A slipped disc, a car crash, months of depression — none of these trigger a critical illness payout, but they can all trigger an income protection claim. Here is how the two policies actually differ, and what real UK cover costs.
Protected no-claims discount is one of the most misunderstood add-ons in UK car insurance — it guards your discount tier, not your premium. Here's what actually happens after a claim.
If a UK-authorised insurer collapses, the Financial Services Compensation Scheme steps in to cover eligible policyholders' claims. The rate of protection depends on whether the policy is compulsory, long-term or general insurance.
UK insurers have tightened cyber cover since 2023 with state-backed attack exclusions and ransomware sub-limits. Here is what a standard small-business policy actually pays for in 2026 — and where the gaps sit.
IPT is a 12% tax baked into every UK insurance premium, invisible on your renewal notice, and it added over £9 billion to the Treasury last year alone.
The Renters' Rights Act, in force since May 2026, doesn't change insurance law directly — but it has reshaped landlord risk enough that rent guarantee cover, legal expenses insurance and pet damage protection now matter far more than they used to.
Vet fee inflation, not more claims, is what's really pushing UK pet insurance premiums up in 2026. Here's how lifetime cover, excess structures and Consumer Duty renewal rules actually affect your bill.
A prolonged dry spell across parts of England is pushing subsidence claims higher, with insurers turning to satellite ground-movement data to assess the damage faster.
Your GHIC card handles state hospital treatment in the EU and nothing else. Here's what UK travel insurance still has to cover before you fly this summer, and what the FCA changed on 1 January.
Most UK car insurance covers you in Europe — but ‘covers’ often means the legal minimum, not your full policy. Here’s what to check before you cross the Channel this summer.
UK staycation demand is surging in 2026, and more owners than ever are driving motorhomes or towing caravans without cover that actually matches what they own — here's what a proper policy pays for, and where the gaps are.
A marquee firm going bust three weeks before the big day sounds rare, until you see how many suppliers over-extend every British wedding season with no fallback if one collapses.