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To: "" <admin@sarahharvey.com>
Message-ID: <0B.3F.34601.D01F1096@i-0cf6f7431ecbe72fa.mta1vrest.sd.prd.sparkpost>
Date: Wed, 29 Oct 2025 10:48:45 +0000
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Reply-To: enquiries@bateman-group.co.uk
From: "The Bateman Group" <enquiries@bateman-group.co.uk>
Subject: Fair value in insurance, what does it mean for you?
Feedback-ID: 052-f9ffd3bd-a4bd-476a-9b27-d2039a8919fd:001-624559ff-cf1a-4a8b-bb1b-43c0467581c1:swiftpage-eu:actsend

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<p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:1=
6.8px">Welcome to October's newsletter from The Bateman Group -&nbsp; exper=
ienced insurance brokers helping businesses, families & individuals since 1=
967.</p></div></div>=0A</td></tr></table><table class=3D"image_block block-=
2" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"=
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cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20Newsletter%20Images%2024_11.p=
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heading_block block-3" width=3D"100%" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rsp=
ace:0"><tr><td class=3D"pad" style=3D"padding-top:10px;text-align:center;wi=
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om:0;mso-line-height-alt:28px"><span class=3D"tinyMce-placeholder" style=3D=
"word-break: break-word;">Fair Value in Insurance: Your Rights Under New FC=
A Rules</span></h1></td></tr></table><table class=3D"paragraph_block block-=
4" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" =0Arole=
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ight:400;letter-spacing:0;line-height:1.2;text-align:center;mso-line-height=
-alt:17px"><p style=3D"margin:0">=0AAs the FCA continues its mission to tig=
hten the ropes of insurance regulation in the UK, you may soon start to not=
ice some changes. The Financial Conduct Authority (FCA) has intensified its=
 focus on ensuring that insurance products deliver genuine value for money,=
 placing fair value at the heart of its Consumer Duty framework.</p></div><=
/td></tr></table><table class=3D"button_block block-5" width=3D"100%" borde=
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:1.2;text-align:center;margin-top:0;margin-bottom:0;mso-line-height-alt:28p=
x">Making Your Home Climate-Resilient</h1></td></tr></table><table class=3D=
"paragraph_block block-9" width=3D"100%" border=3D"0" cellpadding=3D"10" =
=0Acellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-=
table-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"c=
olor:#000;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans-ser=
if;font-size:14px;font-weight:400;letter-spacing:0;line-height:1.2;text-ali=
gn:center;mso-line-height-alt:17px"><p style=3D"margin:0">=0AClimate change=
 is no longer a distant threat. It=E2=80=99s a present reality affecting ho=
meowners across the UK. With extreme weather events becoming more frequent =
and severe, protecting your property has never been more important. Here ar=
e some practical tips to protect your property.</p></div></td></tr></table>=
<table class=3D"button_block block-10" width=3D"100%" border=3D"0" cellpadd=
ing=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspac=
e:0;mso-table-rspace:0"><tr><td class=3D"pad"><div =0Aclass=3D"alignment" a=
lign=3D"center"><a href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-=
4a8b-bb1b-43c0467581c1/055-81557720-98c2-495b-9121-8529784b2fa5=3Fenr=3Dnaa=
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adqabnaa2aayqameaggabnaa4aaniageadkabnaa2qayiaheadgadfaa4qaoiahaadcadgabsqa=
niapqaecad4aa=3D=3D=3D=3D=3D=3D" target=3D"_blank" style=3D"color:#ffffff;t=
ext-decoration:none;"><!--[if mso]>=0A<v:roundrect xmlns:v=3D"urn:schemas-m=
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aageaggabrab6aazaamiagcadfaa4qazqamiadmabnabraamaageadqabnaa2aayqameaggabna=
a4aaniageadkabnaa2qayiaheadgadfaa4qaoiahaadcadgabsqaniapqaecad4aa=3D=3D=3D=
=3D=3D=3D"  style=3D"height:42px;width:132px;v-text-anchor:middle;" arcsize=
=3D"31%" fillcolor=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0=
px" color=3D"#00529b"/>=0A<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px=
,0px">=0A<center dir=3D"false" style=3D"color:#ffffff;font-family:sans-seri=
f;font-size:16px">=0A<![endif]-->=0A<span class=3D"button" style=3D"backgro=
und-color: #00529b; mso-shading: transparent; border-bottom: 0px solid tran=
sparent; border-left: 0px solid transparent; border-radius: 13px; border-ri=
ght: 0px solid transparent; border-top: 0px solid transparent; color: #ffff=
ff; display: inline-block; font-family: Arial, Helvetica Neue, Helvetica, s=
ans-serif; font-size: 16px; font-weight: 400; mso-border-alt: none; padding=
-bottom: 5px; padding-top: 5px; padding-left: 20px; padding-right: 20px; te=
xt-align: center; width: auto; word-break: keep-all; letter-spacing: normal=
;"><span style=3D"word-break: break-word; line-height: 32px;"><strong>Read =
Article</strong></span></span>=0A<!--[if mso]></center></v:textbox></v:roun=
drect><![endif]--></a></div></td></tr></table><table class=3D"divider_block=
 block-11" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><=
td class=3D"pad" style=3D"padding-bottom:10px;padding-top:5px"><div class=
=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" role=3D"presentation" width=3D"100%" style=3D"mso-table-lspace=
:0;mso-table-rspace:0"><tr><td =0Aclass=3D"divider_inner" style=3D"font-siz=
e:1px;line-height:1px;border-top:1px solid #bbb"><span style=3D"word-break:=
 break-word;">&#8202;</span></td></tr></table></div></td></tr></table><tabl=
e class=3D"image_block block-12" width=3D"100%" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso=
-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%"><div class=3D"a=
lignment" align=3D"center"><div style=3D"max-width:600px">=0A<a href=3D"htt=
ps://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-815=
57720-98c2-495b-9121-8529784b2fa5=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao=
4ac4adcabqqa5aamuag2adbabxaaliam4aheadpab2qa4aafyaggadpaaxaa5ianmac6aduabua=
aziafuagoadsabsqayiaoqac2adjabzqayiafuahgadiabqqa2yamuac2advabyaaliao4agsad=
mabwaaliammagcadtabuaalianeahgadbabzqaliaomahkadsab3aa2iaoyagkabnaazaamaagi=
adkabpab6aayiamqag2adjabxaaqaaomagcadsabqqa2aanaagcadsab3aaziapeac4addabxqa=
3iapqadmad4aazqayyaheadoaddaa2qaoiamuac2adgaa2qanaaguac2abuabraamaamuac2adc=
abraaziagaac2adcaazaaziagyaggabzabrqamyameadeabxaa3qa7aagaadkabsaawqazqahea=
gmadgabsaamyamiagiabnabqqanaamiagiabnaa2aanyagyagcabnaa4qayqagiadoabnabsaam=
qagaadgabzabqqaoaaheadcabzabtaazaapqadaabvaa4qaliaheadcabzaa2aaoaagyadsabsa=
awqamaameadiadcaawqanaamyadqabtaawqayiageadoadeaawqazqagiagiabyaa3qamqamyad=
qabqabraamaamyahyabqaayaamiafuadmabsaa2aaniaguadsadgabtaaliammagmabrabqqali=
agqagcabyabraaliamiageabrabraaliagqadgaddaayaanaagyadoabvaa4aamiammadcad4ab=
saayqameagkabzabtaayqagyac2adcaayaamiahaac2abuabraayiammac2abyaa2qamiaguac2=
abvabqqaoiagmagkabzaa4qaoaageagmadfaa2qa7aaieahyaa=3D" target=3D"_blank"><i=
mg src=3D"https://inboxguru.s3.amazonaws.com/001-624559ff-cf1a-4a8b-bb1b-43=
c0467581c1/Bateman%20Group%20Newsletter%20Images%2024_10.png" style=3D"disp=
lay:block;height:auto;border:0;width:100%" width=3D"600" alt title height=
=3D"auto"></a></div></div></td></tr></table><table class=3D"heading_block b=
lock-13" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0">=0A<tr>=
<td class=3D"pad" style=3D"padding-top:10px;text-align:center;width:100%"><=
h1 style=3D"margin:0;color:#555;direction:ltr;font-family:Arial,Helvetica N=
eue,Helvetica,sans-serif;font-size:23px;font-weight:700;letter-spacing:norm=
al;line-height:1.2;text-align:center;margin-top:0;margin-bottom:0;mso-line-=
height-alt:28px"><span class=3D"tinyMce-placeholder" style=3D"word-break: b=
reak-word;">The Great ISA Shake-Up: Will Cash ISAs Survive 2025=3F</span></=
h1></td></tr></table></td></tr></tbody></table></td></tr>=0A</tbody></table=
><table class=3D"row row-3" align=3D"center" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-=
lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content sta=
ck" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;border-rad=
ius:0;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr><td cl=
ass=3D"column column-1" width=3D"100%" =0Astyle=3D"mso-table-lspace:0;mso-t=
able-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-to=
p:5px;vertical-align:top"><table class=3D"paragraph_block block-1" width=3D=
"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentati=
on" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><=
tr><td class=3D"pad"><div =0Astyle=3D"color:#000;direction:ltr;font-family:=
Arial,Helvetica Neue,Helvetica,sans-serif;font-size:14px;font-weight:400;le=
tter-spacing:0;line-height:1.2;text-align:center;mso-line-height-alt:17px">=
<p style=3D"margin:0">The UK=E2=80=99s ISA landscape could be heading for i=
ts biggest transformation since 1999. With Chancellor Rachel Reeves under p=
ressure to boost UK economic growth, rumours suggest the government is prep=
aring to slash, or abolish, the cash ISA allowance in the upcoming Autumn B=
udget.</p></div>=0A</td></tr></table><table class=3D"button_block block-2" =
width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"pr=
esentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=
=3D"pad"><div class=3D"alignment" align=3D"center"><a href=3D"https://click=
eu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-81557720-98c2=
-495b-9121-8529784b2fa5=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4adcabq=
qa5aamuag2adbabxaaliam4aheadpab2qa4aafyaggadpaaxaa5ianmac6aduabuaaziafuagoa=
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agmagkabzaa4qaoaageagmadfaa2qa7aaieahyaa=3D" target=3D"_blank" style=3D"col=
or:#ffffff;text-decoration:none;"><!--[if mso]>=0A<v:roundrect xmlns:v=3D"u=
rn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:w=
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aa2aaoaagyadsabsaawqamaameadiadcaawqanaamyadqabtaawqayiageadoadeaawqazqagia=
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iammagmabrabqqaliagqagcabyabraaliamiageabrabraaliagqadgaddaayaanaagyadoabva=
a4aamiammadcad4absaayqameagkabzabtaayqagyac2adcaayaamiahaac2abuabraayiammac=
2abyaa2qamiaguac2abvabqqaoiagmagkabzaa4qaoaageagmadfaa2qa7aaieahyaa=3D"  st=
yle=3D"height:42px;width:132px;v-text-anchor:middle;" arcsize=3D"31%" fillc=
olor=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#=
00529b"/>=0A<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px,0px">=0A<cent=
er dir=3D"false" style=3D"color:#ffffff;font-family:sans-serif;font-size:16=
px">=0A<![endif]-->=0A<span class=3D"button" style=3D"background-color: #00=
529b; mso-shading: transparent; border-bottom: 0px solid transparent; borde=
r-left: 0px solid transparent; border-radius: 13px; border-right: 0px solid=
 transparent; border-top: 0px solid transparent; color: #ffffff; display: i=
nline-block; font-family: Arial, Helvetica Neue, Helvetica, sans-serif; fon=
t-size: 16px; font-weight: 400; mso-border-alt: none; padding-bottom: 5px; =
padding-top: 5px; padding-left: 20px; padding-right: 20px; text-align: cent=
er; width: auto; word-break: keep-all; letter-spacing: normal;"><span style=
=3D"word-break: break-word; line-height: 32px;"><strong>Read Article</stron=
g></span></span>=0A<!--[if mso]></center></v:textbox></v:roundrect><![endif=
]--></a></div></td></tr></table><table class=3D"divider_block block-3" widt=
h=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad=
" style=3D"padding-bottom:10px;padding-top:10px"><div class=3D"alignment" a=
lign=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rsp=
ace:0"><tr><td =0Aclass=3D"divider_inner" style=3D"font-size:1px;line-heigh=
t:1px;border-top:1px solid #bbb"><span style=3D"word-break: break-word;">&#=
8202;</span></td></tr></table></div></td></tr></table><table class=3D"text_=
block block-4" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;wo=
rd-break:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:20px;pad=
ding-left:5px;padding-right:5px;padding-top:10px"><div style=3D"font-family=
:sans-serif"><div =0Aclass style=3D"font-size:12px;font-family:Arial,Helvet=
ica Neue,Helvetica,sans-serif;mso-line-height-alt:14.399999999999999px;colo=
r:#555;line-height:1.2"><p style=3D"margin:0;font-size:14px;text-align:cent=
er;mso-line-height-alt:16.8px"><span style=3D"word-break: break-word; font-=
size: 14px;">For advice on any of the topics covered in this newsletter spe=
ak to our experts by calling </span></p><p style=3D"margin:0;font-size:14px=
;text-align:center;mso-line-height-alt:16.8px">=0A<span style=3D"word-break=
: break-word; font-size: 14px;">0800 731 6689 or email us <a href=3D"mailto=
:enquiries@bateman-group.co.uk" target=3D"_blank" title=3D"enquiries@batema=
n-group.co.uk" style=3D"text-decoration: underline; color: #0068A5;" rel=3D=
"noopener">enquiries@bateman-group.co.uk</a><br></span></p></div></div></td=
></tr></table></td></tr></tbody></table></td></tr></tbody></table><table cl=
ass=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" =0Arole=3D"presentation" style=3D"mso-table-lspace=
:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" al=
ign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:=
#4768b7;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr><td =
class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top=
:5px;vertical-align:top">=0A<table class=3D"social_block block-1" width=3D"=
100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><d=
iv class=3D"alignment" align=3D"center"><table class=3D"social-table" width=
=3D"108px" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0;display:inline-block"=
><tr><td style=3D"padding:0 2px 0 2px">=0A<a href=3D"https://clickeu.actmkt=
.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-81557720-98c2-495b-91=
21-8529784b2fa5=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4adgabqqayyamua=
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