IGotCover

IGotCover IGotCover helps UK limited companies protect their business, key people, and families if the unexpected happens.

With over 10 years’ experience, we support businesses across a wide range of industries with clear, dependable business protection advice.

01/09/2026

A second death whole of life policy pays out only when the second partner dies.

One common reason people choose it is health, it still covers a couple even if one partner already has a condition that makes cover difficult alone.

The other is inheritance tax, since it's timed to match when a tax bill typically actually falls due.

Save this if you're planning around inheritance tax as a couple.

31/08/2026

Josiah Wedgwood was the potter, obsessive about quality, constantly experimenting with new techniques.

Thomas Bentley was the one who took Wedgwood's work to London, ran the showrooms, and built the relationships with the aristocracy and Queen Charlotte herself that made "Wedgwood" a name the upper classes wanted in their homes.

The partnership began in 1769. Bentley died suddenly after an illness in 1780, still in his forties.

Wedgwood was reportedly devastated, and had to turn to a friend, the scientist Erasmus Darwin, simply to help him keep the business running in the immediate aftermath.

Wedgwood carried on and built one of the most recognised names in British manufacturing.

But he did it without the person who'd built half of what made the business work in the first place, with no real plan in place for that gap.

Most business partnerships split responsibilities this way, one person builds the product, one person builds the relationships that sell it. Very few have worked out what happens if one half is suddenly gone.

28/08/2026

If your estate is valued over the inheritance tax threshold, here are three ways you can plan for that bill before it becomes urgent. Save this and work out which of these fits your situation.

26/08/2026

If something happened to you, it's not one cost, it's two: what it means for the business, and what it means for your family.

As a limited company director, you need to work out which one applies to you, and more often than not, it’s both.

26/08/2026

If you're paying for life insurance out of your own salary, you're doing it the expensive way.

Relevant life cover - the tax-efficient way to protect your family, that nobody tells directors about.

25/08/2026

Christopher Haskins met Gilda Horsley at Trinity College Dublin.

When he proposed, her father agreed to the marriage on one condition: that Haskins joined the family business, a small East Yorkshire dairy company called Northern Dairies.

Haskins joined in the early 1960s, not out of ambition for the business, but to marry the woman he loved. He worked his way up over the following years, eventually becoming chairman, a role he held for over two decades.

Under his leadership, the business transformed into Northern Foods, a major supplier to Marks & Spencer, Tesco and Waitrose, growing turnover from £300 million to a peak of £2 billion.

He stepped down as chairman in 2002, and died in 2026, more than two decades later.

Most people assume the person running a major company always planned to be there. Sometimes the person who ends up building something significant only got involved by accident, or, in this case, by a condition attached to a marriage proposal.

20/08/2026

If you've already optimised your salary, life insurance is often the next thing worth applying the same thinking to.

A lot of directors sort one and forget the other. Save this and check what else could be more tax-efficient.

17/08/2026

Vichai Srivaddhanaprabha bought Leicester City in 2010, when the club was a modest Championship side.

Under his ownership, backed by his King Power business empire, Leicester won the Premier League title in 2016, one of the most unlikely results in the sport's history.

He was known for regularly flying in and out of the King Power Stadium by helicopter after matches.

On 27th October 2018, shortly after taking off from the pitch following a home game, his helicopter suffered a mechanical fault and crashed just outside the stadium.

He died along with four others on board, aged 60.

An inquest years later confirmed the deaths were accidental, caused by a fault in the helicopter itself.

Vichai wasn't just a figurehead.

He was the person whose backing, decisions, and financial commitment had shaped the entire direction of the club for eight years.

His death was sudden, entirely unconnected to health or age, and left his family and organisation dealing with the loss of someone who mattered profoundly to how those businesses ran.

Most business owners assume there'll be a warning. There often isn't.

14/08/2026

You built your business for the people who depend on you. But is your life cover set up to actually protect them?

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