Simon Goldthorpe: How to get in the best shape for your PII renewal

Insurers have become increasingly nervous in the past few years about services such as DB transfers, thanks to high-profile mis-selling scandals. Other factors such as the Financial Ombudsman Service increased limit for advice-related complaints compound matters and mean advisers have been grappling with higher premiums, soaring excesses and tighter restrictions. The difficulties have been highly documented and the FCA recently announcing its latest measures to protect consumers means the process of securing cover is unlikely to ease any time soon. But it's not all doom and gloom. ...