Full-responsibility (all‑risks) goods‑in‑transit cover pays for damage whether or not the haulier was negligent, but operators should still set contract limits (max consignment value and exclude consequential loss), ensure the policy load limit matches potential shipment values to avoid average reductions.

Model engineers often rely upon their household insurance policy to respond in the event of a loss, but this may not be sufficient. Specialised model insurance is therefore recommended for individual modellers and model engineers.

Water and waste carriers with hoses, toilet chemicals (pink flush + blue/green waste), gas cylinder with matching regulator, legal towing mirrors, electric hook-up lead, levelling ramps/chocks, hitch cover, security (wheel clamp/lock, alarm or tracker), and safety alarms (smoke + CO).

Provide daily outdoor access that builds distinct outdoor skills—plan around each child’s needs and goals, link with indoor learning, structure enticing, development-led activities, and always risk‑assess, document, and inform insurers about new equipment or activities.

Overview of the history and importance of British pubs, with facts on their origins, number, and role as major employers.

Find out why risk assessments are important, how you can avoid accidents and help to reduce the chance of a liability insurance claim in this guide.

Move to higher ground, avoid flood‑prone pitches, monitor warnings, and if floodwater enters act fast by contacting the insurer—comprehensive or new‑for‑old caravan cover can replace write‑offs, but policies may restrict cover at known flood‑risk sites.

Keep speed slow and calm, steer with hand at the wheel’s base so the caravan follows that hand, watch for jack-knifing and counter-steer early, use a spotter, wide towing mirrors, and consider reversing cameras for clear corner views.

Standard construction for residential properties is bricks and mortar or stone, with a slate or tiled roof. Non standard properties can feature one or more of the following aspects in their construction

Verify the running gear is road-legal by checking hitch head and stabiliser pads, suspension (sits level), brakes and breakaway cable, lights and tyres, and always request a short tow test; follow up with an annual specialist service to keep cover valid.

Underinsurance is a silent threat—if sums are undervalued, average clauses slash payouts, so revalue and update cover now to prevent costly shortfalls.

We surveyed a range of small businesses across the country to find out the biggest threats to their business right now.