The changes include:

• An increase in the small claims limit from £1,000 to £5,000

• Fixed tariffs for damages

• The introduction of a self-service claims portal.

What this means is Insurers will no longer have to pay the legal costs for personal injury claims that have a value of under £5,000.

Instead injured parties will be expected to handle their own ‘small claim/s’ through an online portal or by paying for their own legal representation.

As 95% of personal injury cases will fall within the new small claims limit, this could cause you a major headache.

To Combat this we can arrange a fully underwritten Motor Legal Expenses Insurance (MLEI) Policy which offers

full protection should you be involved in an accident and need to make a personal injury claim.

It covers all legal fees with no upper or lower limit, meaning that you, the claimant will have exactly the same access to professional

legal advice and support as you did before.

As the MLEI Policy includes legal fees, you will receive 100% of your compensation as well as having the right resources to :-

KINDERTONS HAVE

• Fight to secure the best outcome on liability
• Arrange rehabilitation to start recovery process
• Instruct a medical expert to confirm injuries sustained
• Value compensation against medical evidence
• Claim for damaged personal belongings
• Recover any losses incurred including loss of earning
• Recover maximum compensation from the at fault party
• Translate legal jargon
• Provide an option for a second legal opinion
• Provide a second opinion re advice from underwriters

Please contact us to arrange this cover for you.

A lovely tribute to those loved ones lost to Covid 19.

Credit to the partnership work between Northwich Town Council, CWAC, Northwich BID, Northwich Rotarians & the Canal and River Trust.

Don’t worry help is at hand. CRS Consultants Ltd are a Local Independent Insurance Broker based in the town centre of Northwich. We have been in business since 1977 supporting the local area and the local businesses. As you may be aware we were at the forefront of Storm Christoph and like other companies we have had flood cover excluded under our main insurance policy and have had to cross our fingers that flood defences like above will work. As you have seen this week these defences do not always work as the water can come from other directions, but there is hope. There is a way to get flood Insurance as a separate cover – Whether you can’t get cover, have a large excess or just want a top-up to your existing policy – there is another way. The benefits are simple:-

Fast

Insurance that pays out the full value of the settlement within days of confirming a flood. So you can recover quicker. No Loss Adjusters/Assessors.

Easy

Claims don’t come with long paperwork or lots of haggling. The Flood is confirmed and pay out the agreed amount. A simple one page settlement document.

Flexible

Control your trigger depths and payout values or even make your premium cheaper by raising stock or installing flood defences.

To find out more please contact Ian or Matt at CRS Consultants Ltd on 01606 48521 and find out how you can sleep at night knowing a storm is on the way.

If you are affected by the current weather situation and need to make a claim please email ian@crs-consultants.com or if you need to make a claim call ASPRAY on 0800 0776705 – 24 hours a day quoting CRS CONSULTANTS.