Covernotes - Summer 2013

(file size: 2.44MB)


 Insurance Matters - Summer 2013

(file size: 788KB)

Insurance Matters A/W 2012

Insurance Matters A/W 2012

(file size: 678KB)



Covernotes Winter 2012

Covernotes Winter 2012

(file size: 1.65MB)


Market Overview and Outlook 2013

(file size: 2.MB)

Market Overview and Outlook 2013


Covernotes Summer 2012

Covernotes Summer 2012

(file size: 2.51MB)


Inside this issue: That sinking feeling, Stress in the work place, Motor Fleet claims tips, Getting upto speed, Cyber crime and

Fee For Intervention (FFI)


Insurance Matters: Spring and Summer 2012


Insurance Matters - Spring/Summer 2012

(file size: 650KB)


Inside this issue: Olym-Pick Pocketers, La con duite en France, Ensure your day goes without a hitch!, Changes to driving licence rules in Great Britain and Home Security.


Covernotes Spring 2012

Covernotes Spring - 2012

(file size: 2MB)


Inside this issue: 2012 Corporate Hospitality, Credit Insurance, Directors' Risks, Product Recall, Motor Fleet and Plant & Farm Theft

Winter weather precautions!

Winter can bring with it troublesome times for people, no matter if you are a homeowner, tenant (private or commercial property) or a business who operates all year round.

Have a look at our hints and tips to make sure your Winter is not spoilt by the damage it can bring.


Household/Residential Property Owners or Commercial Policies


Please click here for the latest information from the Home Office

If you are unsure above the cover provided by your policy for this risk please contact us for clarification

Corner Cutting Fears

Whilst many businesses need to control costs to survive, this year there is real concern that organisations will also cut corners, leading to an unsafe working environment.


Click here to read more

Motoring your way out of the recession


Managing work-related vehicle risks can be of great benefit to yourbusiness and can help you save money. We examine the changing nature of motor fleet risks and how the recession may impact on them, with tips on how to best manage the risks:


Click here to read more

Insurance Times

BBC News

Yesterday 9:43 pm (5 hours ago)
At least one person is dead and another injured after Virgin Galactic's SpaceShipTwo space tourism craft crashes in California.
12:43 am (an hour ago)
The use of police cautions - where those who commit minor offences are given a formal warning - is set to be scrapped in England and Wales.
Yesterday 9:58 pm (4 hours ago)
Ed Miliband says that Labour would replace the House of Lords with an elected senate if the party won the general election in May 2015.
Yesterday 9:28 pm (5 hours ago)
Iraqi Kurdish Peshmerga fighters cross the Turkish border to help defend the Syrian town of Kobane from Islamic State militants.
1:24 am (53 minutes ago)
The Foreign Office warns British travellers they could be targeted by terrorists seeking revenge for UK air strikes against Islamic State militants.
Yesterday 9:58 pm (4 hours ago)
Fiona Woolf is to step down as the head of an inquiry into historic child sex abuse, she has told the BBC.
Yesterday 5:28 pm (9 hours ago)
This year's Halloween is the warmest on record in the UK, with temperatures reaching as high as 23.5C, breaking the previous record of 20C.
Yesterday 8:17 pm (6 hours ago)
Firefighters across England begin a four-day strike in a row over pensions during one of the service's busiest weekends of the year.
2:14 am (3 minutes ago)
Burkina Faso's President Blaise Compaore resigns following violent protests, with army chief Honore Traore taking over as head of state.
Yesterday 9:46 pm (5 hours ago)
A man dies after being shot at a food store in Manchester, which prompts a murder investigation by police.
Yesterday 8:23 pm (6 hours ago)
A judge in the US has ruled in favour of a nurse fighting a state quarantine order issued because she treated Ebola patients in West Africa.
1:56 am (21 minutes ago)
A study by Cancer Research UK reveals black and South Asian ethnic groups in England are less aware of cancer symptoms than people with white backgrounds.
Yesterday 10:35 pm (4 hours ago)
The Prince of Wales and Duchess of Cornwall complete the final day of their tour of Colombia with a visit to the walled city of Cartagena.
Yesterday 5:57 pm (8 hours ago)
Fiona Woolf resigns as chair of the child abuse inquiry
1:18 am (59 minutes ago)
Sir Robin Knox-Johnston, the Briton who in the 1960s became the first person to sail round the world on his own without stopping, is about to return to ocean racing at the age of 75.
1:38 am (39 minutes ago)
The BBC's Lucas de Jong found one place in Singapore where interior designer Terry Goh has spent seven years making Hello Kitty the centre of attention.
Yesterday 7:15 pm (7 hours ago)
The inspiration behind one of the world's best loved children's stories has been told in the run-up to its 100-year anniversary.
Yesterday, 12:02 am
A young fashion designer from London has decided to mark Remembrance Day by creating a special "poppy hijab" for Muslim women.
Yesterday 7:57 am (18 hours ago)
It's Halloween and nowhere is it celebrated more than in the US. The BBC Pop Up team went behind the scenes at one of America's scariest haunted houses in Baton Rouge.
Yesterday 9:44 am (17 hours ago)
It has been 60 years since the animated adaptation of George Orwell's 'Animal Farm' - the first British animated film.
1:14 am (an hour ago)
In the age of "binge-watching" programmes, a US podcast series is gripping audiences around the world who are hooked on its weekly instalments.
Yesterday 9:27 pm (5 hours ago)
The SpaceShipTwo crash is a tragedy that will prompt serious reflection but commercial space ventures are unlikely to be deterred, the BBC's Jonathan Amos says.
Yesterday, 1:12 am
The UK has signed up to limited strategic military action in Iraq against Islamic State - and there are questions over its ability to do much more, says Jonathan Marcus.
Yesterday 1:09 pm (13 hours ago)
People may not like paying tax. But what is even less popular is the thought they have no choice while others have much more control over their tax bill, says the BBC's Sebastian Chrispin.
Yesterday, 1:18 am
It has been one year since TV cameras started rolling in the Court of Appeal. But what has happened since? Legal Correspondent Clive Coleman investigates.
Yesterday, 1:19 am
As peace talks between the Colombian government and Farc rebels enter their third year, Vanessa Buschschluter asks what a peaceful Colombia would look like.
Thursday, 2:17 pm
BBC News looks at how the battle against Ebola has become a political football - in 60 seconds.
Yesterday 10:35 pm (4 hours ago)
The test flight crash of Virgin Galactic's SpaceShipTwo space tourism craft and Fiona Woolf's resignation as abuse inquiry head make headlines.
Yesterday 5:36 am (21 hours ago)
A fashion designer from London creates a 'poppy hijab' to commemorate the centenary of the first Muslim soldier being awarded the Victoria Cross and to give Muslim women a new way to mark Remembrance Day.
Yesterday 12:07 pm (14 hours ago)
A musical version of the hit 2002 British comedy film Bend It Like Beckham is to open in the West End next year.
Yesterday 8:34 pm (6 hours ago)
Andy Murray's 11-match winning run comes to an end with defeat by Novak Djokovic in the Paris Masters quarter-finals.
Yesterday 9:13 pm (5 hours ago)
Lewis Hamilton narrowly edges Mercedes team-mate and title rival Nico Rosberg to fastest time in second practice at the US Grand Prix.
Yesterday 11:30 pm (3 hours ago)
Arsenal boss Arsene Wenger says the decline of street football means Europe struggles to produce players like Alexis Sanchez.
Yesterday 11:51 pm (2 hours ago)
Liverpool boss Brendan Rodgers is paying the price for not investing in his backroom staff, says Rene Meulensteen.
Yesterday 10:36 pm (4 hours ago)
Leaders Ospreys maintain their 100% start to the Pro12 season with a 26-11 win over Connacht at the Liberty Stadium.
Yesterday 5:10 pm (9 hours ago)
British banks may have to hold more funds to guard against the risk of a future economic downturn, the Bank of England has proposed.
Yesterday 5:19 pm (9 hours ago)
A day in the life of Ismael Diabate, an economic migrant stranded in the Moroccan capital of Rabat.
Yesterday 9:02 pm (5 hours ago)
Labour's Alan Billings wins the by-election for the Police and Crime Commissioner for South Yorkshire, following the resignation of Shaun Wright.
Yesterday 10:37 pm (4 hours ago)
A poll for the BBC has found only one in five of those asked think the Westminster Parliament acts in their best interests, and as few as one in eight think the European Parliament does.
Yesterday, 12:10 am
Alcohol should have a calorie content label in order to reduce obesity, according to public health doctors.
Thursday, 8:12 am
The Liberal Democrat minister responsible for tackling drug use, Norman Baker, says the government should look at drug abuse as a health issue.
Yesterday 2:50 pm (11 hours ago)
Ofsted is unlikely to win any popularity contests, the chief inspector has admitted in a speech.
Yesterday 10:26 am (16 hours ago)
Popular teaching practices "harmful to students' learning".
Thursday, 4:52 pm
Pirate Bay co-founder Gottfrid Warg sentenced to three-and-half years in prison after being found guilty of hacking into Danish computers.
Yesterday 2:21 pm (12 hours ago)
Why flying drones in restricted airspace could land you in prison, plus other technology news
Yesterday 12:22 pm (14 hours ago)
A team has developed micro-sized rockets, powered by seawater, that can neutralise chemical and biological weapons.
Wednesday, 3:05 pm
A 39,000 year-old baby mammoth named Yuka has been put in display in central Moscow making it the best preserved mammoth in palaeontology.
Yesterday 3:27 pm (11 hours ago)
The BBC's Head of TV refuses to make a formal apology over a Top Gear special filmed in Argentina, after demands from the country's ambassador to the UK.
1:14 am (an hour ago)
In the age of "binge-watching" programmes, a US podcast series is gripping audiences around the world who are hooked on its weekly instalments.
Yesterday 6:36 pm (8 hours ago)
Switzerland's history of child labour, a father's Afghan odyssey, and the people who follow Jediism.
Yesterday 3:33 pm (11 hours ago)
Bottles of whisky have been removed from shops for containing high levels of antifreeze ingredient propylene glycol. How often is it used?
Yesterday 6:09 pm (8 hours ago)
Two bodies are found in the wreckage of a blaze at a fireworks warehouse in Stafford.
Yesterday 3:59 pm (10 hours ago)
The neighbour of a family of four found dead in their Bradford home says he sees the father's body every time he tries to sleep.
Yesterday 7:03 pm (7 hours ago)
Recent opinion polls prove it is wrong to exclude the SNP from nationally-televised general election debates, the party's leader in waiting says.
12:42 am (an hour ago)
The conservation charity WWF Scotland cautions against moves to scrap Air Passenger Duty for departures from Scotland.
Yesterday 6:34 pm (8 hours ago)
A lawyer says MaĆ­ria Cahill wrote to the IRA complaining her allegation of rape had not been investigated thoroughly enough. Ms Cahill says her letter has been misrepresented.
Yesterday 5:17 pm (9 hours ago)
A 41-year-old man pleads guilty to the unlawful killing of pensioner Bertie Acheson, 72, in his Coleraine home in April 2012.
Yesterday 5:32 pm (9 hours ago)
A pay-off for Pembrokeshire council chief executive Bryn Parry-Jones is set to go ahead after an opposition bid to block it through the courts fails.
Yesterday 9:25 pm (5 hours ago)
Three people are held on suspicion of murder after the unexplained death of a man in Pembroke Dock, say police.
1:38 am (39 minutes ago)
Militant group Boko Haram denies claims by Nigeria's government that it has agreed to a ceasefire and will release 219 abducted girls.
Yesterday 6:31 pm (8 hours ago)
UN chief Ban Ki-moon says discrimination against humanitarian workers who return home from the Ebola crisis in West Africa is "unacceptable".
Yesterday 3:06 pm (11 hours ago)
Myanmar's president holds rare roundtable talks with the opposition, military and ethnic groups, as the US calls for "credible" elections next year.
Yesterday 8:40 am (18 hours ago)
Two children whose father was on Malaysian Airlines flight MH370 which disappeared file a lawsuit against the airline and Malaysia's government.
Yesterday 6:45 pm (8 hours ago)
The EU is to launch a limited operation in the Mediterranean to help Italy stem the flow of migrants from North Africa.
Yesterday 12:57 pm (13 hours ago)
Hungary shelves a proposed tax on internet data traffic after tens of thousands of Hungarians marched against it.
1:45 am (32 minutes ago)
The Uruguayan government announces the start of registration for licensed cannabis growers as part of its plan to legalise the drug.
Thursday, 9:43 pm
Colombia's Farc rebel group acknowledges for the first time that its actions in Latin America's longest internal conflict "affected civilians".
Yesterday 3:34 pm (11 hours ago)
Israel reopens a key Jerusalem holy site after its temporary closure following the shooting of a prominent Jewish activist.
Yesterday 11:29 am (15 hours ago)
Scores of bodies of Sunni Muslim tribesmen apparently killed by Islamic State militants are found in mass graves in western Iraq.
Yesterday 9:55 pm (4 hours ago)
The Dow and S&P 500 close at record levels, helped by a surprise move by the Bank of Japan to boost its stimulus measures.
Yesterday 3:58 pm (10 hours ago)
Local residents jeer and shout abuse at a Pennsylvania man accused of killing a police officer and eluding authorities on a weeks-long manhunt.
Thursday, 3:25 pm
24 hours of news images: 30 October
Wednesday, 12:07 pm
24 hours of news images: 29 October
Tuesday, 7:03 pm
24 hours of news images: 28 October
Monday, 12:44 pm
Costumes on show at a former prison
Monday, 2:59 pm
24 hours of news images: 27 October
Friday, October 24th, 11:02 am
Top news images from 18-24 October
Thursday, October 23rd, 4:36 pm
24 hours of news images: 23 October
Thursday, October 23rd, 11:11 am
Readers' photos on the theme of "steps"
Thursday, 10:03 am
The committee questions the UK Commissioner-designate Lord Hill
Yesterday 3:39 pm (11 hours ago)
Alcohol should have a calorie content label in order to reduce obesity, according to public health doctors.
Yesterday 12:23 pm (14 hours ago)
A breeder in China's Chendgu province was trying to give these two baby pandas medicine instead of their usual bamboo leaves- and they were having none of it.
Yesterday 6:47 am (20 hours ago)
Unmanned aircraft have been seen flying over many of France's nuclear stations and the authorities don't know where they have come from.
Yesterday 6:32 am (20 hours ago)
The BBC's Anne Soy reports from Ghana, where health care workers in one hospital serving Liberian refugees have had to use rain coats instead of proper protective gear against Ebola.
Yesterday 10:32 pm (4 hours ago)
A junior doctor working in paediatrics has admitted online child grooming and sexually abusing boys as young as 12.
Yesterday 7:07 am (19 hours ago)
Burkina Faso's President Blaise Compaore says he will stay in power for a year under a transitional government, following a day of violent protests demanding his resignation.
Thursday, 7:01 pm
Prince Harry meets supporters of the British Legion's London Poppy Day Appeal at Buckingham Palace.
Yesterday 6:57 am (19 hours ago)
Alcohol should have a calorie content label in order to reduce obesity, according to public health doctors.
Yesterday 11:59 pm (2 hours ago)
The official whose over-familiar letters infuriated his boss
12:00 am (2 hours ago)
Why do wives take a man's name after marriage?
Yesterday 5:38 pm (9 hours ago)
Scratching really does make things itch, and other nuggets
12:01 am (2 hours ago)
Are Corsica's days of mafia and militants over?
12:01 am (2 hours ago)
Zebra crossings to bus stations: unusual listed buildings
12:05 am (2 hours ago)
Movember turns its attention to men's mental health
12:41 am (an hour ago)
Relatives of those killed in Britain's first naval defeat of World War One pay tribute in Chile
12:32 am (an hour ago)
The blind maestro leading an all-blind orchestra
Yesterday 5:59 pm (8 hours ago)
The week in numbers with our Go Figure images
Yesterday 11:19 pm (3 hours ago)
The students educated in British schools but denied student loans


Welcome to David Roberts & Partners Insurance Brokers Ltd.

We manage the insurance needs of thousands of diverse businesses across the North West from sole traders to PLCs. We recognise that every business is different and provide a tailored solution and service for each of our clients.


We also provide a full range of personal insurance services and can arrange cost effective protection for your home and car in addition to travel and pet insurance. 

You'll find useful topical comment and insight into how you can resolve the issues that may impact on your business through our regularly updated News section. 


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