Insurance Lawyers in Cardiff

Here are some articles related to your search selection.

Overview of insurance for business

There are numerous types of insurance cover available for businesses. Some must be taken out by law, others aren’t mandatory but are highly advisable for all businesses, while still... more

I want to make an insurance claim

Steps to follow Have you suffered some sort of loss which is covered by an insurance policy? If so, first check your policy to ensure it’s worth making a claim – most... more

I have injured myself at work

Steps to follow If you’ve been injured at work, you should (if you are capable of doing so) record the details of the incident in your employer's accident book. (All employers,... more

I have a motoring injury

Steps to follow As soon as the accident has taken place, obtain and exchange information with all other drivers involved including full names, registration numbers, insurance company... more

I want to start a company

Steps to follow Start small, think big. Keep your expenses as low as possible, but leave yourself scope to expand. On the other hand, don’t choke off possible growth by scrimping on... more

Preparing to meet your lawyer

Once you have arranged your first meeting with a solicitor, it’s a good idea to gather your paperwork together and work out what questions you want to ask. Otherwise, you could end up... more

Overview of motor accidents

There are thousands of motor accidents on the UK’s roads each year. If you are unlucky enough to be involved in a motoring accident, you are likely to be involved in a subsequent... more

Choosing a wills and probate lawyer

According to lawyers in the know, an increasing number of disputes over wills are ending up in the courts. These disputes are often bitterly contested and can have a devastating effect on... more

Renting a business property - obligations on a commercial tenant

A lease or tenancy is an "estate in land" and is a legal agreement between you and the landlord allowing you to use the premises, subject to pre-agreed conditions. It can be... more

Choosing a personal injury lawyer

Have you been injured in a road traffic accident, or developed a psychological condition that you believe is the result of an earlier trauma? Did a doctor fail to diagnose an illness, or... more

Injury of a member of staff at work

Employers have a duty to tell their employees about health and safety issues that may affect them, to provide relevant safety equipment and training, and to provide a safe place to... more

What documents do I need when meeting a lawyer?

You want to ensure that your first meeting with your solicitor is as useful as possible. To ensure your solicitor thoroughly understands your problem and can provide you with proper legal... more

Overview of stakeholder pensions

Duty to provide stakeholder pensions Under the Welfare Reform and Pensions Act 1999, most businesses which have five or more employees, are required to provide access to a stakeholder... more

Overview of bankruptcy

What is bankruptcy? If you are an individual and you are insolvent, i.e. you have debts which you are totally unable to repay, then you may have to consider bankruptcy as an... more

Living together wisely

Despite popular belief, there is no such thing in the UK as “common law marriage”. If you and your partner are living together you have considerably less rights than couples who... more

Types of businesses

Different types of business have different legal structures and the kind you choose will depend on the sort of business you have and what you want out of it. The tax/national insurance and... more

I want to sell my company, I want to buy a company

Steps to follow Whether you are buying or selling a business, the first step is to put a value on it. This is a negotiable matter. Valuing a business is a complex process, so consider... more

Writing a will

Why write a will? Failing to make a will means your belongings will be distributed according to the laws of the country you live in – which may not be in the manner you would... more

Commercial leases

Renting a commercial property for your business requires less financial outlay than buying, freeing up your capital to plough into your business and, unless you plan to sell the remaining... more

Overview of starting a new job

Pre-employment checks You’ve made it through the interview and you’ve been offered a new job – all good news, but it’s a wise idea to get the job offer in... more

Checklist for selecting a lawyer

Whatever your legal problem, you take a big step towards resolving it when you hire a good lawyer. This in itself, however, can be tricky. Where do you find the best lawyer for you, how do... more

Overview of retirement

Retirement Age You can retire at any age you want – as long as you can afford it – but the default retirement age in the UK is 65. When you reach this age your employer can... more

Problem tenants

Renting out property is not as easy as it might look to the outsider. The landlord has many responsibilities towards the tenant, and must take care of a multitude of repairs, insurance and... more

Overview of personal tax

The government collects taxes from individuals through HM Revenue & Customs (HMRC) under a variety of different headings including: Income Tax, Capital Gains Tax (CGT), Inheritance Tax... more

The points system

Driving carelessly, while over the limit, or too fast, means you may have points added to your licence. Once you have a certain number of points, you may be banned from driving for a... more

I want a mortgage

Steps to follow Make sure your credit rating is in good shape – some companies do free credit checks. You can improve your credit rating by: registering on the electoral roll at... more

I want to buy or sell a property

Steps to follow Seller issues the contract package which consists of a draft contract, Official Copies of the legal title, copies of any deed/documents which affect the title, a Sellers... more

How to get access to and manage the estate of a deceased loved one

The death of a loved one is a distressing time. There are practicalities surrounding death which need to be taken care of, such as arranging the funeral and winding up the estate of the... more

Buying or selling business premises

Buying Businesses tend to rent premises rather than buy them as finding vacant commercial premises for sale is often hard. Buying also tends to tie up what could be crucial capital and... more

I have a health and safety issue

Steps to follow If you’re worried that conditions at your workplace are a potential threat to your health and/ or safety, first of all explain your concerns to your employer, or... more

Overview of speeding laws

Speeding laws exist for a purpose—breaking the speed limit contributes to more than 727 deaths and 4,555 injuries every year. It was a factor in a quarter of fatal road accidents in... more

I have committed a traffic offence

Steps to follow Police have the legal right to stop any motorist at any time. They don’t have to give you a reason and it’s a criminal offence if you fail to stop. When... more

Generally meeting with your lawyer

Before your initial meeting with your lawyer, you may be wondering what will happen at the meeting. What will be discussed, and what questions should you ask? What will the lawyer ask... more

I have a tax issue (corporate tax)

Steps to follow If you are a limited company, you will have to pay corporation tax on any profits at the end of the financial year. Partnerships have to pay income tax. Then there are... more

Questions to ask when meeting a lawyer

Sometimes you will have no choice but to seek advice from a lawyer about a legal problem. If you meet a lawyer and decide that you want to engage their services, you will want to get the... more

Overview of loans, mortgages and guarantees

Businesses often have to borrow money, and how to do this is a question it pays to research. Borrowing may be necessary while the business is starting up, if a big order comes in, or if... more

I want a pension

Steps to follow The state pension is worth less than £5,000 per annum for a single person, and about £7,500 for couples. You can draw it, if you have paid enough national... more

I need to restructure my company

Steps to follow There are many reasons for restructuring a company—realising value from assets, downsizing the workforce, streamlining and simplifying, taking it in another... more

Overview of employment rights (personal)

Employees and workers in the UK enjoy a number of employment rights by law. You are classed as an employee if you are a working under a contract of employment. Employment... more

Overview of accidents at work

Earning a living can be hazardous. And it’s not just occupations like firefighting and construction work that are dangerous—office work can also lead to injury. Unfortunately,... more

Invasion of privacy

Personal information is freely given in everyday transactions, from paying for goods at a supermarket to filling in health insurance forms. Consequently, there is a vast amount of... more

I need a will

Steps to follow There are a number of good reasons for making a will: not least that you can arrange your affairs so your loved ones pay less tax after you’ve gone; and you can... more

Drink driving and defences to drink driving

Drink driving ruins lives. There is no safe limit of alcohol, because each person’s tolerance depends on a range of factors such as metabolism, stress levels and weight. If you have... more

Can I cut the pay of my staff?

In harsh economic times, most companies start to examine how they can cut costs and save cash, with eyes almost inevitably turning to the company’s employee wage bill which will... more

An employee has committed a criminal offence

Steps to follow Do you genuinely believe on reasonable grounds that the employee committed the offence? This is the test that a tribunal will apply if you dismiss the employee and the... more

Salvaging a business

Every company has its ups and downs but you need to ensure your business can run as a viable concern in the good times and bad. If your company is having problems, there are several things... more

I have a health and safety issue

Steps to follow Employers have a duty of care to their workers and to visitors to their premises. Their duty extends to providing a safe place to work, preventing risks to health,... more

Business restructuring

Business restructuring can mean a host of different things, including downsizing the workforce, mergers, acquisitions, debt for equity swaps, and corporate simplification. Businesses... more

Rights to maternity leave

If you’re an employee and expectant mum, you’re entitled to 26 weeks of ordinary maternity leave (OML) and 26 weeks additional maternity leave (AML) which – as long as you... more

Overview of identity theft

You are a victim of identity theft if someone pretends to be you in order to steal money or gain some other sort of benefit. Offences It is an offence to possess, control and intend... more

Overview of product liability and product liability defences

  If you supply products to consumers you need to make sure they are safe. The main responsibility for ensuring this safety lies with the product’s manufacturers but if your... more

Overview of marriage

Who can get married? Any two people can get married in the UK provided they are: Aged 16 or over Of different sex Not too closely related Unmarried and not in... more

I need to borrow money

Steps to follow How much do you need to borrow? How soon can you pay it back? How quickly do you need it? What assets do you have? These questions need to be answered before you can... more

Becoming a British citizen

There are six forms of British citizenship, some of which are defined in the British Nationality Act 1981. They are: British citizenship; British overseas... more

I have a tax issue

Steps to follow If you’re unhappy with HMRC’s service – eg unreasonable delay, an avoidable mistake, or how you’ve been treated – first talk to the person or... more

Overview of commercial agreements

Joining commercial ventures with other businesses may be an attractive proposition, especially, for example, if you or the other party want to sell your products in unfamiliar... more

Repossession of a home you own

Pre-action protocol There are certain steps your lender must take before it takes action to repossess your home, which are set out in a ‘pre-action protocol’. This applies... more

I want to trade internationally

Steps to follow Where do you want to trade? Is it within the EU or outside? You will need to do thorough research to ensure you are complying with all relevant laws and... more

Overview of buying and selling a property

Buying or selling a property is, for many, a major life event. It can be a complicated process, but there will be plenty of professional help on hand to guide you through the various... more

I want to rent or let a property

Steps to follow Renting The easiest way of finding a private residence to rent is through a letting agency. The agency may also manage the property on the landlord’s... more

Estates planning

Estate planning is the process of disposing of an estate in a way which is designed to eradicate uncertainties over the administration of a probate and maximize the value of the estate. If... more

Overview of fraud in businesses

Definition of fraud  In England, Wales and Northern Ireland, the fraud laws were overhauled by the Fraud Act 2006 which came into force in 2007. It introduced a statutory... more

I have an employment issue

Steps to follow Are you an employee? Your employment status determines what rights you have. If you are paid a salary, do the work personally rather than sub-contract it out, if your... more

Overview of employment rights (business)

As an employer in a UK company you have a number of duties and obligations to the people working for you under employment legislation. The duties you have depend largely on what category... more

I am a victim of crime

Steps to follow Report the matter to the police as soon as possible. Dial 999 if it’s an emergency, otherwise, report it to your local police station either in person, via phone or... more

Buying or selling a business

There are a number of steps that need to be worked through when you are buying or selling a business. These include: valuing the business tax advice sales... more

I need help with an elderly relative

Steps to follow If you have an elderly relative who increasingly needs looking after and you’re responsible for sorting out their care, you must first decide where they are going to... more

Company filing requirements

Every company has a duty to prepare a set of accounts which report on the company’s performance and activities during the financial year. A copy of these accounts must be sent to... more

Overview of the minimum wage

National Minimum Wage rates Since April 1999 most workers in the UK have been legally entitled to a minimum wage. The National Minimum Wage (NMW) rates are set based on recommendations... more

International trade

Sales and distribution overseas   If you want to sell your wares overseas, you need to decide how you’re going to distribute them. You might opt to sell them directly, e.g.,... more

Problems with goods and services

Goods  All consumers have rights when they buy faulty goods from someone acting in the course of trade, although the type of rights you have may depend on what you bought and how... more