Insurance & money
Life, pet and contents cover, warranties, and how to beat the loyalty penalty at renewal.
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Contents insurance: do you need it?
Contents insurance covers your possessions against theft, fire and damage — and renters need it too, because a landlord’s policy doesn’t cover your things.
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Critical illness cover explained
Critical illness cover pays a tax-free lump sum if you’re diagnosed with a serious illness the policy lists. Here’s how it works and how it differs from income protection.
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Do you need life insurance?
Life insurance matters most when people depend on your income. Here’s who tends to need it, the main types, and when it’s worth reviewing.
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How to get the best insurance deal
A practical checklist for paying less without losing cover — comparing properly, avoiding auto-renewal traps, setting your excess, and being accurate.
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How to haggle down your insurance renewal
A higher renewal quote isn’t final. Here’s a simple, proven way to compare, then ask your insurer to match a cheaper price — for car, home and more.
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Income protection insurance explained
Income protection pays a regular replacement income if illness or injury stops you working. Here’s how it works, the deferred period, and how it compares to sick pay.
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Pet insurance renewals: what to watch for
Pet insurance is usually annual — but the type of policy matters hugely at renewal, especially for ongoing conditions. Here’s what to check.
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The insurance loyalty penalty: why renewing can cost more
FCA rules now stop insurers charging existing home and motor customers more than new ones for the same policy — but loyalty can still cost you. Here’s how to check.
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Travel insurance: what it covers and when to buy it
Travel insurance covers far more than lost bags — medical emergencies, cancellation and repatriation. Here’s what it does, and why to buy it when you book.
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What insurance does a UK family actually need?
From legally required to nice-to-have: a plain-English guide to the insurance a typical UK family should consider, in priority order, and why each one matters.
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What is an insurance excess (and how to choose it)
Your excess is what you pay towards a claim before the insurer pays the rest. Here’s how compulsory and voluntary excess work — and the trade-off.
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