Insurance
Why Your Insurance Premium Went Up When Nothing Changed
You made no claims, changed nothing, and the renewal is higher anyway. Here is what is actually driving that.
Insurance
What cover actually costs, what the exclusions really mean, and how to avoid paying twice for protection you already have.
Insurance
Gap Insurance on a New Car: Who Actually Needs It
The dealer sells it at the point of maximum pressure. Sometimes it is genuinely useful, and often it is not.
Insurance
Travel Medical Cover vs Your Existing Health Plan
Most domestic health plans do very little once you leave the country. The gap is larger than most travellers assume.
Insurance
Landlord Insurance: What Standard Home Cover Won't Pay
Letting a property you insured as your home leaves you effectively uninsured. The policy is a different product.
Insurance
Umbrella Policies: Cheap Cover for Expensive Problems
Extra liability cover sitting above your existing policies, priced low because the events are rare and the consequences severe.
Insurance
Insuring a Home Business Run From Your Spare Room
Home policies exclude business activity. For many small operations the fix is inexpensive, but it has to be arranged deliberately.
Insurance
Flood Cover: Why Your Zone Doesn't Mean You're Safe
Flood maps describe river and coastal risk. A large share of flooding has nothing to do with either.
Insurance
Critical Illness Cover: Reading the Definitions
The policy pays on specific defined conditions meeting specific severity criteria. Those definitions are the entire product.
Insurance
Insuring Jewellery, Bikes and Other Expensive Items
Contents policies cap individual items at figures far below what many people own. Specifying them removes the cap.
Insurance
What Happens to Your Policy After a Claim
The settlement is only part of it. The effect on future premiums and insurability lasts considerably longer.