Insurance Intel @IntelInsurance

Independently-sourced news and analysis for the UK insurance industry. Joined August 2022

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636
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760
Following

770
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Insurance Intel @IntelInsurance

4 years ago

NEWS: L&G names new group corporate affairs director insuranceintel.co.uk/news/people/lg… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Citizens Advice discovers ‘ethnicity penalty’ in car insurance payments insuranceintel.co.uk/news/citizens-… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: LV reports £265m loss in FY22 insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Marsh McLennan appoints two to board insuranceintel.co.uk/news/people/ma… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Canopius Group falls to $25m loss in full-year results insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Pen Underwriting appoints new head of intellectual property insuranceintel.co.uk/news/people/pe… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Flood Re launches consumer campaign to promote Build Back Better scheme insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Everest insurance announces new chairman of european board insuranceintel.co.uk/news/people/ev… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Flood Re launches consumer campaign to promote Build Back Better scheme insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Ecclesiastical Insurance goes electric in drive to net zero insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: RSA to exit UK personal lines motor market insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Swiss Re chair steps down to become UBS chief executive insuranceintel.co.uk/news/swiss-re-… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Lloyd’s Lab welcomes 13 InsurTech firms following pitch process insuranceintel.co.uk/news/insurtech… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Insurtechs & cyber attacks insuranceintel.co.uk/features/insur… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Confused.com appoints new CEO insuranceintel.co.uk/news/insurance… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Sapiens joins WTW’s insurance technology partner network insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Aqueous Underwriting signs three-year deal with Allianz insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: PIB Group acquires Vetop insuranceintel.co.uk/news/business/… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Insurify finalises acquisition of Compare.com insuranceintel.co.uk/news/insurify-… #insurance #insuranceindustry

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Insurance Intel @IntelInsurance

4 years ago

NEWS: Axa Retail extends home insurance for clients housing Ukrainian refugees insuranceintel.co.uk/news/insurance… #insurance #insuranceindustry

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שותפה מנהלת RE Venture Partners
ex- Munich RE המנהלת 300 מילארד יורו מביאה פתרונות מבינלא מדורגים
יור איגוד האינשורטק
#ערבויות #נזילות # ביטוח #גידור

DiklaWagner @DiklaWagner

1K Followers 442 Following שותפה מנהלת RE Venture Partners ex- Munich RE המנהלת 300 מילארד יורו מביאה פתרונות מבינלא מדורגים יור איגוד האינשורטק #ערבויות #נזילות # ביטוח #גידור

Lawyer! ☘️ Exiled Dubliner 💙 LFC YNWA⚽️ Merseyside Woman & Business Leader of the Year 2024.😳 I hate injustice, wilful abuse of power & unnecessary suffering.

Donna Scully @Donna_Scully

10K Followers 8K Following Lawyer! ☘️ Exiled Dubliner 💙 LFC YNWA⚽️ Merseyside Woman & Business Leader of the Year 2024.😳 I hate injustice, wilful abuse of power & unnecessary suffering.

Symsie @iamsymsie

1K Followers 1K Following MotoGP and F1 fan, occasional cyclist, reluctant runner.

Ed Gaze @edgaze

2K Followers 1K Following Tweets are usually short-lived. Interested in InsurTech, fitness, & food. All views are my own.

Protection Review @Protection_Rev

2K Followers 2K Following We don’t think many people from our industry are on X anymore! Please find us on LinkedIn | Sign up link for Bulletin below

Andy Thornley @andrewthornley

1K Followers 1K Following Head of Regulatory Policy at Innovate Finance

UK's most complete critical illness & income protection comparison.
600+ policies.

· Daily updates. Built for IFAs. From £19/mo

📧 hello@critical.co.uk

CriticalIQ @critical_iq

2 Followers 65 Following UK's most complete critical illness & income protection comparison. 600+ policies. · Daily updates. Built for IFAs. From £19/mo 📧 [email protected]

Lis Nimani @LNimani83429

69 Followers 1K Following

geospatial tech analy... @XsxS03359968

0 Followers 15 Following

🇨🇦🇨🇭🇬🇧🇸🇩🇱🇧.#KeepYourEyesOnSudan. Political Campaigner/Commentator. Advocate for Climate Action, Disabilities Rights, Human Rights and Peace Diplomacy.

Noah Atabani @N_Atabani

698 Followers 7K Following 🇨🇦🇨🇭🇬🇧🇸🇩🇱🇧.#KeepYourEyesOnSudan. Political Campaigner/Commentator. Advocate for Climate Action, Disabilities Rights, Human Rights and Peace Diplomacy.

The Regenerative Revi... @regenerativerv

23 Followers 573 Following Join for a weekly recap of what matters in regenerative agriculture -

zack walker @zackwalker14

90 Followers 1K Following

Ideas Gifts Limited @Ideas_GiftsLtd

20 Followers 56 Following Dealers in Promotional Gifts, Branding and Advertising. Your one stop shop for Gift Shopping 💥 We are Ideas+💡

Reema @re_ema89

53 Followers 855 Following insurance and risk management

🎁 Welcome to our Gift Haven! Celebrating Extraordinary Women, One Gift at a Time! 🌟✨ Discover unique treasures at our online store, crafted especially for re

Special Gifts @AnnaMatern52959

188 Followers 4K Following 🎁 Welcome to our Gift Haven! Celebrating Extraordinary Women, One Gift at a Time! 🌟✨ Discover unique treasures at our online store, crafted especially for re

K2 @kimkreke

251 Followers 2K Following

45rpm @gm45rpm

225 Followers 755 Following Soul/mod/funk/jazz vinyl collector. Occasional DJ. General mooching about

Chartered Insurance practitioner/Mech. Engineer/Underwriter/Content Creator/IT enthusiast/Business Analysts

Be the best you want to see in others.

Abdul-Wise @ahmedlekan

742 Followers 2K Following Chartered Insurance practitioner/Mech. Engineer/Underwriter/Content Creator/IT enthusiast/Business Analysts Be the best you want to see in others.

Survivor!! 💪🏻 #thisgirlcan Lover of Gifs, uses far too many emojis 🙈 and clearly obsessed with cats 😻 hence my favourite day is always Caturday!

Una Harrington @UnaMMxxx

296 Followers 2K Following Survivor!! 💪🏻 #thisgirlcan Lover of Gifs, uses far too many emojis 🙈 and clearly obsessed with cats 😻 hence my favourite day is always Caturday!

David Porter @davidrcporter

216 Followers 489 Following #fitat40 #intermittentfasting #proseccosocialist #wolves #wolverhamptonwanderers #notoVAR

I am an Insurtech Geek, Soccer Mom, Wiener Dog Fancier & Iowa Hawkeye Fanatic. I live, eat, sleep & breath insurance claims. Married to a very cool dude.

Robin L. Spaulding, C... @SpauldingRobin

1K Followers 4K Following I am an Insurtech Geek, Soccer Mom, Wiener Dog Fancier & Iowa Hawkeye Fanatic. I live, eat, sleep & breath insurance claims. Married to a very cool dude.

Conor MacH @MacHughConor

169 Followers 2K Following

Ivica Maurovic @iMaurovic

2K Followers 5K Following Global macro investor | Strategic fundamental analysis | Forex | Equities | Bonds & Derivatives 🇺🇸

Joanne King @JoanneK1012

180 Followers 1K Following

Eric Pach @EricPacMan

157 Followers 429 Following

My interests are Hyrox and most sports. I am CEO of JCA Resilience Group, a Quality Management, Business Resilience and Insurance Specialist.

Jeff Alcock @jeff_a2

93 Followers 309 Following My interests are Hyrox and most sports. I am CEO of JCA Resilience Group, a Quality Management, Business Resilience and Insurance Specialist.

Shane Miller @SkippersWif

1K Followers 1K Following CEO | Certified Autism Specialist | Ex-AWS, GEICO, CSC

Prime Insurance Compa... @primeinsco

2K Followers 367 Following Prime offers insurance solutions in all 50 states.

Richard Hartley @r_s_hartley

622 Followers 2K Following Anglo-Irish Iberian.

Chapolindo @chapolindo87

129 Followers 834 Following .

All views expressed here are my own and do not represent the opinions of any entity whatsover with which I have been,am now,or will be affiliated.

Human @bbkwala

6K Followers 5K Following All views expressed here are my own and do not represent the opinions of any entity whatsover with which I have been,am now,or will be affiliated.

Jason Claxton @claxers69

47 Followers 851 Following

Gianpiero Giuttari @GianpieroGG

720 Followers 3K Following CEO & Founder - Despertar🇨🇴🇻🇪 Transformamos la forma en que los servicios financieros te protegen. Somos Despertar. 💚🦾 🇨🇴🇮🇹🇻🇪

The only dedicated #Finance House in the #mobility and #elderly market & the most comprehensive #Insurance policies for #scooters and #wheelchairs.

First Senior Group @FirstSeniorG

635 Followers 1K Following The only dedicated #Finance House in the #mobility and #elderly market & the most comprehensive #Insurance policies for #scooters and #wheelchairs.

Risks (ISSN 2227-9091) is an international #openaccess journal for research and studies on #insurance and #financial #risk management. @MDPIOpenAccess

Risks MDPI @Risks_MDPI

341 Followers 330 Following Risks (ISSN 2227-9091) is an international #openaccess journal for research and studies on #insurance and #financial #risk management. @MDPIOpenAccess

John Katende @JohnKatende

446 Followers 4K Following

BabakaLuThando @MkhanyieLT

283 Followers 700 Following In pursuit of happiness....😉

Huge fan of Leslie Nielsen, Thomas Sowell, RXK Nephew, and the insurance industry. Enjoys making Photoshops. My work was fact-checked by Snopes once.

🇺🇸 Brian C. Lam... @BrianCLambeth

1K Followers 2K Following Huge fan of Leslie Nielsen, Thomas Sowell, RXK Nephew, and the insurance industry. Enjoys making Photoshops. My work was fact-checked by Snopes once.

Re-insurance broker/Advisor/entrepreneur.20 years international Dev director @axa.Initially #mathematician #economist.Always in love with #mountains.My opinions

Philippe Francois @philippeFASCINT

1K Followers 2K Following Re-insurance broker/Advisor/entrepreneur.20 years international Dev director @axa.Initially #mathematician #economist.Always in love with #mountains.My opinions

Building @withAcclaim

Global Insurance / FinTech / Payments / FX. Formerly of Flywire, Immedis, Veem, Corpay and World First. Views are my own.

Matt Teumer (toymer) @Mattypymnts

138 Followers 443 Following Building @withAcclaim Global Insurance / FinTech / Payments / FX. Formerly of Flywire, Immedis, Veem, Corpay and World First. Views are my own.

Michael Morum @mikeanthony71

281 Followers 2K Following ⚒️⚽️⚒️🫧🏉🏏🏌️‍♂️🏈🐬🏀🌉⚾️🗽🎱🎾🚴‍♂️🏎️♟️📺🎬🍿🎶🚢🌊🏝️⛰️🛬Londra, Londres, ロンドン, London and Essex

#Insurance practitioner, interested in #Economics #AI #Brokerage #Commerce. I re/tweet markets' studies & selected insurance markets' news. 🇧🇪🇪🇺

Naim TAKIEDDIN @NT_Insurance

570 Followers 437 Following #Insurance practitioner, interested in #Economics #AI #Brokerage #Commerce. I re/tweet markets' studies & selected insurance markets' news. 🇧🇪🇪🇺

Eustachy Motyka (Mare... @EustachyMotyka2

7K Followers 6K Following #CrazyforPazzi. #insurance, #claims, #lossadjuster. RT ≠ endors. https://t.co/4pNMjxDgKA #mobilephotography

Redstor @Redstor

2K Followers 3K Following We enable MSPs to discover, manage and protect customer data in the simplest, smartest & safest way.💪💻☁️

Do not go gentle into that good night,
Old age should burn and rave at close of day;
Rage, rage against the dying of the light. #UTV

Yosty🦁 @yostyvillan

421 Followers 928 Following Do not go gentle into that good night, Old age should burn and rave at close of day; Rage, rage against the dying of the light. #UTV

Amit Bhalla @uramit

83 Followers 370 Following Follows You

Janis Avercenko @Avercenko

65 Followers 397 Following

The Son of Man @lincolnmthembu

2K Followers 4K Following God is watching

BILL10NS 🇺🇬🇸... @ogwe_guy

2K Followers 5K Following Insurance || Risk Management || Ntungamo

Colin Whitehair @afcsilverfox

302 Followers 1K Following AFC Wimbledon & fine wine fan. Business leader, family guy. Tennis playing aspiring golfer!

Mark Reddy @markoreddy

93 Followers 212 Following

Marcus Hewston #AVFC ... @MarcusHewston

1K Followers 2K Following Love my wife and kids 👪 retired Grenadier Guards💂🏻‍♀️and proud to have served my Queen & Country! #AVFC

Sharon Bennett @clickbenno

273 Followers 1K Following VR46 fan and loves MotoGP, also shouts for Ducati’s, VR46 Academy Riders.

Greg @CFP_Greg

978 Followers 2K Following

Margie M. @wordsbyM

1K Followers 4K Following Marketer and Pop Culture Enthusiast (All views are my own and RTs aren’t endorsements.)

Dean Johnson @Deanojohnson

499 Followers 886 Following West Ham season ticket holder. My views and opinions are my own. Wallop.

DiklaWagner @DiklaWagner

Donna Scully @Donna_Scully

10K Followers 8K Following Lawyer! ☘️ Exiled Dubliner 💙 LFC YNWA⚽️ Merseyside Woman & Business Leader of the Year 2024.😳 I hate injustice, wilful abuse of power & unnecessary suffering.

Symsie @iamsymsie

1K Followers 1K Following MotoGP and F1 fan, occasional cyclist, reluctant runner.

Ed Gaze @edgaze

2K Followers 1K Following Tweets are usually short-lived. Interested in InsurTech, fitness, & food. All views are my own.

Protection Review @Protection_Rev

2K Followers 2K Following We don’t think many people from our industry are on X anymore! Please find us on LinkedIn | Sign up link for Bulletin below

Andy Thornley @andrewthornley

1K Followers 1K Following Head of Regulatory Policy at Innovate Finance

Abiola Owobiyi @owotwi

72 Followers 1K Following

K2 @kimkreke

251 Followers 2K Following

PRMS, manager of The Psychiatrists' Program, is a professional liability insurance program with proactive risk management & a proven claims defense record.

Professional Risk Man... @prms

695 Followers 384 Following PRMS, manager of The Psychiatrists' Program, is a professional liability insurance program with proactive risk management & a proven claims defense record.

Growth Media @GrowthMediaUK

2K Followers 3K Following Business Growth Specialists #Marketing #Agency #Tech #News #Daily https://t.co/MuB0JUhF12

#EmergencyCleanup for #flood , #fire and #mold. On call 24/7 #NJ. Emergency Hotline 732-842-6917. The clean you expect. The service you deserve!

ServiceMaster @Smbyreplacement

237 Followers 2K Following #EmergencyCleanup for #flood , #fire and #mold. On call 24/7 #NJ. Emergency Hotline 732-842-6917. The clean you expect. The service you deserve!

We're an independent, family owned Wholesale MGA serving insurance professionals in NY, NJ & MA. We offer commercial, professional and personal lines coverage.

Sovereign Group Intl @SovGroupIntl

90 Followers 457 Following We're an independent, family owned Wholesale MGA serving insurance professionals in NY, NJ & MA. We offer commercial, professional and personal lines coverage.

Studio Cicciomessere @S_Cicciomessere

64 Followers 140 Following

VO management model @mdjsatpam

87 Followers 588 Following Need 100 PR model cewek, cantik, Ex pramugari, SPG, model, host, Income 1 sd 2 juta per hari. minat ?? hub : wa/call : 087788506999.

Digital consumer analytics, competitor intelligence, sales journey benchmarking - informing leaders to improve conversion, competitiveness & customer experience

Global Reviews @GlobalReviews

776 Followers 1K Following Digital consumer analytics, competitor intelligence, sales journey benchmarking - informing leaders to improve conversion, competitiveness & customer experience

Context Visualised @CoViAnalytics

371 Followers 151 Following Software for Insurers, MGAs & Lloyd's. Track regulatory rules as part of operations. Make decisions with context.

Unique Solutions, Extraordinary Personal Attention, and an Uncompromising Commitment to You. Check out our new podcast: https://t.co/HJFu3EUaaD

The Haney Company @TheHaneyCompany

267 Followers 910 Following Unique Solutions, Extraordinary Personal Attention, and an Uncompromising Commitment to You. Check out our new podcast: https://t.co/HJFu3EUaaD

Official account of Allianz SE Economic Research. RT ≠ endorsement.Questions? Please contact: allianz.research@allianz.com
Imprint: https://t.co/MZrT4JJNAu

Allianz Research @AllianzResearch

3K Followers 2K Following Official account of Allianz SE Economic Research. RT ≠ endorsement.Questions? Please contact: [email protected] Imprint: https://t.co/MZrT4JJNAu

Ed Heffernan @edwardj3338

62 Followers 395 Following I am a licensed life insurance agent.

RONAK SHAH @shahronak5291

54 Followers 363 Following Public Servant; Nationalist; Insurance Fellow

Bundled Insurance Quotes for Superior Savings and Service. Personal and Commercial Insurance Agency. Auto, Home, Life & Commercial. Contact us today.

BenFranklinInsurance @BenFranklinii

238 Followers 839 Following Bundled Insurance Quotes for Superior Savings and Service. Personal and Commercial Insurance Agency. Auto, Home, Life & Commercial. Contact us today.

Ryan McGough @ryanmcgough23

273 Followers 1K Following

Cadogan PR @CadoganPR

83 Followers 257 Following

45rpm @gm45rpm

225 Followers 755 Following Soul/mod/funk/jazz vinyl collector. Occasional DJ. General mooching about

#HRS identifies mass tort claims recovery opportunities for healthcare payers. Innovative Patented Approach. Follow us! #DiscoverWhatYouHaveBeenMissing

Healthcare Recovery S... @hrs_recovery

487 Followers 963 Following #HRS identifies mass tort claims recovery opportunities for healthcare payers. Innovative Patented Approach. Follow us! #DiscoverWhatYouHaveBeenMissing

anand keskar @AnandKeskar

55 Followers 309 Following INSURANCE SOLUTION PROVIDER L.I.C.OF INDIA & NEW INDIA ASSURANCE

jay @Jay_life_stoner

160 Followers 1K Following

Scott T. Kemery @ScottTKemery

12K Followers 17K Following Writer

Joy Brzezynski @joybrzez

71 Followers 126 Following Marketing Communications Assistant @MunichRe_US. All view are my own.

WaterCop USA @TheWaterCopUSA

271 Followers 2K Following WaterCop is the proven lead in leak detection and automatic water shut-off systems. Contact us at 800-545-3636

Full service insurance brokerage providing impaired risk, life, annuity, disability, and long term care insurance products to agents nationwide.

Milner Financial @MilnerFin

646 Followers 904 Following Full service insurance brokerage providing impaired risk, life, annuity, disability, and long term care insurance products to agents nationwide.

Helping to bring peace of mind to your financial future. We particularly enjoy helping people that have had (#Diabetes, #Cancer, #Stroke) to get life insurance.

Alliance Fin. Svcs. @AllianceFinSvcs

84 Followers 372 Following Helping to bring peace of mind to your financial future. We particularly enjoy helping people that have had (#Diabetes, #Cancer, #Stroke) to get life insurance.

Donovan Brown @g_donovanbrown

509 Followers 1K Following Family. Gators. Politics.

Kyeyo Radio @kyeyoradio

637 Followers 2K Following Reaching out to all East Africans in the Diaspora

Bollington CLA @cla_info

307 Followers 50 Following Independent insurance broker providing a bespoke service to your business that will save you time and money

David Smith @davidsmith4324

2K Followers 3K Following Working for SAS UK & Ireland to explain and bring to life all things #analytics, #AI, #BigData & #IoT. All opinions are my own.

GJIS @gjisltd

291 Followers 1K Following GJIS Limited - Global Jewellery Insurance Services: Providing insurance for jewellers since 1977

Matt Silva @MattSilva00

203 Followers 551 Following Professional Sports Capper. Professional Poker Player. Sports Enthusiast.

https://t.co/A5znhQKRM4 will search and compare the very best policies for you. Get an insurance quote today! This page is not monitored.

First Insurance @First4Insurance

1K Followers 321 Following https://t.co/A5znhQKRM4 will search and compare the very best policies for you. Get an insurance quote today! This page is not monitored.

They said Insurance can't be fun.. We beg to differ.

Experts on #homeowners, #auto, #business, and #health #insurance! Call 888-253-8498 to start saving now.

Setnor Byer @SetnorByer

242 Followers 392 Following They said Insurance can't be fun.. We beg to differ. Experts on #homeowners, #auto, #business, and #health #insurance! Call 888-253-8498 to start saving now.

Fashion Expert @smashingfashion

260 Followers 1K Following

Krina Amin @amin_krina

338 Followers 862 Following Artist and sustainability enthusiast

Mark Parsley @markparsley99

55 Followers 303 Following

migitanarestaurante @MIGITANAR1

68 Followers 440 Following cocina española amenizada con show flamenco y música en vivo

Uğurlu Çapulcu @Uur_Demirel

84 Followers 875 Following

Cregan Kelly O'Brien are a Dublin based financial planning and insurances company with over 30 years experience providing professional independent advice.

Cregan Kelly O'Brien @ckob_ire

355 Followers 1K Following Cregan Kelly O'Brien are a Dublin based financial planning and insurances company with over 30 years experience providing professional independent advice.

Protecting and preserving your interests

Business address:
1227 Buena Vista St. Suite D
Duarte, CA 91010
+1 626-358-4663

TRL Insurance Marketi... @TRLInsurance

153 Followers 503 Following Protecting and preserving your interests Business address: 1227 Buena Vista St. Suite D Duarte, CA 91010 +1 626-358-4663

http://t.co/ut6hwB5eaH is a trusted insurance comparison site. Our aim is to save you money & time by finding you the best deals from the UK’s top providers.

QuoteSupermarket.com @QuoteSuperMkt

2K Followers 944 Following http://t.co/ut6hwB5eaH is a trusted insurance comparison site. Our aim is to save you money & time by finding you the best deals from the UK’s top providers.

Dani Cabero @CaberoDanni

62 Followers 572 Following

Richard Gavan @RichardGavan

93 Followers 194 Following Love my beautiful wife, @kellygavan, and our three beautiful children.

Bespoke Cleaning @Bspoke_cleaning

206 Followers 399 Following When off the peg cleaning just won't do. Helping the UK shine, since 2005.

MAHESHWAR KUMAR @KUMARMAHESHWAR

328 Followers 7K Following

The journey from concept to product begins with an idea ©

Anideallc @anideallc

Captive Insurance Tim... @CITimes

1K Followers 898 Following All the latest captive insurance industry news, interviews with industry experts, and features on current topics. You can subscribe for free to keep updated.