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Gerald Ntumba-Whitlock

Insurance is a contract that most people buy on price and read after a disaster. I spent thirty-seven years on the other side of that, and I can tell you which exclusions actually get used, why underinsurance quietly halves your payout, and what a claim looks like from the moment you report it. I am not here to tell you insurers are villains or saints. I am here to tell you what the wording says before you need it to say something else.
Showing 10 of 165 Results
Understanding how comparison sites work.
Insurance

What Comparison Sites Do Not Compare

Gerald Ntumba-Whitlock April 15, 2026April 15, 202611 min read

I remember standing in a damp, half-ruined living room in Bristol back in ’94, looking at a homeowner who had …

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How subsidence history affects cover for houses.
Cover

Buying a House With a Subsidence History

Gerald Ntumba-Whitlock April 13, 2026April 13, 202612 min read

I remember standing in a damp, drafty hallway in a semi-detached in Surrey back in ’94, watching a homeowner point …

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Complete guide to landlord insurance book cover.
Guides

The Complete Guide to Landlord Insurance

Gerald Ntumba-WhitlockUpdated on August 20, 2026April 13, 202611 min read

I remember standing in a semi-basement flat in South London back in ’94, the air thick with the smell of …

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How to appeal a declined claim process.
Claims

Making the Insurer Justify a Decline

Gerald Ntumba-Whitlock April 13, 2026April 13, 202611 min read

I remember standing in a flooded semi-detached in Surrey back in ’94, the smell of damp plasterboard heavy in the …

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How supply chain risk is assessed map.
Risk

Mapping Your Single Points of Failure

Gerald Ntumba-WhitlockUpdated on August 20, 2026April 9, 202612 min read

I remember standing in a partially collapsed warehouse in the Midlands back in ’94, smelling the damp rot and the …

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How to challenge a low offer in writing.
Claims

Rejecting an Offer in Writing

Gerald Ntumba-Whitlock April 8, 2026April 8, 202612 min read

I remember standing in a half-submerged living room in Surrey back in ’98, the smell of damp plaster thick enough …

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Complete guide to contents valuation book cover.
Guides

The Complete Guide to Valuing Contents

Gerald Ntumba-WhitlockUpdated on August 20, 2026April 7, 202611 min read

I once stood in a living room in Surrey that smelled of charred oak and wet ash, looking at a …

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How to test a continuity plan tabletop.
Risk

Running a Tabletop Exercise

Gerald Ntumba-Whitlock April 6, 2026April 6, 202612 min read

I remember standing in a flooded warehouse back in ’98, the smell of stagnant water and ruined drywall thick in …

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How direct and broker buying compare infographic
Insurance

Buying Direct Versus Buying Advised

Gerald Ntumba-Whitlock April 5, 2026April 5, 20269 min read

I remember standing in a half-submerged living room in Surrey back in ’98, looking at a gentleman who had spent …

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How flood risk affects cover options.
Cover

Getting Cover in a Flood Risk Area

Gerald Ntumba-Whitlock April 4, 2026April 4, 202611 min read

I remember standing in a semi-submerged living room in Gloucestershire back in ’98, the smell of silt and damp wallpaper …

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