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 election of Donald Trump as the 45th President of the United States. Amidst such turmoil, however, it should come as no surprise that the event that will have the most pressing consequences for Towergate clients at several levels will be the decision to exit the European Union.

Granted, specific details of legislative and political consequences of Brexit may take some time to surface, but as an insurance broker it’s important for us to recognise its importance in relation to an issue which is one of our key concerns at the moment, the problem of underinsurance.