Entries by Kim Wood

The Invisible Property Protection System

Not to be confused with the drink, Smartwater is an innovative forensic marking system used to mark property in an attempt to reduce burglaries. Invented in 1993 by Phil Cleary; a former West Midlands police officer and his brother Mike Cleary; a chartered chemist operating out of their garage, they have grown to an internationally […]

Your Rights: Credit Card Protection

Here is the second edition of our ‘Your Rights’ series where we inform you of your legal rights as a consumer. Section 75 of the Consumer Credit Act 1974; an important but forgotten by many UK law. Pay in part or full for something in person or online (in the UK or for delivery from […]

Your Rights: Can You Claim Compensation for A Flight Delay

Welcome to our first feature in our ongoing blog series titled ‘Your Rights’ where we inform you of your legal rights as a consumer. In October 2012 the European Court of Justice ruled that passengers were entitled to compensation for cancelled or overbooked flights and delays over 3 hours. To be covered, your flight must be […]

Don’t Crack Up: All About Subsidence

What is subsidence? Subsidence is the downward movement (shrinkage) of the ground on which a building is supported. Causes: • Sub Soil – clay soils shrink as the moisture level decreases for example over periods of drought. • Trees and shrubs – massive quantities of water are absorbed from the ground by the roots of […]

The New Polymer £5 Notes

Launched on the 13th September 2016, most of us will now have had one of the new polymer £5 notes pass through our hands. For over 100 years paper has been used to create £5 notes. The reason for the change from paper to polymer is to make bank notes more durable, cleaner and counterfiet […]

Product Recalls: From Tumble Dryers to Smartphones

First it was tumble dryers and now mobile phones are bursting into flames. Following the problems with certain models of Whirlpool tumble dryers earlier in the year, you will have seen the news headlines that Samsung have issued a product recall on their Galaxy Note 7. This is due to reports of devices exploding or […]

New TV Licensing Laws

The way we pay for watching TV changed on the 1st of September 2016. New TV licensing laws have come into force, with changes affecting those that watch programmes on BBC iPlayer. Previously, you only had to have a TV licence if you watched live BBC broadcasts. The new rules put in place closed a […]

Another Unrated Insurer Enters Administration

Troubled Liechtenstein insurer Gable was the second insurer this year to be placed in administration due to its inability to raise sufficient capital to be solvency II compliant. This highlights the risks to brokers and their clients of placing business with an unrated insurer. Brownhill Insurance Group would like to reassure our clients that we […]

Our Chosen Charity – St. Christopher’s Hospice

We are proud to have entered our chosen charity of the year; St Christopher’s Hospice, into the Aviva Community Fund competition. Their Arts for Life Programme is a project of local and national significance, providing those with terminal illnesses access to art therapy to help manage the emotional turmoil of their condition by expressing themselves […]

How To Avoid Unwanted Calls

Bombarded by unwanted calls from Personal Injury and PPI companies? Most businesses today use mobile phones and unwanted calls are not only annoying and distracting but a waste of valuable time. Customary advice is to just ignore all unrecognised numbers and change your number if it becomes intolerable, however this isn’t an option for many […]