Approachable Finance has moved offices!

Approachable Finance have recently acquired and moved into a new office – we are now situated on the main street of Cross Hills making it easier than ever to see our clients current and new.

Our new address is: 24 Main Street, Cross Hills BD20 8TF

If you are familiar with the Cross Hills area, then you probably have heard of the very succussful florist, Anne Russell, after 20 years of running the shop she decided it was time to retire and spend more time with family. We bought the shop from her and set about renovating the space into a modern and spacious office. 

The former florist looks different now as we have opened the space by knocking down the central supporting wall and blocking up the door behind. The first picture below was taken before Christmas and the building needed time to 'settle' as the wall had probably been there for over 100 years!

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One of the Top Advisors in the UK!

On  Sunday 25th September we featured in the Mail on Sunday listed as "Britains Top Rated Professionals".

This was in association with us being on a website that allows our clients to review us when we have done some work for them.

If you’re looking for expert advice, look no further.’s Top Rated award has been created to help you to identify the professionals on VouchedFor who have received the highest volume of positive client reviews in the past 18 months such as ourselves

Other Top Rated advisers (including Accountants and Solicitors) included in The Mail on Sunday’s listing are all on VouchedFor’s Professional or Professional Lite plan so can be contacted free of charge through VouchedFor. Many also offer a free initial one hour appointment.

Other criteria for inclusion include a boat load of positive client reviews in the past 18 months. For IFAs and Mortgage Advisers this was 15 (or more)* positive client reviews. For Solicitors and Accountants this was 10 (or more) positive client reviews.

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C Dixon Dip PFS 


Why reviewing your locum insurance IS a priority.

Having worked with practice managers for nearly 9 years in reducing insurance costs I have to admit that I am not envious of the challenges they face running or managing a modern medical practice. I am fortunate to have a good relationship with many who explain to me the different challenges they face, often to meet their budgets in an organisation where the 'goal-posts' are forever changing. One wonders whether this profession is becoming specialist in its own right and I wonder how long it will be before a University recognises this and creates a degree around the vocation?

However the downside of paddling furiously in any organisation is often things that 'roll over' for another year are often the 'small fish' to slip through the net and this is where as a financial professional I am concerned. More often or not a review of Surgery and Locum Insurance is seen as a low priority. Often passed to a part time member of staff or a deputy in a wish to clear desks for the most important areas. However in my opinion this results in false economy for the practice and ultimately the patients.

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Spreading the cost of payments for locum insurance.

We are now offering clients the ability to spread the costs of their insurance payments and locum insurance with Premium Credit Limited (

For25 years Premium Credit Limited has helped businesses and individuals pay for their insurance by spreading the costs over regular instalments, instead of paying the whole premium upfront.

Premium Credit Limited doesn’t just help businesses and individuals spread the cost of their insurance premiums, they also provide the finance to pay annual fees such as professional fees, membership subscriptions, commercial service charges and school fees. Premium Credit Limited has 2 million customers and has achieved advances of £3.7 billion in 2013, processing 25 million Direct Debits.

We are delighted therefore to work with the No.1 Insurance Premium Finance Company in the UK and Ireland.

Chris Dixon BSc (Hons) Dip PFS

Director Approachable Finance (Medical)

Why I love locum insurance.

Working in financial services you are aware that sometimes that we haven't had the best of press with certain financial products! Endowments, with profits, PPI etc. It is therefore a real pleasure to be advising on a product, locum insurance, where it meets the needs of your clients and the market place. It is also a real sense of achievement to help medical practices save money on unecessary insurance costs; money that can be reinvested into patient care and essential staffing needs.

Having advised on locum insurance for nearly 8 years I have seen massive changes within this niche industry. Changes I am glad to say have been for the better. 6 year ago I was working for a company who effectively held the monopoly for this type of cover across the UK. In my opinion the policy was insufficient in the level of cover it gave and its premiums were inflated and unfair. Fortunately pretty soon another large company soon started offering this policy at a much more competitive price and 8 years on there are probably 7 or 8 companies like ourselves offering this to the market place.

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What to Look for When Taking Out Locum Insurance

locum insurance

As a medical professional, you are very aware of the plethora of the related expenses and intricacies of enlisting the services of a Locum Doctor to cover key absences in your Practice. Whether such absences involve GPs or Practice Managers, they can often be unexpected and unplanned for due to accidents, bereavements, or illnesses. Otherwise, anticipated absences such as adoptions, Jury Service and maternity and paternity leave allow you the time and resources to secure suitable absence cover, yet still entail hefty price tags.

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