Towergate is proud to be part of Ardonagh Advisory – the broking and advisory platform of The Ardonagh Group.

From 22 March 2022 our legal entity name has therefore changed to ‘Advisory Insurance Brokers Limited’.

News and Insights


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Limitation and the UK Building Safety Act: new claims and what insurers may have missed

The Building Safety Act 2022 (the Act) became an Act of Parliament on 28 April 2022. It brings with it the most wide-ranging changes to building safety that...

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New Draft Guidance from the ARB

Back in May 2022, The Architects Registration Board (ARB) released new draft guidance on the insurance cover architects must arrange to ensure they’re compli...

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How to Avoid Becoming Dehydrated While Driving

Listen to any weather update this week and you’ll hear it – the UK is experiencing a heatwave, with expected highs of over 30 degrees.

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How a Commercial Property Valuation Can Protect your Business

As fresh warnings are issued that up to 50% of businesses do not have adequate insurance, it’s important that commercial property owners take steps to check...

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Firms taking a risk without the protection of small business insurance

Starting your own small business is as exciting as it is nerve-wracking. Being your own boss is a great opportunity to enjoy the freedom of making key decisi...

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How can we reduce the cost of filling our vehicle?

It seems every time we go to the petrol station the cost of fuel is going up, from one day to the next, there seems to be a penny increase here and a penny i...

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What Lessons can Employers Learn from the P&O Affair?

P&O has drawn widespread condemnation for the way it has dismissed around 800 employees from its ferry services in the UK. The affair has brought attention t...

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The digital insurance transformation

The insurance industry has seen the arrival of an era of digital insurance transformation in response to changing customer needs and the Covid 19 pandemic.

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A Beginner's Guide to Commercial Combined Insurance

One policy. One premium. One renewal date. Sounds simple, right? In this guide we’re stripping Commercial Combined Insurance back to basics to be just as it...

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Three no-fuss ideas for self-care

Self-care doesn’t have to be self-indulgent, and it’s not just for women. It’s a vital element of being a functioning person in society.

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5 steps to prep your business for flooding

FloodFlash surveyed 500 financial decision makers either at risk of flooding, or worried about the risk of flooding and 200 insurance brokers to find out wha...

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Flooding – do business owners know their risk?

Data from our partners at FloodFlash suggests that British businesses are under serious threat. Are they aware of the threat though?

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Why Directors and Officers Insurance is Crucial to your Business

More and more litigation is being brought against individuals within business senior leadership teams who make decisions on behalf of the business.

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2022 predictions – Economic outlook for 2022

Lynn Mildner, Towergate’s Director of Credit, explains how 2022 is looking mildly optimistic on growth but insolvencies will increase.

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How to Make Sure You Are Not Overinsured or Underinsured

As inflation hits, it's never been more important to check the rebuild cost of your property - the implications of not having the right level of protection i...

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2022 Insurance Market Conditions in the UK

Read our assessment of the UK and global insurance markets in 2022.

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2022 predictions – staff mental health and wellbeing

Simon Broome, Towergate’s Risk Manager, discusses the importance of your colleagues mental health and well being.

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2022 Predictions – Emerging Risks

Marcus Alcock, editor of Emerging Risks focuses on the biggest threats, that he believes, businesses will be facing in 2022.

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New Mobile Phone Laws for Drivers

Friday, March 25th, 2022, will see existing mobile phones rules strengthened with a crackdown on drivers who use their mobile phones behind the wheel.

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2022 PREDICTIONS – Health & Safety in the Workplace

Gavin Snell, CEO of WorkNest, provides insight from their ‘Mind the Gap’ report, which evidences a divide between employer and employees across a host of emp...

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2022 Predictions - The Great Resignation

Mark Brannon, Commercial Director at Towergate asks, is the now the time for ‘The Great Re-set’?

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Your Business Flood Risk Factsheet

Your business flood risk factsheet. Time and tide wait for no one, so there’s no time like the present to be sure that you’ve taken the necessary precautions...

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2022 Predictions – Property Rebuilding Costs

Underinsurance remains a hot topic across the UK - Will Molland of RebuildCostASSESMENT.com predicts how the risk of underinsurance will continue to grow in...

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VR headsets cause surge in home insurance claims | Towergate Insurance Brokers

Using VR headsets at home may be great entertainment, but new statistics from Aviva have highlighted an increase in home insurance claims caused by VR-relate...

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Storms Eunice and Franklin – the Aftermath

Extreme weather such as a storm can cause widespread damage to homes and businesses, leaving many of our clients needing our help simultaneously. If you’ve b...

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Insurance Implications of Admissions to Care Homes Due to Active COVID-19 Outbreak in Northern Ireland

We have had clients in Northern Ireland getting in touch to ask what their insurer’s stance is regarding the potential for ‘forced’ admissions to care homes...

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2022 Predictions – Cyber Risks

Lindsey Nelson of CFC Underwriting, predicts how the cyber threat in 2022 will grow and how insurers need to prevent and respond as quickly.

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Is Your Company Guilty of These Common Reasons for Burnout?

It’s a common misconception that a holiday will solve employee burnout. But when we probe a little harder it’s easy to see why this logic doesn’t make sense.

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Medical Malpractice, Health and Social Care News Roundup Winter 2021-2022

The information on this page is provided by Capsticks for Towergate. Capsticks are specialists in defendant medical malpractice law and the below is a Roundu...

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Protecting Your Commercial Property in Storms

Heavy rain and gale force winds reaching more than 90mph, brought widespread flooding and storm damage to the UK on Sunday, courtesy of Storm Ciara.

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The growing cyber threats facing businesses

A Cyber Security Breaches Survey by the Department for Digital, Culture, Media and Sport (DCMS) found that 39% of all UK businesses reported a cyber breach...

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Conditions Precedent and Important Warranties newsletter

2021 has been another challenging year for businesses, with yet more disruption to “business as usual”. While life was slowly starting to get back to some fo...

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Cyber Security Threat – UK Organisations Urged to Act

The National Cyber Security Centre (NCSC) are urging UK organisations to bolster their cyber security resilience in response to malicious cyber incidents.

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Updated guidance on how to perform CPR

The British Heart Foundation have released new guidance on performing CPR.

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New Highway Code rules to protect all road users

The Highway Code has been updated to include new rules, in a bid to improve road safety for all users.

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Insuring electric vehicles

With the sale of non-electric cars ending in 2030, and hybrid sales ending in 2035 in the UK, the electric car question has been on many people’s lips – the...

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Underinsurance 'made worse' by rising reconstruction costs

We have written previously about the massive shortfall in insurance cover for UK commercial properties. RebuildCostASSESSMENT.com recently estimated that bui...

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Conditions Precedent and Important Warranties

2021 has been another challenging year, with yet more disruption to “business as usual”. As many offices close their doors to employees once again, it is a g...

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Tackling the HGV driver shortage

According to the British Retail Consortium, 2021, the HGV driver shortage is reported to have increased over the last five years from 45,000 in 2016 to 76,...

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NI tax hike Too little, too late, for the NHS?

The announcement of a new 1.25% tax hike to generate extra funding for the NHS is not the saving grace many wish it was.

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Falling Leaves Blocking Drains? Don’t Let It Lead To Flooding

As the nights draw in and jumpers come out for the autumn season, crispy golden leaves can look pretty, but can become a nuisance when they start to block yo...

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Cyber Attack On High-Society Jeweller – Large Ransom Demands Expected

The Mail on Sunday has reported a cyber attack on exclusive jewellery firm Graff. Cyber criminals are alleged to have leaked up to 69,000 confidential docume...

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Firework Displays - Safety and Insurance

As the organiser of a fireworks display your liability insurance is for the safety of spectators and staff present during the evening. We have brought togeth...

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Price Rise Warning Amid Shortage Of Building Materials

Contractors have been left reeling by another huge materials price hike as a major concrete products manufacturer announced 15% increases.

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Ensure Your Insurance Covers Working From Home

Does your home insurance cover your new 'shoffice' and personal storage unit? With the increasing popularity of conversions to home offices, gyms, drinks bar...

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Is Environment, Social and Governance (ESG) the Latest Emerging Risk?

The topic of climate change is not far away from most conversations, particularly given high-profile events and protests that have taken place. While the met...

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The Ultimate On-Site Playlist

Through a nationwide survey and an analysis of Spotify, Towergate have explored the relationship workers have with music while working.

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Tackling the Fuel, Gas and Driver Crises

September 2021 was a landmark month for all the wrong reasons, with businesses and consumers having to face up to further and significant challenges. It hard...

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Supply Chain Pressures Facing the UK Construction Industry

The UK construction industry is facing mounting pressure from the worst supply chain crisis in decades. Being driven by the fallout of coronavirus and Brexit...

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Brexit, Covid-19, and its Impact on Underinsurance

While Brexit and covid-19 have led to supply chain issues and adapted business operations, the insurance implications of these are often not taken into accou...

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Insurance Update - UK Insurance Market Conditions H1 2021

For the last two years, the insurance market both in the UK and globally has been hardening at a rate not seen since 2001/02.

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Preparing for Summer Storms

Preparation checklists and risk mitigation strategies for summer flooding, especially those that affect commercial properties.

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High ‘Flood Risk Areas’ in the UK

In this article, we will look at some of the worst affected flooding areas, those most at risk and some of the worst recent floods (including flash flooding)...

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Cyber and Ransomware attacks are on the increase

Cyber insurance capacity is expected to reduce with some insurers exiting the cybermarket, resulting in higher rates, as insurers encounter both a higher fre...

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Mental Wellbeing: A Challenge for Business?

A startling fact is that you are now more likely to go to a colleague’s funeral because they have killed themselves than because they died in a workplace acc...

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Ten Reasons to Use an Insurance Broker

Finding the right level of insurance cover can be a time-consuming, complicated and expensive task. Read our top tips to help.

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Rising Credit Risks Warning

Ratings agency Moody’s has given a stark warning that the UK should anticipate a rise in credit risks given the prospect of an unwinding of the level of gove...

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Whiplash Reforms - An Overview

Legal and rules changes associated with Whiplash Reforms came into effect on 31 May 2021. While it will take a bit of time for the insurance industry to full...

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Modern Methods of Construction add to Arson and Hot Works Fire Risks

Arson and hot works are among the most common causes of fire in the UK, whilst modern methods of construction are also a leading factor in many fires. With...

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Protect yourself from phishing emails and when sharing data online

Learn more about email phishing and the importance of securing your online data. These top tips will protect you from potential hacks.

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End of financial year? Prime time for cyber scams

The end of the financial year is a busy time for businesses as they race to achieve their numbers, with many finance teams preparing for the tax season. Thi...

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Cyber insurance rates increase predicted for 2021

Cyber insurance capacity is expected to reduce with some insurers exiting the cybermarket, resulting in higher rates, as insurers encounter both a higher fre...

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Focus on Underinsurance and Adequate Business Interruption Insurance

The Insurance Act 2015 was created to help you get fairer treatment from your insurer in the event of a loss or claim. However, the Act also stipulates that...

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Immediate Advice for Businesses as Storm Christoph Hits

As the flood season heralds Storm Christoph, the Met Office has issued amber and yellow warnings as two months of rain is set to fall in just three days. Som...

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Checklists to Protect Your Businesses Against Winter Risks
Checklists to Protect Your Businesses Against Winter Risks

As winter approaches, it is important that businesses are protected against adverse weather conditions. Read our checklists to help you.

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Floods and Insurance: The UK Landscape

Here we explore the UK’s flood landscape; why the risk is increasing; and examine the various measures and flood insurance available to help protect you and...

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Underinsurance disasters Waiting to happen

UK commercial properties underinsured by £325 billion. Latest data has again highlighted a massive shortfall in insurance cover for UK commercial properties....

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The Evolving Nature of Business Cyber Risks During the Covid-19 Pandemic
The Evolving Nature of Business Cyber Risks During the Covid-19 Pandemic

Read our article on the evolving nature of cyber risks and the changing landscape since the start of the pandemic; and what it means for you, including how t...

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Increased Terrorism Threat in the UK

As we head closer to the holiday season, the threat of terrorism in the UK grows. Following a spate of attacks in Europe, UK alert levels have been upgraded...

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Reignited focus on Brexit highlights underinsurance issues

Amidst the potential turmoil of another spike in infections from the coronavirus, the UK is facing the double whammy of its messy departure from the EU. T...

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Hardening insurance market

For more than a decade the insurance industry has operated in soft market conditions. Now, however, it is starting to experience a hardening market. That mea...

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Help us help another business (and give something in return)

Towergate Insurance Brokers’ staff have been working tirelessly from 2,000 home offices, right across the UK, to support you during lockdown.

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Right to Light Explained

A right of light is an easement granted to a freeholder (or leaseholder or tenant, by assignment) which grants them the legal right to enjoy a reasonable amo...

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Insurance Market Conditions Q3 2020

The insurance market in the UK has been hardening at a rate not seen since 2001/02 and the Covid-19 pandemic has only accelerated this trend. This means that...

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Risk Alert - Environmental exposure as oil storage increases

Coronavirus is impacting our lives in many ways and changing our routines. It has also caused the price of oil to fall meaning that both people and organisat...

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Cybercriminals likely poised to attack as Magento 1 reaches “end of life”

Cybercriminals are likely poised to attack as Magento 1 reaches “end of life” leaving retailers highly vulnerable. After publishing a final security patch on...

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How to Best Arrange your Business Insurance

Arrange your business insurance can be a time consuming and stressful process in normal circumstances, but with the UK insurance market hardening at a rate n...

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Smartphones Becoming an Increasing Cybersecurity Risk for Organisations

Think of a ransomware attack and you may picture a hacker targeting employees who use laptops or desktop devices. Yet hackers are both opportunistic and reso...

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Intellectual Property (IP); A Case Study

Manchester United are suing the makers of the popular Football Manager series for allegedly infringing their trademark by using their name “extensively throu...

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Risk Alert – Current Climate Exposes Increased Risk of Terrorism and Political Violence

Insuring against the risk of terrorism and political violence after the Coronavirus lockdown may not be seen as a priority for businesses at this time, but t...

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Cyber Risks on the Rise as Businesses Reopen

It has been highly publicised that Cybercriminals are exploiting the uncertainty that COVID-19 has brought, to their advantage. We first identified this back...

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Insurance Market Conditions and How Towergate Can Help You – Q1 2020

The insurance market in the UK is currently hardening at a rate not seen since at least 2001/02. This means that we are in the phase of the market cycle wher...

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Risk Alert - Interruption to Businesses as a Result of Protests

The past few weeks have seen widespread Black Lives Matter protests following the death of George Floyd in Minneapolis at the hands of police.

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Insurance Market Conditions

For the last two years, the insurance market both in the UK and globally has been hardening at a rate not seen since 2001/02.

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Investor in Customers (IIC) Gold award

A review of the conditions between 2017 and 2019 impacting the global (Re)insurance market and UK insurance market, plus some specific sectors of note.

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Business Continuity Planning

Businesses are exposed to disasters all the time, including IT system failures, cyber incidents, power outages, major losses, i.e. fire or flood at site, epi...

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2020 - A Preview of Emerging Risks

With a new year comes new challenges. However, by looking at recent developments and current activities, there are clear trajectories on what might take grea...

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Risk Alert – Why is it so important to have a Business Continuity Plan

The escalating situation around Covid-19 is demonstrating why it’s important for businesses to have in place a robust Business Continuity Plan (BCP) to ensur...

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Emerging Risks for 2020 - February 2020

As a business, your top priority will understandably be keeping a competitive advantage and ensuring that you remain an attractive proposition for your clien...

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Information Update - Why is it so Important to have regular updates to your watches insurance valuations

Watches are highly collectable, take up little space and incur no Capital Gains Tax. As such they are becoming increasingly popular as an investment option....

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Risk Alert - Whirlpool appliances recall highlights fire risk in white goods

More than half a million households using Creda, Hotpoint and Indesit washing machines have been urged to unplug them immediately due to the risk of fire.

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Newsletter - Issue 12, Winter 2019: Bolton Student Fire Underlines Need for Effective Risk Management

An investigation has been launched into the fire at a student accommodation block in Bolton on 15 November, which spread rapidly to the upper floors of the b...

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Risk Alert - Flood Cover for Business: Looking beyond the headlines

It has been a torrid week in flood affected regions of England after the rivers Don, Severn and Avon burst their banks, with thousands of residents and busin...

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Insurance Market Conditions Q3 2020

The insurance market in the UK has been hardening at a rate not seen since 2001/02 and the Covid-19 pandemic has only accelerated this trend. This means that...

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Newsletter - Issue 11, Autumn 2019

A recurring and entirely legitimate question from UK businesses is whether cyber insurance will pay out in the event of a claim. The recent reassuring answe...

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Risk Alert - 'No-Deal' Brexit - Green Card Update

With continued uncertainty over Brexit, but with the Government’s avowed intention to leave the EU by 31 October, freedom from Green Cards may come to a swi...

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Newsletter - Issue 10, Summer 2019

So called "ransomware" attacks against businesses have surged in 2019*, underlining the need for continuing vigilance against the growing threat of cyber attack

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Insurance Update - New Ogden rate widely criticised

The government's decision to make only moderate changes to the system which sees courts determine how much insurers should pay out to claimants in cases of l...

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Risk Alert - Driving in Europe is Changing, Deal or No-deal

With Brexit agreement hanging in the balance, and much to still surface on the precise nature of our departure arrangements, there are things that need to be...

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Health & Safety Bulletin - May 2019: Recent spate of fires caused by electrical faults suggests businesses need to check electrical systems

Recent fires at premises as diverse as Ocado's distribution centre in Andover, Chester Zoo and most recently Notre Dame Cathedral, have been found to be caus...

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Insurance Update - The Homes (Fitness for Human Habitation) Act 2018

The Homes (Fitness for Human Habitation) Act 2018 will give tenants new rights, including the ability to sue landlords who fail to adequately maintain their...

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Newsletter - Issue 9, Spring 2019

Insurance industry works to minimise Brexit disruption

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Towergate Insurance Brokers Corporate Brochure

Towergate began its journey in 1997. Since then we have acquired many local insurance brokers, growing rapidly to become one of the UK’s largest insurance...

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Health & Safety Bulletin - April 2019: HSE Intervention Enforcement Notices on the Increase

When the HSE launched its controversial Fee for Intervention scheme in 2012, there were concerns that this was little more than a money raising exercise by...

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Health & Safety Bulletin - April 2019: Notre Dame Blaze Highlights Risk of 'Hot Works'

Although investigators now say that the most likely cause of the recent devastating fire at Notre Dame was an electrical-short circuit, initial reports sugge...

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Limited Companies: Have you considered Business loan protection... For when your personal liability is not limited?

One of the benefits of running a business as a Limited Company is the reassurance of ‘limited liability’. This means no personal liability for any financial...

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Risk Alert from Towergate on Storm Gareth
Risk Alert - Property Storm Advice from Towergate Insurance Brokers, as Storm Gareth Hits

A deep area of low-pressure, which will advance across the north of the UK late on Tuesday into Wednesday morning, has been named Storm Gareth. Gareth will b...

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Risk Alert - 'No-Deal' BREXIT and the Green Card

The UK is currently part of the European ‘free circulation zone’ meaning UK motorists can legally drive their vehicles in any European Economic Area (EEA) c...

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Risk Alert - Directors' & Officers' (D&O) Lawsuit results from Social Engineering Losses

In 2016, the CEO of FACC, a Chinese owned, Austrian-based aerospace parts manufacturer, was duped in a social engineering scheme that ultimately cost the com...

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A Guide to Arranging Commercial Insurance

Shopping around for commercial insurance can be a time consuming and stressful process.

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Risk Alert - How to reduce Your Exposure to Escape of Water

It’s that time of year again, with snow and ice on the way. And with cold weather comes the risk of burst pipes and escape of water. During winter, frozen pi...

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Newsletter - Issue 8, Winter 2019

Business Interruption Confusion continues and Underinsurance remains a key problem, suggests the CII.

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Risk Alert - Fleet Operator Fire Accumulation Risk

Losing one vehicle due to fire can be a costly and disruptive event. Losing a fleet of vehicles due to fire spreading to several vehicles parked close togeth...

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Risk Bulletin - UK Company Directors 'Legally Exposed' by poor BREXIT plans

Directors of many of Britain’s companies may face large liability risks if unprepared for Brexit. According to insurance consultancy Mactavish, this will par...

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Risk Alert - Return of the Beast from the East

Forecasters have warned of a repeat of last year’s Beast from the East until March. This time last year extreme weather stranded drivers on motorways, ground...

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Risk Alert - Brexit stockpilers face 'huge risk of underinsurance'

Businesses that stockpile goods in preparation for potential Brexit related disruptions are leaving themselves at risk of being underinsured.

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Risk Alert - SMEs’ biggest concern after BREXIT

Smaller companies are ‘losing talent’ to larger competitors because the benefits they offer are less attractive.

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Risk Alert - Christmas 2018

Avoiding mistletoe madness

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Newsletter - Issue 7, Autumn 2018

BREXIT: Uncertainty raises questions over cover

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Risk Alert - Management Liabilities

Insured or not? Directors face increasing defence costs and bigger fines

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Safety Guidelines for Fireworks Displays

Bonfires and fireworks events can be popular fundraising opportunities but have the potential to cause damage and serious injury. If your school, charity or...

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Insurance Update - Claims Defensibility Review Service

As a business owner you may have already experienced the time-consuming process and stress that can be associated to dealing with a claim.

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Risk Alert - Terrorism Update

The evolution of terrorism and the ideological threat.

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Risk Alert - Subsidence

After one of the hottest summers on record, UK insurers are now bracing themselves for a surge in subsidence claims.

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Risk Alert - Fleet Safedrive

Control your driver risks, protect more than your bottom line

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Risk Alert - Crime Insurance

Economic crime continues to be a major concern for organisations of all sizes, across all regions and in virtually every sector. One in three organisations r...

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Risk Alert - Summer Risks 2018

With no end in site for the current UK heatwave, for those in the leisure and tourism sectors 2018 could well turn out out to be one of the finest summers o...

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Newsletter - Issue 6, Summer 2018

World Cup £1.5BN insurance shines spotlight on cancellation cover.

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Risk Alert - CO2 shortage

Carbon dioxide shortage exposes supply chain risks

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Insurance Update - Arrange Your Business Insurance

A guide on how best to arrange your business insurance.

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Information Update - Cyber Crime

Cyber & Data - Digital technologies are an essential part of business today. All businesses rely on information technology (IT) infrastructure to some degree...

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Information Update - Health & Protection Group Risk Terrorism

Following the recent terror attacks in Manchester and London, we’ve had some questions about insurance cover. Here’s how Group Income Protection, Group Criti...

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Risk Alert - Cyber Liability

Since most businesses in the UK now use the internet, email or cloud technology as an integral part of their operation, they become ever more reliant on tech...

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Risk Alert - GDPR Directors Liability

Already under attack from several directions, including ever more stringent regulatory compliance and the threat of shareholder activism, the last thing that...

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Information Update - Towergate Assist

When disaster strikes, a quick effective response can be vital to keep you in business. Large losses can be complex and need assistance from experts.

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Insurance Update - Civil Liability Bill

Liability premiums set to reduce as Civil Liability Bill unveiled.

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Risk Bulletin - Health & Safety Competent Person

The technical bit. Regulation 7 of The Management of Health and Safety at Work Regulations 1999 states that “Every employer shall, subject to paragraphs (6)...

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Risk Alert - Winter Risks

Risk Management can be challenging at the best of times. So we thought you might appreciate some useful tips..

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Information Update - Private Client 3 Reasons Why

3 reasons why you should talk to Towergate about your Private Client needs:

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Risk Alert - Carillion

You will now be aware of the recent announcement about the liquidation of Carillion. With such a massive and complex failure, at this stage some of what is b...

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Information Update - Guide to Business Protection

The Rough Guide to Business Protection

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Newsletter - Issue 4, Winter 2017

The sudden collapse of UK construction conglomerate Carillion means that crucial steps will need to be taken by affected suppliers to ensure the best possibl...

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Information Update - Personal Accident and Business Travel Insurance

Personal Accident and Business Travel delivers vital business interruption protection and helps customers meet their legal obligations. Additional services o...

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Insurance Update - Ogden Reforms

UK insurance brokers have called on the Government to act quickly to implement changes to the system which sees courts determine how much insurers should pay...

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Risk Alert - Storms

ABI urges business to plan now for prospect of future storm damage

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Information Update - Environmental Impairment Liability

Towergate Insurance Brokers is strongly committed to protecting clients from environmental risks. There is no substitute for experience and Towergate Insuran...

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Newsletter - Issue 3, Autumn 2017

Construction professionals continue to be left in a state of some confusion, in the aftermath of the appalling fire at Grenfell Tower.

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Information Update - Health & Safety

Our EXCLUSIVE Health & Safety portal that will help keep your business in great shape.

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Information Update - Underinsurance

Valuation experts Barrett Corp & Harrington say “On average 77% of the properties they survey are underinsured by 45%”

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Information Update - Cyber Crime Video

Cyber Crime can affect any business. To view the informative video regarding the risk of cyber crime to your business select the link within the main story.

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Information Update - Management Liability

There are three key areas to a management liability policy, Directors and Officers Liability, Employment Practices Liability and Corporate Legal Liability....

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Insurance Update - Brexit Underinsurance

It’s been a year of tumultuous news, from the unexpected death of David Bowie, the rise and fall – and rise again – of Boris Johnson, and most recently the e...

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Insurance Update - Insurance Premium Tax 12%

In his Autumn Statement, The Chancellor, Philip Hammond, unveiled plans to raise insurance premium tax (IPT) to 12% from 1st June 2017, up from the 10% previ...

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Insurance Update - Enterprise Act

On 4th May 2016, the Enterprise Act 2016 was passed. This new legislation provides policyholders with a potential right to claim for damages due to late paym...

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Information Update - Credit Insurance Cover

If you answer yes to any of the questions asked in the attached document, then speak to us about Credit insurance cover

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Underinsurance – Have you considered the risk?

It should come as no surprise that the event that will have the most pressing consequences for Towergate clients (and underinsurance) will be the decision to...

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Risk Alert - Exposure to Terrorism

The UK Government advises that the threat level from terrorism in mainland Britain for the UK is currently ‘Severe’, which is the next level up from ‘Moderat...

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Risk Alert - Underinsurance

The Insurance Act 2015 represents a seismic shift in insurance law since 1906 and came into force on 12 August 2016. The requirements of the Act are exactin...

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