Latest Session · September 2026
Fire, flood and your home insurance
What your home insurance actually pays out when fire or flood strikes — the strict definitions of a storm, the costly trap of under-insurance, and how gradual wear-and-tear or missing smoke alarms can void your claim. Plus simple steps to calculate your true rebuilding costs and gather vital evidence before you speak to your insurer.
— live from the studio —
What your home insurance actually pays out when fire or flood strikes — the strict definitions of a storm, the costly trap of under-insurance, and how gradual wear-and-tear or missing smoke alarms can void your claim. Plus simple steps to calculate your true rebuilding costs and gather vital evidence before you speak to your insurer.
More from Steve on LBC
Earlier segments — press play to listen.
Steve Smart joined Clive Bull in the LBC studio for an in-depth discussion about insurance claims. From understanding your policy rights to challenging unfair refusals, Steve shares expert insights from his decade as General Counsel at AIG and the thousands of cases he's personally handled.
What your car, travel and home policies actually pay out when belongings are stolen from a vehicle — the surprisingly low contents limits, the exclusions for an unlocked car or items left on show, and where home cover can step in. Plus simple steps to protect phones, tech and valuables before anything goes missing.
With jet-fuel prices nearly doubling and flights being cancelled, Steve sets out your rights: why an airline can't raise your fare once you've booked, what the Denied Boarding and Package Travel rules entitle you to, and how FCDO advice against travel decides whether a travel-insurance claim is paid.
The audience
Clive Bull broadcasts on LBC — the UK's most-listened-to commercial news & talk station.
Source: RAJAR Q1 2026 (survey period ending 5 April 2026), as reported by Press Gazette and Advanced Television. Figures are for LBC / the LBC network, not for this individual recording.
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