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From: Bateman Group <enquiries@bateman-group.co.uk>
Date: Wed, 31 Jul 2024 18:02:21 +0100
Subject: Are you underinsured?
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Are you underinsured?
Why being underinsured matters...=C2=A0=C2=A0=C2=A0=C2=A0
Hi=C2=A0,=C2=A0=C2=A0=C2=A0=C2=A0
What is underinsurance?
This is without doubt the biggest single issue that the insurance industry =
has to deal with =E2=80=93 and it is important for you to understand the im=
plications in protecting your home, business and any other assets you may h=
ave. Here we try to help explain the main issues you need to understand and=
assist you in making sure it doesn=E2=80=99t happen to you!
If a building is valued at =C2=A3300k but insured for only =C2=A3200k, and =
a total loss (like a fire) occurs, it is unlikely the insurer will pay the =
full =C2=A3200k. Instead, they could apply an average clause, which adjusts=
the payout based on the ratio of the insured amount to the actual value of=
the building. In this case, they would only pay =C2=A3132,000. This calcul=
ation is based on the insured amount being two-thirds of the building's act=
ual value, meaning the insurer will pay two-thirds of the insured amount.
Therefore, it is critical to ensure that your cover limits are a true refle=
ction of the current total rebuild or replacement value, otherwise your cla=
im may not be paid in full or even at all! We cannot overstate the importan=
ce of regularly reviewing your sums insured and ensuring accuracy, even if =
annual indexation is applied to your policy: and if you are in any doubt of=
being under-insured, then you need to contact professional valuers for gui=
dance and specific advice.
There are a number of various websites and tools available to help you asse=
ss these values accurately. Please remember that you are responsible for th=
e accuracy of pre-filled forms when using rebuild calculator websites such =
as https://calculator.bcis.co.uk. (https://bateman-group.briefyourmarket.co=
m/Goto/659277-98713-MNELWB)=C2=A0We would always recommend that you careful=
ly consider the output from such websites; and if you are in any doubt, hav=
e them rechecked professionally.
=C2=A0=C2=A0=C2=A0=C2=A0
______________________________________=C2=A0=C2=A0=C2=A0=C2=A0
Our insurance (https://bateman-group.briefyourmarket.com/Goto/659277-98714-=
GVSM8E)=C2=A0=C2=A0=C2=A0=C2=A0
Some useful tips in preventing under-insurance:=C2=A0=C2=A0=C2=A0=C2=A0
1) Check your limits! - Should you have a claim, your insurance policy sche=
dule will advise you of the amount(s) you can claim up to. Please regularly=
review that these limits are adequate so that in the event of a total loss=
your claim is paid in full.
2) Keep your policy up to date! - If you have made any large purchases (ove=
r =C2=A31500) during your current insurance period your insurer may need to=
know. Keep your policy up to date to prevent underinsurance.
3) We want to know about your buildings too! - If you are planning any reno=
vation or structural works your insurers will want to hear about it. If you=
are making any big changes this could impact the value for the rebuilding =
of the property. Keep your insurers up to date with the ongoing works and/ =
or changes in value to ensure your policy remains adequate.
4) Always check & review sums insured at renewal! =E2=80=93 although many i=
nsurers offer indexation every year, this may still not keep up with increa=
sed values and changes/additions that you have made during the year =E2=80=93=
so don=E2=80=99t rely on the figures always being adequate, take the time =
to properly assess your needs.
5) Ask for a Checklist =E2=80=93 we have designed a useful checklist to ass=
ist you in assessing the value of your contents on a room=E2=80=94by-room b=
asis, and this has proved helpful to many clients in giving them a structur=
e to make a start =E2=80=93 if you would like one, just give us call or ema=
il a request, and we will send you one to get you started.
=C2=A0=C2=A0=C2=A0=C2=A0
Please note that the same principles of under-insurance =E2=80=93 and the c=
onsequences =E2=80=93 can affect all insurance policies=E2=80=A6. therefore=
, whether you are insuring your home, your business or your rental property=
=E2=80=93 it is imperative to ensure that the values you advise are accura=
te and adequate, otherwise the consequences could be very disappointing=E2=80=
=A6.
We are obliged to remind you that Bateman Group are not qualified or profes=
sional valuers and do not provide this service =E2=80=93 and therefore it i=
s not our responsibility to check or advise if values are adequate.
We are always here to help, guide and assist - and if you have any concerns=
regarding your existing cover, then please do not hesitate to contact us o=
n 01926 4095113 to discuss your requirements in more detail =E2=80=93 it=E2=
=80=99s always better to prevent a problem beforehand than it is to try to =
deal with it after the event!
=C2=A0=C2=A0=C2=A0=C2=A0
Visit website (https://bateman-group.briefyourmarket.com/Goto/659277-98714-=
GVSM8E)=C2=A0=C2=A0=C2=A0=C2=A0
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vestments</a>
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S, Lucida Sans, Tahoma, sans-serif;" align=3D"center">
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pacing=3D"0" width=3D"620" class=3D"width100" align=3D"center">
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<td style=3D"padding:10px; font-size: 16px; color: #313=
131; font-family: Trebuchet MS, Lucida Sans, Tahoma, sans-serif;">
<div id=3D"bym-dropzone1" bym-type=3D"Dropzone"><ta=
ble class=3D"bym-email-responsive" width=3D"100%" cellpadding=3D"0" cellspa=
cing=3D"0" border=3D"0"><tr><td><table align=3D"left" cellpadding=3D"0" cel=
lspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable">=
<tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpaddi=
ng=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-p=
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Layout" bym-size=3D"600,40" bym-meta=3D"{"columnWidths":[600],&qu=
ot;readonly":false}" bym-change-number=3D"2" class=3D"bym-layout-style=
"><tbody><tr><th style=3D"vertical-align: top;width: 100%;font-weight: norm=
al;" class=3D"bym-email-layout-responsiveColumn bym-email-layout-column" al=
ign=3D"left" width=3D"600"><table align=3D"left" cellpadding=3D"0" cellspac=
ing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><=
td style=3D"padding: 10px;"><table align=3D"left" cellpadding=3D"0" cellspa=
cing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr=
><td style=3D"padding: 10px;border-width: 0px;border-style: none;border-col=
or: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D"0" style=3D=
"font-family: "Trebuchet MS", "Lucida Sans", Tahoma, sa=
ns-serif;font-size: 16px;color: rgb(49, 49, 49);min-width: 60px;font-weight=
: 400;display: table;" bym-type=3D"TextBlock" bym-meta=3D"{ "toolbarTy=
pe" : "Full" }" id=3D"bym-segment-new7" bym-size=3D"600,614"=
bym-change-number=3D"20" width=3D"100%"><tbody><tr><td><div><span style=3D=
"font-size: 20px; font-weight: bold; color: #313131;">What is underinsuranc=
e?</span></div>
<br>
<div>
<div>
<div>This is without doubt the biggest single issue that the insurance indu=
stry has to deal with – and it is important for you to understand the=
implications in protecting your home, business and any other assets you ma=
y have. Here we try to help explain the main issues you need to understand =
and assist you in making sure it doesn’t happen to you!</div>
<br>
<div>
<div>If a building is valued at £300k but insured for only £200=
k, and a total loss (like a fire) occurs, it is unlikely the insurer will p=
ay the full £200k. Instead, they could apply an average clause, which=
adjusts the payout based on the ratio of the insured amount to the actual =
value of the building. In this case, they would only pay £132,000. Th=
is calculation is based on the insured amount being two-thirds of the build=
ing's actual value, meaning the insurer will pay two-thirds of the insured =
amount.</div>
<br>
</div>
</div>
<div>Therefore, it is critical to ensure that your cover limits are a true =
reflection of the current total rebuild or replacement value, otherwise you=
r claim may not be paid in full or even at all! We cannot overstate the imp=
ortance of regularly reviewing your sums insured and ensuring accuracy, eve=
n if annual indexation is applied to your policy: and if you are in any dou=
bt of being under-insured, then you need to contact professional valuers fo=
r guidance and specific advice.</div>
<br>
<div>There are a number of various websites and tools available to help you=
assess these values accurately. Please remember that you are responsible f=
or the accuracy of pre-filled forms when using rebuild calculator websites =
such as <a href=3D"https://bateman-group.briefyourmarket.com/Goto/659277-98=
702-1MC82M" title=3D"">https://calculator.bcis.co.uk.</a> We would alw=
ays recommend that you carefully consider the output from such websites; an=
d if you are in any doubt, have them rechecked professionally.</div>
</div></td></tr></tbody></table></td></tr></table></td></tr></table></th></=
tr></tbody></table></td></tr></table></td></tr></table></td></tr><tr><td><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0p=
x 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D=
"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D"paddin=
g: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=3D"100=
%" id=3D"bym-segment-new38" bym-type=3D"Layout" bym-size=3D"600,0" bym-meta=
=3D"{"columnWidths":[600],"readonly":false}" bym-change=
-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-a=
lign: top;width: 100%;font-weight: normal;" class=3D"bym-email-layout-respo=
nsiveColumn bym-email-layout-column" align=3D"left" width=3D"600"><table al=
ign=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%=
" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 10px;"><table a=
lign=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100=
%" class=3D"bym-email-paddingTable"><tr><td style=3D"padding: 0px;border-wi=
dth: 0px;border-style: none;border-color: rgb(128, 128, 128);"><table cells=
pacing=3D"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS&quo=
t;, "Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb(=
49, 49, 49);min-width: 60px;font-weight: 400;display: table;" bym-type=3D"T=
extBlock" bym-meta=3D"{ "toolbarType" : "Full" }" id=3D=
"bym-segment-new39" bym-size=3D"603,39" bym-change-number=3D"2" width=3D"10=
0%"><tbody><tr><td><div style=3D"text-align: center;">_____________________=
_________________</div></td></tr></tbody></table></td></tr></table></td></t=
r></table></th></tr></tbody></table></td></tr></table></td></tr></table></t=
d></tr><tr><td><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" bo=
rder=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"=
padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" cellspac=
ing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr>=
<td style=3D"padding: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"" width=3D"100%" id=3D"bym-segment-new32" bym-type=3D"Layout" bym-size=
=3D"600,40" bym-meta=3D"{"columnWidths":[600],"readonly"=
;:false}" bym-change-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th=
style=3D"vertical-align: top;width: 100%;font-weight: normal;" class=3D"by=
m-email-layout-responsiveColumn bym-email-layout-column" align=3D"left" wid=
th=3D"600"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=
=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padd=
ing: 10px 50px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td bgcolo=
r=3D"rgb(241, 105, 163)" style=3D"padding: 10px;background: rgb(241, 105, 1=
63);border-width: 0px;border-style: none;border-color: rgb(128, 128, 128);"=
><table cellspacing=3D"0" cellpadding=3D"0" style=3D"font-family: "Tre=
buchet MS", "Lucida Sans", Tahoma, sans-serif;font-size: 16p=
x;color: rgb(49, 49, 49);min-width: 60px;font-weight: 400;display: table;" =
bym-type=3D"TextBlock" bym-meta=3D"{ "toolbarType" : "Full&q=
uot; }" id=3D"bym-segment-new33" bym-size=3D"600,66" bym-change-number=3D"6=
" width=3D"100%"><tbody><tr><td><div style=3D"text-align: center;"><span st=
yle=3D"font-size: 22px; font-weight: bold; color: #ffffff;"><a href=3D"http=
s://bateman-group.briefyourmarket.com/Goto/659277-98703-1NFMEG" style=3D"te=
xt-decoration: none; color: #ffffff;" title=3D"">Our insurance</a></span></=
div></td></tr></tbody></table></td></tr></table></td></tr></table></th></tr=
></tbody></table></td></tr></table></td></tr></table></td></tr><tr><td><tab=
le align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0p=
x 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D=
"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D"paddin=
g: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=3D"100=
%" id=3D"bym-segment-new17" bym-type=3D"Layout" bym-size=3D"600,80" bym-met=
a=3D"{"columnWidths":[600],"readonly":false}" bym-chang=
e-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-=
align: top;width: 100%;font-weight: normal;" class=3D"bym-email-layout-resp=
onsiveColumn bym-email-layout-column" align=3D"left" width=3D"600"><table a=
lign=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100=
%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 10px;"><table =
align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"10=
0%" class=3D"bym-email-paddingTable"><tr><td style=3D"padding: 20px;border-=
width: 0px;border-style: none;border-color: rgb(128, 128, 128);"><table cel=
lspacing=3D"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS&q=
uot;, "Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rg=
b(49, 49, 49);min-width: 60px;font-weight: 400;display: table;" bym-type=3D=
"TextBlock" bym-meta=3D"{ "toolbarType" : "Full" }" id=3D=
"bym-segment-new20" bym-size=3D"600,87" bym-change-number=3D"10" width=3D"1=
00%"><tbody><tr><td><div style=3D"text-align: center;"><span style=3D"text-=
decoration: underline; font-size: 23px;"><span style=3D"font-weight: bold;"=
>Some useful tips in preventing under-insurance:</span></span></div></td></=
tr></tbody></table></td></tr></table></td></tr></table></th></tr></tbody></=
table></td></tr></table></td></tr></table></td></tr><tr><td><table align=3D=
"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" clas=
s=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;"><ta=
ble align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-paddingTable"><tr><td bgcolor=3D"rgb(66, 97, 166)=
" style=3D"padding: 0px;background: rgb(66, 97, 166);border-width: 0px;bord=
er-style: none;border-color: rgb(128, 128, 128);"><table cellspacing=3D"0" =
cellpadding=3D"0" style=3D"color: rgb(49, 49, 49);font-size: 16px;font-fami=
ly: "Trebuchet MS", "Lucida Sans", Tahoma, sans-serif;f=
ont-weight: 400;height: 534px;display: table;" width=3D"100%" id=3D"bym-seg=
ment-new13" bym-type=3D"Layout" bym-size=3D"600,534" bym-meta=3D"{"col=
umnWidths":[600],"readonly":false}" bym-change-number=3D"4" =
class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-align: top;widt=
h: 100%;font-weight: normal;" class=3D"bym-email-layout-responsiveColumn by=
m-email-layout-column" align=3D"left" width=3D"600"><table align=3D"left" c=
ellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym=
-email-marginTable"><tr><td style=3D"padding: 10px;"><table align=3D"left" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"by=
m-email-paddingTable"><tr><td style=3D"padding: 10px;border-width: 0px;bord=
er-style: none;border-color: rgb(128, 128, 128);"><table cellspacing=3D"0" =
cellpadding=3D"0" style=3D"font-family: "Trebuchet MS", "Luc=
ida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 49);m=
in-width: 60px;font-weight: 400;display: table;" bym-type=3D"TextBlock" bym=
-meta=3D"{ "toolbarType" : "Full" }" id=3D"bym-segment-=
new1" bym-size=3D"600,508" bym-change-number=3D"6" width=3D"100%"><tbody><t=
r><td><div>
<div><span style=3D"color: #ffffff;"><span style=3D"font-weight: bold;">1) =
Check your limits!</span> - Should you have a claim, your insurance policy =
schedule will advise you of the amount(s) you can claim up to. Please regul=
arly review that these limits are adequate so that in the event of a total =
loss your claim is paid in full.</span></div>
<br>
<div><span style=3D"color: #ffffff;"><span style=3D"font-weight: bold;">2) =
Keep your policy up to date!</span> - If you have made any large purchases =
(over £1500) during your current insurance period your insurer may ne=
ed to know. Keep your policy up to date to prevent underinsurance.</span></=
div>
<br>
<div><span style=3D"color: #ffffff;"><span style=3D"font-weight: bold;">3) =
We want to know about your buildings too!</span> - If you are planning any =
renovation or structural works your insurers will want to hear about it. If=
you are making any big changes this could impact the value for the rebuild=
ing of the property. Keep your insurers up to date with the ongoing works a=
nd/ or changes in value to ensure your policy remains adequate.</span></div=
>
<br>
<div><span style=3D"color: #ffffff;"><span style=3D"font-weight: bold;">4) =
Always check & review sums insured at renewal!</span> – although many=
insurers offer indexation every year, this may still not keep up with incr=
eased values and changes/additions that you have made during the year &ndas=
h; so don’t rely on the figures always being adequate, take the time =
to properly assess your needs.</span></div>
<br>
<div><span style=3D"color: #ffffff;"><span style=3D"font-weight: bold;">5)<=
/span> <span style=3D"font-weight: bold;">Ask for a Checklist</span> &ndash=
; we have designed a useful checklist to assist you in assessing the value =
of your contents on a room—by-room basis, and this has proved helpful=
to many clients in giving them a structure to make a start – if you =
would like one, just give us call or email a request, and we will send you =
one to get you started.</span></div>
</div></td></tr></tbody></table></td></tr></table></td></tr></table></th></=
tr></tbody></table></td></tr></table></td></tr></table></td></tr><tr><td><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0p=
x 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D=
"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D"paddin=
g: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=3D"100=
%" id=3D"bym-segment-new4" bym-type=3D"Layout" bym-size=3D"600,40" bym-meta=
=3D"{"columnWidths":[600],"readonly":false}" bym-change=
-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-a=
lign: top;width: 100%;font-weight: normal;" class=3D"bym-email-layout-respo=
nsiveColumn bym-email-layout-column" align=3D"left" width=3D"600"><table al=
ign=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%=
" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 10px;"><table a=
lign=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100=
%" class=3D"bym-email-paddingTable"><tr><td style=3D"padding: 10px;border-w=
idth: 0px;border-style: none;border-color: rgb(128, 128, 128);"><table cell=
spacing=3D"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS&qu=
ot;, "Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb=
(49, 49, 49);min-width: 60px;font-weight: 400;display: table;" bym-type=3D"=
TextBlock" bym-meta=3D"{ "toolbarType" : "Full" }" id=3D=
"bym-segment-new5" bym-size=3D"600,325" bym-change-number=3D"7" width=3D"10=
0%"><tbody><tr><td><div>
<div>Please note that the same principles of under-insurance – and th=
e consequences – can affect all insurance policies…. therefore=
, whether you are insuring your home, your business or your rental property=
– it is imperative to ensure that the values you advise are accurate=
and adequate, otherwise the consequences could be very disappointing&helli=
p;.</div>
<br>
<div>We are obliged to remind you that Bateman Group are not qualified or p=
rofessional valuers and do not provide this service – and therefore i=
t is not our responsibility to check or advise if values are adequate.</div=
>
<br>
<div>We are always here to help, guide and assist - and if you have any con=
cerns regarding your existing cover, then please do not hesitate to contact=
us on <span style=3D"font-weight: bold;">01926 4095113</span> to discuss y=
our requirements in more detail – it’s always better to prevent=
a problem beforehand than it is to try to deal with it after the event!</d=
iv>
</div></td></tr></tbody></table></td></tr></table></td></tr></table></th></=
tr></tbody></table></td></tr></table></td></tr></table></td></tr><tr><td><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0p=
x 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D=
"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D"paddin=
g: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=3D"100=
%" id=3D"bym-segment-new35" bym-type=3D"Layout" bym-size=3D"600,40" bym-met=
a=3D"{"columnWidths":[600],"readonly":false}" bym-chang=
e-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-=
align: top;width: 100%;font-weight: normal;" class=3D"bym-email-layout-resp=
onsiveColumn bym-email-layout-column" align=3D"left" width=3D"600"><table a=
lign=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100=
%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 10px 50px;"><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-paddingTable"><tr><td bgcolor=3D"rgb(241, 105, 16=
3)" style=3D"padding: 10px;background: rgb(241, 105, 163);border-width: 0px=
;border-style: none;border-color: rgb(128, 128, 128);"><table cellspacing=3D=
"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS", "=
;Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 4=
9);min-width: 60px;font-weight: 400;display: table;" bym-type=3D"TextBlock"=
bym-meta=3D"{ "toolbarType" : "Full" }" id=3D"bym-segm=
ent-new36" bym-size=3D"600,66" bym-change-number=3D"4" width=3D"100%"><tbod=
y><tr><td><div style=3D"text-align: center;"><span style=3D"font-size: 22px=
; font-weight: bold; color: #ffffff;"><a href=3D"https://bateman-group.brie=
fyourmarket.com/Goto/659277-98703-1NFMEG" style=3D"text-decoration: none; c=
olor: #ffffff;" title=3D"">Visit website</a></span></div></td></tr></tbody>=
</table></td></tr></table></td></tr></table></th></tr></tbody></table></td>=
</tr></table></td></tr></table></td></tr><tr><td><table align=3D"left" cell=
padding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-em=
ail-marginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D=
"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" clas=
s=3D"bym-email-paddingTable"><tr><td style=3D"padding: 0px;"><table cellspa=
cing=3D"0" cellpadding=3D"0" style=3D"" width=3D"100%" id=3D"bym-segment-ne=
w22" bym-type=3D"Layout" bym-size=3D"600,0" bym-meta=3D"{"columnWidths=
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bym-layout-style"><tbody><tr><th style=3D"vertical-align: top;width: 100%;f=
ont-weight: normal;" class=3D"bym-email-layout-responsiveColumn bym-email-l=
ayout-column" align=3D"left" width=3D"600"><img bym-type=3D"ImageBlock" src=
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1,"cropBox":{"left":0,"top":0,"width&quo=
t;:620,"height":15},"readonly":false,"originalSize=
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t;:true}" id=3D"bym-segment-new41" style=3D"display: block;" bym-size=3D"62=
0,15" width=3D"600" width=3D"600" width=3D"600" class=3D"bym-email-layout-r=
esponsiveImage" width=3D"600"></th></tr></tbody></table></td></tr></table><=
/td></tr></table></td></tr></table></div>
</td>
</tr>
</table> =09
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John Bateman Insurance Consultants Limited, 53 Smit=
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, Reg No: 1505363
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