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Insurance

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How rebuild cost differs from market value.
Insurance

Your House Is Insured for What It Costs to Rebuild

Gerald Ntumba-WhitlockUpdated on August 24, 2026August 24, 202611 min read

I remember standing in a gutted semi-detached in Surrey back in ’98, the smell of wet ash and charred timber …

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How to choose life insurance policies wisely.
Insurance

Stop Buying on Price and Start Reading the Fine Print: How to Choose Life Insurance Policies That Actually Pay Out When It Matters Most.

Gerald Ntumba-WhitlockUpdated on September 22, 2026August 21, 20267 min read

Most people approach the question of how to choose life insurance policies by looking at a shiny brochure or a …

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How to set a sum insured correctly.
Insurance

Working Out a Sum Insured Properly

Gerald Ntumba-WhitlockUpdated on August 27, 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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Understanding how auto insurance claims work.
Insurance

The Gap Between Your Policy and Your Payout: What They Don’t Tell You About How Auto Insurance Claims Work

Gerald Ntumba-WhitlockUpdated on September 22, 2026August 13, 20268 min read

I remember standing on a rain-slicked shoulder in mid-November, looking at a crumpled sedan and a driver who was more …

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Understanding the basics of homeowner insurance coverage.
Insurance

Stop Reading the Fine Print After the Fire: What the Basics of Homeowner Insurance Coverage Actually Mean Before the Claim Is Denied.

Gerald Ntumba-WhitlockUpdated on September 22, 2026August 12, 20267 min read

I once stood in a living room that smelled of charred oak and wet soot, watching a man in his …

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Understanding different types of renters insurance.
Insurance

Stop Buying Coverage Based on the Monthly Premium and Start Understanding Different Types of Renters Insurance Before the Fine Print Decides What You’re Actually Worth.

Gerald Ntumba-WhitlockUpdated on September 22, 2026August 12, 20267 min read

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

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How underinsurance is penalised via average clause.
Insurance

The Average Clause Cuts Your Payout

Gerald Ntumba-WhitlockUpdated on August 27, 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-WhitlockUpdated on September 10, 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-WhitlockUpdated on August 27, 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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