not only are we excited to be introducing new customers through our doors, but we also have our existing customers in mind, who can now benefit from the added value of actually being able to sit down with their advisor.”

What is your overall message to customers?

We understand that no one really wants to talk about insurance. But the fact is, everyone needs it.

Our passion is creating long-term relationships with customers, whether they are a business owner, new home owner, or just looking for some guidance.

Put your trust in someone who is qualified and knows the insurance world inside and out, so that they can take away that stress for as long as you need them to.

We're Moving!!

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Sun, 14 May 2023 14:30:02 GMT

Having outgrown The Stable Building Pangea is moving up in the world.

We're delighted to confirm we've taken a long-term option on a new office space allowing us to continue to grow the Pangea team to serve even more clients. With effect from 22nd May 2023, Pangea will be moving into Unit 4, Hill View House, Leylands Business Park, Colden Common, Winchester, Hampshire. SO21 1TH.

Pangea Insurance Brokers signs multi-year partnership with Hampshire Circket

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Mon, 14 Mar 2022 10:35:12 GMT

Pangea Insurance Brokers becomes official supplier for Hampshire Cricket

Pangea Insurance Brokers are delighted to annouce a multi-year partnership with Hampshire Cricket.

The partnership sees Pangea Insurance Brokers become an Official Supplier of Hampshire Cricket, with its branding being featured in and around The Ageas Bowl.

Michael Piper, Director of Pangea Insurance Brokers said; “We are thrilled to be working with The Ageas Bowl. Being one of the South’s premier sporting venues, we are excited to enter into a long-term partnership with a similar-minded people. It’s great recognition of our belief in the importance of client-focussed principles.”

David Mann, Chief Executive at The Ageas Bowl, said; “We’re delighted to welcome Pangea as a new partner, and we are excited to work with a business that adopts a client-first ethos which mirrors our fan-first attitude. We look forward to working closely with Pangea along with what will hopefully be another successful season and partnership.”

New Year & New faces at Pangea Insurance Brokers

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Fri, 14 Jan 2022 15:04:43 GMT

Some exciting new additions to the Pangea team!

We are delighted to welco me Elaine Smithson & Guy Gilbert to Pa ngea In surance Brokers.

Elaine & Guy bring over 30 years of experience from large corporate brokers. Both are keen to leave behind the internal politics of a large multi-national business to join a young, dynamic independent broker whose focus is making clients number one priority.

Pangea Insurance & Croma Security Solutions Plc

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Sat, 11 Dec 2021 15:59:03 GMT

Pangea Insurance Brokers & Croma Security Solutions Plc enter into commercial partnership.

Pangea Insurance Brokers are delighted to announce our new commercial partnership with Croma Security Solutions Group PLC (CSSG) and welcome them as our newest client.

We look forward to working together to address our client’s security and insurance requirements and would happily recommend Croma Security for the needs of our clients with various services from CCTV, locks and keys, biometric access control, corporate security guarding, event stewarding, mobile patrols, close protection and front of house services.

In 2022 we will be hosting a number of events, showcasing the products and services that Croma offer along with how upgrading your security can affect your insurance policies.

We are hiring!

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Tue, 03 Aug 2021 07:55:43 GMT

Pangea Insurance are looking for a Business Development Manager

We are looking for an enthuastic individual to join our expanding commercial insurance team.

The ideal candidate will be responsible for generating new business and to develop your own client portfolio. Unlike normal business development roles, they will also be required to maintain and retain your book of business.

A strong insurance background is required with a minimum qualifcation of Level 3 CII Certification. Funding for furrther professional qualifications is availiable.

The candidiate will be provided with all the sales tools required to carry out this role.

A preferred candidate must have:

Experience of targeting new business preferable
Proven communication skills with the ability to work across all levels
Strong communication skills Strong project management experience.
Proven ability to develop simplified and efficient business processes
Experience of managing own time and completing multiple tasks/assignments with expected deadlines
Experience of developing and mentoring staff Experience / working knowledge of MS Excel and Word, Internet and email Business development experience targeting new business preferable

Located in our head office in Fair Oak, Hampshire, Pangea Insurance Brokers is an independent insurance broker specialising in commercial and business protection insurance.

A New Beginning....

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Mon, 04 Jan 2021 15:39:19 GMT

What have we learned from the Coronavirus crisis?

sophie.taylor@pangeainsurance.co.uk (Sophie Taylor) — Wed, 25 Nov 2020 10:15:11 GMT

What have we learned from the Coronavirus crisis?

We’ve all learnt many things as a result of Covid-19; that we can work well from home; that there is a thing as too many quizzes; that we make good or terrible teachers; that we can put on weight far too easy or can turn the living room into a gym; that isolation can be really tough or the catalyst for new invention and a new appreciation for how we value our time and what we do with it.

However, I think one of the main things we’ve learned is how financially fragile so many of us are – that a financial back-up plan is vital to get us through difficult times.

Fortunately one of the things our government got right in many, although not all, respects was the financial assistance it provided. One of the first things the government announced was the Job Retention Scheme followed by similar arrangements for self-employed workers. More than one in four UK workers (8.9 million) have been furloughed since the scheme began and 2.6 million self-employed workers have applied for the SEISS grant.
It could be easy, when we finally come through the other side, because of this safety net, to forget how fragile we were. Or equally it could be easy to think should we hit difficult times again that the net will be there to catch us. Now that may be true if something on such a global scale hits us, but what if the cruel hand of fate doesn’t grab us all but simply points a finger at you?

What if the illness that comes isn’t the result of a pandemic but is something much more personal - A serious injury, a critical illness, a mental health issue, a life changing condition?

According to research by the insurer Legal and General, the average UK employee and their household is only 32 days from the breadline. 46% of us have less than £1,500 in savings with 23% having none at all. That means nearly half of us are effectively one missed pay packet away from serious financial trouble.

Statutory Sick Pay is just £95.85 per week for 28 weeks and after that, state benefits are unlikely to be any better. For most of us this is a huge difference to the 80-100% of pay received whilst furloughed.

According to the Office of National Statistics, the average household spends £572.60 per week. So how would many of us would cope if we were unable to work due to a prolonged illness and forced to rely on the state? The answer is that most of us couldn’t, or at least we couldn’t live in the way we do now.

Most people, when questioned, think their biggest asset is their home or, if renting, their car. It’s not – YOU are your biggest asset. And yet, we insure our home, our car, our phone and even our pets. But how many of us insure ourselves? According to the Mintel Report of 2020 less than one in 10 adults in the UK have something in place to ensure their income is secure. For mortgage owners this figure rises to only 19% but for the self-employed, possibly the most vulnerable group when it comes to financial resilience, this figure is at 9%.

If you’ve not considered protecting your income before maybe now is the time to do so. It doesn’t need to cost much but income protection is a much more complicated product than simple life insurance as it’s designed to be flexible enough so as meet the needs of each individual. It also doesn’t cost anything to speak to a broker to find out exactly what you can cover, the options for underwriting and how much you will need to spend.

As the main bread winner in my family I know how much everything depends on my ability to go to work each day and earn a living. I know how quickly things could fall apart if I wasn’t able to, how quickly the dominoes would fall. If this pandemic has reminded us of anything, I think for many us, it’s that the unexpected can happen without much warning and if it does, we need a plan B.