Types of insurance fraud
Insurance fraud ranges from staged crashes to inflated claims, and honest customers pay. Understand the main types and how they are caught.
Capacity in insurance: why some risks become hard to cover
When capital retreats, some risks become hard or impossible to cover. Understand capacity and what it means for the premiums you pay.
Reinsurance explained: how insurers spread their own risk
Reinsurance lets insurers spread their own risk so they can pay after disasters. Understand how it works and why it underpins every policy.
How underwriters assess risk
Underwriters weigh data, judgement and appetite to accept or price a risk. Understand how the assessment works and how it sets your premium.
Commission disclosure and what it means for you
Commission disclosure rules mean brokers must tell you what they earn. Understand your right to that information and how to compare advice.
MGAs versus insurers: who actually underwrites your cover
An MGA can underwrite your cover while an insurer carries the risk. Understand who actually stands behind your policy and why it matters.
How insurance brokers are paid
Brokers are paid by commission or fee, and the cost of advice must now be disclosed. Understand how broker payment works before you buy.
Insurance distribution and commission
Brokers and comparison sites are paid by commission, now largely disclosed. Understand how distribution is funded and what you are entitled to know.
How the UK insurance market is structured
The UK market blends insurers, the Lloyd’s market, brokers and capital. Understand how risk flows from a customer to the balance sheet that backs it.
What MGAs and coverholders do
MGAs and coverholders underwrite and bind cover on an insurer’s behalf. Understand what they do, and why the arrangement matters to your policy.