Routen Chaplin

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

26/08/2026

MYTH: Insuring an electric vehicle is basically the same as insuring any other vehicle.

Not always.

The basic principles may be familiar, but EVs can introduce additional considerations for businesses.

Think about:

Charging
Where are the vehicles charged, and has charging equipment been installed at your premises?

Repairs
EVs can require specialist equipment, parts and expertise.

Fleet use
Changing your vehicles may also change their value, use or driver arrangements.

Modifications
Charging infrastructure and other changes to your premises should be properly considered and declared where required.

Moving to electric does not have to make insurance complicated, but your cover should reflect the risks you actually have.

Speak to Routen Chaplin if your business is making the switch.

24/08/2026

Late summer is a great time to get your vintage vehicle back on the road, but a few checks before setting off can help avoid problems on the journey.

Before heading to your next show or rally, check:

• Tyres, brakes and fluid levels
• Lights and indicators
• Battery condition
• Your planned route and breakdown arrangements
• That your insurance reflects how and where the vehicle will be used

Whether it is a treasured classic car, commercial vehicle or something a little more unusual, preparation helps you enjoy the event with fewer surprises.

Need to review your vintage vehicle cover? Speak to the Routen Chaplin team.

22/08/2026

Everyone at Routen Chaplin would like to send a huge congratulations to Louis and Victoria as they celebrate their wedding!

We hope you have an incredible day surrounded by family and friends, and wish you both a lifetime of happiness, laughter and wonderful memories together.

Here’s to the newlyweds! 🥂💐

20/08/2026

Could better health benefits help you keep your best people?

For smaller businesses, competing for talent is not always about salary.

Private Medical Insurance can form part of a wider employee benefits package, helping businesses demonstrate that they are investing in the health and wellbeing of their team.

For employers, it can also contribute to:

• A stronger employee benefits package
• Recruitment and retention conversations
• Supporting staff wellbeing
• Giving employees access to additional healthcare options

For a small business where every member of the team matters, the right benefits package can make a real difference.

Speak to us about the options available for your business.

19/08/2026

Happy Birthday! 🎉

Wishing Gemma a fantastic birthday and a wonderful year ahead, filled with happiness, success and plenty of reasons to celebrate.

We hope you have a brilliant day!

18/08/2026

How you use your vehicle can change over time, so it is worth making sure your insurance still reflects what you are actually doing with it.

Things to consider include:

• How often the vehicle is being used
• Who will be driving it
• Whether passengers will be carried
• Where the vehicle is stored between events
• The types of shows, rallies or journeys you are attending

The right cover starts with your insurer having an accurate picture of how your preserved vehicle is used.

If your plans have changed, speak to the Routen Chaplin team and make sure your cover is keeping up.

14/08/2026

Installing electric vehicle charging points at your workplace?

Remember that the charger is not the only thing your business may need to consider.

You should also review:

• Where vehicles will be charged
• Who can access and use the equipment
• Whether the electrical installation has been professionally completed
• Fire safety and emergency procedures
• Any changes made to the building or car park
• Whether your insurer has been informed

As businesses adopt more electric vehicles, their property, motor and liability risks can change too.

Speak to your broker before making major changes to your vehicles or premises.