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The Insurance Act 2015

This Bulletin is very important and we would urge you to spend time reading and understanding the content, as it will impact upon your policy. On 12 February 2015 Parliament passed a second piece of legislation, following on from The Consumer Insurance (Disclosure and Representations) Act 2012, known as The Insurance Act 2015 (Act). This Act reforms post contractual issues for consumer and non-consumer contracts alike and pre-contractual obligations on [...]

Tuesday, July 05, 2016Read More

Construction (Design and Management) Regulations 2015 - Principal designers: roles and responsibilities

Are you taking the right steps and have you informed your Professional Indemnity Insurer of your actions to comply with these new requirements. In many instances this may not be automatically covered or may only be included for a smaller Sub-Limit of Indemnity and not the full level, of Policy Limit of Indemnity. A principal designer is a designer who is an organisation or individual (on smaller projects) appointed by [...]

Tuesday, May 03, 2016Read More

Cyber Crime

Following on from our previous Bulletins on Cyber Risks, we are conscious that the cover available under Cyber Liability and Crime Insurance Policies is not the complete solution, but it is a valuable part of the overall solution. We have had numerous examples from Clients who have suffered cyber attacks recently and see the clear benefits of the cover, both in terms of the specialist support and the financial protection. [...]

Tuesday, May 03, 2016Read More

Tackling whiplash claims

Our Bulletin in November 2015 looked at a series of risk management measures to try to help in the defence of staged or disputed accidents, subsequent to this there has been some potentially good news to try and tackle the compensation culture with whiplash claims. In the recent Government Spending Review The Chancellor of the Exchequer announced a package of measures with significant news for claimants, their legal representatives and [...]

Monday, January 11, 2016Read More

Carriage of Dangerous Goods Regulations

You may not realise but some of the goods you carry may fall under these regulations. The Carriage of Dangerous Goods and Use of Transportable Pressure Equipment Regulations (CDG 2009) regulate the transport of dangerous goods within the United Kingdom and implement the European Agreement concerning the International Carriage of Dangerous Goods by Road (ADR 2015). The type of goods covered by these Regulations range from highly dangerous such a [...]

Monday, January 11, 2016Read More

Technology helping Motor Insurance

The issues surrounding Motor Insurance Claims are well publicised, particularly now in view of the costs involved and their impact on future insurance premiums. Most of us have been unfortunate to be involved in an accident at some stage in our lives, once the dust settles it now seems common place that the circumstances are disputed by the parties involved. Liability for the accident may appear quite clear on the [...]

Thursday, October 29, 2015Read More

Cyber Risks

Just imagine the scenario, a lost laptop, a hacked website, customers' credit card data or information stolen, a denial of service attack or customer information left on a train. Your business could be vulnerable if you: Hold sensitive customer details such as names and addresses or banking information; Are reliant upon computer systems to conduct your business; Have a website; Are subject to a payment card industry (PCI) merchant services [...]

Thursday, October 29, 2015Read More

Insurance Premium Tax to rise

In his Summer Budget the Chancellor announced an increase in the level of Insurance Premium Tax (IPT) payable on insurance premiums.  IPT was introduced in 1994 and was increased in 2011 to its current level of 6%,  it will increase again from  November 2015 to 9.5%. Travel Insurance for consumers is not affected as it already attracts a higher rate of 20%. [...]

Tuesday, July 28, 2015Read More

Directors' & Officers' Liability

As a director or senior executive, every decision you make can potentially open you up personally to expensive claims and legal costs. In today's increasingly litigious society, being a company director could be regarded as a high risk occupation, given the set of duties and responsibilities that come with the role. If it is believed the director has breached these or has failed to safeguard the interests of a variety [...]

Tuesday, July 28, 2015Read More
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Dunsby Associates Insurance Brokers Limited
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