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The Portcullis Voice

Our latest blog posts are below

Subsidence insurance16-Nov-2014

Delighted to have been published in the Sunday Times - Ask the Expert - 16 November 2014.

I was asked to comment on a reader's subsidence issue - see what you think! 

The insurance expert

Darryl

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Ever wondered what behaviors drive your insurance buying decisions? 18-Jul-2014

We all dislike the annual insurance review. Typically for your average consumer the first reference point will be Price Comparison Websites (PCWs), currently in the news following the FCA thematic review.

What you might not realise, as you key-in your details and are presented with a multitude of offers, is that PCWs rely on a number of buying behaviours to obtain your business, six of which have been identified by the behavioural economists Atticus:

  • Status Quo Bias - no not a prediliction for the aged rockers, but your tendency to do what you've done before, and resistance to change
  • ...

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It might sound strange but have you ever imagined having your own insurance company? 26-Jun-2014

It is probably something you have never considered or never wanted to consider but before you dismiss it out of hand, consider the benefits it can bring!

High net worth individuals, families, trusts and their businesses can now own their own insurance company through the formation of a Captive Insurance Company.

Captives have been used for years as an alternative risk strategy by corporates seeking to insure large complex risks outside of the traditional insurance markets. They benefit from lower insurance premiums, structure capital to generate investment returns, accumulate and...

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Follow the money - Ultra High Net Worth's invest in commercial property26-Mar-2014

Jeremy Waters, Head of International Investment at Knight Frank reported that UHNW clients were looking to diversify their investment portfolios and purchase commercial property, specifically hotels and offices, in the £100m ($167m) bracket, an investment strategy offering yields of between 3.5%-6.5%, with London a primary investment location.

Research carried out by Real Capital Analytics on behalf of Reuters, confirms renewed investor confidence in this sector - globally UHNWs spent $11.2bn on hotels, offices, warehouses and shops, up from $7bn in 2012, with the single biggest deal...

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Global High Net Worth individuals - how many!?31-Jan-2014

Across the globe:

  • We have ~12 million HNW individuals
  • 90% have investable assets of between US$1m and US$5m ( £608k - £3m)
  • Both HNW populations and HNW wealth grew a healthy 10%  in 2011-2012
  • There are 111k individuals, the Ultra HNW, with investable wealth of more than US$30m (£18m) who control more than 35% of HNW wealth estimated at US$46.2 trillion (“In British English, a trillion used to mean a million million million (i.e. 1,000,000,000,000,000,000). Nowadays, it's generally held to be equivalent to a million million (1,000,000,000,000), as it is in...

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Ski Insurance 2 - On the piste?11-Jan-2014

Alcohol taken in moderation and not directly influencing your ability to ski safely is fine, but beware of overindulging and then having or causing an accident.

All insurers include General Exclusions which are restrictions that apply to the whole policy. They are entitled to rely on them and, if appropriate, decline your claim. Personal Accident insurance policies will exclude any claim for your death, injury, illness or disability resulting from you misusing or being under the influence or effect of alcohol and/or drugs.

So, if you are contemplating the consequences of the General...

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