Our latest blog posts are below
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!
A follow up to my 6 December 2013 blog on the HMR&C High Net Worth Unit:
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:
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...
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...
Across the globe:
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...