Welcome to our November 2024 Newsletter. This weeks product of the month is Unoccupied Property Insurance. Its been well documented that there's a housing shortage in the UK, in the next article we hear why Allianz are concerned where the next generation of houses are being built. Ghost Brokers are definitely a 21st century problem targeting young people on social media so here are some tips to avoid them. My cat is called Pudding - look for your pets name on the top pet names of the year!