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.
FCA and PRA: the UK insurance regulators
The FCA and PRA regulate UK insurance in different ways: conduct versus solvency. See their remits and what their rules mean for the cover you buy.
How to make an insurance claim
A successful claim starts the moment something goes wrong. Know what to do first, the evidence to gather and the time limits that protect your payout.
How insurance works: a contract of indemnity
Insurance is a contract of indemnity. It restores you to the position you were in before a loss, never better off, and that single principle shapes every policy term.
How to read an insurance policy
A policy is easier to read than it looks once you know where cover, excess, exclusions and conditions sit. Here is what to check before you buy.
Exclusions, conditions and warranties explained
Exclusions, conditions and warranties decide what a policy will and will not pay. Understand each term in plain English so a claim is not refused on a technicality.
Premiums, excesses and policy limits
Premiums, excesses and policy limits set what you pay and what you get back. Learn how each works and how to balance cost against the cover you actually need.
How insurers calculate risk and price cover
Insurers price cover from data, models and rating factors such as age, postcode and claims history. See what drives your premium and what you can change.