Rising Costs? Your Insurance Bill Doesn’t Have to Be One
Written by Gillian Mccammon | 01/05/2025
In a climate where energy prices, supplier costs, and wage bills are all climbing, it’s no surprise that SMEs are feeling the squeeze. Business owners across the UK are tightening their belts—but what many don’t realise is that one area still offers significant room for savings: business insurance.
At Vista NW, we work closely with SMEs across Cheshire, Merseyside, and beyond to help them navigate the changing insurance landscape. And right now, we’re seeing something worth shouting about: premium prices across many commercial insurance lines are actually coming down.
Why Are Business Insurance Premiums Falling?
After years of hardening markets and rising premiums post-pandemic, the tide is finally turning. We’re seeing:
- Increased competition between insurers
- Better underwriting conditions
- Fewer large-scale claim events
This combination means more favourable rates—particularly for well-managed, low-risk businesses.
What Does This Mean for Your Business?
It means there’s a real opportunity to review your current insurance programme and potentially make significant savings—without compromising on cover.
If your business has:
- Renewed a policy in the past 6–12 months without shopping around
- Seen consistent year-on-year price increases
- Not reviewed your risk profile with a broker
… then now is the perfect time to act.
Don’t Let Old Policies Cost You More
We understand that insurance isn’t always at the top of your priority list. But when margins are under pressure, every saving counts. A proactive review could free up budget that can be reinvested into your team, tech, or growth.
Why Work With Vista NW?
- We specialise in supporting SMEs with tailored insurance advice
- We’re independent, so we work for you—not the insurer
- We know the local landscape but have national reach
- We’re proactive, not reactive—always looking ahead for your business
Let’s Talk Savings
Think of this as a financial health check for your business insurance. If it’s been a while since your last review, or you’re simply unsure if you're getting good value, let’s chat.
📞 Call us on 01244 662025
📧 Email us at info@vnwl.co.uk
🌐 Or get in touch here: https://vnwl.co.uk/contact
Latest News from Vista...
 (1).png)
Rising Costs? Your Insurance Bill Doesn’t Have to Be One
In a climate where energy prices, supplier costs, and wage bills are all climbing, it’s no surprise that SMEs are feeling the squeeze.
Top Tips for Making Business Insurance Savings in 2025
How SME business owners can protect their business without breaking the bank
Vista North West sponsors Wigan Athletic goalkeeper
Vista North West sponsors Wigan Athletic goalkeeper, Tom Watson
Is AI in Insurance Due Diligence worth the hype?
Is AI used for insurance due diligence really worth the hype or is handling risk something humans just do better?
How to safely dispose of lithium batteries
From smartphones to cameras, lithium batteries power much of our daily life—but what happens when they reach the end of theirs?
Vista NW Claims Support in Action
How Vista North West's quick thinking and spring to action helped prevent major losses for this wholesale/retailer
Are electrical vehicles a greater fire risk than traditional vehicles?
Contrary to popular belief, internal combustion engine (ICE) vehicles are about 20 times more likely to catch fire than EVs
Can burnout be a cyber security risk?
Employee wellbeing has become a key focus for improving productivity, profitability, and talent retention, but its impact on cybersecurity is less recognised.
What’s behind 112 Million Sick Days Taken by Workers Annually?
Last year, 112.5 million sick days were taken by people with long-term health conditions, yet only a third received employer support to return to work.
Important Changes Coming to the Motor Insurance Database
The Motor Insurers’ Bureau (MIB) is transitioning its industry services to a new cloud-based platform named Navigate.
Ten reasons why your business needs cyber insurance
ten reasons why your business needs cyber insurance and how Vista North West can help provide it
The Building Safety Act - deadline 30th September
There are only a few weeks before the 30th of September cut off, for those responsible for the health and safety of high-rise residential buildings, to register and comply with the new Building Safety Act.
Vista North West and Consumer Duty
On 31 July 2023, new Consumer Duty rules came into play in the UK, but what is it exactly and what does it mean for our customers at Vista North West?
Cyber & Data – Working From Home
For many of us, our way of working has changed drastically over the last 2 years, there’s no better time to talk about the importance of data protection protocols and the steps you can take to improve your processes while working from home.
Vista NW celebrates a successful first year of trading
Dan Stockley reflects on a fantastic first year in business
Vista NW appointed as Insurance Broker to Nationwide vehicle delivery business
Vista NW appointed as Insurance Broker to Nationwide vehicle delivery business.
Why are the cost of insurance claims rising?
Our guide to the rising cost of insurance claims and what you can do
Building Underinsurance
Are you completely comfortable that your buildings are suitably insured and not at risk of underinsurance?
