Geoff Hall

Comment: FCA makes clear that GI needs good advice

The FCA recently published a report on the general insurance distribution chain and warned general insurance firms that it “will not hesitate to intervene” if firms fail to meet their obligations to customers. Rules introduced from 1 October 2018 following implementation of the Insurance distribution directive are directly relevant to the manufacture and distribution of […]


Comment: Insurance can’t be an after-thought

Small businesses and start-ups may not know which cover they need, nor the consequences of getting it wrong Do you have any start-up or small-business clients? According to a recent report by Aviva, one in 10 small businesses does not have employer’s liability insurance in place and, of the remaining businesses, another one in 10 […]


Comment: Give the consumer what they want

In the age of the ‘informed buyer’, customers may prefer non-advised sales in order to feel more in control of the process There has been a long-running debate over advised versus non-advised broker sales in terms of which is the better model or in the best interests of the customer. Broking giant Gallagher, for example, […]


Opinion: Expect more from your BDM

Ask yourself if your provider and its BDM are doing enough; today’s ‘expectation economy’ makes their help essential. We are living and working in the age of the customer. Clients are better informed than ever, have a greater product and provider choice, and can deal direct if they so choose. As advisers operating in this […]


Comment: No halfway house for inbetweeners

Mid-net-worth clients are valuable customers and there are products with the breadth and depth of service they require Most of the commentary on home insurance issues addresses the benefits or shortcomings of standard policies. The name ‘standard’ suggests, quite rightly, that these are aimed at the majority of clients. Contents cover is usually for a […]


Your advice is more vital than ever

With the potential for UK redundancies, rising interest rates and lower state benefits, how are your clients likely to cope? The remortgage market continues to show steady signs of recovery, particularly as talk of interest rate rises on the horizon drives customers to seek out and lock in to the lowest rates still available. Figures […]