Fire cover is only the statutory floor. What the STSMA and management rule 23 oblige a body corporate to insure, and the checks that decide if a claim pays.
Capacity is tight and the winning quote is unrated. The checks the FCA expects, what FSCS and FOS cover, and how to record the client decision.
Legal expenses, excess protection, GAP: what ICOBS 6A and the IDD require before an add-on can be charged, and how a broker evidences an active election.
Sections 8 and 9 of the FAIS General Code do not change because the client bought on WhatsApp: the suitability steps, the record, and the copy the client gets.
Who holds the policy, what an unlicensed group may not do, the member data an insurer needs to quote, and how to run contributions and claims on WhatsApp.
A voice note can carry a material circumstance. What the Insurance Act 2015 and CIDRA expect brokers to capture in a chat thread, and how to make it stick.
An accountant sends you a client and asks for a cut. Three structures are available under FCA rules, and each carries a different disclosure obligation.
Sasria wrap cover returned on 1 April 2026 and placement rules changed on 1 July. The checks to run at every commercial renewal, and what to tell the client.
ICOBS 5.2 and IDD Article 20 require a demands and needs test before every sale. How to run it, and evidence it, when the sale happens in a chat thread.
Direct insurers compete on price and speed. South African brokers win on advice, claims advocacy and response time — and WhatsApp is how you make it visible.
How UK brokers can prospect SME commercial clients on WhatsApp without breaching PECR or the GDPR: soft opt-in limits, B2B rules, LinkedIn and referrals.
How a South African brokerage splits its book into renewal segments by risk score, engagement and renewal window, then picks templates and tests timing on WhatsApp.
