Very few claims are declined because an insurer is being difficult. Most are declined for reasons that were written into the policy from day one and never explained to the policyholder. Non-disclosure Insurance works on the principle of utmost good faith. If something material was not disclosed when the policy was taken out, whether deliberately […]

For employers looking to improve their benefits package without a large cost, group life assurance is usually the best value on the table. What it is Group life pays a lump sum to an employee’s nominated beneficiaries if they die while in service, often expressed as a multiple of annual salary. Most schemes can be […]

Renewal season is when most people discover what their motor policy does not cover. A few minutes of checking now saves a great deal of frustration later. 1. What is your excess, and can you afford it? The excess is the portion of every claim you pay yourself. A low premium usually means a high […]