Independent UK insurance guides covering life, pet, home, appliance and income cover. Every article is built from FCA, ABI and FOS primary sources with no commissions and no lead routing.
Data under Open Government Licence v3.0.
Insurers often define a storm as involving wind speeds of around 55 miles per hour or more, or extreme rain, hail, or snow, and standard buildings insurance covers the resulting damage.
20 Aug 2026 · 7 min read
Fresh dog food brand Years has recalled its buckwheat meals over a suspected link to canine dry eye, affecting around 40,000 customers. What owners need to know and how pet insurance may respond.
18 Aug 2026 · 4 min read
Subsidence is when the ground under a property sinks and its foundations move, often after dry weather shrinks clay soil. Most standard buildings insurance covers it, though a high excess (typically £1,000) applies. In Q2 2026 the average subsidence claim hit a record £20,000 (ABI).
6 Aug 2026 · 7 min read
Most standard home insurance covers storm and flood damage: buildings cover pays for repairs, contents for belongings. In 2025 the average home flood payout hit £30,000 and the average storm payout £2,450 (ABI). Cover, excesses and exclusions vary; gates and fences are often excluded.
5 Aug 2026 · 7 min read
44,000 evacuated from the Gironde coast at peak British holiday season - your rights by booking type, and why you should never cancel first.
25 Jul 2026 · 3 min read
683,000 people in England receive council-funded long-term care, including more than 1 in 9 over-85s, new data shows. Who pays under the means test, why insurance mostly cannot cover care, and the planning levers that exist.
23 Jul 2026 · 9 min read
B&M fined £2 million over food hygiene failings at three Birmingham stores. Why commercial insurance cannot cover the fine, and what it can cover instead.
22 Jul 2026 · 7 min read
Standard travel insurance covers 0 of a rental car's own damage: the hire agreement governs that. What some travel policies add is car hire excess cover, paying the excess you owe after damage or theft. Standalone excess policies do the same job, usually cheaper than desk waivers.
21 Jul 2026 · 6 min read
Tenant liability insurance covers accidental damage you cause to your landlord's property: the carpet, fixtures and furniture. With deposits capped at 5 weeks' rent, it is what stands between an accident and losing the deposit or a larger claim. It usually comes bundled with renters' contents cover.
21 Jul 2026 · 6 min read
It depends what you leave in the property. There are 2 landlord contents situations: furnished lets, where your furniture and appliances need cover, and unfurnished lets, where limited cover for carpets, curtains and white goods is often enough. Tenants' belongings are never yours to insure.
21 Jul 2026 · 6 min read
Contents insurance is the only product that protects your belongings: buildings insurance covers 0 of them. Whether it is worth it comes down to what replacing everything you own would cost after a fire or theft, versus a modest premium. For most households the honest sum says yes.
21 Jul 2026 · 6 min read
Standard landlord insurance covers the boiler only against insured damage, such as fire or flood. Breakdown from age or wear is excluded unless you add home emergency or boiler cover. Landlords must also have gas appliances safety-checked every 12 months regardless of insurance.
21 Jul 2026 · 6 min read
A landlord's insurance stack has 4 core covers: buildings insurance at rebuild value, property owners' liability, loss of rent, and landlord contents for furnished lets. Add-ons like rent guarantee, home emergency and legal expenses sit on top. Here is what each does and who needs which.
21 Jul 2026 · 6 min read
Yes: renting to family changes 2 things but removes neither. You must still disclose the letting to your insurer, and many standard landlord policies restrict or exclude family lets, so the arrangement needs declaring and sometimes a specialist policy. Informal family lets void cover fastest.
21 Jul 2026 · 6 min read
No UK law makes landlord insurance mandatory, but 2 forces make it near-essential in practice: buy-to-let mortgage conditions that require it, and the gap it fills, since standard home insurance is typically invalid once tenants move in. Here is what actually applies to you.
21 Jul 2026 · 6 min read
No: comprehensive car insurance and breakdown cover are 2 separate products. Fully comp covers accidents, theft and damage; it does not send a patrol when your car will not start unless a breakdown add-on was bought. Here is how to check what your policy actually includes.
21 Jul 2026 · 6 min read
If you break down with no cover you have 2 routes: buy instant one-off cover, usually at a premium and often excluding the existing fault, or pay a recovery operator directly for a single rescue. Get safe first, then choose. Here is how each route works and what to check.
21 Jul 2026 · 6 min read
Most standard UK breakdown policies carry a 0 excess: call-outs are included in the membership with nothing to pay per rescue. Some budget and insurance-bundled policies charge a per-call-out fee instead, trading a lower premium for a cost at the roadside. Here is how to check yours.
21 Jul 2026 · 6 min read
Onward travel is the top breakdown cover layer: if your car cannot be fixed quickly, the provider funds one of 3 things - a replacement hire car, overnight accommodation, or alternative transport - so the journey survives the breakdown. Here is how it works and who needs it.
21 Jul 2026 · 6 min read
Home start covers breakdowns at or near your home address. Many standard policies only attend when the car is more than about 0.25 miles from home, so a car that fails to start on your drive may not be covered without it. Here is how home start works and who actually needs it.
21 Jul 2026 · 6 min read
Breakdown cover pricing is driven by 4 main choices: cover level, personal vs vehicle structure, how many people are protected, and add-ons like European cover. Basic roadside cover costs least; family and onward travel tiers cost most. Here is how the price is built.
21 Jul 2026 · 6 min read
UK breakdown cover includes roadside assistance and repair as standard, with recovery, home start and onward travel at higher levels. Providers fix most faults at the roadside: the AA reports repairing around 4 in 5 vehicles attended. Here is what is and is not included.
21 Jul 2026 · 6 min read
Whether family members can use your breakdown cover depends on the policy type. Vehicle cover protects anyone driving the named car; personal cover protects only you; family cover protects up to 4 people at one address. Here is how to check who is actually protected.
21 Jul 2026 · 6 min read
Aviva has launched a home insurance app on ChatGPT in 2026, the first product of its partnership with OpenAI. New customers answer a short set of questions inside ChatGPT and receive an initial quote for Aviva's Signature Home Insurance in a couple of minutes.
20 Jul 2026 · 3 min read
Chase has launched its first UK insurance product, Chase Protect, at £12.50 a month. The bundle covers worldwide travel insurance, mobile phone insurance and car breakdown cover, with purchase and claims handled entirely through the Chase banking app.
20 Jul 2026 · 3 min read
Vodafone phone insurance starts at £2 a month for Screen Damage cover, rising by device tier for Damage and Breakdown or Loss, Theft, Damage and Breakdown policies underwritten by Assurant. Policies cancel automatically after three successful claims in any 12 month period.
20 Jul 2026 · 6 min read
TSB mobile phone insurance is only available through legacy Added Value Accounts such as the £22 a month Platinum account, which covers phones worth up to £2,000 with reconditioned replacements. The current Spend and Save accounts do not include phone cover.
20 Jul 2026 · 6 min read
Tesco Mobile Protect prices premiums and excesses by device value, is administered by Asurion and underwritten by WDP Insurance, and includes next day replacement and unlimited claims. Cover renews monthly and ends automatically after 60 months on the same device.
20 Jul 2026 · 6 min read
O2 Insure Damage Cover starts at £3 a month and Full Cover from £6, with premiums and excesses set by the device's replacement cost. Full Cover adds loss and theft, worldwide cover, breakdown within 3 years and next day exchange, with replacements possibly refurbished.
20 Jul 2026 · 6 min read
Home contents insurance covers phones inside the home, but cover away from home needs a personal possessions extension and accidental damage is usually optional. The Financial Ombudsman upheld 30 percent of resolved complaints in 2025/26, and phone claims can affect home premiums.
20 Jul 2026 · 6 min readGet Kael Tripton in your Google feed
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