It’s another normal day in the office until the fire alarm goes off. Downstairs, waiting for the fire brigade to arrive and watching the smoke curl out from the windows, you suddenly have a terrible thought – what does this mean…
In Mark Weiser’s essay, ‘The Computer for the 21st Century’, he comments: “The most profound technologies are those that disappear. They weave themselves into the fabric of everyday life until they are indistinguishable from it.” This vision is becoming a…
What Is Insurance Premium Tax? Insurance Premium Tax (IPT) is a tax you pay when you take out an insurance policy, similar to the way you pay VAT on shopping. Though there are some exceptions, most people and businesses who…
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?…
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…
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…
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…
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…
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…
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,…
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…
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…