The rise of machine

The rise of machine learning, or AI, is a common feature these days particularly when you buy car, home or liability insurance. Insurance is based on trust. The main rating factors such as age, occupation and where you live determine what an insurer will set as the premium. Over 10 million people buy their insurance on aggregator sites or comparison sites such as Compare the Market & Confused.com and the temptation to change the information you input to make yourself older or live in a lower risk area is too much for over 20% of customers who lie when buying their insurance.

The crazy thing is that insurance companies these days know where you live. They know how old you are and they know your credit ratings and previous claims and convictions because your data is available – for a price. Insurers pay £millions on what is known as “data enrichment.” If for example you default on a direct debit to your energy supplier, that information is purchased by insurers who will then set their computer “algorithms” to decline or charge you more. Unlike most countries around the world the UK insurers share your claims and driving experience with other insurers, so if you apply for cover without disclosing a previous incident, conviction or bankruptcy you will find that your new insurer will cancel your policy, as they will also do if you claim to live at an address you are not registered at. These days we see just as many enquiries from people who have been cancelled by one or two insurers (due to non-disclosure of previous conviction/bankruptcy) and are now unable to obtain cover even when they come clean and disclose all their correct information.

We are a small team of 10 (including the office dog) that focus entirely on the 11 million people with criminal records along with the millions with adverse financial history such as bankruptcy and IVA’s. Our fully trained have been helping and protecting Inside Time readers and their families access essential cover for over 15 years and underwrite many of our own products. We are on-hand to provide expert personal advice to anyone who may have any issues or concerns with property, motor or business insurance.

David Child – SIS Insurance
https://www.saleinsurance.co.uk

PCUK SPONSORED BUNGEE JUMP

5th OCTOBER 2008 – FREE ENTRY- JUMP HEIGHT 160ft

We have finally organised the PCUK sponsored bungee jump for the 5th October 2008. Should anyone wish to join us, you are more than welcome to come along. We appreciate the support many of you have given PCUK which has enabled us to grow from strength to strength. We have our fingers crossed that this event will bring enough sponsorship in to keep us going for yet another year. If anyone wishes to sponsor us, we have an online sponsorship form here . Please note that no money is to be paid up front, it is just for us to keep as a record of who has sponsored us.

Located in Datchet close to Windsor Castle with a five minute drive from Junction 5 off the M4 motorway. The bungee jump site is set in a fantastic location, it is the most visited site in the UK for bungee jumpers. As the main London bungee jumping venue, it is the closest site to central London, with South Western trains operating a service from London’s Waterloo Station. A park land setting, it has great views across to Windsor Castle and the surrounding countryside. On a clear day central London is visible with landmarks such as Canary Wharf and the Wembley Stadium Arch. Located at the Liquid Leisure Water-ski and Wakeboard Park it has great facilities with a lakeside cafe serving tea, coffee and hot snacks, there is also as a bar located in the club house for those wanting to unwind after their jump.

Liquid Leisure Water-ski and Wakeboard Lake
Horton Road
Datchet
Berkshire
SL3 9HY

It is easy and safe to sponsor us from here

If you have any questions regarding the bungee jump, then please contact us

Best regards

PCUK

Link of the month

Launched in 1990, Inside Time is the only monthly National Newspaper for Prisoners. A total of 35,000 copies of each monthly issue is distributed free of charge throughout the UK prison estate and sent to a vast number of individuals and organisations involved in penal affairs. The website has been developed to give prisoners’ families and friends the opportunity to enjoy the publication free of charge, bring them a greater awareness of the issues prisoners face and hopefully engage them in helping prisoners access the help they need. Both are operated on a ‘not for profit’ basis.

INSIDE TIME NEWSPAPER

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