How to Lower Your Motor Insurance Premiums

Motor insurance is a necessity, but it can be expensive. Although the rates for motor insurance premiums continue to tumble, the trend cannot last forever.

Even if rates are falling now, they could rise later. To stay ahead of the curve, consider adopting certain strategies to lower your motor premiums. There are many ways to lower your motor insurance premium—and keep it low—such as the following: (more…)

Beware of Holiday Home Scams

Your dream of spending your holiday in the sun-drenched home you rented could evaporate—along with any money you paid up front.

Several recent stories of consumers losing thousands of pounds to fraudsters via property-booking services reveal a serious lack of consumer protection for anyone renting a holiday home. (more…)

Guard Against Carbon Monoxide

Carbon monoxide, or CO, is a silent killer. It is a colourless, odourless and tasteless toxic gas produced by the incomplete combustion of solid, liquid and gaseous fuels. Any appliances fuelled with gas, oil, kerosene or wood can produce CO, meaning many potential sources of CO are found in your home. CO can quickly accumulate to lethal levels in your home if you neglect to install, maintain or use your appliances properly. (more…)

Are You Guilty of Fronting?

More than two million UK drivers are guilty of fronting, a type of insurance fraud in which motorists try to hide who is actually the main driver of a car, according to recent research. However, fronting is not some inconsequential fib—it has serious consequences. (more…)

Cyber Liability Insurance

As technology becomes increasingly important for successful business operations, the value of a strong Cyber Liability Insurance policy will only continue to grow. The continued rise in the amount of information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. Regulations, such as the Data Protection Act must also be considered, because a loss of sensitive personal information may subject you to fines and sanctions from the Information Commissioner.

In an age where a stolen laptop or hacked account can instantly compromise the personal data of thousands of customers or an ill-advised post on a social media site can be read by hundreds in a matter of minutes, protecting yourself from cyber liabilities is just as important as some of the more traditional exposures businesses account for in their general commercial liability policies. (more…)

Top 10 Threats to Small Businesses

Optimism is the fuel that drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, however, can get a small business owner into trouble. A business plan built solely on the “best case scenario” is like a house of cards—one gust of wind (or fire or wrongful termination legal action) and the entire business can come crashing down. That’s why smart business owners temper their innate optimism with a healthy dose of reality. In other words, they learn to manage risk.

The first step in implementing a comprehensive risk management plan is identifying potential risks. (more…)

High Net Worth Insurance

Owning precious valuables can sometimes be worrisome. On the one hand, possessing unique and expensive objects such as art, jewellery or an expensive home can be a source of pride and imbue you with a sense of distinction. On the other hand, these objects can create additional burdens, constantly requiring security and special consideration.

How can you reconcile these two perceptions? Simple:

Secure your commodities and your peace of mind by purchasing a high net worth insurance policy.

Who Needs It?