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How to keep records that support claims.
Risk

The Records You Will Wish You Had

Gerald Ntumba-WhitlockUpdated on October 6, 2026October 6, 2026

I remember standing in a living room in Surrey back in ’94, the air thick with the acrid, heavy scent …

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How employers liability is required legal guide.
Insurance

Employers Liability Is a Legal Requirement

Gerald Ntumba-WhitlockUpdated on October 6, 2026October 6, 2026

I remember standing in a cramped, grease-slicked workshop ten years ago, listening to a business owner explain why he thought …

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How third party claims against you proceed.
Claims

When Someone Claims Against Your Policy

Gerald Ntumba-WhitlockUpdated on October 3, 2026October 3, 2026

I remember standing in a half-flooded living room back in ’94, watching a homeowner stare blankly at a solicitor’s letter …

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Complete guide to critical illness cover ebook.
Guides

The Complete Guide to Critical Illness Cover

Gerald Ntumba-Whitlock October 2, 2026October 2, 2026

I remember sitting in a sun-drenched living room three years ago, listening to a man explain how much he’d “saved” …

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Explaining how health insurance works via moratorium.
Cover

Moratorium Underwriting Explained

Gerald Ntumba-WhitlockUpdated on October 2, 2026October 2, 2026

I remember standing in a flooded basement back in ’94, the smell of damp drywall thick in the air, listening …

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How pre existing conditions affect pet cover.
Cover

Why You Cannot Switch Pet Insurers Freely

Gerald Ntumba-WhitlockUpdated on September 30, 2026September 30, 2026

I once sat across from a woman in a vet’s waiting room who was convinced her golden retriever’s sudden hip …

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How liability claims are defended at scenes.
Claims

Never Admit Liability at the Scene

Gerald Ntumba-Whitlock September 30, 2026September 30, 2026

I remember standing in a half-flooded warehouse back in ’94, the smell of damp drywall thick in the air, listening …

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How wear and tear exclusions apply.
Risk

The Line Between Damage and Deterioration

Gerald Ntumba-WhitlockUpdated on September 29, 2026September 29, 2026

I remember standing in a damp basement in Surrey back in ’94, the smell of mildew thick enough to taste, …

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Complete guide to income protection book cover.
Guides

The Complete Guide to Income Protection

Gerald Ntumba-WhitlockUpdated on October 5, 2026September 28, 2026

I once sat across from a man in a damp, half-finished kitchen who had spent years paying premiums for a …

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Explaining how public liability cover works.
Insurance

Public Liability and What Triggers It

Gerald Ntumba-WhitlockUpdated on September 28, 2026September 28, 2026

I remember standing in a half-finished showroom back in ’94, the smell of sawdust thick in the air and the …

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