Thursday, 25 May 2017

Learn Traditional Martial Arts in Leeds


Our new beginner classes start in May, June and July 2017 (Monday and Wednesday) at 6.00pm for 30 minutes.

Interested in learning traditional Japanese karate in a disciplined but friendly atmosphere ?

Marital Arts are a superb way to meet new people, get fitter, become more confident and for kids to learn respect and discipline.

We have spaces in our Monday and Wednesday beginners classes at Yeadon Westfield Infants School - LS19 7NQ, off the A65 in Yeadon, Leeds.

My beginners classes last 30 minutes and are fun but focused on teaching the basics to allow students from age 5 upwards to gain the skills and confidence to join my main class.

Syllabus is split into easier fun version for kids and full adult beginner syllabus.

Whether you decide to join the club or not, the first two lessons are always totally free.

Come and learn self defence and get fitter with an instructor with 37 years martial arts experience and black belts in two different styles of karate.

Contact Sensei Phil Knight for more information.

Learn Karate in Leeds

If you're interested in learning traditional karate in Leeds I am now accepting new beginners into my karate classes on a Monday and Wednesday evening at 6.00pm.

You can find full information on the club website or e-mail me on :

Sensei Phil

Congratulations to my new yellow belts

In the last few weeks I have graded several of my karate beginners classes (both the Monday and Wednesday classes) to yellow belt and they now join the main class on their day of training.

For some (especially the youngest) it has been quite a journey and taken a lot of commitment and effort to get there and I wanted to give them a shout out on my personal blog.

So very well done to the following students :

Daniel, Jack, Josh and Matilda.

In particular Josh and Jack who have had to really dig deep and work super hard on that kata !

Look forward to seeing you continuing to work hard in the main class and aim towards that organ belt grading.

Sensei Phil

Tuesday, 23 May 2017

We Stand With Manchester

Woke up this morning and blearily checked my BBC News app on the phone on the way downstairs and I'm not ashamed to say I stood in my living room a little while later and wept as I watched the story begin to unfold on the TV.

Those poor people .....

My thoughts go out to all of those people who have been and will continue to be affected.

Obviously Manchester has been targeted before by terrorists (the Arndale bombing in 1996) but this feels more personally visceral for a number of reasons. Firstly I live in Leeds and in recent years have spent quite a bit of time on business and with the family in Manchester. I've been to the MEN Arena several times myself for concerts and of course I have two children in a not dissimilar age range to the kids that would have been there and affected last night.

I'm not personally affected by the tragedy I would stress but still feel as if I've been punched in the stomach.

I am not a journalist nor an investigator and it is not for me to say, at this stage, who may or may not have been responsible. I will leave the investigation to the police and the recriminations to the politicians.

What I will say is that this is an absolute outrage. A cowardly attack on innocents. It should not go unpunished.

Personally I would consider myself a liberal and a non-reactionary but moments like this make me want to devolve to my baser instincts. That however is what 'they' want. Terror attacks are designed to frighten, to disrupt, to change behaviour and ultimately to make us lash out at those responsible, or rather those we think responsible and thus give justification and legitimacy to the terrorists.

Wednesday, 17 May 2017

Factors to consider when reviewing medical insurance for personal clients

The other night as I was falling asleep I tried to count up in my head how many personal and corporate medical insurance client reviews I've done over the last seven years since I first set up my practice.

I lost count very quickly.

Looking at my master client folders on my Mac there are over 640 files for clients and prospects and I must have done multiple reports and reviews for some of the earlier clients for whom I've now handled six or seven renewals.

Looking at one insurers whose quotes I can tally, just for individual clients their system is showing that I have keyed 1029 separate quotes onto their system. That's just personal clients where they were not the holding broker for the case and were appropriate to consider for the client.

Over the years I'll bet I've easily done between 2,000 and 2,500 individual reviews and reports for new and renewing clients.

Each one is slightly different as you might imagine but there are some basic underpinnings that sit behind the thought process when starting a review for each client :

1) What do they want/need to achieve ?

2) Is what they have/ want appropriate ?

3) Can they afford it. Is it good advice for them to have a particular plan, benefit or feature ?

4) What do they have at the moment, is it suiting their needs - is it expensive or overpriced ?

5) What is their underwriting requirement - if they're a new client what type of underwriting might be appropriate. If they have cover already have they made recent claims, can they consider a move of insurer.

6) Will an insurer accept them on switch (some insurers won't accept scheme leavers on certain types of underwriting). Some insurers will not accept certain professions e.g. doctors.

7) Can we create a plan that fulfils the clients needs and is within their budget.

For each of those 600 odd clients, over 2,500 plus reports there are a series of up to a dozen individual decisions to consider as above. That's before we even get down to the literally hundreds of plan options the 15 or so insurers I regularly use and quote have on their plans.

10,000's of choices, features, ideas and other important issues to consider over time.

Medical insurance is on of those weird products that seems on the face of it quite simple : Private treatment once you've been referred by your GP for out-patient tests, consultations and then, if required in-patient or day case treatments and follow ups.

This apparent simplicity hides the basic sometimes forgotten premise : when you're dealing with people's money and health things get complex real fast. I've been looking after medical insurance for client and professional introducers for decades now and I still learn new things every day.

If you need a review of the cover you have in place. If you'd like new cover or if you're an adviser of some kind (IFA, General Broker or Accountant) who'd like help with a client - let me know. I'm happy to provide another review for you, for free.

Let me help you through the maze of decisions.  

Phil Knight
Independent Healthcare Consultant
07792 075748

Tuesday, 16 May 2017

IFA's - the importance of reviewing medical insurance clients

It's very easy when a clients medical insurance renewal arrives from an insurer for an adviser to follow the path of least resistance. To send the terms straight out to the client without considering a review of the market, assuming the terms and benefits are still ok.

Over the last 23 years I have been involved in literally hundreds of such cases both as a broker consultant for insurers and then since 2010, as an adviser working primarily with professional introducers. In both parts of my career I've said the same thing : I don't think you can ever assume that the renewal terms offered by an insurer (and indeed the benefits package) are fine moving forwards. More particularly a PMI plan, personal or company sponsored needs reviewing in-depth and detail at least every two to three years.

The FCA now asks intermediaries and insurers to formally suggest clients might want to 'shop around' at each renewal and whilst this will not apply to every client (those claiming or who have done so recently for example) it is advice I do adhere for my clients.

So if within your practice you have some legacy PMI clients who've been with their current insurer for while without review it's certainly worth giving someone like me a call to look at a full market review.

I've worked with IFA's since 1994 and as professional introducers to my practice since 2010 and would be happy to chat to any IFA, general broker or accountant who has potential business to look over.
Phil Knight - Independent Healthcare Consultant
07792 075 748