Travel insurance is usually purchased as a standard combined package of covers designed to protect you from a variety of adverse events that could occur while you are on holiday.

These typically include:
* Providing some financial recompense if your trip is cancelled or curtailed due to circumstances beyond your control
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Adaptation to Climate Change – local and global implications
Climate change is a reality. It is happening now and its impact is felt across the world. It is the major risk facing the world today.

Climate change is of enormous importance to the insurance industry. We invest in business to back long-term pension commitments. We do not invest for a quick buck. So we want to invest in companies that are sustainable. We also help business and individuals to manage risk. So obviously we want those risks to be kept as low as possible whether due to storm, flood or heat wave.
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EFRA flooding report highlights need for a Floods Bill, says the ABI

Commenting on the publication today (7 May) of the report from the Environment, Food and Rural Affairs Select Committee on flooding, Stephen Haddrill, the ABI’s Director General, said:

“Despite the devastation and tragedy of last summer’s floods, the UK remains ill-prepared for coping with a major flood. As the Committee recommends, the Government should review the adequacy of its current flood spending plans.
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Commercial motor van cover is not the same as traditional van insurance cover, not because commercial cover is really any more expensive than regular vehicle insurance, but because of the level of cover offered. When a van is used primarily for transporting people to work, school, home or on basic errands, a certain level of insurance cover is required in order to give the driver peace of mind and the protection that they need.

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Are you buying Private Medical Insurance?

Take a look at this guide first

This is a MUST READ for anyone considering buying Private Medical Insurance.

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What does Motor Insurance do?

Motor insurance protects motorists against liability in the event of accidents they may cause. It can also provide cover for the motorist’s own vehicle. Many different types of cover are available, ranging from third party cover which protects individuals against liability should they injure a third party or cause damage to a third party’s property, but does not provide any cover for the individual’s own vehicle or property, through to comprehensive cover, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties.
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Financial stability and depositor protection: strengthening the framework
The ABI’s Response to the Tripartite Authorities’ consultation paper
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PROTECTION INSURANCE – AN ABI CONSUMER FACTSHEET
Personal debt has reached a record high. The average UK household has
debt, including mortgages, totalling some £56,234. With median annual
earnings at £23,764, this is a worrying trend.
With the economy looking less stable, more people are becoming concerned
about how to protect themselves and their families should they find
themselves unable to keep up with loan repayments, perhaps through
unemployment or ill-health.
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Statistics say that 10,000 bikers in the UK cancel their insurance policies over the winter months every year.

Many bike owners will lock away their two wheels but unfortunately, even when locked in a garage, their bikes remain at risk.

Thieves are quite aware that many motorbikes are stored in garages over the winter months and over 600 bikes are stolen every month.
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Insurance as a messenger of the costs of climate change

Assessing the costs of climate change is a critical part of developing proportionate national and international policy responses to manage climate risks. Insurance relies on detailed assessment of weather and its costs in order to price risks and provide a viable risk transfer mechanism. Insurance acts as a useful messenger of the financial costs of extreme weather, both today and in the future.
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