Author Archive

7 Strangest Places That People Work

Thursday, January 19th, 2012, by admin

For some people, what they do is a point of pride. For others it’s a closely guarded secret. But whatever you do, your job tends to define you. Whether you are a builder, doctor, lawyer, mechanic, astronaut, butler, or dictator, in this society you are your job. And while some jobs are lauded and some are laughed at, some are just plain strange…

7. Canine Semen Bank

You must please this dog for profit.

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The global banking system seems to be constantly on the brink of collapse. Any bank, no matter how prestigious or powerful, can be subject to financial ruin should the ‘fates of finance’ deem it so.  It makes a refreshing change to find a bank that has no problems keeping its accounts full.

The end product.

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The Canine Semen Bank of Columbia is the most famous animal sperm depositary in the world and owes its success to its specificity. No cat, kangaroo or cougar deposits are allowed. This bank is 100% devoted to man’s best friend only. The facility is staffed by 2 fully qualified veterinarians who are experts in the retrieval and storage of dog semen. It does beg the question: after a pooch has made a deposit, does it gain interest?

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6. Submarine Cleaners

You can see your face in that propeller.

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They say a great salesman can sell ice to an Eskimo. So it must have been an extraordinary salesman who convinced the navy that a ship that spends all its time under water requires cleaning.  But an essential part of submarine maintenance is ensuring the ship’s hull is barnacle and blemish free.

This ship could do with a buffing.

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Proper propeller polishing can increase a ship’s efficiency and produce an energy saving of between 10-20%. The cleaners themselves prefer to be referred to as ‘Ship Maintenance Engineers’, which is perfectly understandable as ‘cleaning’ a ship can involve welding, ultrasonic scanning and even photographing, all of which takes place beneath the ocean’s treacherous waves.

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5. Sausage Museum

Now in a cup!

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Working in any museum could be considered quite a strange job. On an average day you may be occupied with anything, from preserving a mummified corpse to taking a group of toddlers on a tour. Yet one of the strangest museums on the planet must be Germany’s ‘Currywurst Museum’.

The Currywurst hungers only for love.

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Situated in Berlin, this museum is dedicated solely to Germany’s favourite fast-food dish. Currywurst consists of hot pork sausage cut into slices and seasoned with ‘curry ketchup’, a mix of tomato paste, Worcestershire sauce and curry powder. Although relatively unknown outside its native Germany, it is estimated over 800 million servings of Currywurst are sold every year.

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4. Fortune Cookie Factory

Product of Donald Lau.

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With over 3 billion fortune cookies produced worldwide every year it’s not surprising to find they have Fortune Cookie Factories. Donald Lau, vice-president of Wonton Inc, is the largest producer of fortune cookies in the world. He also has one of the more unusual roles in the building, as it is he who is in charge of writing the fortunes.

Where fortunes are made!

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With over 4 million cookies produced in their Brooklyn factory daily, if each cookie required a unique fortune that would be a mammoth task. Luckily for Mr Lau that isn’t the case and instead he simply recycles fortunes he has previously written in his decades as a fortune cookie writer.

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3. Smell Laboratory

Smell science

 Smell science (Source)

Every day the average person breathes 23,040 times. And with every inhalation we open ourselves to the world of scent. Smell, the often overlooked sense, has the power to disgust and delight in equal measure. Most people manipulate the power of smell to some extent.

Not so mysterious for these scientists.

(Source)

From the perfume you wear to mask your natural body odor, to the smell of fresh bread pumped round large supermarkets, synthetic scents have to be produced somewhere. This is the job of the smell laboratory. And although olfactory experimentation is a well established and lucrative field, it must raise a few eyebrows when you tell people what you do.

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2. Corpse Farm

Some farmers grow grain, other farmers raise cattle, some even hire out their land so that drunken teenagers can sample their first drugs at unhygienic music festivals. And then there are those who run corpse farms. A corpse farm is better known as a forensic anthropology facility and is a place where cadavers are placed across the land in various states of decay to assist student scientists and doctors in their studies.

Some of the things you learn at the University of Tennessee.

(Source)

The first corpse farm was started by the University of Tennessee in 1981 and began with just one corpse. Today the farm has over 40 corpses at any time in a variety of scenarios and states of decay. This increase in the number of bodies used on the farm has allowed forensic scientists greater advancements in their field. But if you do own a corpse farm it’s probably best to not go bragging about how many bodies you have.

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1. Oyster Garden

The next generation of oyster gardeners.

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The delicacy we know as the oyster belongs to the family of molluscs, Ostreidae. These sub-tidal snacks can be eaten both cooked and raw and are rumored to be a natural aphrodisiac. But how do these tasty treats get from the ocean to your plate? Well, the sea can be an unsanitary place, so after being harvested from the sea, the oysters are taken to an ‘oyster garden’, where they are cleaned.

Hard at work in the oyster fields.

(Source)

In the ‘oyster garden’, the oysters are spread around a shallow barge or float. The floats are constructed to allow clean water to flow over the oysters removing any impurities that they may have picked up from the ocean. After being cleaned in the garden the oysters are then shipped to the shop, store or restaurant where the consumer can then purchase them, worry-free.

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That finished our round up of the strangest work places in the world, we’re by no means omnipotent (that privilege is reserved for the likes of Zeus and Odin), so if you or someone you know have a zanier workplace than the ones above please let us know.

Top Tips To Protect Your Home From Burglary This Christmas

Wednesday, December 14th, 2011, by admin

British homes are at an increased risk of burglary over Christmas time. Despite properties being filled with festive food and decorations, it doesn’t deter thieves from breaking in when the family are out at Christmas parties.

Brand new, expensive presents offer rich pickings for robbers and according to findings by More Than, British households spend an extra £11 billion Christmas goods in December.

The statistics reveal that Brits are 13% more likely to be burgled in the season than any other month in the year which means insurance claims will be rife. Forget Santa Christmas shimmying down the chimney; it is pesky intruders you need to contend with.

There are some practical tips homeowners can take to secure the home during the holiday and as specialists in burglary, Salmon Assessors urges households to make sure all the goods are safe from prying burglars’ eyes.

- Avoid a seasonal catastrophe by putting electronics and presents out of sight and not visible from any windows when not in use; and close the curtains when you go to bed.

- If you are leaving the home empty for a night to go to a Christmas party, or if you are going away for the festive period, invest in a timer lamp so it looks like someone is home.

- Make sure all windows and doors are closed and locked securely.

- If you do have a safe, lock all valuable items away like jewellery, mobile phones and cash.

- After you have unwrapped your presents don’t put the packaging out for recycling straight away. If a criminal can see a branded box sticking out of the bin they will know a new laptop or TV has just been bought and it is practically inviting them into your home.

Try to follow these guidelines and have a safe Merry Christmas!

But rest assured if someone does break into your home, our professional insurance claims loss adjusters will formulate and negotiate the claim as sensitively as possible. We will deal with all of the repairs that may be needed to the home and we will help you substantiate everything that has been stolen.

Avoid The Problems Of Getting Insurance Claims Paid Without The Help Of Loss Assessors

Wednesday, December 14th, 2011, by admin

There are many glitches that a Brit can come across when getting insurance claims paid and the biggest thing is not having the help of a loss assessor.

Loss adjusters may inform people of their independence and impartiality however they have been instructed by the insurers to act on their behalf. They are employed by the insurance company to act in their best financial interest, not the claimant, so without the assistance of a loss assessor you could be left standing out in the cold.

Claiming an insurance pay-out can be complicated and troublesome as it is without expert help so ease yourself of all the strain and time-constraints and contact a professional loss assessor right from the commencement of the claim.

Salmon Assessors operates 365 days a year, 24/7, so if you are worried that your building’s insurance claim isn’t going to be approved, if you have found that the insurance company has thrown your claim out, let the specialist loss assessors work for you.

The firm’s vast wealth of experience has enabled it to establish a respected and trusted name in the industry. Let them do all the hard work for you and carry out the huge amount of labour and effort that goes into pursuing a claim; meaning you can just sit back and wait for them to negotiate and successfully win your claim.

Salmon Assessors fight to ensure that you get every last penny that you deserve and they act for claims all over the United Kingdom and Northern Ireland. The experts achieve phenomenal results and they simply do not know the meaning of giving up. They are the company that other loss adjusters often turn to when they need advice; so contact the friendly team today on 020 8346 6060- they are only interested in protecting and helping you.

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Flooding In Scotland Causes Water Damage In Many Homes

Wednesday, December 14th, 2011, by admin

Recent heavy rain in Scotland caused the river banks to burst, resulting in roads being closed and train and bus services being cancelled.

The flood water brought parts of Scotland into chaos with some people being rescued from their cars and others being stuck in their homes because of the rising water. But forecasters are warning that the heavy rain could prompt more flooding.

If you have experienced water damage to your home or business property, you need to call Salmon Assessors immediately to start processing your flood insurance claims.

The west of Scotland, central belt and border areas suffered between 20mm and 47mm of rain fall in a 24 hour period. Tyndrum, in Stirlingshire, was the wettest place with 47mm of rain whilst Glasgow had 38mm. Although the skies have cleared, drivers are being cautioned to drive carefully because of high winds and the first few days after a flood are vital to making a successful water damage claim.

The Met Office has issued severe weather warnings for heavy rain in the Highlands, Strathclyde, Central, Tayside, Fife and the Lothian and Borders areas.

Salmon Assessors have dealt with thousands of claims over the past 25 years and no other firm is more qualified to help you through such a disaster.

So if your house has been affected by the Scotland floods get in touch today. The insurance company will send loss adjusters to visit you so that they can report back with their findings. But we also need to take notes of the initial findings in case the water damage claim is refused.

So call us now and we’ll send out our truly professional and thoughtful loss assessors to help you in your flood claim.

ABI Outlines Fraudulent Claims As One Of The Key Priorities For Car Insurance

Friday, November 25th, 2011, by admin
The Association of British Insurers (ABI) has revealed its priorities on car insurance and fraudulent claims are one of them.
The UK financial services trade association has outlined its five urgencies and young drivers’ safety coincides with tackling the rising costs of whiplash, compensation reform, fraud and uninsured driving.
Otto Thoresen, ABI’s Director General, said at the ABI Motor Conference: “As a nation of car users with some of the busiest roads in the world, insurers are committed to providing the best possible deal for motorists.
“One of the key ways to achieve this has to be improving the safety of our young drivers, who continue to make up a disproportionate number of road casualties. Five years ago we called for measures, such as a minimum learning period, to tackle this tragic waste of life, yet every day 18 young people die or are seriously injured on our roads.”
He also expressed the other significances for motor insurers and fake insurance claims. It is reported that on average every minute one person makes a whiplash claim.
Thoresen claims that Britain must seek better diagnosis of genuine claims and make it harder to make a fraudulent claim for neck injuries. He added: “The long overdue reforms to our dysfunctional compensation system will benefit genuine claimants, deter fraud and, crucially, reduce the excessive legal costs in paying out personal injury claims.”
ABI hope to fight against fraud with initiatives including a dedicated police insurance unit and an insurance fraud register.
Here at Salmon Assessors, we are best known for achieving phenomenal results where other loss adjusters and loss assessors fail. We fight your corner until we get you the highest possible settlement, so if your claim is genuine we will never give up.

The Association of British Insurers (ABI) has revealed its priorities on car insurance and fraudulent claims are one of them.

The UK financial services trade association has outlined its five urgencies and young drivers’ safety coincides with tackling the rising costs of whiplash, compensation reform, fraud and uninsured driving.

Otto Thoresen, ABI’s Director General, said at the ABI Motor Conference: “As a nation of car users with some of the busiest roads in the world, insurers are committed to providing the best possible deal for motorists.

“One of the key ways to achieve this has to be improving the safety of our young drivers, who continue to make up a disproportionate number of road casualties. Five years ago we called for measures, such as a minimum learning period, to tackle this tragic waste of life, yet every day 18 young people die or are seriously injured on our roads.”

He also expressed the other significances for motor insurers and fake insurance claims. It is reported that on average every minute one person makes a whiplash claim.

Thoresen claims that Britain must seek better diagnosis of genuine claims and make it harder to make a fraudulent claim for neck injuries. He added: “The long overdue reforms to our dysfunctional compensation system will benefit genuine claimants, deter fraud and, crucially, reduce the excessive legal costs in paying out personal injury claims.”

ABI hope to fight against fraud with initiatives including a dedicated police insurance unit and an insurance fraud register.

Here at Salmon Assessors, we are best known for achieving phenomenal results where other loss adjusters and loss assessors fail. We fight your corner until we get you the highest possible settlement, so if your claim is genuine we will never give up.

Fake Pet Insurance Payouts Soar To £2million

Wednesday, November 23rd, 2011, by admin

The number of people falsely claiming on their pet insurance policies has rocketed, according to the Association of British Insurers.

Findings from a new survey show that many owners are going to the extreme of deliberately harming their pets for insurance claims money and that the sum of pet insurance fraud pay-outs detected last year amounted to almost £2million.

The organisation has revealed that there was £1,929,900 worth of fraudulent animal compensation claims in 2010 and that the number of fake requests has almost quadrupled in the last year from £420,000 in 2009 – making it the fastest growing area of insurance claims.

Industry experts are concerned that the injuries to the furry friends are similar to ‘cash for crash’ scams which involves cars being purposely smashed for compensation. And with over 2.3 million cats and dogs being insured last year, the number of cases that could possibly occur is startling.

The study found that some owners are injuring their pets in ‘fake accidents’ to cover up previous conditions that were not covered by their policy, and that some owners have even killed their domestic animals to claim an early death insurance pay-out. Animals are going mysteriously missing in order for owners to claim that the pet is lost or stolen and the report concludes that some pets may never have existed in the first place.

Insurers are concerned that some vets may be involved in the sick cons and are deliberately putting healthy pets down for quick bucks. For all claims in excess of £1,000, an insurance company will appoint their own loss adjusters who will investigate the claim to see whether your insurers have grounds for turning it down.

Whether you are claiming for pet insurance, flood, fire or burglary, get in touch with the expert insurance claim advice and service firm today and speak to the friendly loss assessors at Salmon Assessors.

The World’s Greatest Movie Stunts

Monday, February 7th, 2011, by admin

If there’s one job that will guarantee higher insurance premiums, it’s that of a stuntman. Since the dawn of cinema, brave men and women have been flinging themselves through explosions, off buildings, between vehicles and into each other; all in the name of entertainment. We thought it only fitting today that we, a company in the risk industry who also happen love the spectacle of a good action movie, take a look at some of the greatest movie stunt scenes ever committed to film.

Remember: these are in no particular order and simply represent our favourites. Leave your own suggestions in the comments, and enjoy!

Yakima Canutt (Stagecoach, 1939)

Originally a world champion rodeo rider, Yakima Canutt’s foray into the world of Hollywood stunts saw him quickly embraced by the studios, and in particular by John Wayne who learnt a huge deal from his stunt double. One of Canutt’s most memorable stunts was ‘the drop’ as seen in the video above, taken from John Ford’s Stagecoach and starring John Wayne himself. Canutt performed the stunt perfectly numerous times.

Marvin Casino Royale

Marvin Casino Royale
Image Source

There’s quite a lengthy scene in Casino Royale in which a chase takes place on an enormous crane, and at various points along the way James Bond fights a bomb maker named Mollaka in the most precarious of spots. One part in particular, however, was so dangerous to film that the regular stuntman – parkour expert Sébastien Foucan – had to hand over the reigns to Marvin Campbell, another stuntman, as his insurance company refused to cover him should he make the leap. The jump in question can be seen at YouTube.

Michelle Yeoh (Police Story 3: Supercop, 1992)

Prior to landing parts in Tomorrow Never Dies and Crouching Tiger, Hidden Dragon, Michelle Yeoh played the part of Jessica Yang in the 1992 movie Supercop. One of the movie’s stunts, seen above, required Yang’s motorbike to jump onto the roof of a train. After rehearsing unsuccessfully with wires attached to ensure safety, Yang eventually filmed the stunt without them. The ensuing spectacle gained her enormous respect amongst the stunt community.

Buster Keaton (Steamboat Bill Jr., 1928)

Buster Keaton’s most famous stunt came in 1938 in the movie Steamboat Bill Jr. The scene involved the facade of a house falling onto Keaton’s character; him surviving by virtue of its open window surrounding his body. He refused to rehearse for the stunt and no trickery was involved.

From Marion Meade’s ‘Buster Keaton’:

“As he stood in the studio street waiting for a building to crash on him, he noticed that some of the electricians and extras were praying. The window was just big enough to give two inches of clearance on either side. Keaton drove a nail in the ground to mark his position. When the moment came and the house front came down, he froze. The open window hit him exactly as planned. Afterwards, he would call the stunt one of his greatest thrills. He said later that he did not care whether he lived or died: ‘I was mad at the time, or I never would have done the thing.’”

Wayne Michaels (GoldenEye, 1995)

Wayne Michaels (GoldenEye, 1995)
Image Source

When filmed in 1994, the bungee jump that eventually became GoldenEye‘s opening scene instantly broke a world record as it became the highest bungee jump ever made from a fixed structure. It was shot in Switzerland at the 750ft high Verzasca Dam; featured gutsy British stuntman Wayne Michaels in the shoes of Pierce Brosnan; and has since been voted the greatest stunt ever performed. Watch it here.

Joe Canutt (Ben Hur, 1959)

When filming what would become one of the most well-known chase scenes in cinematic history, the stuntman responsible for Ben Hur‘s infamous chariot scene – Joe Canutt, son of Yakima (see Stagecoach above) – was incredibly lucky not to be killed. In one particular scene (see clip above, beginning at 4:45m) Charlton Heston rides over a downed chariot; in fact Joe Canutt ended up flipping over the chariot by mistake and was lucky enough to escape with both a bruised chin and some amazing footage.

Jackie Chan (Police Story, 1985)

The final scene of Police Story is essentially ten minutes of classic stunt-work from one of the all-time greats, Jackie Chan. In fact, much of the film is an homage to stuntwork, so if you haven’t already seen it, we recommend you do so. For now though, watch a master at work as he bounces around a mall in the movie’s dying moments.

The Marks of Rival Fire Brigades

Thursday, August 12th, 2010, by admin

Fire Insurance Mark
Above: A fire insurance mark still stands in Dulwich.

Imagine, if you will, a fire truck racing down the road towards you as a fire engulfs your home, all of your belongings swiftly succumbing to the flames as shaken family members and neighbours watch in shock, unable to help. Thankfully the equipment-laden truck soon pulls up, a fireman exits, takes one look at your property, and states the following:

“I do apologise, but we’re unable to assist due to your policy. However the Aviva Insurance Brigade should be along in no time. Best of luck.”

Had you been alive a few hundred years ago, a scenario similar to that may well have occurred.

The Great Fire of London.
Above: The Great Fire of London.

Early September of 1666, over the course of just a few days, the Great Fire swept through the narrow streets of the City of London and devoured over 13’000 properties; in turn uprooting 70’000 inhabitants and instantly rendering them homeless. Just over a decade later, as the regeneration of London continued, a major figure in the process – and owner of one of the most incredible middle names of all time – identified a business opportunity amongst the ashes and formed the world’s first fire insurance company. Nicholas ‘If-Jesus-Christ-Had-Not-Died-For-Thee-Thou-Hadst-Been-Damned’ Barbon‘s company, ‘The Fire Office’, was an instant success and before long brought about the formation of numerous competitors.

Union Insurance fire brigade
Above: A Union Insurance fire brigade in action.

More interesting is this: in order to physically protect their interests and reduce losses, these early insurance companies began operating their own fire brigades, and for the next 200 hundred years – at which point they merged to form the government-run service we now depend on – competing fleets would attempt to race to each and every fire in the vicinity with a view to dampening the flames that threatened only the houses on their books. Bear in mind however, that back then very few streets and houses had names or numbers, and as such the entire process had the potential to be dangerously slow and completely unworkable. To combat the problem by offering firemen a method by which to identify ‘their’ properties, policy holders were supplied with Fire Marks – metal plaques bearing their insurance provider’s emblem and the home’s unique policy number – to attach to the front of their homes, more often than not above the front door.

Fire Marks
Above: Three insurance companies’ fire marks.

This idea worked well enough, and upon arrival at a burning building the firemen – or ‘watermen’ as they were then more commonly known – would now almost instantly know whether they needed to begin fighting the fire, go back to the station, or, as was sometimes the case, stand by and taunt the correct team as they doused the flames. Thankfully for all involved, the insurance companies eventually realised that the often unhealthy competition was harming members of the public as well as their own businesses’ reputations, and the intense rivalry stopped. Soon enough, for a number of reasons, the brigades merged and became a municipal service.

All in all, a compelling development in both the history of insurance companies and that of the fire service which also happened to result in the design and production of nearly 1000 different fire marks, some of which can still be found above doorways in various areas.

- To learn more about the history of the insurance industry, this Wikipedia page is a good starting point. While you’re there, a glance at the history of firefighting page is also advisable.

- For more information about British fire marks and many pictures, visit Firemarks.co.uk. For an American perspective, visit The Firemark Circle of the Americas.

Images used in this article were found here, here, here and here.

The Crazy World of Taste Insurance

Wednesday, October 21st, 2009, by admin

These days it’s not uncommon for high-profile celebrities to take out insurance policies relating to parts of their anatomy, and it actually makes a great deal of sense when you consider that they often use particular parts of their body to generate income. As an example: a performer such as Rod Stewart would be lost without his voice, hence the £3.5 million insurance policy which covers his vocal chords.

Less publicised but equally as interesting are insurance policies taken out by professionals working in the world of food and drink…

Angela Mount

Back in 2003, Angela Mount was working for Supermarket chain Somerfield as their chief wine buyer. Naturally, her taste buds were extremely crucial to the company’s wine-based business and so they decided to take out a mammoth insurance policy to cover their concern. The upshot was that Angela’s ‘olfactory system’ became insured for a whopping £10 million and the supermarket received a whopping amount of publicity as a result.

Robert Parker

Robert Parker

Robert Parker is, apparently, one of the world’s most revered wine critics and creator of a bi-monthly newsletter entitled The Wine Advocate in which he reviews wine by way of a 100-point system. These critiques are said to be so highly regarded that they can, and do, heavily affect the pricing of newly produced wine. As a result of the impact of his reviews, Robert decided to insure his extremely influential palate for a cool £600,000.

Gennaro Pelliccia

Gennaro Pelliccia

34-year-old Gennaro Pelliccia is Costa Coffee‘s chief coffee taster and as such is required to taste every batch of each bean which passes through the company’s roastery in London. Due to his 18 years of experience and highly accurate taste buds, Pelliuccia is able to distinguish between thousands of different coffee flavours, and as a result his employers have insured his tongue for an incredible £10 million.

John Harrison

John Harrison

No wonder he’s smiling. John Harrison is, and has been for many years, the official ice cream taster at Dreyer’s Ice Cream and on a daily basis approves or rejects ice cream according to its many different varieties of flavour, colour and texture. It’s a difficult job but someone’s got to do it, and that someone just happens to be John, a man who uses a gold spoon (there’s no aftertaste) to judge ice cream in order to pay the bills. Unsurprisingly, his taste buds are insured for £700,000.

Egon Ronay

Egon Ronay

Back in 1957, food critic Egon Ronay brought out the first edition of the extremely popular ‘Egon Ronay Guide to British Eateries’, a food guide which would go on to become one of the most renowned of the period, so much so that restaurants would eagerly await a review in order to legitimately place a rosette in their window. Quickly realising the power of his taste buds due to the guides’ success, Ronay insured them for £250,000.

Richard Paterson

Richard Paterson

Richard Paterson, a.k.a. The Nose, has been working as a master blender (‘an individual who decides on the composition of blended spirits‘) for an impressive 40 years and thanks to, amongst other things, his nose created the world’s most expensive bottle of whiskey – the bottle of Dalmore Single Highland Malt sold in 2002 for £26,000. With his whiskey commanding that kind of price it’s no wonder that his nose is now insured for £1.5M.

Antony Worrall Thompson

Antony Worrall Thompson

British chef Antony Worrall Thompson announced in 2003 that he was to insure two separate areas of his body in order to protect against any future illness or accident. As a result, his fingers are now valued at £500,000 and his tongue – essential for tasting his creations – for the same.

Insurance Claims News

Wednesday, September 30th, 2009, by admin

The arrival of the storms and gales and the onset of the freezing pipes season always cause a surge in insurance claims, but a survey out this week suggests the average policyholder is dishonestly inflating claims by at least 25%.

The survey, conducted by the Chartered Institute of Loss Adjusters, coincides with a New Year clampdown on fraud by insurance companies, which started to investigate claims on a random basis.

But the Consumers’ Association is urging honest householders not to be intimidated by loss adjusters who try to knock down claims by saying they are “underinsured” or there is unsatisfactory evident – no receipts, for example.

In the past, insurance claims adjusters only used to be routinely employed by insurance companies for claims above £1,000.  Now the threshold is about £300.  In theory, they independently negotiate claims and have the power to raise the amount.  In practice, they are employed to reduce the insurance company’s losses.

Jeffrey Salmon, a leading ‘Loss Assessor’ who battles with insurance companies on behalf of policyholders, says people should always challenge Insurers and the loss adjuster they appoint.  “For some reason, people treat them with the same respect as the Inland Revenue.   They shouldn’t”.

He urges policyholders to be as assertive as they would with, say, a department store over faulty merchandise.  “Take flood claims.  Adjusters tend to quote the cheapest equivalent for replacement furnishings or they deduct ridiculous amounts for wear and tear.”

Original receipts are now crucial when making a claim, though more insurance companies are insisting on evidence of re-purchase or building work invoices rather than estimates.

TSB Insurance, for example, is moving towards a policy of replacing damaged items itself instead of paying out cash when a claim is settled.  Already, claims exceeding £100 for damaged carpets are passed to the retailer Carpet Land.

Companies are also putting up ‘excesses’ (sometimes to more than £200) to deter people from making small claims.

A spokesman for the Association of British Insurers said people with a valid claim had nothing to fear from the new crackdown but added, “Where there is evidence of fraud, companies are not hesitating to prosecute”.  Dishonest claimants may be put on a computer blacklist.

The recession has boosted fraud, but dishonest claims tend to rise in line with premium increases.  Householders have had to swallow swinging increases over the past two years – making household cover three times more expensive in some cases.  Yet fraud merely gives companies an excuse to push up premiums.