Category: General

Employing family members?

Employers’ Liability Insurance is compulsory for all businesses who employ any people (paid or unpaid). But what if your workers are members of your family? Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969, employers are exempt if they are: family businesses, i.e. if all of…

Complaints to the Financial Ombudsman Service

Figures from the Financial Ombudsman Service have revealed that Direct Line Group, via the business name UK Insurance, was the most complained about provider in the first half of 2017. The insurer received 1,447 new general insurance complaints during the period. These complaints exclude PPI. Aviva was the next most…

5 major causes of electrical fires

For all the ways we rely on electricity, we also invite the risk of fire into our properties through everyday use. In no particular order, here are five of the most common causes of electrical fires in homes and small commercial premises. Are you making any of…

Uninsured vehicles on the increase

The Motor Insurers’ Bureau (MIB) has reported an increase in the number of claims made following accidents with uninsured drivers, for the first time in a decade. According to MIB it has seen the number of claims against uninsured drivers reduce by more than 50%…

All-inclusive holidays

There has been a marked rise in claims from British people taking all-inclusive holidays abroad, especially for food-poisoning. A significant number have been identified as fraud. Defrauding an insurance company by making a false claim or inflating the effect of a genuine incident is not…

Want to share your holiday on social media?

From a palm tree-laden Insta-snap to broadcasting your beach beverages on Facebook, we’re all guilty of the occasional ‘holiday brag’ on social media. But holidaymakers are being warned to think twice before pressing ‘post’, to avoid risking their home security and invalidating their insurance. Earlier…

Crime is not paying what it used to

I make no apologies for the fact that the following text was lifted from one of the insurance industry weekly magazines. And, yes, that figure in the first paragraph really is: £25,000,000 per week of claims thwarted by the industry. According to figures from the…

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