Do any of the insurers guarantee recoverability?
This is rarely available although may occasionally be an option if you agree to insure all cases with the same insurer. One of the main reasons a premium might be reduced will be if it considered by the court to be too expensive. Ways to counter this argument are to either obtain competitive quotations (see our broking service) or keep up to date with other premiums being charged for comparison purposes (see our database service).
