UK PI insurance FAQ — the mega guide

Every recurring UK PI insurance question, answered by a specialist broker. Organised by topic. Each answer links out to the deep-dive page.

Cover-limit and structure

1. What is aggregate vs each-and-every-claim? → Deep dive
2. Are defence costs inclusive or additional? → Deep dive
3. Is my PI limit enough? → Adequacy check
4. What is a layered PI programme? → Deep dive

Cost and renewal

1. How much does PI insurance cost? → Full answer
2. Why did my PI premium go up? → Five reasons
3. How to reduce my PI premium? → Six levers
4. When should I renew? → Timing guide
5. What is the PI renewal negotiation checklist? → Full checklist

Sector-specific

1. Solicitors 1 October SRA MTC → 1 Oct guide
2. Architects ARB + BSA 2022 → Renewal guide
3. Accountants ICAEW/ACCA → Renewal guide
4. Surveyors RICS → Renewal guide
5. Engineers ICE/IStructE → Renewal guide
6. IFAs FCA + Consumer Duty → Renewal guide

Difficult risk

1. PI insurance with prior claims → Playbook
2. PI insurance after declinature → Recovery route
3. Signs your PI insurer is exiting your class → Diagnostic
4. Adverse claims history → Multi-claim playbook

Claims and notification

1. How to make a PI claim → Step by step
2. Notification vs claim → Distinction
3. PI coverage disputes → Response playbook
4. When your PI insurer goes insolvent → FSCS protection
5. What happens when my client goes into administration → Guide

Consumer Duty

1. Does Consumer Duty apply to my firm? → Decision tool
2. Consumer Duty and PI → Full guide
3. Year-two board report → Content guide

Broker relationship

1. Questions to ask a PI broker → Twelve questions
2. How to compare PI brokers → Twelve tests
3. PI broker fees explained → Fee and commission guide
4. When to change broker → Ten signs

Structural change

1. PI in practice acquisitions → Buyer-side
2. Run-off on practice sale → Seller-side
3. Successor practice PII → Framework
4. Firm mergers → Merger guide
5. Retiring partner PI liability → Continuing exposure

Getting cover in place

1. Do I need PI insurance? → Two-minute answer
2. Is PI insurance mandatory? → By profession
3. What does PI cover? → Scope
4. What info do I need for a quote? → Checklist
5. What to ask when buying? → Ten questions

Frequently asked

Related reading

• PI insurance glossary
• PI insurance state-of-market UK 2027
• PI cost comparison across UK sectors
• PI renewal timeline by UK profession