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No one could have predicted many of the events that took place in 2016.

I believe it will always be remembered for those moments that the clear majority of us never expected would happen.

The three most memorable being Leicester City winning the Premier League, Brexit and Donald Trump being elected as the President of the United States of America. Anyone who predicted all three with a wager, will most probably be sat on a beach somewhere with many millions in the bank.

Maybe 2017 will prove to be more of a “normal” year, but then again what is a normal year?

As an insurance broker, we experience almost daily through our clients the unexpected. Life is not always one of continuous pure bliss, regretfully things happen which can have devastating consequences.

When something unfortunate takes place having put in place insurance to protect against such eventualities can ease the loss or pain to ensure life can continue in the way you would want.

These events can be personal to you and your loved ones but also your business. Family and your business are at the foundation of your life which if like me, you are incredibly proud of and will want to protect.

I don’t agree that in financial terms you must protect at any cost.  A quality insurance policy at a reasonable, affordable cost could be worth its weight in gold if that unexpected hits you. It costs nothing to enquire how much protection you need and what it will cost.  Many of our clients are usually surprised at how low some premiums can be for the amount of cover required.

To all of you I wish you a healthy, happy and prosperous 2017!