What is an Insurance Policy Excess?

The insurance policy excess is the amount of any claim made under the policy that the policyholder is responsible for, this amount is predetermined when the policy is first taken out and it may apply to individual sections of the policy or to all claims under a...

What is Vicarious Liability?

Most people will be familiar with some aspects of vicarious liability and are naturally accepting of some of the basic effects of the principle but what is vicarious liability and what effect can it have upon the legal liabilities of the individual, businesses and...

Dangerous Dogs Act 1991

The Dangerous Dogs Act 1991 and it’s subsequent amendment in 1997 makes it illegal to own any specially controlled dogs in the United Kingdom without a specific exemption from the courts. The four types of dog identified in the Act are; Pit Bull...

What is a Monthly Rolling Insurance Policy?

In recent years insurance companies have started to introduce monthly rolling policies, also known as continuous policies, to accommodate a range of insurance requirements but what is a monthly rolling insurance policy and what are the advantages and disadvantages of...

What are Punitive Damages?

Many will be familiar with the principle of legal damages awarded by a court but in addition to compensatory damages, punitive damages may also be awarded but what are punitive damages? In a court of law a plaintiff may be awarded damages that compensate them in...

Chartered Insurance Broker

The Chartered Insurance Institute (CII) has awarded the prestigious ‘Chartered Insurance Brokers’ title to Blackfriars Insurance Brokers Ltd, long established providers of insurance advice and support.Chartered status is an exclusive title only...
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