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Insurance Insights

As a respected and trusted insurance broker, we work with a range of different customers. From time-to-time, we comment on the variety of discussion points that take place within an ever-changing insurance landscape.

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What is Alternative Accommodation?

If your home is damaged by an insured peril (such as fire or water) and is rendered uninhabitable your insurers will provide alternative accommodation for you, your family and pets for…

What is a Policy Excess?

The majority of insurance policies do not pay out the full cost of any claim you make under the policy. They apply what is known as a policy excess. This…

A Precautionary Tale

You wouldn’t be alone if you described yourself as less than an expert when it comes to insuring your home. With buildings and contents insurance, the main driver for decisions…

Reinstatement Cost Assessments

It’s really important when insuring a building to make sure you know what the full rebuilding cost of the property is and use this when setting up your policy or…

Standing out from the crowd

As FirstPort Insurance Services celebrates its 20th Year in the Industry, Managing Director, Judi Runciman talks about her approach and that of her team, which ensures that the business stands…

Terrorism Cover or Not?

We live in an ever-changing world of uncertainty, where we can be exposed to all sorts of natural and man-made hazards and dangers. Whilst the vast majority of the time…

What is Trace and Access?

Trace and access cover is only operative if there has been water damage to the structure of the property caused by a leaking pipe or apparatus (such as a boiler/washing…

Don’t get caught out by under-insurance

All policies contain an underinsurance clause.  So what does this mean to you? At the commencement date of your insurance policy, it is your responsibility to ensure the sum you…

What is a broker?

What is a broker and why should I use one? By definition, an insurance broker is: "a person or company registered as an adviser on matters of insurance and as…

Insurance Premium Tax increase

Insurance Premium Tax is a tax applied to insurance by the Government. It is included within any premium quoted by an insurance company or an insurance broker and it is…