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The way which insurers calculate the costs associated with an insurance policy can be a complicated process due to several factors, factors which impact these decisions and heavily influence the level of risk determined to be associated with any one policy. An insurer must assess the level of risk involved accurately, to ensure they can…
The government is consulting on new measures to boost British organisations’ cyber-security following recent high-profile attacks. If passed, the measures will see more organisations follow stricter cyber-security duties, with large fines for non-compliance. Increased Cyber-attacks Cyber-attacks are on the rise. A recent cyber-attack on Microsoft Exchange Servers saw attackers gain access to user emails, passwords…
The National Cyber Security Centre (NCSC) defines social engineering as ‘manipulating people into carrying out specific actions, or divulging information, that’s of use to an attacker’. In other words, social engineering consists of cyber-criminals convincing victims to make a mistake and compromise themselves. With many employees working remotely during the coronavirus pandemic, cyber-criminals have increased…
The COVID-19 pandemic has affected all organisations however, many small independently owned businesses have struggled more than others. The long-lasting lockdown closures forced many small businesses to shut down entirely. Unfortunately, those who have made it through are not in the clear yet either. Many are now reliant on their local and loyal customers to…
Clean Air Zones Many major cities are now introducing Clean Air Zones (CAZ) following The Governments plans to address climate change. This could have implications for the motor trade as demand for different cars may change. CAZ will operate by implementing a charge, either per day or per journey, for any non-low emission vehicle. This…
Having a classic car is great for many reasons and we understand that getting the right insurance is important too. Your insurance is actually likely to be cheaper if you have a classic car than if you were insuring a brand new one! However, understanding which insurance you need isn’t always straight forward. As classic…
Friday 15th January The Supreme Court upheld the judgement on the Financial Conduct Authority’s business interruption test case. Please refer FCA website link : Supreme Court judgment in FCA’s business interruption insurance test case | FCA Whilst we welcome the Supreme Court judgement in favour of the FCA and policyholders it does not mean that all Covid…
