Insurance
Excess Levels: Choosing Between Compulsory and Voluntary
The compulsory excess is set by the insurer. The voluntary amount is yours to choose, and it changes the premium immediately.
Insurance
What policies actually pay for, where cover runs out, and how to avoid paying twice for the same protection.
Insurance
Insuring Contents in Shared or Student Housing
Standard contents policies assume a single household. Shared occupancy changes what is covered and how theft is treated.
Insurance
Personal Accident Cover: What It Adds
Pays a fixed sum for defined injuries. Narrow in scope and frequently duplicated by cover you already hold.
Insurance
Insuring Garden Buildings, Sheds and Outbuildings
Usually covered under other structures with a limit and security conditions that are easy to breach.
Insurance
Trade and Tools Cover for Self-Employed Workers
Tools left in a vehicle overnight are excluded by most policies. That single condition causes most declined claims.
Insurance
Wedding Insurance: What It Covers and When to Buy
Covers supplier failure and specified cancellation reasons. Buy early, because anything already foreseeable is excluded.
Insurance
Breakdown Cover: Tiers and What They Include
Roadside assistance is the base. Recovery, home start and onward travel are separate additions that materially change the price.
Insurance
Insuring a Property You Are Selling or Between Homes
Risk passes at different points for buildings and contents. Gaps around moving day are common and avoidable.
Insurance
Group and Employer-Provided Insurance Benefits
Frequently generous, frequently unread, and frequently lost on leaving. Knowing what you hold prevents buying it twice.
Insurance
Making a Claim: Evidence and Timescales
Notify promptly, document thoroughly and mitigate further damage. Most claim disputes trace back to one of those three.