Personal legal expenses insurance could help you and your family with a number of legal issues, depending on what cover you have.
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Legal expenses insurance can help you with a number of legal issues affecting your business.
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The post-Brexit landscape is the known unknown of the moment, but there are some things we can be reasonably sure will still be with us in the event that we leave the European Union: The sun will still rise in the morning; weekends still won’t be long enough; and we will still pay taxes.
These aren’t much help to businesses though, many of whom are potentially facing some very different futures depending how things play out.
It’s the potential range of impacts for our policyholders that I’m most interested in. Take for instance landlords – it strikes me that for them the impact of Brexit could go one of three ways:
Brexit will result in economic instability that will adversely impact on businesses and result in job losses. The result of tenants losing their jobs will then put pressure on their ability to pay their rent.
This is bad news for landlords in general, although some will be more protected than others; those with landlord legal expenses insurance and rent arrears insurance will have protected themselves, allowing them to take legal action against their tenants while also having their shortfall in rent covered by the insurance.
The overall impact of this is likely to result in an increase in the frequency and cost of claims to the legal expenses insurer.
Brexit will result in a reduction of foreign investors in the UK property market, reducing demand on property and leading to a reduction in property values.
This will result in a reduction in tenant demand due to tenants now being able to afford to buy their own property. This in turn makes the market more competitive for tenants by reducing rents and easing the financial demand.
Landlords would see a reduction in income but this would be unlikely to adversely affect the frequency of rent arrears claims to insurers, and could also have the impact of reducing the overall claims cost due to lower rental values.
Something completely different will happen.
Okay, so the third is said with tongue firmly in cheek, but hopefully you’ll take my point.
Of course this is just one very specific and narrow example, but hopefully it illustrates the challenge of underwriting in a future that looks so uncertain.
Our customers are at the heart of everything we do, and delivering a future-proof product at a sustainable price is why we are here – certainty or otherwise. Although they may be out of fashion in some circles, we’re proud to be experts.
Given that Brexit – at the time of publication at least – will have happened by mid-2019, insurers will need to decide on their underwriting strategy across multiple lines of business, and it will be their financial results at the end of 2019 and 2020 that will determine how successful they were.
It’s a tall order, but an opportunity for underwriting industry experts to really show their worth.
So which way do you think it will go then? Answers on a postcard please.
Nathan Holt is Head of Trading Underwriting at DAS UK Group
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Last month, whilst many DAS UK people were coming down with a case of #BIBAfever, our social media executive, Josh Gater, was kept in deskbound quarantine, with a serious job to do. His task was monitoring the social media activity around the event.
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2019 was another interesting year across the clinical negligence, civil litigation and personal injury sectors. We asked some of our ATE team and solicitor partners what their predictions are for 2020…
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The recent court decision of West & Demouilpied was a potentially huge moment for the ATE market. David Brown breaks down the potential impact on ATE premiums and more.
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Now that the BIBA bubble has burst for another year, Social Media Executive Steph Davies takes a look back at BIBA 2019 and asks: Was it a success on social?
In response to some general criticism of Legal Expenses Insurance (LEI) in the press recently, Nathan Holt, Head of Trading Underwriting at DAS UK, sets the record straight.
Ahead of BIBA 2019, Stephanie Davies – Social Media Executive at DAS UK – takes a look at how social media can be used to make an impression and maximise value from the biggest insurance broker event of the year.
Two years on the government’s consultation on fixed recoverable costs, ATE Underwriting Manager David Brown restates the DAS position on this highly complex issue.
Fran Clothier, DAS UK Group’s ATE Business Partnership Manager, shares her thoughts on the thought provoking annual SCIL (Society of Clinical Injury Lawyers) conference which took place in Birmingham recently.
Nathan Holt, Head of Trading Underwriting at DAS, looks at how things could end up for landlords in the unknown post-Brexit landscape.