Confidas are honoured to have been named as finalists in the British Insurance Awards Broker Partner of the Year category.

The Broker Partner category reflects not only how well we service our broker partners, but how we work in tandem with them to find mutual solutions to meet the needs of our clients.  In the five years since we started trading, partnership has been at the centre of the way we work.  Having access to underwriters and claims handlers who can look for creative ways to write business and settle claims equitably is as important as the market leading and unique products we have created.

Steve Smith, MD of Confidas commented; “When we started Confidas in 2015 it was with the broker in mind.  We wanted to bring something unique to the market which would allow brokers to develop with us in order to win and retain business. Whilst working with UKI to deliver an unlimited sums insured product that overcame the perennial issue of getting sums insured right so as not to leave clients underinsured, we also invested in delivering levels of service that cater to the demands of clients. I’m extremely proud of the team and their success in growing the business in partnership with our brokers”. 

Our Max product, with its unlimited sums insured and wide cover, allows brokers to compete against the rise of white labelled direct products such as those from high end retailers.  While it might seem obvious that we would say it, it’s always best to have an insurance broker because not all policies are the same and they are specialist in finding cover to match client needs.  It has been by listening to, and working closely with, our brokers to refine our products and procedures have we been able to succeed in this market. 

We would like to thank everyone we have partnered with over the past five years.  Our joined up approach has led to our shortlisting as Broker Partner of the Year, but more importantly it has allowed us to better look after our clients.

How Confidas can help you if your current income has been impacted by Coronavirus (Covid-19)

Ways we may be able to support you:

·         By reviewing your levels of cover

·         Changing instalment dates

·         Payment deferrals

What is a payment deferral?

·         A payment deferral normally means that when monthly payments resume, the amount that has been missed gets spreads over the remainder of the agreement.

Is a payment deferral appropriate for me?

·         Payment deferrals should only be used when absolutely necessary, the full credit agreement balance will still be due, but will be paid over a shorter period.

·         The total payable will not increase as a result of a payment deferral as we will not charge any additional interest.

·         Agreed payment deferrals will not have a negative impact on your credit score (if applicable).

What should I do next?

·         If you are struggling financially please contact your insurance broker in the first instance and discuss your needs with them.

·         Do not cancel any payments or direct debit through your bank as this may have an adverse impact on your policy with us and your credit score.  

Dear Broker

Having spent the past few days testing our capabilities to move to a fully remote operation, we are pleased to say we are in a strong position to continue to deliver our service to you in this manner.  In line with Government advice to only travel where necessary, we have taken the decision to now fully close our Croydon office until further notice. 

Change to some procedures

While we are focused on continued excellent service, there are inevitably some changes to our contact and processes.

• The key one is that we will be able to work more productively via email communication during this time.

• However, direct dials will divert to our mobile phones – please be aware that we don’t all get great mobile signal while working remotely, hence the preference for email contact.

• If you do wish to talk to someone, calls to 0208 603 7157 will be handled by our Norfolk office, which continues to remain open.

Claims

• Calls are already diverted to our Leeds team and they will take FNOL advices and distribute the claims handling as appropriate.

• As previously advised, you should not see any changes to our working patterns or service levels from claims.

Underwriting

• As previously advised, we would prefer email instruction as this gives us an audit trail in the absence of a call recording system – this is for the benefit of both you and us as well as our mutual clients.

 All underwriters are available on their normal email address, and per above, have got mobile capability if necessary (within our usual working hours).

 • As part of the service Confidas offer, we already have in place a process for auto renewal, client’s will not be left off cover if you can’t communicate with us

.• As a reminder for data security purposes, for New Business instructions where you wish to put a client on cover using our Interest Free Direct Debit facility, please:

Put the client’s banking details in a password protected document (e.g. Word or Excel)

Email the encrypted document to insurance@confidas.co.uk

In a separate email, send the password for the document

• For New Business instructions on broker account, simply advise this is the case in the email confirming cover.

Business Development

• Both Steve & Andy remain available by phone, but as a business, we have taken the decision not to undertake face to face meeting for the foreseeable future.

Accounts

• Remains business as usual

Further update on travel insurance

• If a client already had Confidas Travel insurance in the previous insurance period, they will be able to continue this at renewal.

• We cannot currently add travel insurance to the home product at renewal if the client did not have Confidas Travel insurance in the previous insurance period.

• We cannot currently add travel insurance, or individuals not yet on a current insurance, to the home product mid-term.

• We cannot currently add travel insurance to the home product as new business.

We hope that you and your teams are healthy and remain so during this pandemic.

Kind regards

Paul Birch
Head of Underwriting
0208 603 3750

Stunning Women

This is the primary guide I truly have read by Elizabeth J. Church, however I have a duplicate of The Atomic Weight of Love that I plan to read. I do should say, the writing itself on this guide was truly really well done. The author is a gifted author, that’s for sure, it’s just the story normally didn’t work for me. It felt prefer it was going great, till Ruby meets a person and the book takes a disturbing turn into abuse class again. To prime it off, it also proved that there was no character development for Ruby until the earlier couple of chapters of the book. It was each infuriating and frustrating, particularly since so many individuals who she trusts tried to warn her and help her. I was three quarters of the best way through earlier than I put it collectively that Elizabeth Church, the writer, also wrote a book I listened to last year, The Atomic Weight of Love.

Uma Thurman was gorgeous, a 15 12 months old Natalie Portman was cute and snappy, and O’Donnel was her traditional loud self. Not a lot else to say about this one other than I actually wasn’t too into it in any respect x video . I watched it as a end result of I have a weak spot for 90s small city motion pictures but actually, it wasn’t price it.

You don’t have to consider your father and the river. Or your mom, who has nothing left to provide you.

• Two small brothers named Jakub and Ondrej, nine and 7 years old respectively, were revealed to have suffered confinement, mutilation, psychological brutality, and cannibalism at the hands of a quantity of people.
• During a snowy winter within the small fictional city of Knight’s Ridge, Massachusetts, a group of lifelong buddies hang out, drink and struggle to attach with the women who have an effect on their selections, goals and wishes.
• (Revolutionary, no?) We included some of the most popular lady names for 2021, in addition to unique child woman names that’ll give your little chick one thing special right from the get-go.

Likewise, the compulsive smiling that later grew to become a pageant hallmark wasn’t yet reflexive. Photos capture the hopefuls wanting variously amused, relaxed, bored, impatient, distracted, or downright stern—charmingly human, and extra like the youngsters most of them were than the women they were presumed to be. The 1921 Atlantic City Pageant’s central event kicked off with the rolling chair parade, as tons of of flower-bedecked floats and chairs rumbled, this time down the boardwalk, the thrumming primary artery of town.

L Woman Names

If you’re pursuing women simply because they’re stunning and never because you like their personality or take pleasure in spending time with them, then you could need to reevaluate your priorities. You don’t have to essentially purchase something, even browsing and window-shopping offers you the opportunity to meet beautiful ladies. Rehearse.Practicing how you will strategy an attractive woman makes it simpler to do as soon as the time presents itself. Think about what you’ll say and how you’ll say it. Rehearse the exchange in your thoughts and out-loud until you’re snug.Practice within the mirror or with a close pal. When you first meet a beautiful girl, this helps you in plenty of methods. The first meeting is commonly somewhat awkward and you could be nervous and say something that makes her reject you.

As an object of desire for male otaku , she saturates these worlds with meaning at the equal time as her fictional standing demands her ceaseless proliferation and copy. The Social Security Administration keeps track of the name of each child born in the United States, so we know which names American parents like to make use of for their youngsters — and the way these preferences change over time. Those numbers can also help you differentiate between actually distinctive baby girl names and people who hundreds of other parents additionally thought had been one-of-a-kind ideas. It’s been one of the most in style child woman names since 2014. But we’ve carried out the dirty work for you, digging by way of decades’ price of child names to search out essentially the most beautiful and unique baby woman names. In 1996 Miramax released the Ted DemmefilmBeautiful Girls.

Beautiful Brown Girls creates distinctive and memorable experiences for ladies of color to foster a world that runs on love, inspiration, and acceptance. As Malu and her pals transfer on from their latest tragedy, they take on profession challenges, new love potentialities and confront injustices with bravery. And Marina is the daughter of the wealthy Perez family, married to Mateo, a farmer’s son. As the conflict with Spain escalates, she is separated from her husband and eventually pressured to depart their farm. Transported to Havana along with her daughter and mother-in-law, she should fend for herself with little cash, poor residing situations, and no way of understanding if her beloved husband is useless or alive. Harrington arrives in New York City in 1896, decided to comply with within the footsteps of Nelly Bly by turning into a respected female reporter at one of the city’s main newspapers.

Experiences all Vegas has to supply and then some.Rubs shoulders with the entertainment icons of the day, Tom Jones, Sammy Davis, Dinah Shore. I obtained an absolute thrill studying a lot of this a part of the story, done so well, can simply picture what Vegas was like and in many ways still is at present. I so loved the trade between The Aviator and Lily, though now known as Ruby. When she tells him about the glamour of Vegas, he sends her the e-book by Fritzgersld, The other aspect of Paradise.

Writerly Child Woman Names

All the Beautiful Girls is a coming of age novel set within the Sixties. The story begins on the scene of a horrific accident, this accident defines much of our lead character’s life, Lily.

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How Much To Cost For A Catalog Essay?

Critical analysis of selected subjects on Greece and the Balkans during the twentieth century. A paper, based on unique analysis, shall micro-optik.com be due in HIGR 219B. Seminar topics will vary. Both HIGR 218A-B must be accomplished earlier than a last grade could be assigned.

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All Roads Are Good: Native Voices On Life And Tradition

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Fruto De La Arcilla: Objetos De Cerámica Del Museo Nacional Del Indígena Americano

This course continues to build on and add to the foundational expertise students learned in kindergarten via day by day learning. Over the course of the year, college students will develop a fuller vary of phonics, comprehension, vocabulary, spelling, and fluency skills. Students will think critically about authentic texts and begin to follow writing to speak their ideas.

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A receiving institution shall also present written notice of the reasons for denying credit for a particular course or set of courses on the request of the sending institution. All applicants are inspired to view theTransfer Course Sheetsposted on the admissions web site for data regarding required programs and GPA necessities for admission to a particular major. Applicants to the Colleges of Architecture, Business, and Veterinary Medicine and Biomedical Sciences should discuss with the Upper Level Entry requirements. Applicants to the College of Engineering ought to refer to the Entry To A Major – College of Engineering necessities. Overall, the College of Geosciences requires potential switch college students to be in the means of completing a minimum of 24 hours from the list of courses provided here with a minimal overall GPA of 2.5.

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So here are a couple of adjusted timelines that can allow you to benefit from the brainstorming and freewriting course of even should you don’t have the complete six-month window. The Common App Essay prompts are diverse sufficient that they permit you to write about just about anything. Therefore, we encourage you to brainstorm your finest stories first and then think about which query to answer. Admissions committees haven’t any choice for which immediate you choose.

• The persona Chad’s essay reveals speaks lots to his approach in attempting this essay.
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They seemed to stand on darkened hilltops, wanting down. It was the wild einkorn wheat which grew on the hilly flanks of the Zagros Mountains, above the Euphrates valley, above the valley of the river we known as River. We harvested the grass with stone sickles, I keep in mind. That is how he used to look then, that one, transferring and living and catching my eye, with the sky so darkish behind him, and the wind blowing.

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I am endlessly comfy and confident with who I am. Birk said she has heard that some parents and academics grumbled in regards to the essay. Shames said that the superintendent is taking the proper steps toward investigating how the essay was allowed and that it was a mixture of poor steerage at home and faculty, not the fault of the child. The essay comes at a time when the United States is seeing an uptick in antisemitic violence and stories of vandalism at synagogues linked to the conflict between Israel and Hamas, The Post has reported.

This is what my mother and father have taught me to maintain it the only aim in my life. My household, especially my mom, has been the a lot source of encouragement and motivation for me. That is why I myself am a truly self inspired, strengthened and dedicated fellow at present. I even have learnt so much from my mistakes and from my failures.

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Felicity Huffman And 12 Different Mother And Father To Plead Responsible In College Cheating Scandal

It is finally the unconscious gaps in these narratives which might be liable for lots of the man-made issues this world faces. Essay written for the University of Chicago prompt. Frozen in disbelief, the hen tries to make sense of her harsh words. “All the meals, the good gentle hay, the flawless purple barn–maybe all of this isn’t price giving up. She simply needs to protect me from shedding all of it.” The rooster replays the incident again.

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Also, whenever you write longer papers, change your thought of help from three physique paragraphs to three body sections, with as many paragraphs as essential in each part . One of the most effective ways to put in writing a successful school essay for your school software is by studying from actual school essay examples that labored. The essay is the most common written task at school.

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Through my work, I can settle for the shovel without burying my grandmother’s reminiscence. Volunteering at a most cancers therapy center has helped me discover my path. When I see patients trapped in not solely the hospital but also a moment in time by their ailments, I discuss to them. For six hours a day, 3 times a week, Ivana is surrounded by IV stands, empty walls, and busy nurses that quietly yet continually remind her of her breast most cancers.

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Working out of your outline, write an introduction and subsequent paragraphs to deal with every major point. Start every paragraph with a subject sentence that briefly explains the main level of that paragraph. Finally, finish your paper with a strong conclusion that sums up the most important points. The topics for these wretched items of labor are nearly always going to be out of your control, so prepare to put in writing about absolute bull. Research for these papers require hours of web surfing and/or guide searching, because you need both a “reliable” supply and a source in which you’ll extract a considerable amount of info from. In addition to the ache you must endure from just finding useful info in a sea of crap, you must also cite virtually EVERYTHING using MLA Format, putting the icing on the cake of frustration.

I knew what to search for, what it felt like, and I desired to find that connection in different places. Junie opened my eyes to a world of possibilities, and saved my dad a neck cramp from sleeping at a weird angle. What excites me about St. John’s the most is that I have some previous exposure and that familiarity will enhance each my understanding of these texts in addition to my capacity to debate them. I truly have already read some of the books within the curriculum as soon as, and so now I will be in a position to ‘read a e-book,’ during my second spherical of studying and discussion at St. John’s. My junior year specifically was my most interesting round of humanities.