Dr Petra Lindahl
actuary
Analytical; explains risk pooling
The Insurance Question
A claim lands and the small print suddenly matters. Callum learns what he is and is not insured for at work, at home and in his health, and fights an insurer that would rather he went away.
Planned · not started yet
Money & personal finance Money under pressure Living with uncertainty Competing advice Workplace Bracing Lightly witty
The premise
A claim lands and the small print suddenly matters. Callum learns what he is and is not insured for at work, at home and in his health, and fights an insurer that would rather he went away.
The protagonist
Callum Thornbury-Reid — Self-employed electrician in Cork whose client’s ceiling collapses after a job
The council
Every council member is an original fictional character. None represents, quotes or is endorsed by a real person.
Gwen Castello
claims adjuster
Procedural; documentation wins claims
Abdul Rahman-Kerr
consumer advocate
Combative; challenges unfair refusals
How the story moves
One claim escalates to the ombudsman while Callum reviews his whole life’s cover; the gaps he finds matter when illness strikes his own family.
What readers take away
- How insurance pricing works
- Public liability and professional indemnity
- Income protection and serious-illness cover
- Home insurance and underinsurance
- Exclusions and the duty of disclosure
- Making a claim
- Complaints and the ombudsman
- Reviewing cover annually
- Calculate the sum insured for a home properly
- Understand the average clause and underinsurance
- Read a policy schedule
- Keep evidence for a claim
The books
- 1The ceiling Planned
- 2The policy Planned
- 3The claim Planned
- 4The ombudsman Planned
Book titles are working titles and may change before publication. No book is on sale until the complete series is finished, checked and released.