8


FUW INSURANCE SERVICES L TD


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Withacombined 36 yea ns, who sta


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ehind the scenes to meet themb t theira


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rs of experience,Melony Richa nce Services ship‐sha vera


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reer with the FUWalmost pe in Pemb otha


rokeshire. nd find


Melony Richards is the FUWInsurance Services Account Executive for Pembrokeshire and has worked for the union for nearly 1 8 years. She looks after a portfolio of insurance customers and generates quotes for


new clients, as well as providing various quotes for current customers, negotiates on renewals and carries out other day‐to‐day work as necessary whilst working closely with Dewi in the office in Haverfordwest. Melony tries to be in the office for two days aweek, dependant on farm/client


visits. The remainder of her time is spent working from the home office She says: “Sometimes my day starts at 6 .3 0am, if I’m working from home.


When I’m in the office I start around 8 .3 0 ‐9am and usually manage to finish by 5pm but at home it is usually later. “My average day will have me dealing with a host of different things such as


phone calls, dealing with customers, obtaining quotes, negotiating insurance renewals, and answering queries i.e. changes of vehicles, claims issues and making changes to current policies.” It’s not just the day‐to‐day job that keepsMelony entertained and on her toes


at work. People she says, definitely add a splash of colour to her day. “People are the most interesting aspect of the job. There are so many


colourful characters. I have learned so much, especially from the older generation. You get to know the customers and their families so well and I have experienced strange and wonderful things in this job. One day, I will write a book!” What does it take to be an account executive though? “You need to be a good


listener, be openminded and be able to put yourself in your clients shoes. There is always something to do, it’s a never ending job and on no day can you say at 5 o’clock that’s it I’m finished. That hasn’t happened in nearly 1 8 years ‐ it’s always ongoing. Sometimes it’s challenging but the people make it worthwhile. I am very lucky to be able to say that I love my job,” she says. At home, near Hermon, she lives with her 2 0 ‐year‐old son and she counts herself fortunate to live near where she was brought up


and close to her family and friends.When Melony is not at work, she is a trustee at the local community centre, where she is also on the events committee arranging various events throughout the year. Having started her working life as a travel agent she enjoys arranging holidays for friends and family, all over the world ‐ she will be visiting the Grand National and Las Vegas herself this year! She likes to catch upwith friends, reading and enjoys days and evenings out.


Dewi Evans is the FUW Insurance


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Landowners with NOW!!


M D AIR SERVICES Tel: Hereford (01432) 890622


Services


Account Handler for Pembrokeshire and has worked for the union for 1 8 years. Before joining the


FUW team Dewi worked at NatWest bank for 2 4 years and then for a short period for Ceredigion County Council. Travelling in from


Cardigan every day, Dewi’s day in the office starts at 9am. “On dry days I take the train these days and walk from the station to the office


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Haverfordwest, where I work withMelony. “In my role as an


account handler I’m responsible for creating a professional experience for new and existing customers, providing administrative support to the Insurance Account Executive, handling all incoming enquiries, as well as being the first port of call for customers.” He also facilitates the smooth running of the insurance operation in the county and


deals with claims registration and reporting. Dewi further deals with Regulatory and governance and compliance requirements


(e.g. FCA, TCF, Insurance Act 2 0 1 5 , SoDaN, Financial Sanctions Check & DPA) and needs to fully understand and document the clients’ needs and make recommendations accordingly. On a regular basis he turns customer requests and needs into correct tailor‐made


policy covers, issues cover notes and amends customer policy schedules. Speaking about the job, he said: “I enjoymywork. The people and customers Iwork


with make it very interesting.” When Dewi is not at work he enjoys spending time with his children, swimming,


walking, nature, reading newspapers and keeping up to date with the farming news. He has been the treasurer of the ‘Cylch Cinio Teifi’, aWelsh dinner club in Cardigan, for a number of years.


Do you have an insurance related question? Ask FUWIS Account Executive Dafydd - he’s here to help


Wha


t does Driving Other VehiclesMea myMotor Ca


r certifica


n on te?


The extension covers the policyholder only and does not apply to any other named drivers on the policy and the cover provided is third party only, meaning any damage caused by the driver to the vehicle they are travelling in is not covered. This only applies to Motor Cars and must be clearly stated on the certificate of insurance. Driving Other Vehicles is only supposed to be used in an emergency and is not intended as universal cover for any vehicle. The driving other vehicles extension will never apply on policies in joint names or company names. It is important to note the other vehicle should already be insured elsewhere. It does not cover Commercial or Agricultural vehicles.


who is responsible if my sheep stra the roa


a ccident. Surely I ca


d or nea y propertya nnotb


I don’t own the ga


I send my sheep on winter keep toaFa ke them there, I ha rb


nd ca rm


in Shropshire. I check the fencing when I ta


ve often wondered y on to usea


e responsiblea tes or Fencing ?


n s


Yes, you are strictly liable as owner of the animals (sheep) at all times while they are in your ownership even if you have not been legally negligent, hence the importance of Public liability insurance if you find yourself in an unfortunate situation with your animals straying. You should notify your insurer of the location of the animals. The landowner of the winter keep farmMAY also be jointly liable as the animals are in his custody and control, but that does not exclude you from any liability.


I Ha ve sta


income, do I need sepa te Public Lia insura


contra ncea


s wella s my Fa


rted to do some lig ht Ag ricultural cting to supplement the fa ra


rm rm insura


bility nce?


Yes, you will need the extra cover.Without knowing the full details regarding turn over and the exact nature of the contracting, it is usually possible to add the extra Public Liability cover to your existing Farm insurance as a diversification. Your policy ‘business description’ must reflect all your business activities. I recommend that you contact your insurance account executive to discuss this and he/she will advise accordingly.


All the above are gu idelines, contact you r FUW Insu rance Agent for a more in‐depth answers.


Send me your questions: ytir@fuw.org.uk


or via post to: FUWIS, 1 5 Watling


Street, Llanrwst, Sir Conwy, LL2 6 0 LS by April 1 8


Wewi somemaynotbepri


lltrytoanswerallquesti ntedunti


onsbutdependi lthefollowi


ngmonthsi


ngonspace ssue


Y TIR DearDafydd


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