Apprentice Promotion - George Richman Aspires to Trainee Account Handler with A-One Insurance Group


After successfully completing a six month apprenticeship with the A-One Academy, an integral part of the A-One Insurance Group, the apprenticeship provides the essential skills and a wealth of experience to accomplish a full time position with the insurance firm George Richman was given a full time role and was been promoted to Trainee Account Handler for the A-One Commercial Team, recognising his talent and enthusiasm Managing Director if Aspire Insurance, Tristan Webb has offered George a role in his team.

George Richman trainee account handler role will include developing and maintaining a portfolio of his own clients which will encourage long term relationships, encompassing new business, renewals and adjustments, and he will primarily be insuring professional and consultancy businesses and offices, he will also be responsible for presentations, administration documents, maintaining manual and IT based office systems and using the specially built A-One Insurance IT system. He will be based at head office in Ringwood working for Aspire Insurance.

George Richman said, "I am looking forward to building my own portfolio of clients and looking after them. I will be providing one-to-one help and solutions to their problems. I am excited about the many opportunities within this role and I want to succeed as a part of the Aspire Insurance team. The team are 100% supportive and they want me to succeed and make a success of this role. I know I have flourished since I started my apprenticeship and I have the belief that there are endless possibilities for me to succeed and continue with my promotion and that is thanks to the support of the directors and management."

Tristan Webb, Managing Director at Aspire Insurance Services said, "George is hardworking and he wants to forge a career in insurance, he is already an asset to our team as he has grasped the role and the opportunity, showed he has the required knowledge of our in-house bespoke systems, as well as being forward-thinking, dynamic, and has a positive, can-do attitude."

Said Sarah Eades, Group Operations Director of A-One Insurance Group, "We are delighted with the progress George has made, he will now be responsible for building and maintaining his own portfolio of clients, supporting Tristan and ensuring post sales administration is completed in line with the company standards. George was our very first in house trained apprentice and we are overjoyed with his progress The A-One Academy was created 18 months ago and is an effective platform for apprentices to begin their career in Insurance within the A-One Insurance Group. The training scheme initially develops their business administration skills and is supported with in-house training that leads to an NVQ qualification. This allows the apprentices to forge a career in insurance from a grass roots level - be it in administration, sales or client management across the many range of insurance's AOIG offer which covers Personal Lines, Marine, through to Commercial, thus giving the apprentice access to specific Certificate in Chartered Insurance qualifications during their career with A-One Insurance Group."

George Richman sums up his apprenticeship. "Don't assume insurance is boring, it has so much to offer and if you like people and can deliver customer service then consider insurance as a career option, the AOIG apprenticeship experience has been positive for me and is highly recommended."

For more information about Aspire Insurance call 0333 222 1182

Festive Opening Hours


Christmas contact numbers for clients of Aspire Insurance

If you are reporting a new claim then please use the relevant claims number or consult your policy booklet. For any other urgent enquiry, please refer to the main emergency contact numbers noted below.

Main emergency contact Number
Tristan Webb
Aspire Insurance
07876 761676

Insurer new claim notification Number
Allianz Combined Fleet 0844 893 945
Allianz Engineering 0142 826 5825
Allianz Household 845 073 1114
Allianz Liability 01483 218 781
Allianz Property 0844 412 9988
Arista Motor Fleet 0844 800 9906
Arista Liability 0844 770 5150
Arista Motor Glass 0844 800 2751
Arista Motor Trade 0800 046 6225
Hiscox 0800 1700 935
Kellan & Westall 01420 471 989
Lorega 0207767 3070
LV / Highway Fleet 0845 337 2671
LV / Highway Commercial Property 0845 640 5170
LV / Highway Commercial Private Motor 0871 222 6062
Markel 0845 351 2600

Aspire Insurance wish you a Merry Christmas and a Happy New Year!

Myths and Tips


How to negotiate a better Business Insurance Quotation; the myths and tips. Every year business owners are speaking to brokers with a similar shopping list:-

  • Most competitive premium
  • High standards of policy cover
  • Proven claims handling track record
  • Proven service standards
  • Value added services such as Risk Management Advice

Below are some common myths and explanations to assist in your negotiations.

Myth number one; "more brokers, more quotes, more competition, equates to cheaper premiums". In our experience this actually has a negative outcome on achieving best terms from Insurers. Often if Insurers receive differing information from competing brokers they put forward a no quote. With available insurers relatively limited it is more important to select the right competing broker capable of putting your existing broker to the test.

Myth number two; "not providing brokers with a target premium means you will get best terms first time". No doubt you set goals and targets within your own business and share them where possible with your management or employees. The same advantages apply to insurance premiums. The first thing this will achieve is a more efficient process with brokers able to eliminate the uncompetitive insurers quickly. Those insurers who are close to the premium are often asked to sharpen their pencil to help brokers achieve their goals. Finally the broker can discount their commission or fee if they felt that they could still service the client effectively at a discounted rate.

Myth number three; "review your insurance provider every year". The downside to this strategy is that insurers really want long term clients. Often the administration costs for insurers are high in the first year, so changing insurers' year on year can be more costly than reviewing every 2-3 years.

Myth number four; "not engaging with the competing broker will provide a satisfactory outcome". This is rarely the case. A competing broker is going to represent your firm with insurers. If they are going to do this effectively then they should be asking questions around your current arrangements, previous claims, risk management procedures and so on. The more challenging they are probably the harder they are trying; do you really want someone who is just sending a proposal form to insurers?

Hopefully that clarifies a few myths, so how about a few tips....

  • Set clear timeline. If you want everything completed by a specific date ensure the competing brokers are aware of the presentation and decision deadline, together with who is involved in the process.
  • Everyone will tell you that they have spectacular service, but not everyone shares your definition. They should provide a customer service charter outlining what service they do in return for the negotiated fee or commission, or you could request testimonials from existing clients.

Hopefully by dispelling the myths above and utilising the tips, you should be able to achieve a more preferable insurance outcome though a more effective process.

If you would like to know more regarding any of the content above please contact:- Tristan Webb, Managing Director, Aspire Insurance Services Limited, 0845 270 6720



It's all well and good seeking out the cheapest business insurance premiums year after year and with insurers direct, on-line quote facilities and broker's telesales teams flooding the market; your range of options has never been greater.

However the hidden cost of servicing could well outweigh many savings.

Choosing your professional advisor is something you should do wisely when seeking the most competitive terms for your business.

Spending your valuable time on the phone chasing documentation from your insurers or brokers, chasing claims, checking and amending any spelling errors on documentation; the list is endless.

So how can you minimise your exposure and subsequent time spent in this area?

Many insurance brokers work on a commission or fee basis, so it's worth checking to see the extent of services they include for their arrangement fees.

A good quality insurance broker may even have a customer service charter which not only promotes a quality service but should also outline the standards of service their clients should expect and what to do in the event of a complaint.

Is the documentation written in plain English? Can your broker clearly explain to you any differences in cover or conditions and warranties?

Good old fashioned word of mouth can speak volumes regarding a broker or insurer. Hearing that other clients similar to you happily use the services of the broker - and are pleased with the service they receive - speaks volumes.

Do they have any recommendations or testimonials from their existing clients they can offer you? On the occasions where you have adjustments or queries, is it clear who to call? Do you get a single point of contact? How accessible are they? Are you lost in an automated telephone system? Do they listen to your query and take ownership of your issue? Are they happy to come and visit you to run through your issue in person if required?

A broker who can advise you on Risk Management measures that are simple to implement, will help negotiate preferential terms and even avoid future claims. This is of huge value as not only are claims negotiations lengthy but also subsequent premium rises are possible.

Happy Birthday To Us!


24th April and Aspire has reached the ripe old age of 8!

I remember it well as my son hadn't long been born and it felt like a huge chance to take at a time when security mattered most. Each year however the business has grown a little and is developing into a business I am proud of. Our clients and business contacts continually refer and introduce us to new contacts so it feels like we are doing something right. Thanks to all our clients and contacts as without you we really wouldn't be here.

Cyber Insurance


As businesses become ever more reliant on technology, the risks from suffering a loss related to problems with their computer systems, or holding sensitive customer data, continue to grow. This can lead to lost revenue, a damaged reputation, and legal and regulatory costs, not to mention the associated business disruption.

According to a report by the UK government, 60% of small businesses suffered a data breach in the last year.1 A further 16% of small businesses experienced a 'denial of service' attack, effectively making their computer systems unusable.

Is my business at risk? If you:

  • Hold sensitive customer details such as names and addresses or banking information
  • Are reliant on computer systems to conduct your business
  • Have a website
  • Are subject to a payment card industry (PCI) merchant services agreement

Then your business could be vulnerable to a data breach or loss of vital business services. What protection is available?

Hiscox Cyber and Data Insurance offers comprehensive protection for your computer systems and data (electronic or non-electronic). Benefits include:

  • Practical support in the event of a data breach including forensic investigations to find out what went wrong and confirm whose data has been put at risk, legal advice, notifying customers or regulators, and offering support such as credit monitoring to affected customers;
  • Compensation for loss of income, including where caused by damage to your reputation, if a hacker targets your systems and prevents your business from earning revenue
  • Payment of the costs associated with regulatory investigations or claims for damages made against you for failing to keep customers' personal data secure. We will also pay civil penalties levied by regulators (where allowed)
  • Reimbursement for the costs of repair, restoration or replacement if a hacker causes damage to your websites, programs or electronic data
  • Liability protection if you mistakenly infringe someone's copyright by using a picture online for example, or inadvertently libel a third party in an email or other electronic communication.

Insurance alone is not enough to deal with these new and evolving risks. So Hiscox will not just pay out when you suffer a loss but will also provide you with access to a team of experts who will actively work with you to minimise your loss and the possible damage to your business.

From the moment you notify us of a problem we will support you by offering expert help and guidance when and where you need it, for example if:

You think confidential client data has been stolen or gone missing. We will work with you to find out what went wrong, stop any further data leaks and confirm whose data has been put at risk. We will also assess whether there is a need to make any notifications: to your clients or the Information Commissioner's Office for example. Where appropriate we will cover notification costs, including costs incurred from emailing or writing to any affected customers;

A hacker has disabled your computer systems preventing you from running your business. We will meet the costs of repairing or replacing your systems to get you back up and running as well as paying out for the lost income you suffered; content on your website has accidentally libelled a third party and they are suing you. We will respond to any claims which arise from your online content and pay your associated legal costs and compensation.

Professional Indemnity Insurance


If your business gives advice (regardless of if you are paid for it), offers a professional service, or handles data, then this product should be in your insurance portfolio.

For many trades (Solicitors, Accountants, Architects, Surveyors, Insurance Brokers), you would expect them to have this insurance, and their regulatory bodies set out what type and the levels of cover they should have.

However for many others (Management Consultants, IT Consultants, Marketing, Advertising, Health & Safety, HR Consultants, Personal Assistance / Administrative), is it is a wise precaution, or sometimes a contractual obligation.

Some require specific policies relevant to their trade, such as Recruitment Consultants.

Clients can claim compensation if there is a mistake in the design, plan, calculations or advice given. This can be costly and time consuming. Limits of indemnity range from £50,000 to £5,000,000 and usually excesses start at around £250.00.

We specialise in this area of insurance, acting as broker for various law firms, many recruitment consultants and management consultants across the UK.

For a simple chat to find out more feel free to contact our office 0845 270 6720 or email

Flooding Hints and Tips


As winter sets in and the weather takes a turn for the worse insurers gear up to deal with increased claims. What can you do to prevent or minimise the effects?

Let's start with flooding. Last year saw extensive flooding affecting homes and businesses across the UK. What can you do if you are concerned about flooding, how can you prevent or minimise losses, and what can you do should it happen.

If you are concerned..

You can check with the Environment Agency who can advise if you are in an area prone to flooding, also on the latest flood information in your area. Gather all your insurance details including the out of hours contact details for insurers, together with emergency contacts for staff, customers and suppliers should you require to notify them. Place this in a waterproof wallet. Make a pack if you feel you are at risk of being stranded in the workplace, torch, phone charger, warm clothing. You can install measure to protect property, lots of information can be found at The National Flood Forum.

Preventing or minimising..

What can you do when you feel flooding is inevitable? Keep safe, your own safety is most important. The safety of those around you. You may have to plan for children, elderly or disabled. Check with neighbours; consider how to look after pets. To minimise damage can you safely move more expensive, electrical or sentimental items upstairs or higher in the property. If there is time, move your home or fleet vehicles safely to higher ground. Turn off gas and electricity supplies & water supplies before you leave a property.

What if you are flooded..

Call your insurers as soon as you are able to do safely do so. Most have emergency and out of hours numbers they can talk you through what to do next. Be careful when returning to a property, it may be damaged or have hidden dangers, especially if there is still flood water in it. Do not drink the water or use the gas or electricity until you have been advised by an expert that it is safe to do so. Take pictures of the damage to property. Remember it can take weeks to dry out a property following a flood, your insurers may find you alternative accommodation check your policy for this cover. This really is a very brief overview, for further information feel free to contact our office 0845 270 6720 or email