Author: Rebecca Haynes

property underinsurance and average clause
Business Insurance

What is Property Underinsurance and the Average Clause?

Property Underinsurance and ‘The Average Clause’ The primary purpose of property insurance is to provide a safehold when you sustain a loss that you simply cannot afford. However, at Glowsure we often see clients whose property is 70-80% underinsured. A previous client’s property was underinsured by over £1 million. A 2019 report by rebuildcostassessment.com found

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japanese knotweed insurance
Business Insurance

Japanese Knotweed Property Insurance Guide

Japanese Knotweed – a knotty problem for property owners and insurance cover On a bright, sunny day in late March, you step out into your garden. You breathe in the fresh air, take note of the tulips that are finally starting to blossom, the sun’s glare warm and tranquil. You take note of some small,

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why are insurance premiums increasing
Business Insurance

Why Are Insurance Premiums Increasing?

Over the last 12 months, it is likely you have experienced a significant increase in your insurance renewal, whether it’s a personal or commercial insurance policy. In this blog we dive into the reasons why this is happening. Soft and Hard Markets – The Insurance Market Cycle The insurance industry is cyclical, going through periods

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guide to road traffic act and forklifts
Commercial Insurance

The Road Traffic Act and forklift trucks used on private land

Did you know that the Road Traffic Act could apply to forklift trucks even if you’re using it on private land? If you own, manage, lease, or use a forklift truck in connection with your business you may believe that your existing commercial insurance policy will cover you in the event of an accident involving

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3 Important Facts About GDPR

With the deadline just around the corner, we all need to be on top of the GDPR changes and what they mean for our businesses. We’ve put together 3 key facts about GDPR to help you prepare for the upcoming change in the law. What rights does GDPR give an individual and how does this

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What Is The General Data Protection Regulation (GDPR)?

‘The General Data Protection Regulation (GDPR) (Regulation (EU) 2016/679) is a regulation by which the European Parliament, the Council of the European Union and the European Commission intend to strengthen and unify data protection for all individuals within the European Union (EU)’ In the UK at the moment we rely on the Data Protection Act

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Another Day Another Insurance Claim

We decided to take a bit of a different stance on our blog this month – when it comes to insurance claims it can be extremely stressful – we thought we would share a recent experience with you and the outcome we received for our client. 2nd April 2017: Our client notifies us of a

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What Qualifications Should My Tradesman Have?

Simply relying on reputation sometimes isn’t enough when it comes to hiring a tradesman – making sure they are qualified to carry out the job you require should really be your priority. A qualified tradesman will also complete the job to a high standard and meet the required safety regulations. If you are in need

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The Ogden Discount Rate.

The Ogden Discount Rate.  What Does It All Mean? What is the Ogden discount rate? The Ogden discount rate refers to personal injury rates – it makes it easier to calculate future losses in personal injury and fatal accident cases. When a court is looking at compensating an individual and awarding a fair and suitable amount

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