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.
Ombudsman upholds more travel insurance complaints
The Financial Ombudsman is upholding more travel insurance complaints, often over disclosure and policy wording. See the disputes customers bring and why firms get it wrong.
UK home insurance premiums ease for first time in two years
Home insurance premiums have fallen for the first time in two years as claims costs ease. Understand what drove the drop and what to weigh before you renew.
FCA flags concerns over motor premium finance
The FCA found motor premium finance still carries high monthly costs and fair-value concerns, even after its remedy. Here is what drivers who pay by instalments should check.