Insurance
Underinsurance: The Clause That Reduces Every Claim
If the sum insured is too low, the insurer can cut a partial claim by the same proportion. It applies to losses of any size.
Insurance
How cover is priced, where claims fail, and which policies are worth holding — assessed on the wording rather than the advert.
Insurance
Insuring a Property During Renovation Work
Standard home cover frequently lapses once building work starts or the property is left empty.
Insurance
Multi-Car Policies and Whether They Save Money
Convenient and sometimes cheaper. The saving depends entirely on the mix of drivers and vehicles.
Insurance
Income Protection vs Sick Pay: Covering Lost Earnings
Pays a regular income when illness or injury stops you working. Broader in scope than critical illness cover.
Insurance
Public Liability Cover for Sole Traders
Covers injury or damage you cause to others while working. Frequently required by clients before they will engage you.
Insurance
Insuring a Classic or Modified Vehicle
Specialist policies use agreed value and mileage limits, and cost considerably less than standard cover for the same vehicle.
Insurance
Second Home and Holiday Let Insurance
Standard home cover excludes both periodic vacancy and paying guests. They are different risks needing different policies.
Insurance
Legal Expenses Cover: What It Actually Funds
Commonly bundled with home or motor policies and rarely read. Useful within limits, with significant conditions.
Insurance
Insurance for Freelancers and Contractors
Which policies matter depends on what you do and what your contracts require. Several are commonly overlooked.
Insurance
How Insurers Handle a Total Loss Valuation
The first offer is a starting position based on trade guides. Evidence of comparable vehicles moves it.