Routen Chaplin

15/10/2026

A business flood plan does not need to be complicated.

Start with five areas:
1. People
Who needs to do what, and who needs to be contacted?
2. Premises
Which entrances, stock areas or equipment are most vulnerable?
3. Equipment and data
What could be moved or protected quickly?
4. Suppliers and customers
How would you keep operating or communicate disruption?
5. Recovery
Who would you contact, including your insurer or broker, following a loss?

You cannot control the weather, but you can control how prepared your business is for it.

13/10/2026

Taking your preserved bus to another rally or running day this autumn?
Before setting off, it is worth checking that your insurance still reflects how the vehicle is being used.

Think about:
• Who will be driving
• Where the vehicle will be travelling
• Whether passengers will be carried
• Shows, rallies or running days you are attending
• Where the vehicle will be stored afterwards
• Any changes you have made to the vehicle

Preserved vehicles can have very different uses, which is why the right cover needs to reflect the individual vehicle.

Speak to Routen Chaplin if you would like to review your preserved bus insurance.

08/10/2026

Our latest edition of Covernotes brings together some of the issues worth paying attention to as we head towards winter.

This edition looks at topics including:
• Underinsurance
• Autumn weather risks
• Martyn’s Law
• Changes affecting landlords
• Practical steps businesses can take to strengthen their resilience

The aim is simple: useful insurance and risk information without making it unnecessarily complicated.

Read the Autumn edition of Covernotes on our website: https://www.routenchaplin.co.uk/media-centre/news/autumn-2026-covernotes-available

06/10/2026

The best time to prepare for a storm is before it appears on the forecast.

A few simple checks now could make a big difference when stronger winds and heavy rain arrive.

For businesses, that could mean:
• Checking roofs, gutters and drains
• Securing loose outdoor equipment
• Reviewing vulnerable doors and windows
• Knowing where important documents and equipment are kept
• Making sure emergency contact details are up to date
• Checking your insurance arrangements before you need them

Storm season is not the time to discover that something important has been overlooked.
Take the opportunity to review your preparations now.

03/10/2026

A little piece of London transport history is back on the road today.

Heritage buses dating from the 1950s to the 1970s are running on Route 106 between Finsbury Park and Ash Grove alongside the normal service today.

Preserved vehicles are made to be enjoyed, whether that means rallies, displays, running days or simply getting them back out on the road.

If you own a preserved bus, it is worth making sure your insurance reflects how the vehicle is actually being used.

Enjoy the day if you’re heading out to see them.

15/09/2026

From event season to storage season, has anything changed?

For many preserved bus owners, autumn means fewer rallies, shows and longer journeys, and more time with the vehicle in storage.

That makes it a good opportunity to review how your vehicle will be used over the months ahead.

Consider:

• Will the bus still be driven regularly?
• Has where it is stored changed?
• Will the same people continue to drive it?
• Have your mileage or usage arrangements changed?
• Have you made any changes to the vehicle since arranging your cover?

Your insurance should reflect how your preserved bus is actually being used, not simply how it was being used during the summer show season.

If your circumstances have changed, speak to Routen Chaplin about your preserved bus cover.

09/09/2026

Are last year’s insurance values still accurate today?

For many businesses, sums insured are reviewed at renewal and then left largely unchanged.

But rebuilding, replacement and recovery costs can move much faster than expected.

Inflation, labour availability, supply chain disruption and rising equipment costs can all mean that historic values no longer reflect what it would actually cost to recover from a major loss.

That is where underinsurance can become a problem.

And it is not just about the value of your building. Businesses should also consider:

• Plant, machinery and equipment
• Stock and contents
• Professional fees and debris removal
• Current building regulations
• Business interruption and realistic recovery periods

Underinsurance can be difficult to spot because it often only becomes apparent when you need to make a claim.

Our latest Covernotes article explains why last year’s figure may no longer add up and the practical steps businesses can take.

03/09/2026

Our Autumn 2026 edition of Covernotes is

As businesses head into the final months of the year, changing costs, regulation and seasonal risks are creating new things to think about.

In this edition, we look at four key issues:

Underinsurance: why relying on last year’s figures could leave your business exposed
Martyn’s Law: what businesses need to know, without the legal jargon
Autumn risks: flood, storm, subsidence and preparing for the months ahead
The Renters’ Rights Act: what the changes could mean for landlords and their insurance

Covernotes is designed to make the issues affecting insurance easier to understand and help you identify where a conversation with your broker may be worthwhile.

Read the Autumn edition here: https://www.routenchaplin.co.uk/media-centre/news/autumn-2026-covernotes-available

01/09/2026