Buildings vs contents insurance
Buildings insurance covers the structure, contents covers what is inside. Understand both, why you may need them together, and where gaps leave people exposed.
Escape-of-water claims explained
Escape-of-water claims are the costliest home insurance claim. Learn what is covered, the common causes, and how to avoid a dispute with your insurer.
Why home insurance premiums are moving
Home premiums are moving with claims inflation, rebuild costs and climate risk. See what is pushing prices and what to check before you renew.
Underinsurance and the average clause
Underinsurance and the average clause can cut your payout by the same proportion you are underinsured. Learn how the clause works and how to set the right sum.
Flood and storm cover in home insurance
Standard home policies cover storm damage but flood is separate, through Flood Re. Understand what is included and the excesses that shape a claim.
Third-party vs comprehensive motor cover
Third-party cover meets the legal minimum, comprehensive adds your own car. See what each level pays for and why cheapest is not always best value.
Consumer Duty and what it means for insurance
Consumer Duty requires insurers to deliver fair value and good outcomes, not just compliant paperwork. See what the bar means for you as a customer.
How insurance settlements and payouts work
From accepted claim to money in hand, a settlement can be paid in cash, by repair or on an indemnity basis. Understand the steps and the choices involved.
The Financial Ombudsman Service and insurance disputes
The Financial Ombudsman settles insurance disputes for free when you and your insurer cannot agree. See how it works and when to bring a complaint.
Insurers, brokers, MGAs and underwriters: who does what
Insurers, brokers, MGAs and underwriters each play a distinct role in UK insurance. Understand who does what and where your cover actually comes from.