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From: "Bateman Group" <enquiries@briefyourmarketmail.com>
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Subject: =?utf-8?Q?Are_you_underinsured=3F?=
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Are you underinsured=3F


Why being underinsured matters=2E=2E=2E=C2=A0=C2=A0=C2=A0=C2=A0
=0A
=0AHi=C2=A0=2C=C2=A0=C2=A0=C2=A0=C2=A0
=0A
=0AWhat is underinsurance=3F
=0A
=0AThis is without doubt the biggest single issue that the insurance indu=
stry has to deal with =E2=80=93 and it is important for you to understand=
 the implications in protecting your home=2C business and any other asset=
s you may have=2E 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 yo=
u!
=0A
=0AUnder-insurance means your policy cover limits do not provide you with=
 adequate cover in respect to a total loss and=2For a claim=2E This is ap=
plicable to both your building and the contents within it as the insuranc=
e company may apply an =E2=80=9Caverage clause=E2=80=9D and reduce your p=
ayment in direct proportion =E2=80=93 so if=2C you were 50% under-insured=
=2C then they will only pay 50% of the claim=2E
=0A
=0ATherefore=2C it is critical to ensure that your cover limits are a tru=
e reflection of the current total rebuild or replacement value=2C otherwi=
se your claim may not be paid in full or even at all! We cannot overstate=
 the importance of regularly reviewing your sums insured and ensuring acc=
uracy=2C even if annual indexation is applied to your policy=3A and if yo=
u are in any doubt of being under-insured=2C then you need to contact pro=
fessional valuers for guidance and specific advice=2E
=0A
=0AThere are a number of various websites and tools available to help you=
 assess these values accurately=2E Please remember that you are responsib=
le for the accuracy of pre-filled forms when using rebuild calculator web=
sites such as https=3A=2F=2Fcalculator=2Ebcis=2Eco=2Euk=2E =28https=3A=2F=
=2Fbateman-group=2Ebriefyourmarket=2Ecom=2FGoto=2F593164-72233-IK4STI=29=C2=
=A0We would always recommend that you carefully consider the output from =
such websites=3B and if you are in any doubt=2C have them rechecked profe=
ssionally=2E
=0A=C2=A0=C2=A0=C2=A0=C2=A0
=0A
=0A______________________________________=C2=A0=C2=A0=C2=A0=C2=A0
=0A
=0AOur insurance =28https=3A=2F=2Fbateman-group=2Ebriefyourmarket=2Ecom=2F=
Goto=2F593164-72234-OL089Q=29=C2=A0=C2=A0=C2=A0=C2=A0
=0A
=0ASome useful tips in preventing under-insurance=3A=C2=A0=C2=A0=C2=A0=C2=
=A0
=0A
=0A1=29 Check your limits! - Should you have a claim=2C your insurance po=
licy schedule will advise you of the amount=28s=29 you can claim up to=2E=
 Please regularly review that these limits are adequate so that in the ev=
ent of a total loss your claim is paid in full=2E
=0A
=0A2=29 Keep your policy up to date! - If you have made any large purchas=
es =28over =C2=A31500=29 during your current insurance period your insure=
r may need to know=2E Keep your policy up to date to prevent underinsuran=
ce=2E
=0A
=0A3=29 We want to know about your buildings too! - If you are planning a=
ny renovation or structural works your insurers will want to hear about i=
t=2E If you are making any big changes this could impact the value for th=
e rebuilding of the property=2E Keep your insurers up to date with the on=
going works and=2F or changes in value to ensure your policy remains adeq=
uate=2E
=0A
=0A4=29 Always check & review sums insured at renewal! =E2=80=93 although=
 many insurers offer indexation every year=2C this may still not keep up =
with increased values and changes=2Fadditions that you have made during t=
he year =E2=80=93 so don=E2=80=99t rely on the figures always being adequ=
ate=2C take the time to properly assess your needs=2E
=0A
=0A5=29 Ask for a Checklist =E2=80=93 we have designed a useful checklist=
 to assist you in assessing the value of your contents on a room=E2=80=94=
by-room basis=2C and this has proved helpful to many clients in giving th=
em a structure to make a start =E2=80=93 if you would like one=2C just gi=
ve us call or email a request=2C and we will send you one to get you star=
ted=2E
=0A=C2=A0=C2=A0=C2=A0=C2=A0
=0A
=0APlease note that the same principles of under-insurance =E2=80=93 and =
the consequences =E2=80=93 can affect all insurance policies=E2=80=A6=2E =
therefore=2C whether you are insuring your home=2C your business or your =
rental property =E2=80=93 it is imperative to ensure that the values you =
advise are accurate and adequate=2C otherwise the consequences could be v=
ery disappointing=E2=80=A6=2E
=0A
=0AWe are obliged to remind you that Bateman Group are not qualified or p=
rofessional valuers and do not provide this service =E2=80=93 and therefo=
re it is not our responsibility to check or advise if values are adequate=
=2E
=0A
=0AWe are always here to help=2C guide and assist - and if you have any c=
oncerns regarding your existing cover=2C then please do not hesitate to c=
ontact us on 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!
=0A=C2=A0=C2=A0=C2=A0=C2=A0
=0A
=0AVisit website =28https=3A=2F=2Fbateman-group=2Ebriefyourmarket=2Ecom=2F=
Goto=2F593164-72234-OL089Q=29=C2=A0=C2=A0=C2=A0=C2=A0




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Bateman Group
53 Smith Street=2C Warwick CV34 4HU
-------------------------------------------------------------------------=
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email-layout-column=22 align=3D=22left=22 width=3D=22600=22=3E=3Ctable al=
ign=3D=22left=22 cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=22=
0=22 width=3D=22100%=22 class=3D=22bym-email-marginTable=22=3E=3Ctr=3E=3C=
td style=3D=22padding=3A 10px=3B=22=3E=3Ctable align=3D=22left=22 cellpad=
ding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22 =
class=3D=22bym-email-paddingTable=22=3E=3Ctr=3E=3Ctd style=3D=22padding=3A=
 10px=3Bborder-width=3A 0px=3Bborder-style=3A none=3Bborder-color=3A rgb=28=
128=2C 128=2C 128=29=3B=22=3E=3Ctable cellspacing=3D=220=22 cellpadding=3D=
=220=22 style=3D=22font-family=3A =22Trebuchet MS=22=2C =22Lucida Sans=22=
=2C Tahoma=2C sans-serif=3Bfont-size=3A 16px=3Bcolor=3A rgb=2849=2C 49=2C=
 49=29=3Bmin-width=3A 60px=3Bfont-weight=3A 400=3Bdisplay=3A table=3B=22 =
bym-type=3D=22TextBlock=22 bym-meta=3D=22{ &quot=3BtoolbarType&quot=3B =3A=
 &quot=3BFull&quot=3B }=22 id=3D=22bym-segment-new7=22 bym-size=3D=22600=2C=
576=22 bym-change-number=3D=2213=22 width=3D=22100%=22=3E=3Ctbody=3E=3Ctr=
=3E=3Ctd=3E=3Cdiv=3E=3Cspan style=3D=22font-size=3A 20px=3B font-weight=3A=
 bold=3B color=3A #313131=3B=22=3EWhat is underinsurance=3F=3C=2Fspan=3E=3C=
=2Fdiv=3E=0A=3Cbr=3E=0A=3Cdiv=3E=0A=3Cdiv=3EThis is without doubt the big=
gest single issue that the insurance industry has to deal with &ndash=3B =
and it is important for you to understand the implications in protecting =
your home=2C business and any other assets you may have=2E Here we try to=
 help explain the main issues you need to understand and assist you in ma=
king sure it doesn&rsquo=3Bt happen to you!=3C=2Fdiv=3E=0A=3Cbr=3E=0A=3Cd=
iv=3EUnder-insurance means your policy cover limits do not provide you wi=
th adequate cover in respect to a total loss and=2For a claim=2E This is =
applicable to both your building and the contents within it as the insura=
nce company may apply an &ldquo=3Baverage clause&rdquo=3B and reduce your=
 payment in direct proportion &ndash=3B so if=2C you were 50% under-insur=
ed=2C then they will only pay 50% of the claim=2E=3C=2Fdiv=3E=0A=3Cbr=3E=0A=
=3Cdiv=3ETherefore=2C it is critical to ensure that your cover limits are=
 a true reflection of the current total rebuild or replacement value=2C o=
therwise your claim may not be paid in full or even at all! We cannot ove=
rstate the importance of regularly reviewing your sums insured and ensuri=
ng accuracy=2C even if annual indexation is applied to your policy=3A and=
 if you are in any doubt of being under-insured=2C then you need to conta=
ct professional valuers for guidance and specific advice=2E=3C=2Fdiv=3E=0A=
=3Cbr=3E=0A=3Cdiv=3EThere are a number of various websites and tools avai=
lable to help you assess these values accurately=2E Please remember that =
you are responsible for the accuracy of pre-filled forms when using rebui=
ld calculator websites such as =3Ca href=3D=22https=3A=2F=2Fbateman-group=
=2Ebriefyourmarket=2Ecom=2FGoto=2F593164-72225-UO4R2P=22 title=3D=22=22=3E=
https=3A=2F=2Fcalculator=2Ebcis=2Eco=2Euk=2E=3C=2Fa=3E&nbsp=3BWe would al=
ways recommend that you carefully consider the output from such websites=3B=
 and if you are in any doubt=2C have them rechecked professionally=2E=3C=2F=
div=3E=0A=3C=2Fdiv=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftbody=3E=3C=2Ftable=3E=3C=
=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2F=
th=3E=3C=2Ftr=3E=3C=2Ftbody=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ft=
able=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3Ctr=3E=
=3Ctd=3E=3Ctable align=3D=22left=22 cellpadding=3D=220=22 cellspacing=3D=22=
0=22 border=3D=220=22 width=3D=22100%=22 class=3D=22bym-email-marginTable=
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llpadding=3D=220=22 style=3D=22=22 width=3D=22100%=22 id=3D=22bym-segment=
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lse}=22 bym-change-number=3D=222=22 class=3D=22bym-layout-style=22=3E=3Ct=
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padding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22=
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128=2C 128=2C 128=29=3B=22=3E=3Ctable cellspacing=3D=220=22 cellpadding=3D=
=220=22 style=3D=22font-family=3A =22Trebuchet MS=22=2C =22Lucida Sans=22=
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r=3E=3Ctd=3E=3Cdiv style=3D=22text-align=3A center=3B=22=3E______________=
________________________=3C=2Fdiv=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftbody=3E=3C=
=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2F=
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ly&quot=3B=3Afalse}=22 bym-change-number=3D=222=22 class=3D=22bym-layout-=
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ackground=3A rgb=28241=2C 105=2C 163=29=3Bborder-width=3A 0px=3Bborder-st=
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t=3A 400=3Bdisplay=3A table=3B=22 bym-type=3D=22TextBlock=22 bym-meta=3D=22=
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oup=2Ebriefyourmarket=2Ecom=2FGoto=2F593164-72226-ZGJKVK=22 style=3D=22te=
xt-decoration=3A none=3B color=3A #ffffff=3B=22 title=3D=22=22=3EOur insu=
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=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=
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splay=3A table=3B=22 bym-type=3D=22TextBlock=22 bym-meta=3D=22{ &quot=3Bt=
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23px=3B=22=3E=3Cspan style=3D=22font-weight=3A bold=3B=22=3ESome useful t=
ips in preventing under-insurance=3A=3C=2Fspan=3E=3C=2Fspan=3E=3C=2Fdiv=3E=
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umber=3D=224=22 width=3D=22100%=22=3E=3Ctbody=3E=3Ctr=3E=3Ctd=3E=3Cdiv=3E=
=0A=3Cdiv=3E=3Cspan style=3D=22color=3A #ffffff=3B=22=3E=3Cspan style=3D=22=
font-weight=3A bold=3B=22=3E1=29 Check your limits!=3C=2Fspan=3E - Should=
 you have a claim=2C your insurance policy schedule will advise you of th=
e amount=28s=29 you can claim up to=2E Please regularly review that these=
 limits are adequate so that in the event of a total loss your claim is p=
aid in full=2E=3C=2Fspan=3E=3C=2Fdiv=3E=0A=3Cbr=3E=0A=3Cdiv=3E=3Cspan sty=
le=3D=22color=3A #ffffff=3B=22=3E=3Cspan style=3D=22font-weight=3A bold=3B=
=22=3E2=29 Keep your policy up to date!=3C=2Fspan=3E - If you have made a=
ny large purchases =28over &pound=3B1500=29 during your current insurance=
 period your insurer may need to know=2E Keep your policy up to date to p=
revent underinsurance=2E=3C=2Fspan=3E=3C=2Fdiv=3E=0A=3Cbr=3E=0A=3Cdiv=3E=3C=
span style=3D=22color=3A #ffffff=3B=22=3E=3Cspan style=3D=22font-weight=3A=
 bold=3B=22=3E3=29 We want to know about your buildings too!=3C=2Fspan=3E=
 - If you are planning any renovation or structural works your insurers w=
ill want to hear about it=2E If you are making any big changes this could=
 impact the value for the rebuilding of the property=2E Keep your insurer=
s up to date with the ongoing works and=2F or changes in value to ensure =
your policy remains adequate=2E=3C=2Fspan=3E=3C=2Fdiv=3E=0A=3Cbr=3E=0A=3C=
div=3E=3Cspan style=3D=22color=3A #ffffff=3B=22=3E=3Cspan style=3D=22font=
-weight=3A bold=3B=22=3E4=29 Always check & review sums insured at renewa=
l!=3C=2Fspan=3E &ndash=3B although many insurers offer indexation every y=
ear=2C this may still not keep up with increased values and changes=2Fadd=
itions that you have made during the year &ndash=3B so don&rsquo=3Bt rely=
 on the figures always being adequate=2C take the time to properly assess=
 your needs=2E=3C=2Fspan=3E=3C=2Fdiv=3E=0A=3Cbr=3E=0A=3Cdiv=3E=3Cspan sty=
le=3D=22color=3A #ffffff=3B=22=3E=3Cspan style=3D=22font-weight=3A bold=3B=
=22=3E5=29=3C=2Fspan=3E =3Cspan style=3D=22font-weight=3A bold=3B=22=3EAs=
k for a Checklist=3C=2Fspan=3E &ndash=3B we have designed a useful checkl=
ist to assist you in assessing the value of your contents on a room&mdash=
=3Bby-room basis=2C and this has proved helpful to many clients in giving=
 them a structure to make a start &ndash=3B if you would like one=2C just=
 give us call or email a request=2C and we will send you one to get you s=
tarted=2E=3C=2Fspan=3E=3C=2Fdiv=3E=0A=3C=2Fdiv=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=
=2Ftbody=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=
=2Ftr=3E=3C=2Ftable=3E=3C=2Fth=3E=3C=2Ftr=3E=3C=2Ftbody=3E=3C=2Ftable=3E=3C=
=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2F=
td=3E=3C=2Ftr=3E=3Ctr=3E=3Ctd=3E=3Ctable align=3D=22left=22 cellpadding=3D=
=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22 class=3D=
=22bym-email-marginTable=22=3E=3Ctr=3E=3Ctd style=3D=22padding=3A 0px 0px=
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acing=3D=220=22 border=3D=220=22 width=3D=22100%=22 class=3D=22bym-email-=
paddingTable=22=3E=3Ctr=3E=3Ctd style=3D=22padding=3A 0px=3B=22=3E=3Ctabl=
e cellspacing=3D=220=22 cellpadding=3D=220=22 style=3D=22=22 width=3D=221=
00%=22 id=3D=22bym-segment-new4=22 bym-type=3D=22Layout=22 bym-size=3D=22=
600=2C20=22 bym-meta=3D=22{&quot=3BcolumnWidths&quot=3B=3A=5B600=5D=2C&qu=
ot=3Breadonly&quot=3B=3Afalse}=22 bym-change-number=3D=222=22 class=3D=22=
bym-layout-style=22=3E=3Ctbody=3E=3Ctr=3E=3Cth style=3D=22vertical-align=3A=
 top=3Bwidth=3A 100%=3Bfont-weight=3A normal=3B=22 class=3D=22bym-email-l=
ayout-responsiveColumn bym-email-layout-column=22 align=3D=22left=22 widt=
h=3D=22600=22=3E=3Ctable align=3D=22left=22 cellpadding=3D=220=22 cellspa=
cing=3D=220=22 border=3D=220=22 width=3D=22100%=22 class=3D=22bym-email-m=
arginTable=22=3E=3Ctr=3E=3Ctd style=3D=22padding=3A 10px=3B=22=3E=3Ctable=
 align=3D=22left=22 cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=
=220=22 width=3D=22100%=22 class=3D=22bym-email-paddingTable=22=3E=3Ctr=3E=
=3Ctd style=3D=22padding=3A 10px=3Bborder-width=3A 0px=3Bborder-style=3A =
none=3Bborder-color=3A rgb=28128=2C 128=2C 128=29=3B=22=3E=3Ctable cellsp=
acing=3D=220=22 cellpadding=3D=220=22 style=3D=22font-family=3A =22Trebuc=
het MS=22=2C =22Lucida Sans=22=2C Tahoma=2C sans-serif=3Bfont-size=3A 16p=
x=3Bcolor=3A rgb=2849=2C 49=2C 49=29=3Bmin-width=3A 60px=3Bfont-weight=3A=
 400=3Bdisplay=3A table=3B=22 bym-type=3D=22TextBlock=22 bym-meta=3D=22{ =
&quot=3BtoolbarType&quot=3B =3A &quot=3BFull&quot=3B }=22 id=3D=22bym-seg=
ment-new5=22 bym-size=3D=22600=2C325=22 bym-change-number=3D=227=22 width=
=3D=22100%=22=3E=3Ctbody=3E=3Ctr=3E=3Ctd=3E=3Cdiv=3E=0A=3Cdiv=3EPlease no=
te that the same principles of under-insurance &ndash=3B and the conseque=
nces &ndash=3B can affect all insurance policies&hellip=3B=2E therefore=2C=
 whether you are insuring your home=2C your business or your rental prope=
rty &ndash=3B it is imperative to ensure that the values you advise are a=
ccurate and adequate=2C otherwise the consequences could be very disappoi=
nting&hellip=3B=2E=3C=2Fdiv=3E=0A=3Cbr=3E=0A=3Cdiv=3EWe are obliged to re=
mind you that Bateman Group are not qualified or professional valuers and=
 do not provide this service &ndash=3B and therefore it is not our respon=
sibility to check or advise if values are adequate=2E=3C=2Fdiv=3E=0A=3Cbr=
=3E=0A=3Cdiv=3EWe are always here to help=2C guide and assist - and if yo=
u have any concerns regarding your existing cover=2C then please do not h=
esitate to contact us on =3Cspan style=3D=22font-weight=3A bold=3B=22=3E0=
1926 4095113=3C=2Fspan=3E to discuss your requirements in more detail &nd=
ash=3B it&rsquo=3Bs always better to prevent a problem beforehand than it=
 is to try to deal with it after the event!=3C=2Fdiv=3E=0A=3C=2Fdiv=3E=3C=
=2Ftd=3E=3C=2Ftr=3E=3C=2Ftbody=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2F=
table=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Fth=3E=3C=2Ftr=3E=3C=2Ft=
body=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2F=
tr=3E=3C=2Ftable=3E=3C=2Ftd=3E=3C=2Ftr=3E=3Ctr=3E=3Ctd=3E=3Ctable align=3D=
=22left=22 cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22 w=
idth=3D=22100%=22 class=3D=22bym-email-marginTable=22=3E=3Ctr=3E=3Ctd sty=
le=3D=22padding=3A 0px 0px 0px 0px=3B=22=3E=3Ctable align=3D=22left=22 ce=
llpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=22100=
%=22 class=3D=22bym-email-paddingTable=22=3E=3Ctr=3E=3Ctd style=3D=22padd=
ing=3A 0px=3B=22=3E=3Ctable cellspacing=3D=220=22 cellpadding=3D=220=22 s=
tyle=3D=22=22 width=3D=22100%=22 id=3D=22bym-segment-new35=22 bym-type=3D=
=22Layout=22 bym-size=3D=22600=2C20=22 bym-meta=3D=22{&quot=3BcolumnWidth=
s&quot=3B=3A=5B600=5D=2C&quot=3Breadonly&quot=3B=3Afalse}=22 bym-change-n=
umber=3D=222=22 class=3D=22bym-layout-style=22=3E=3Ctbody=3E=3Ctr=3E=3Cth=
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128=2C 128=2C 128=29=3B=22=3E=3Ctable cellspacing=3D=220=22 cellpadding=3D=
=220=22 style=3D=22font-family=3A =22Trebuchet MS=22=2C =22Lucida Sans=22=
=2C Tahoma=2C sans-serif=3Bfont-size=3A 16px=3Bcolor=3A rgb=2849=2C 49=2C=
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=22font-size=3A 22px=3B font-weight=3A bold=3B color=3A #ffffff=3B=22=3E=3C=
a href=3D=22https=3A=2F=2Fbateman-group=2Ebriefyourmarket=2Ecom=2FGoto=2F=
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