Blog - Insurance Insider

The landscape for private landlords in England is set for a significant shift. The Government has recently launched a campaign to prepare the industry for the implementation of the Renters' Rights Act, which is scheduled to take effect on 1st May 2026 . At Bricks And Motor, we believe it is [...]

Your policy is issued based on a number of standard assumptions about you, your property, and your tenants. These assumptions are not just formalities. They directly affect whether your policy remains valid and whether a future claim would be paid. Common Assumptions Include:- The property is not a listed building or [...]

Advice about you and your company obligations to disclose previous Bankruptcies, Liquidations, CCJ’s, CVA’s, A common question that an Insurance Company normally asks is something along the lines of :- “Have you or those normally living with you (or directors of your business) ever been declared bankrupt or insolvent or a [...]

Navigating the complexities of property insurance can be challenging due to the legal terminology and intricate regulations involved. Terms like "rebuild cost" and "market value" are frequently mentioned, yet they signify distinct concepts. It's essential for homeowners and property owners to grasp these differences to ensure proper insurance coverage. In [...]

A Crucial Element in Protection Insurance is often seen as a safety net, a shield against the unforeseen. Yet, within the intricate world of insurance policies lies a lesser-known clause that can significantly impact policyholders: the Average Clause. Understanding this clause, its implications, and the importance of accurate rebuild cost [...]

Why Full Financial History Disclosure is Crucial? Introduction: In the intricate world of insurance, where policies are designed to provide peace of mind and financial protection, there exists a critical factor that often goes overlooked: full disclosure. The failure to disclose relevant information can lead to policy voidance, leaving individuals [...]

A recent survey has shown that a majority of homeowners feel apprehension over hiring tradesman to carry our repair or maintenance work on their homes. The survey found that 9 out of 10 persons approached experienced concerns over botched jobs and costly bills. Website plentific.com carried out the survey. Over [...]

Andy Haldane, Chief Economist at the Bank of England, has stated during a recent interview with a national newspaper that although pensions should be considered by UK residents to subsidize themselves in old age, investment in property was superior. Mr Haldane justified his viewpoint by talking further about the housing [...]

Taxi insurance client's who hold policies with Enterprise Insurance Company PLC face an uncertain future after the firm announced its insolvency. With Enterprise leaving the taxi insurance market, this will leave UK taxi drivers uncertain about the future of their policies. At present a provisional liquidator has been appointed and [...]

A new report was issued which showed a link between an increase in UK house fires due to the use of counterfeit phone chargers. The dangers of using counterfeit phone chargers are due to manufactures using second rate parts which don't meet the criteria set out under UK safety regulations. [...]