In a perfect world, that ONE would be zero – but that is too much to hope for. All that we can do is try to make sure that we do not put ourselves in positions where we could have a claim… and we appear to be doing just that.

As the season changes, our annual trip to a warmer climate is on the horizon. Yet, this year, our departure is delightfully delayed by the anticipated arrival of a new grandchild in October and the festive spirit of our office Christmas party in December. These events, far from inconveniences, are joyful markers in the lead-up […]

In the turbulent world of travel insurance, unpredictability reigns supreme. With a decreasing number of insurers in the market, the prediction of loss ratios has become increasingly challenging.