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How to set a sum insured correctly.
Insurance

Working Out a Sum Insured Properly

Gerald Ntumba-Whitlock August 19, 2026August 19, 202611 min read

I remember standing in a living room in Surrey back in ’94, the air thick with the smell of charred …

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How underinsurance is penalised via average clause.
Insurance

The Average Clause Cuts Your Payout

Gerald Ntumba-Whitlock August 12, 2026August 12, 202611 min read

I remember standing in a living room in Surrey back in ’94, the smell of charred oak and wet plaster …

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Understanding how reinstatement cover works.
Insurance

New for Old Versus Indemnity

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

I remember standing in a living room in Surrey back in ’98, the smell of charred oak still thick in …

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How market value is determined during challenges.
Insurance

Challenging a Market Value Offer

Gerald Ntumba-Whitlock July 26, 2026July 26, 202611 min read

I remember standing in a living room in Surrey back in ’94, the smell of damp plaster thick in the …

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How insurers assess a total loss decision.
Insurance

The Write-off Decision and the Number Behind It

Gerald Ntumba-Whitlock July 19, 2026July 19, 202612 min read

I remember standing in a living room in mid-July, the air thick with the cloying, heavy scent of charred oak …

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How compensation schemes protect policyholders if insurers fail.
Insurance

What Happens if Your Insurer Fails

Gerald Ntumba-Whitlock July 9, 2026July 9, 202611 min read

I remember standing in a sodden living room in Bristol back in ’94, watching a man realize that the company …

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Learning how to complain about an insurer.
Insurance

A Complaint Letter That Gets a Different Answer

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

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

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Understanding how the financial ombudsman works.
Insurance

Taking a Complaint to the Ombudsman

Gerald Ntumba-Whitlock June 25, 2026June 25, 202611 min read

I remember sitting in a damp living room back in ’94, watching a man stare at a formal rejection letter …

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How insurance intermediaries are regulated check.
Insurance

Checking a Firm Is Actually Authorised

Gerald Ntumba-Whitlock June 20, 2026June 20, 202611 min read

I once sat in a damp, half-ruined living room in Bristol, listening to a man weep because his broker had …

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How auto renewal affects consumers after notice.
Insurance

Auto Renewal and the Notice You Ignored

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

I remember sitting in a drafty living room three years ago, looking at a claim file for a man who …

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