Part of the UK government’s plan to reduce the nation’s carbon footprint is to continue making rented homes more energy efficient by increasing minimum EPC (Energy Performance Certificate) [...]

From government schemes and ambitious net-zero goals to reputational gains and cost savings on heating and electricity, there’s plenty of incentive to go green with energy efficient property [...]

Like materials pricing, labour shortages can significantly impact the cost of construction projects. This puts countless UK properties at risk of underinsurance, often without the knowledge of [...]

There’s no getting away from the fact that the insurance industry is built on a gamble, that policyholder assets will not be compromised during the period of coverage.  As with […]

Sometimes, it’s generally seen as okay not to read the fine print – who has the time to trawl through every word of a streaming service update or the terms […]

Building Reinstatement Cost Assessments (RCAs) are essential for mitigating underinsurance risk. However, like any other valuation process, the information they provide is static – a [...]

A common question we encounter at Cardinus is, “If I base my insurance cover on the original development cost of constructing my property, isn’t that enough?” Unfortunately, the answer is [...]

Last year Cardinus identified a worrying trend in how people own and insure their properties. Our findings indicate the widespread issue of underinsurance among UK properties, putting property [...]

As a prominent provider of risk control surveys in the UK insurance market, Cardinus has observed the surprisingly low utilisation of pre-inception risk surveys within the industry. Despite [...]