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How modifications affect motor cover details.
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Declaring Modifications Before They Matter

Gerald Ntumba-WhitlockUpdated on August 27, 2026May 17, 202612 min read

I remember standing on a gravel driveway in the pouring rain, looking at a perfectly intact BMW that had been …

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Explaining how telematics policies work.
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Black Box Policies and Their Conditions

Gerald Ntumba-Whitlock May 10, 2026May 10, 202612 min read

I remember sitting in a damp semi-detached in Reading back in ’98, looking at a claimant who had just lost …

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How motor insurance levels compare: costs.
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Comprehensive Is Often Cheaper Than Third Party

Gerald Ntumba-WhitlockUpdated on August 27, 2026May 3, 202611 min read

I remember standing on a rain-slicked roadside in 1994, looking at a young man who had just totaled his sedan …

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How non standard construction affects cover thatch.
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Thatch, Timber and the Specialist Market

Gerald Ntumba-Whitlock April 29, 2026April 29, 202612 min read

I remember standing in a damp, half-collapsed bungalow in Kent back in ’94, the smell of rot thick in the …

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Understanding how listed buildings are insured.
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Rebuild Costs for a Listed Property

Gerald Ntumba-WhitlockUpdated on August 27, 2026April 22, 202611 min read

I remember standing in a drafty drawing room in the Cotswolds back in ’94, staring at a water-damaged ceiling that …

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How subsidence history affects cover for houses.
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Buying a House With a Subsidence History

Gerald Ntumba-WhitlockUpdated on August 27, 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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How flood risk affects cover options.
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Getting Cover in a Flood Risk Area

Gerald Ntumba-WhitlockUpdated on August 27, 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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Understanding how holiday home insurance works.
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Insuring a Property You Rarely Visit

Gerald Ntumba-WhitlockUpdated on August 27, 2026March 30, 202612 min read

I remember standing in a coastal cottage three years ago, the air thick with the smell of salt spray and …

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Understanding how unoccupied property cover works.
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Leaving a Property Empty and the Conditions That Apply

Gerald Ntumba-WhitlockUpdated on August 27, 2026March 23, 202612 min read

I remember standing in a hallway in Surrey about twelve years ago, smelling nothing but damp rot and stale air. …

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Explaining how leasehold insurance works.
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Who Insures a Leasehold Flat

Gerald Ntumba-Whitlock March 17, 2026March 17, 202611 min read

I remember standing in a hallway in a mid-rise block in South London, the air thick with the smell of …

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