Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years.
Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective.
The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks.
His in-depth knowledge of various methods of construction has enabled him to easily identify which insurer’s underwriting criteria would best fit each client’s needs and provide the correct levels of cover.
Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others.
He is a member of the Chartered Insurance Institute (CII) and qualified to Level 3 with the CII.
As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6).
As a condition of CII membership, Robert continues his professional development by keeping abreast of the latest industry developments.
A Wake-Up Call for UK Property Owners: Only 7% Are Correctly Insured
Recent data drawn from over 43,000 comprehensive property assessments reveals a startling reality: only 7% of UK properties are insured accurately, while 70% are underinsured and 23% are over-insured.
This points to a widespread miscalibration in property insurance cover, carrying serious financial risks for property owners, insurers, and stakeholders across the built environment.
The Numbers Behind the Claims That Affect UK Property Owners
The data shows that:
7% of properties had sums insured that matched estimated rebuild costs.
70% were underinsured, meaning the insured sum was too low.
23% were overinsured, with sums insured higher than necessary.
While there has been some improvement in recent years, the overall picture remains concerning. Mis-insurance is endemic across the UK.
Infographic courtesy of ReBuildCostAssessment
Why So Many Properties Are Mis-Insured
Several factors explain the widespread mismatch between insured values and actual rebuild costs:
1.Rising Rebuild Costs
Construction costs for labour and materials have surged, leaving many policies out of date.
2. Stale Valuations
Many property owners and insurers fail to revisit insured sums regularly, meaning valuations quickly fall out of alignment with reality.
3. Confusion Between Market Value and Rebuild Cost
Owners often mistake the market value of a property for what it would cost to rebuild, when in fact insurance is based on reinstatement value.
4. Geographic and Property Type Variances
Certain property types, particularly lower-value ones, are disproportionately underinsured.
5. Overinsurance Is Wasteful
While underinsurance is more dangerous, overinsurance leads to unnecessarily high premiums without added benefit.
The Consequences of Mis-Insurance
For underinsured properties:
Claim settlements may be reduced under the “average clause,” leaving owners out of pocket.
Owners may face significant shortfalls when repairing or rebuilding.
In severe cases, insurers may even refuse claims.
For overinsured properties:
Policyholders pay more in premiums than necessary.
Owners may develop a false sense of security, believing they are better protected than they actually are.
At a systemic level, widespread underinsurance undermines the stability of the insurance market and creates risks if catastrophic events occur.
Why choose the Property Insurance Centre
Independent advice by approachable staff online or by phone
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Specialists in Commercial & Residential Insurance
We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.
Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.
Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.
We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.
Get In Touch:
[contact-form-7 id="12585" title="New Callback"]We accept most payment types including:
Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years.
Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective.
The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks.
His in-depth knowledge of various methods of construction has enabled him to easily identify which insurer’s underwriting criteria would best fit each client’s needs and provide the correct levels of cover.
Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others.
He is a member of the Chartered Insurance Institute (CII) and qualified to Level 3 with the CII.
As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6).
As a condition of CII membership, Robert continues his professional development by keeping abreast of the latest industry developments.
Contents
- 1 Robert Fisher
- 2 A Wake-Up Call for UK Property Owners: Only 7% Are Correctly Insured
- 3
- 4 Insurance under one roof
- 5 We are specialists in many types of insurance
- 6 The Numbers Behind the Claims That Affect UK Property Owners
- 7 Why So Many Properties Are Mis-Insured
- 8 The Consequences of Mis-Insurance
- 9 Block of Flats
- 10 Unoccupied
- 11 Home Insurance
- 12 Residential Landlord
- 13 Land Liability
- 14 Commercial Property
- 15 Lockup Garage
- 16 Restaurant
- 17 Takeaway
- 18 Classic Car
- 19 Mixed Use
- 20 Tradesmen
- 21 Why choose the Property Insurance Centre
- 22 Independent advice by approachable staff online or by phone
- 23 Access to a wide range of insurers to source suitable insurance cover for your needs
- 24 Bespoke Insurance Schemes & Portfolio Policies available
- 25 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 26 Competitive Premiums
- 27 Cover available for the buildings while the property is being converted, renovated or extended
- 28 Over 40 years experience working with the best insurers in the UK
- 29 Excellent communication so that you understand what risks you are insured against
- 30 Why choose the Property Insurance Centre
- 31 Independent broker with staff you can speak to by phone or online
- 32 Access to a wide range of insurers to source suitable insurance cover for your needs
- 33 Bespoke Insurance Schemes & Portfolio Policies available
- 34 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 35 Competitive Premiums
- 36 Cover available for the buildings while the property is being converted, renovated or extended
- 37 Over 40 years experience working with the best insurers in the UK
- 38 Excellent communication so that you understand what risks you are insured against
- 39 Why choose the Property Insurance Centre
- 40 Independent broker with staff you can speak to by phone or online
- 41 Access to a wide range of insurers to source suitable insurance cover for your needs
- 42 Bespoke Insurance Schemes & Portfolio Policies available
- 43 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 44 Competitive Premiums
- 45 Cover available for the buildings while the property is being converted, renovated or extended
- 46 Over 40 years experience working with the best insurers in the UK
- 47 Excellent communication so that you understand what risks you are insured against
- 48 Specialists in Commercial & Residential Insurance
- 49 Get In Touch:
- 50 We accept most payment types including:
- 51 UK Call Handlers & Dedicated New Business Team
- 52 Call Us on 0800 085 3761
- 53 Robert Fisher
