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Understanding how unoccupied property cover works.
Cover

Leaving a Property Empty and the Conditions That Apply

Gerald Ntumba-WhitlockUpdated on August 27, 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 27, 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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How cyber risk should be managed.
Risk

Backups and Training Before Any Policy

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 18, 2026

I’ve spent thirty-seven years looking at the aftermath of disasters, and if there is one thing that makes my blood …

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Explaining how the insurance cycle works.
Insurance

Hard Markets and Soft Markets Explained

Gerald Ntumba-WhitlockUpdated on August 27, 2026March 18, 2026

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

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Explaining how leasehold insurance works.
Cover

Who Insures a Leasehold Flat

Gerald Ntumba-Whitlock March 17, 2026March 17, 2026

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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How claims settlements are calculated in deductions.
Claims

The Deductions Behind the Offer

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 17, 2026

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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Complete guide to home insurance book cover.
Guides

The Complete Guide to Home Insurance

Gerald Ntumba-Whitlock March 16, 2026March 16, 2026

I remember standing in a damp, half-charred living room in Surrey back in ’94, listening to a man sob because …

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See how exaggerating a claim backfires.
Claims

Adding One Invented Item Voids Everything

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 11, 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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