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How market value is determined during challenges.
Insurance

Challenging a Market Value Offer

Gerald Ntumba-Whitlock July 26, 2026July 26, 2026

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 escape of water claims are handled.
Claims

Escape of Water and the Drying Period

Gerald Ntumba-WhitlockUpdated on August 27, 2026July 25, 2026

I can still smell the damp, musty rot of that Victorian terrace in South London where I spent three days …

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Complete guide to contractors cover insurance.
Guides

The Complete Guide to Contractors Insurance

Gerald Ntumba-WhitlockUpdated on August 27, 2026July 23, 2026

I once stood in a half-demolished kitchen in Bristol, the air thick with the smell of damp plaster and the …

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How tools and equipment are covered stolen.
Cover

Tools Stolen From a Van Overnight

Gerald Ntumba-WhitlockUpdated on August 27, 2026July 23, 2026

I remember standing in a damp, half-finished workshop in Bristol back in ’94, looking at a van that had been …

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Complete guide to tradespeople insurance book.
Guides

The Complete Guide to Insurance for Trades

Gerald Ntumba-WhitlockUpdated on August 27, 2026July 22, 2026

I remember standing in a half-finished kitchen in Bristol back in ’94, the air thick with the smell of damp …

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How climate change affects insurability risks.
Risk

The Risks Becoming Uninsurable

Gerald Ntumba-WhitlockUpdated on August 20, 2026July 20, 2026

I remember standing in a semi-submerged living room in Surrey back in ’07, the smell of silt and sodden drywall …

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How property damage claims proceed explanation.
Claims

The Four Causes Behind Most Property Claims

Gerald Ntumba-WhitlockUpdated on September 24, 2026July 19, 2026

I can still smell the damp, stagnant water from a burst pipe in a Victorian terrace I visited back in …

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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, 2026

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 goods in transit cover works explanation.
Cover

Goods in Transit and Vehicle Security Conditions

Gerald Ntumba-WhitlockUpdated on August 27, 2026July 16, 2026

I remember standing on the rain-slicked loading bay of a warehouse in Birmingham back in ’94, staring at a crushed …

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Complete guide to directors and officers cover.
Guides

The Complete Guide to Directors and Officers Cover

Gerald Ntumba-Whitlock July 13, 2026July 13, 2026

I remember sitting across from a Managing Director ten years ago, a man who had spent his entire career building …

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