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Insurance guides

Our insurance guides cover everything you could ever need to know about insurance, whether it is home, car, pet, travel or phone, we offer top tips to prevent you voiding your cover.

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Do You Need Business Interruption Insurance?

Business interruption insurance could save your company if an unexpected event, such as a fire or a burglary, stops you from trading.

When it pays out

Is it worth getting gap insurance?

Gap insurance can protect the value of your vehicle if you have an accident or it is stolen, but is it worth buying? Here is how to work out if gap insurance is right for you.

How does gap insurance work?

If you have bought a new car, a gap insurance policy can cover the loss in value if your vehicle is written off. Here is how gap insurance works.

How to find the right European breakdown cover

Breaking down on holiday is the last thing you want. But if it happens to you it’s important to have the right breakdown cover in place. Here's what you need to know.

How to make a wedding insurance claim

If you have wedding insurance and something goes wrong on your big day, your policy is there to cover the cost. Here is how to claim on your wedding insurance policy.

What is wedding insurance?

Your wedding could be one of the most expensive things you ever pay for, so it is worth having insurance in case something goes wrong. Here is how wedding insurance works.

What is over 50s life insurance?

You may find it harder to get life insurance as you get older, but there are still policies available that could give you peace of mind. Here are your options if you are over 50.

What is a whole of life insurance policy?

If you take out a whole of life insurance policy, you are almost guaranteed to get a payout when you die. Here is how it works and what types you can choose from.

ASU vs income protection insurance

ASU and income protection both pay an income if you can't work, but choosing the right one is vital to protect your household finances. Here is how to choose the right cover for you.

5 things you need to know before you buy critical illness cover

Critical illness cover can give you the peace of mind that you will receive a payout if you unexpectedly fall ill. Here is how to find the right critical illness policy for your needs.

Which life insurance policy is right for you?

Choosing the right policy depends on how long you need cover for, the payout amount and how you want it paid. Here is how to get the best life insurance policy for your needs.

What is term life insurance?

If you want to pay off a large debt when you die, a term life insurance policy could be for you. Here is what term life insurance is and how it works.

How to insure your pet to travel abroad

If you want to take your pet with you overseas you should make sure they are properly insured. Here is how to find pet insurance that covers your pet abroad.

A first time buyer guide to buildings insurance

There are a lot of costs to consider when buying your first home, but buildings insurance is one you can’t ignore.

How to choose health insurance

The right health insurance policy can give you fast access to private treatment if you are unwell or suffer an injury. Here is how to find health insurance that covers everything you need.

How does private health insurance work?

Private health insurance can pay out for a range of treatments for illnesses and injuries. Here is how it works and what types you can get.

Empty road through a village, with small houses on either side of the road.

How to insure your second home

If you own a second home in the UK, you may need specific home insurance to protect it. Here is how to cover your second home.

The most important insurance you probably don't have

You may be used to sorting out cover for your car, home, pet, gadgets and more, but have you forgotten to sort out the most important insurance?

Can home insurance cover flooding?

If your home floods, the costs of repairing the damage can be huge, so it pays to have a home insurance policy that can cover the cost. Here is how to find a policy that can cover flooding.

How to claim on a life insurance policy

Losing someone is heart breaking, but a life insurance policy lessen any financial burdon the loss places on dependent family members. Here is how to deal with their life insurance claim.

How to cut the cost of your life insurance

You could save money on your life insurance by making sure you have the right policy and level of cover. Here is how to get the right cover for the best price.

What to do if your vehicle breaks down

If you break down on the road it can be scary and stressful, but knowing what to do can help you stay safe while you get help. Here is what to do if your vehicle breaks down.

8 easy ways to cut your travel insurance costs

Travel insurance could save you thousands if something goes wrong when you are away, but do not pay over the odds for cover. Try these eight ways to keep the cost down.

See how to save on travel insurance

Stressed man with luggage sitting on bench at airport

Does travel insurance cover cancellation?

If you’ve booked a holiday, the last thing you will want to do is cancel it, but sometimes can end up out of your control. If the worst does happen, travel insurance can ease the burden, here is when and how you can get your money back following a cancellation.

What is dental insurance?

Dental insurance is a good way to make sure you can afford any dental treatment you might need. We explain how the cover works, who should get it and what to look out for in a policy.

Can you get cover for extreme sports abroad?

If you love doing extreme sports on holiday, make sure you have cover in place before you travel. Here is what sports you can get cover for, and how to find the right policy.

How to manage your pet insurance policy

Pet insurance is critical for any pet owner, but how do you make sure it’s valid when you need to claim? Here’s everything you need to know about managing your pet cover.

happy-senior-couple-at-the-wheel-of-boat

What is boat insurance?

Whether you have a yacht, narrowboat or dinghy you need to make sure it is protected on water and land. Here we explain everything you need to know about boat insurance.

Can you get breakdown cover when you have broken down?

Breakdowns are always bad news and worse when you haven’t bought cover in advance and the weather’s ugly. But you can still get help if your vehicle has let you down – though the cost can soar. Here are your options.

Should you get short term van insurance?

Short-term van insurance can be a good option if you only need to insure a van for a short period of time. Here’s what you need to know.

Do you need commercial breakdown cover?

If you use your car or van to earn a living, or you manage a fleet of vehicles, keeping them on the road is essential. Here is everything you need to know about commercial breakdown cover.

How does van insurance work?

Understanding what insurance you need if you drive a van is important if you want to get the right cover at the right price. Find out more in our guide.

Make sure your pet insurance pays out

Protecting your pet with a good insurance policy is a great way to help keep them healthy, but making a successful claim is not always guaranteed. Here are the exclusions to look out for.

What is golf insurance?

Golf can be a pricey hobby, but you can protect yourself and your expensive equipment with an insurance policy. Here is how golf insurance works.

How to manage your home insurance policy

Once you have insured your home, you need to keep your cover up to date to make sure it stays valid. Here is how you can manage your home insurance policy.

What is home emergency cover?

If you have a problem in your home that needs fixing straight away, a home emergency policy can get you the help you need. Here is what home emergency cover can protect you against.

What does contents insurance cover?

A contents insurance policy will protect your personal belongings, whether you own or rent your home. Here is what home contents cover can protect you against.

This is an image of a house in need of repair

What does building insurance cover?

Protecting your home with buildings insurance can save you a great deal of money if something goes wrong. If you’re wondering precisely what buildings insurance covers, this guide has the answers.

How to claim on your home insurance policy

If your home is damaged or burgled it can cost thousands to put right, but your home insurance could cover the cost. Here is how to make a home insurance claim.

How couples can save more money on car insurance than singletons

If you're part of a couple you can sometimes save significant amount on your car insurance - this is how being married, in a civil partnership or even just cohabiting with a significant other can result in a cheaper car insurance quote

How to insure yourself to drive someone else's car

If you want to drive a car you do not own, you will still need cover in place. Here is how to make sure you are insured to drive someone else's car.

Disabled drivers' car insurance rules explained

How does having a disability impact what you pay for insurance and are there any financial benefits or services available to help? We explain all

What car insurance cover should you get?

You need a car insurance policy to drive on the roads, but you can choose the level of cover you get. Here is how to work out what cover is right for you.

When does your car need a SORN?

If you have a car you do not drive, you cannot leave it off the road without either insuring it or applying for a SORN. Here is what you need to know about declaring your car off the road.

What is car insurance?

We all need car insurance to drive, but with so much choice finding the right cover can be tricky. Understanding the basics is vital to finding the best policy.

Young couple having fun driving electric scooters through the city.

What is electric scooter insurance?

Do you know all the rules around electric scooters for adults? And do you have the right electric scooter insurance in place? We’ll tell you everything you need to know.

Is it illegal to park on the pavement in the UK?

Discover where you can and can't park in the UK and how to avoid a fine or worse for parking on the pavement or other forbidden areas

Towing vehicles and insurance explained

Towing a caravan or trailer is a great British tradition. But, what laws should you know about to lug another vehicle on UK roads and do you need insurance?

What is indemnity insurance?

If you’re buying or selling a property, you might be encouraged to take out indemnity insurance. Indemnity insurance could protect you against some of the things that could go wrong with your property in the future.

What insurance do you need for your taxi?

If you are a new taxi driver looking for cover, or a seasoned pro looking for the best policy, here is everything you need to know about taxi insurance.

How to afford car insurance as a new driver

Passing your driving test is a great reason to celebrate, but before you hit the road you need to be insured to legally drive. As inexperienced drivers are often charged high premiums, it pays to do your research before you buy a policy.

What is skid pan training?

Skidpan training boosts your driving skills and odds of avoiding a crash.

What car insurance cover do I need to drive abroad?

Driving overseas can be a great way to travel, but you need to make sure you are covered in case something goes wrong. Here is how to make sure you have the right insurance before you start your trip.

Do I need car insurance when learning to drive?

Before you start learning to drive you will need to make sure you are covered when you practice on the roads. Here is what you need to know.

Do you need short term car insurance?

If you only need a car for a few days, taking out a short term insurance policy is an affordable and convenient option — here is how to find the best policy.

How do you make a car insurance claim?

Your car insurance is there to protect you and your finances. You hope you never have to, but making a claim is a key part of having a policy. This is how to make a claim on your car insurance policy.

How to manage your car insurance policy

Once you have car insurance you are financially protected when you drive on the roads, but you must keep it up to date. This guide explains how to renew your policy, upgrade your cover and tell your insurer about changes in your circumstances.

What is commercial van insurance?

If you use a van to make a living, it is vital you get the right protection so that you are covered if something goes wrong. Here is how commercial van insurance works.

10 easy ways to cut your car insurance costs

Your car insurance is something you have to pay for, but there are plenty of things you can do to reduce your bill. Here are 10 top tips to cut the cost of your car insurance premiums.

How does a no claims bonus save you money?

Having a no claims bonus is one of the best ways to keep the cost of your car insurance as low as possible. But what is it, and how does it work? Here is how your no claims will save you money.

Woman driving a car with one hand on the wheel and the other on the gear stick.

Can black box insurance save you money?

Black box insurance can be a great way to keep your premiums down, especially if you are a new or young driver. Here is everything you need to know about how it works, and how to find the best policy.

Which car insurance extras are worth having?

You can pay extra for more features on your car insurance policy to tailor it to your needs, but are all worth the cost? Here is what you need to know to get a personalised level of cover.

Man in a wheelchair wearing a red jumper and black gilet, opening the door of a car.

How does car insurance excess work?

When you claim on your car insurance, you usually still need to pay some money yourself. This is called your excess. Here is everything you need to know about car insurance excess.

Can you put your child on your car insurance?

If your child has just started driving their insurance premiums will be sky-high. One way to help them pay less is to add them to your policy, but it comes with a number of risks.

What to do if your car suffers flood damage

If your car has been damaged by flood water, you will need to contact your insurance company to see if they can cover the cost. Here is how to claim against flood damage.

Driving at over 70

A complete guide to getting a new driving licence at 70, including the medical tests. We also explain how to give up your driving licence should you either want or need to.

Pass Plus course explained

Find out about the Pass Plus driving course and what it means for the cost of your car insurance

UK car seats law

Make sure your child is safe and that you stay on the right side of the law with our guide to child booster seats in the UK.

Advanced and intensive driving courses

Find out how advanced driving and intensive driving courses can improve your driving and help reduce the cost of car insurance

Driving after a stroke

This guide explains what you need to know about driving in the UK after a stroke, a transient ischaemic attack (TIA, or ‘mini-stroke), or a heart attack and whether you have to tell the DVLA and your motor insurance provider.

MOT checklist: how to prepare before your test

Discover everything you need to know about UK MOTs - how much it will cost, what is covered in the test, and the checks you can carry out at home to help your vehicle pass

How your occupation effects your car insurance premium

This guide explains why your occupation counts when looking for car insurance. It also reveals the job titles insurers like and dislike.

Claiming for whiplash

Discover the causes of whiplash, how easy it is to make a claim and what efforts are being made to stop fraudulent claims.

Car remapping – is it worth it and will it work for me?

Discover if it's worth remapping your car's engine to improve its economy and performance or whether the risks of a bad remap outweigh the benefits.

A guide to road tax

A complete guide to who pays UK road tax - how to pay it, what documents you'll need and how much it costs for certain vehicles.

Factory fitted immobilisers explained

Discover what a factory-fitted immobiliser is and whether your car has one.

Tips if your car squeaks while driving

If your car is making a squeaking noise while driving, there’s something wrong. Learn more about the usual causes of those squeaks, squeals and screeches and what to do to fix them.

What is breakdown cover?

Whether you drive every day or only occasionally, a breakdown policy gives you peace of mind that help is at hand should something go wrong. Here is how breakdown cover works.

How much does a pet cost?

Getting a pet is an emotional decision, but it’s important not to forget about the cost. Here are some key costs to think about so that you can make sure looking after your pet properly won’t be too expensive.

How to find the right classic car insurance

The right classic car insurance can significantly cut your annual premiums. Whether your vehicle is a vintage classic or a trusty labour of love you can’t bear to replace, this guide has you covered.

What is life insurance?

If you want to be able to give financial security to your loved ones when you die, a life insurance policy could help. Here is how life insurance works.

Most insurers let you add critical illness cover to a life insurance policy. This would pay out if you die or get diagnosed with a serious condition during the policy's term.

Should you get critical illness cover?

Taking out a critical illness policy can be expensive but could be worth it should you get seriously ill. Here is how to decide if you need it and what level of cover to choose.

What is income protection insurance?

If you were unable to work due to an accident, sickness or redundancy, how long would your savings cover your living costs? Here is how income protection could support you.

Do you need mobile phone insurance?

Mobile phone insurance could give you peace of mind, but if you are unlikely to claim you could be wasting your money. Here is how to decide if you need mobile phone insurance.

How to claim on your gadget insurance

If one of your gadgets is lost, stolen or damaged, your insurance could help you cover the cost of replacing it. Here is what you need to know about claiming on your gadget insurance.

What is excess insurance?

Paying an excess for an insurance claim can be expensive, but there is a way to recover the cost. Here is what you need to know about excess insurance.

Airpod max and airpods against an orange background

Should you get gadget insurance?

If you worry about the cost of replacing your gadgets if they are damaged or stolen, a gadget insurance policy could save you money. Here is how to decide if you need gadget insurance.

What is gadget insurance?

If your gadget breaks or gets stolen, a specialist insurance policy can cover the cost of repair or a replacement. Here is how gadget insurance works and how to get the right cover.

How to save with multi car insurance

If you have more than one car at home, insuring them all on one policy is a great way to get a discount. Here is how you and your family could save with multi car insurance.

A buyer's guide to pet insurance

If you want to protect your pet, getting the right insurance policy is essential. Here is what you need to do to find the best cover.

How to insure your pedigree pet

If you have spent a lot of money on a pedigree dog or cat you will want the right insurance in place, especially as they can be more prone to illness than mixed breeds. Here is how to find the best cover for your pedigree pet.

How to claim on your pet insurance policy

If your pet needs to see the vet or goes missing, claiming on your pet insurance can help cover the cost. Here is a step by step guide to making a successful claim.

2 puppies outside playing with a pumpkin.

How to insure multiple pets at once

If you have more than one pet it can be cheaper and easier to insure them on the same policy. Here is how to get the right multi pet insurance for you.

Woman kissing a dog on the head outside.

Can you get insurance for older pets?

As your pet gets older it may be harder and more expensive to find insurance. Here is what to look out for when searching for pet insurance for older animals.

Can you get cover for your pet with existing conditions?

Even If your pet has suffered an illness, you can still find a pet insurance policy to cover them. Here is what cover you can get for your pet's conditions and how to find it.

Should you get income protection?

If you couldn't work due to an accident, sickness or redundancy, you may need to support yourself financially for a long period of time. Here is how income protection could help.

What cover do you need for a golf buggy?

If you own an electric golf buggy or cart, the right insurance policy can protect you if you have an accident. Here is how golf buggy insurance works.

What is a family income benefit policy?

If you want to leave your family an income to live off when you die, rather than a lump sum of money, a family income benefit could be for you. Here is how it works.

How to claim on your excess insurance

If you have to pay to make a claim, excess insurance could help you recover the cost. Here is how to make a claim on your excess insurance policy.

Should you get excess insurance?

Excess insurance can cut the cost of claiming on other policies and protect you from expensive hire car charges. But do you need it? Here is how to decide if it is right for you.

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