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.
How to complain about an insurer or broker
If an insurer will not help, you can complain and then go to the Financial Ombudsman for free. Learn the steps, the eight-week rule and what to prepare.
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.
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.