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Chris Townsend: An insurance career spanning the globe

What makes a good leader? For Chris, it’s curiosity, humility and the ability to listen, supported by decisiveness and an abundance of energy. You don’t learn these traits in business school. You learn them from life experiences, or if you are lucky, from role models. His mother, a teacher, had incredible stoicism, a solid set of values and a strong work ethic which she passed on to him. Born in Jerusalem, she had lived in Kenya before she met Chris’s father. The exposure to contrasting cultures and social structures made her unusually grounded and instilled in her a zest for life which Chris has inherited. That realistic outlook hasn’t blunted his ability to envision a better future,...

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Tips to Rectify Your Rejected Insurance Claim, Hollard

If you lodge a claim with your insurance company and it’s rejected, does this mean the end of the road? Not always. Here’s our handy guide for the next steps you can take. 1. Do your research. While it may seem obvious, make sure that what you’re claiming for is covered in your policy document. For example, if your house was burgled but your alarm wasn’t on at the time, your household contents insurance claim may not be valid. 2. Contact your insurance company. If you still feel that your claim was unfairly rejected, contact your insurance company and tell them you’re unhappy. All insurance companies are required by law to have a formal complaints process, so following this process will get...

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Where to Find Surrogacy Insurance,

Surrogacy insurance coverage is a complicated subject. Before surrogacy was a possibility, insurance policies would cover all pregnancies — but, when surrogacy started to become more popular, the rules began to change. Today, there’s no set rule when it comes to surrogacy insurance and whether an insurance company has to cover a surrogate pregnancy. The policies vary from company to company, and it’s important that, whether you’re an intended parent or prospective surrogate, you completely understand what is and is not covered before moving forward. Usually, the issue of insurance for surrogacy is handled during the legal contract stage of your surrogacy process. Your surrogacy professional...

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Common myths around car insurance claims busted -

Knowing how to make a claim is like knowing how to change a tyre – you know it can be done but aren’t quite sure how until you’re forced to deal with it. The claims process can be confusing; full of different facts, figures and stories. So here at Admiral, we like to make sure our customers have all the knowledge they need around making a claim to help make life a little easier.. Every incident is different, but there are loads of myths around the claims procedure we would like to debunk. Here are eight of the most common myths set straight. “It wasn't my fault so I won't have to pay my excess, but if it is my fault, I do.” Your excess is something you never really think about until the day...

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Why will no one insure me?

There can be a number of reasons why your vehicle has been denied by insurance companies. Here we provide the possible explanations as to why you’ve been denied and how you could fix the issue. Unusual car not on Thatcham database The Thatcham database was established in 1969 and was established as a means to reduce the cost of motor insurance and maintaining safety standards. They’re the UK’s only ‘not for profit’ insurer funded research centre and are in contact with law enforcement organisations, automotive bodies, regulators and vehicle manufacturers. If your vehicle does not appear on their database, be it because you have modified it or its an import you may find it tricky to get a...

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Businesses to get some interim relief payments from insurers

Hundreds, possibly thousands, of small businesses operating mainly in the hospitality sector should get at least some financial relief from their insurance companies. This comes after the intervention of two regulatory bodies, the Financial Sector Conduct Authority (FSCA) and the Prudential Authority (PA). Under the agreement announced on Friday, small business claimants will get an interim once-off payment in an effort to help them remain solvent while disputes between the insurance companies and their policyholders over lockdown-related business claims drag slowly through the courts. Interim payments from insurers are not refundable Crucially, these interim payments are non-refundable....

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Brokers News, Articles Campaigns, Hollard

1. Advice When you buy insurance through a broker, you’ll gain access to help and advice about choosing the policy that’s right for your needs. Brokers can point out potential risks you may face and recommend you cover for these, which is something you don’t always get when buying insurance directly from an insurance company. In contrast, buying insurance directly from an insurance company doesn’t offer you as much personalised service, but if you already know what you want then this may be the way to go. Which option you choose will depend on how much you know about insurance. If you have enough experience and knowledge, going directly through an insurance company can work well for you....

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Insurance - Contract law, Britannica

In general, an insurance contract must meet four conditions in order to be legally valid: it must be for a legal purpose; the parties must have a legal capacity to contract; there must be evidence of a meeting of minds between the insurer and the insured; and there must be a payment or consideration. To meet the requirement of legal purpose, the insurance contract must be supported by an insurable interest (see further discussion below); it may not be issued in such a way as to encourage illegal ventures (as with marine insurance placed on a ship used to carry contraband). The requirement of capacity to contract usually means that the individual obtaining insurance must be of a minimum age...

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How Price Optimization Raises Your Car Insurance Costs - TheStreet

You expect your car insurance rates to increase after you buy a new vehicle, cause a crash or add a young driver to your policy. But some insurers jack up prices based on seemingly unrelated data — like your magazine subscriptions or what groceries you buy. Even if you have a clean driving record and have stayed loyal to your insurance company for the past 10 years, you could be paying higher premiums than someone with the same driving history, car and background. Why? Price optimization. What Is Price Optimization? Price optimization is the practice of charging higher rates based on the likelihood that a person will not shop around for a lower price. Insurers create algorithms based...

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New Insurer Start-up Unit, Bank of England

Overview The New Insurer Start-up Unit (NISU) is a joint initiative from the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). Any firm that wants to be an insurer (which includes the activities of effecting contracts of insurance or carrying out contracts of insurance) must be authorised to do this by the PRA. The PRA will only agree to authorise a firm if the FCA is also content for it to be authorised. Firms that are EEA banks, and that are seeking authorisation from the PRA as a third country branch, should refer to the dedicated webpages for information on the authorisation of EEA banks and insurers and the temporary permissions regime. Download our...

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