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Understanding how holiday home insurance works.
Cover

Insuring a Property You Rarely Visit

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 30, 2026

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

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Tips on how to choose a broker.
Insurance

Choosing a Broker on Claims Record, Not Price

Gerald Ntumba-Whitlock March 29, 2026March 29, 2026

I remember standing in a half-charred living room in 1994, the smell of wet soot still heavy in the air, …

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How to negotiate a settlement using quotes.
Claims

Negotiating With Three Independent Quotes

Gerald Ntumba-Whitlock March 27, 2026March 27, 2026

I once stood in a living room that smelled of charred oak and damp drywall, listening to a homeowner shout …

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Complete guide to underinsurance ebook cover.
Guides

The Complete Guide to Underinsurance

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 26, 2026

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

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How business continuity plans are built.
Risk

A Continuity Plan You Have Actually Tested

Gerald Ntumba-Whitlock March 26, 2026March 26, 2026

I once stood in the middle of a commercial warehouse that had been gutted by a burst pipe, watching a …

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How betterment is applied to property upgrades.
Claims

Paying Towards the Upgrade You Did Not Ask for

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 25, 2026

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

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Understanding how unoccupied property cover works.
Cover

Leaving a Property Empty and the Conditions That Apply

Gerald Ntumba-Whitlock March 23, 2026March 23, 2026

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

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Learn how brokers are paid.
Insurance

Ask Your Broker How They Get Paid

Gerald Ntumba-Whitlock March 22, 2026March 22, 2026

I remember standing in a charred living room back in ’94, looking at a policyholder who was convinced his broker …

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How phishing and social engineering work.
Risk

The Invoice Fraud That Bypasses Every Firewall

Gerald Ntumba-Whitlock March 22, 2026March 22, 2026

I spent thirty-seven years walking through the wreckage of claims, and if there is one thing I’ve learned, it’s that …

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Complete guide to sums insured infographic.
Guides

The Complete Guide to Sums Insured

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 21, 2026

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

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