Sarah Jenkins is a Chartered Insurance Broker (ACII) with over 18 years of experience in the UK general insurance market. She has worked as both a senior underwriter and a claims manager for major insurers. Sarah specializes in interpreting complex policy exclusions and helping clients secure payouts for high-value home and motor claims.
Sarah Jenkins spent the first decade of her career in the claims department of a leading UK insurer, where she saw firsthand why legitimate claims are often rejected due to technicalities. This experience drove her to become a broker, where she now fights in the corner of the policyholder. She holds the advanced diploma from the Chartered Insurance Institute, demonstrating her technical mastery of risk transfer. Sarah writes extensively on the 'fine print' of insurance contracts, covering topics from 'average clauses' in home insurance to the nuances of 'uninsured driver promises' in motor policies. She is passionate about consumer education, explaining the difference between 'market value' and 'agreed value' to prevent financial shocks after a total loss. Her advice is grounded in current Financial Ombudsman Service (FOS) decisions and the Insurance Act 2015. Sarah helps clients navigate the trap of auto-renewals and advises on bespoke cover for non-standard risks, such as high-performance cars or homes in flood-risk areas.