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Insurance
50 articlesLife, health, auto, and home insurance explained
- Buildings vs Contents Insurance: What's the Difference? Buildings insurance covers the structure, contents insurance covers your belongings. Here's what each covers and whether you need both.
- Car Insurance No-Claims Bonus: How It Works and How to Protect It A no-claims bonus (NCB) reduces your car insurance premium. Here's how to earn, protect, and rebuild it.
- Home Insurance for High-Value Items: Jewellery, Art, and Collectibles Standard home insurance limits cover for valuables. Here's how to insure jewellery, art, watches, and collectibles properly.
- All Life Insurance Types Compared: The Full Decision Matrix Level term, decreasing term, increasing term, whole of life, endowment, over-50s plans, joint life, and critical illness riders — compared with costs and a life-stage guide.
- How to Make an Insurance Complaint: Step-by-Step Guide If your insurer rejects a claim or treats you unfairly, here's how to complain and escalate to the Financial Ombudsman.
- Mortgage Protection Insurance: Covering Your Home Loan Mortgage protection insurance pays your mortgage if you can't work. Here's the different types and how to choose.
- Critical Illness Cover vs Income Protection: What's the Difference? Critical illness cover pays a lump sum for specific illnesses. Income protection pays ongoing income. Here's how to choose.
- Income Protection Insurance: What It Covers and Why You Need It Income protection insurance pays you if you can't work due to illness or injury. Here's how it works and how to choose a policy.
- Insurance Excess Explained: Compulsory vs Voluntary Excess The excess is the amount you pay towards a claim. Here's how compulsory and voluntary excess work and how to choose the right amount.
- Common Insurance Policy Exclusions: What's Not Covered Insurance policies exclude specific situations. Here are the most common exclusions to watch for in home, car, travel, and pet insurance.
- Pet Insurance Dental Cover: What's Included and What's Not Dental treatment for pets can be expensive. Here's how pet insurance handles dental claims and what to look for.
- Travel Insurance: Annual Multi-Trip vs Single-Trip Policies Choosing between annual and single-trip travel insurance depends on how often you travel. Here's how to decide.
- Car Insurance for Modified Cars: What You Need to Know Modified cars can be harder and more expensive to insure. Here's how modifications affect your premium.
- Valuables Claims: What to Do When Jewellery or Art Is Lost or Stolen The step-by-step claims process for lost or stolen valuables — evidence gathering, how insurers value items, speeding up payout, and disputes.
- Multi-Car Insurance: How to Save on Covering Multiple Vehicles Multi-car insurance discounts cover 2+ vehicles on one policy. Here's how they work and whether they save you money.
- Travel Insurance for Pre-Existing Medical Conditions Travel insurance with medical conditions costs more but is essential. Here's how to find the right cover.