One of our areas of expertise is in classic vehicles. The definition of “classic” varies according to who you talk to but generally insurers know what is “classic” and what is not. In 2018, the government is changing the MOT test criteria, exempting Vehicles of…

The Financial Ombudsman Service deals with complaints from consumers who think they have been unfairly treated by financial services companies, including insurers. They have noticed an increase in certain complaint types recently and, quite unusually, chose to publish details rather than wait for their annual…

I am very keen on road safety, both professionally and personally, so this report is rather disturbing. Key facts In 2016, out of 1445 fatal crashes in Britain that resulted in one or more deaths, the police recorded 397 incidences of the contributory factor of…

This particular gentleman bought a car insurance policy which was discounted because he accepted fitment of a telematics unit – better know as a “black box”. He then engaged a friend to stage a fake accident but there wasn’t enough damage to suit him so…

We often hear that motor insurance premiums are too high, especially when the car is low value. But it’s not about the car but what you can do with it. A neighbours’ 17-year-old son paid £700 to buy a nice little Peugeot 206. His insurance…

A number of people are planning a street party on 19th May 2018. Where parties are held in public places and particularly where road closures are needed, local councils will require Public Liability insurance to be in place for up to £10,000,000. If you have…

You can clear snow and ice from pavements yourself. It’s unlikely that you’ll be sued or held responsible if someone is injured on a path or pavement if you’ve cleared it carefully. The basic rule of thumb is “is this what a reasonable person would…

Some good quality policies automatically give a seasonal increase in contents sum insured but not all. If you are buying presents for family please do check your insurance. Don’t leave parcels in clear view of the windows and doors. Also, do be careful if you…

Just about every day we are asked if we can “do it a bit cheaper” or “beat the premium I got off the internet”. That always reminds me of a story: A cargo ship was built at considerable expense. On its’ maiden voyage, the engine…

Any suspicion of subsidence strikes fear into the heart of homeowners, and for good reason, as it can mean a substantial repair bill. As long as you don’t neglect the problem, it should be covered by your insurance policy but it’s important not to give the…