Most of us take our workplaces for granted. We come and go, popping out for lunch or to a meeting, expecting that everything will be the same when we return. But what if something happened to disrupt this smooth flow? As hundreds of workers found out in the City of London in July 2016, the […]

Lost luggage, ice cream van accidents and bus crashes all contributed to more than 130,000 fraudulent claims in 2015 – the equivalent of 2,500 per week. Motor claims were the most common of frauds, according to the figures released by the Association of British Insurers (ABI), totaling 70,000 instances amounting to a value of £800m. […]

Cyber security is an arms race. Just as military equipment from the 1970s would no longer cut it on the battlefield, the defences adopted by businesses as recently as a year ago no longer offer adequate protection. It’s a constant struggle to ensure that security professionals are one step ahead of the hackers. The threat […]

We’re fortunate to have private health insurance as an option in this country, rather than an essential. Fast track appointments, accessible specialist treatments, and flexibility on appointments and visiting times are some of the reasons that people choose to take out private medical insurance. If you’ve been with the same provider for some time, you […]

Picture a weighing scale. On the one side is fear of financial loss, on the other hope of financial gain. Let’s say you have £50,000 which can be invested with equal likelihood of a return of £0 or £100,000 in one year’s time. The amount you stand to lose or gain is equal, so do […]

No sooner had we gotten used to the increased IPT rate of 9.5%, up from the 6% introduced in 2011, do we find that it’s going up again, albeit by less than the 3% predicted. Why does IPT exist? Insurance Premium Tax was introduced in 1994 at a rate of 2.5%. Insurance is exempt from […]

Insurance is one of life’s little inevitabilities for a great many of us, like booking your car in for an MOT, visiting the dentist, or filling out a tax return. It’s one of those things that comes round and round, giving even the most spontaneous people an essential routine that can’t be avoided no matter […]

ADDENDUM (or ENDORSEMENT): This document sets out in writing any agreed alterations to an insurance contract. ADJUSTER: A person who investigates and assesses claims on behalf of insurers ALL RISKS: A type of insurance that covers any accidental loss or damage, unless the cause is specifically excluded from the policy. ASSURANCE: Sometimes used instead of […]

As a new business, you’ll be focused on how you’re going to pack a punch to ensure your name, product and/or service is getting known. But much of your future success is going to rest on the ability to step back as much as push forward, and this is certainly true when it comes to […]

The Rio Olympics are shining a spotlight on the best and most successful athletes in the world as they compete to win Gold medals for themselves and for the country. However it’s not always world records that get shattered, as illustrated by French gymnast Ait Said’s bone-breaking injury. Injuries such as this can spell the […]