What is Insurance Premium Tax?

General insurance policyholders in the United Kingdom will be familiar with the additional charge on their insurance documents in respect of IPT or Insurance Premium tax but what is Insurance Premium Tax, what insurance policies does it apply to and who is responsible...

What is Proximate Cause?

When a claim occurs under a general insurance policy the insurers will identity the proximate cause of the loss to ensure that the loss or damage has been caused by an insured peril but what is proximate cause and how does this affect the settlement of claims....

Cyber Liability Insurance

There is much discussion regarding the cyber risks facing businesses, organisations and individuals today and the protection required in respect of these risks have led to the development of cyber liability insurance. In looking at this we first need to define what we...