EHIC, GHIC and medical emergencies abroad
EHIC and GHIC cover state healthcare in Europe, not cancellation or repatriation. Understand what the cards do and why travel insurance still matters.
Travel disruption and cancellation cover
Cancellation and disruption cover pays when a trip is cut short or cannot go ahead. Understand the triggers, the accepted reasons and the limits.
How the UK insurance market is structured
The UK market blends insurers, the Lloyd’s market, brokers and capital. Understand how risk flows from a customer to the balance sheet that backs it.
What MGAs and coverholders do
MGAs and coverholders underwrite and bind cover on an insurer’s behalf. Understand what they do, and why the arrangement matters to your policy.
Winter sports cover in travel insurance
Winter sports cover adds skiing and snowboarding to a travel policy, usually as an extra. Understand what it pays and the exclusions that catch people out.
Baggage and belongings cover in travel insurance
Baggage cover caps the payout per item and in total. Understand the single-item limits, the excess and what is excluded from a claim.
Public liability vs employers’ liability
Public liability covers third parties, employers’ liability covers your staff and is usually required by law. Understand when you need both.
Business interruption insurance explained
Business interruption insurance replaces lost income when disaster stops trading. Understand what triggers a claim and the indemnity period that limits it.
Landlord buildings vs contents insurance
A let property needs landlord buildings cover for the structure and, sometimes, contents for your own fixtures. See what tenants cover themselves.
Rent guarantee insurance for landlords
Rent guarantee insurance pays lost rent and often funds eviction. Understand what it covers, the conditions that decide a claim, and the waiting period.