"Sadly I had to claim on my insurances, and it wasn’t a big claim but I would have got nothing without PFM representing me; their experience made the difference."

 

Adrian Webb - electrician

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Just like Economics, insurance premiums have a cycle, moving in between ‘hard’ and ‘soft’ rates.

A ‘Hard Market’ is where insurers are not clambering over each other to get your business. They may have had a really bad year of weather disasters or investment losses. The...

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