Claimants for compensation on road traffic accidents are having to wait for more than a year before being heard in court. The existing backlog in UK courts has only been aggravated by the pandemic, and a UK Insurer has calculated that around £240m worth of current claimant damages have been tied up in the…
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Business Interruption for Charities
Have you considered the potential impact to your charity should disaster strike? Have you considered a fire, flood, or an opportunistic hacker? If not, it might be time you did! Let us take a look at what’s covered under business interruption. What is business interruption insurance? Business interruption insurance provides cover for losses following an…
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Review your charity’s insurance policy
Kick off the New Year making sure your charity is sufficiently covered As the New Year begins, it’s time to make sure your charity is ready for the year ahead. Carrying out an annual charity cover review to ensure that your insurance policies are adequate, suitable and represent value for money, is a clear demonstration…
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Why you should always be checking your vehicles
Why not doing vehicle checks is risky for your drivers and vehicles According to a recent survey, the majority of HGV drivers do not consistently carry out checks. Ensuring daily walkaround checks happen is part of the commitment an HGV fleet operator makes to receive a license, and is an important part of ongoing…
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A breakdown of your charity’s Commercial Combined policy
What does a Commercial Combined policy look like for your charity? As a charity trustee, director or someone with the responsibility of arranging the insurance policies for your charity, it is important to understand the covers in place at the moment and what could be needed. With this blog, I aim to help you along…
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The insurance market is changing
The insurance market is changing… what can you do about it? The insurance market operates in a similar way to many other marketplaces, in that it uses simple supply and demand principles. When there is an over-supply of product (too many insurance companies), prices are driven down; when supply is reduced or demand increases,…
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Brexit – Travelling in Europe in 2021
Travelling in Europe in 2021 The transition period for the UK to leave the EU ends on 31 December 2020. What does this mean for insurance abroad in 2021. Unless an agreement is reached, it is likely there will be a legal requirement to carry a physical document known as a Green Card when…
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Assessing risks when emerging from lockdown
Assessing risks as your charity prepares for the end of England's national lockdown As the end of our second national lockdown comes to an end, it’s important to look at how your organisation assesses its risks. The Health and Safety at work Act 1974 made it necessary for every organisation to think about how they…
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What is phishing and how dangerous can it be to you
In today’s digital world, cybercrime has become a powerful tool for criminals looking to steal data and extort money. The most dangerous of all the cyber attacks is phishing. Phishing at a glance: Phishing is a type of social engineering attack often used to steal user data, including logon credentials and credit card numbers. In…
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Retailers prepare for surge in COVID-19 claims
Socially distanced queues, mandatory face coverings and hand sanitiser upon entry are some of the features of the post-lockdown retail experience, as we move into the recovery phase of the COVID-19 pandemic. While some retail operations have stayed open throughout the pandemic as an essential service, many more have only recently been able to reopen…
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