Insurance

Flight Diverted for a Medical Emergency: Can You Claim Compensation? UK, EU and Global Rules

Airlines usually deny compensation for medical-emergency diversions under UK261/EU261. A 2020 English court ruling found the opposite. Here is the CAA position, the ruling, and how the US and Canada compare.

14 Jul 2026 · 6 min read

What Happens If You Fall Ill on a Plane? Global Rules on Diversion, Doctors and Costs

Medical emergencies happen on 1 in 604 flights globally. Here is who decides to divert, whether doctors must help, who pays, and how children's cases differ from adults', grounded in CDC, NIH and peer-reviewed data.

14 Jul 2026 · 7 min read

UK Wildfire Risk 'Exceptional': What Home Insurance Covers in a Fire

Parts of England and Wales face 'exceptional' wildfire risk as record heat continues, with a major incident declared in North Wales and fires reported nationwide. What buildings and contents insurance actually covers, and what to do if you're affected.

12 Jul 2026 · 6 min read

Travel Insurance for Over 60s UK: Cover and Costs Compared

Travel insurance for over 60s: premiums typically run 15% to 30% above over-50 rates, annual policies suit early retirees taking more trips, and medical screening starts becoming routine. The missing decade between over-50s and over-65 guidance, covered properly.

12 Jul 2026 · 9 min read

EE vs O2 vs Vodafone Phone Insurance: Add-Ons Compared

Network phone insurance add-ons cost £6 to £15 or more a month. It is the channel the FCA has flagged hardest for fair-value concern under Consumer Duty, despite being the most convenient way to buy cover.

12 Jul 2026 · 10 min read

FlexPlus vs Ultimate Reward: Packaged Account Phone Insurance

Nationwide FlexPlus at £13 a month covers all family phones. Halifax Ultimate Reward at £17 a month bundles travel and breakdown cover too. Both can beat separate policies for households with two or more handsets.

12 Jul 2026 · 10 min read

Cheapest Mobile Phone Insurance UK: From 1.49 a Month

Cheapest standalone phone policies start at £1.49 a month, but excesses of £50 to £75 can exceed the payout value on handsets worth under £200, making the cheapest premium the worst value in some cases.

12 Jul 2026 · 10 min read

Samsung Phone Insurance UK: Care+ vs Third-Party Cover

Samsung Care+ starts from £5.99 a month but covers no loss at all. Third-party loss cover for a Galaxy S24 Ultra runs £8 to £11 a month, closing the single gap Care+ leaves open.

12 Jul 2026 · 10 min read

iPhone Insurance UK: AppleCare+ vs Standalone Compared

AppleCare+ with Theft and Loss costs around £13.49 a month for a Pro Max. Standalone specialist policies with loss cover included often run £9 to £12 a month, but the two products protect against different risks.

12 Jul 2026 · 10 min read

Phone Insurance for Refurbished Phones UK: Who Covers Them

Most mainstream insurers exclude refurbished phones or demand a retailer receipt. So-Sure covers handsets up to 3 years old, with up to 40% no-claims cashback for refurbished buyers.

12 Jul 2026 · 10 min read

Phone Insurance Claim Rejected: 42% Overturned at FOS

Phone insurance claims get rejected for negligence, late reporting or missing crime references. The Financial Ombudsman Service received over 4,000 phone insurance complaints in 2023/24 and upheld 42% of them in the customer's favour. Escalation is free after eight weeks.

12 Jul 2026 · 9 min read

NHS Bowel Cancer Screening: Full 2024-25 Data and Private Insurance Options

Complete NHS Bowel Cancer Screening Programme data for England, 2024-25: coverage, uptake, regional and deprivation gaps, and diagnostic test delays, plus what private health insurance actually covers if you want screening outside the NHS programme.

11 Jul 2026 · 7 min read

Charter Fishing in the UK: Permits, Insurance and Risks

The UK's bluefin tuna charter quota has doubled for 2026, but many standard travel policies exclude deep-sea fishing. What permits are needed, and what participants and operators should check on insurance.

9 Jul 2026 · 5 min read

Travel Insurance and Your Medicines: What to Declare

MHRA guidance on medicines and summer routines has a direct link to travel insurance. What UK travellers need to declare, the FCA's new £200 signposting threshold, and what GHIC and EHIC do not cover before you go abroad.

9 Jul 2026 · 8 min read

GHIC Explained: Free UK Healthcare Cover Abroad

The GHIC gives UK travellers free state healthcare cover in the EU and beyond. Here's what it covers, how to apply for free via the NHS, and the scam sites to avoid.

9 Jul 2026 · 5 min read

Vet Fee Reforms 2026: What's Changing for Pet Owners

Defra's White Paper proposes a £21 cap on prescription fees, mandatory price lists and a new vet ombudsman -- the biggest shake-up of UK vet regulation since 1966.

9 Jul 2026 · 7 min read

Public Liability Insurance for Painters and Decorators UK

What public liability insurance covers for UK painters and decorators, typical cover levels for domestic and commercial work, and how it differs from employers' liability insurance.

8 Jul 2026 · 5 min read

Public Liability Insurance for Gas Engineers UK

Gas Safe Register does not check or require public liability insurance for registration. What UK gas engineers need to know about cover levels, employers' liability, and what landlords and local authorities actually expect.

8 Jul 2026 · 6 min read

Getting Help With an Unexpected Vet Bill You Cannot Afford

Where to get genuine help with an unaffordable UK vet bill, including charity vet services, payment plans, and how eligibility for free or reduced-cost care works.

5 Jul 2026 · 6 min read

Does Discussing a Possible Claim With Your Insurer Count as Making One?

Whether simply asking a UK pet insurer about a possible claim counts as making one, why some owners get an unexpected premium increase, and how to ask safely.

5 Jul 2026 · 6 min read

Why Pet Insurance Premiums Rise So Much As Your Pet Gets Older

Why UK pet insurance premiums increase with age, how this differs from a penalty for claiming, and what actually drives the pricing as a pet gets older.

5 Jul 2026 · 6 min read

Switching Pet Insurance: What Pre-Existing Conditions Actually Risk

Why switching UK pet insurance can permanently exclude a pet's pre-existing conditions, what a small number of insurers cover after a set gap, and how to weigh the decision.

5 Jul 2026 · 6 min read

Does Getting a Car Insurance Quote Affect Your Price or Credit Score?

Whether getting a UK car insurance quote raises your price or affects your credit score, and how some insurers really do use credit data in pricing.

5 Jul 2026 · 6 min read

What a Car Insurance Policy Endorsement Actually Is

What an endorsement on a UK car insurance policy actually means, why it is different from a driving licence endorsement, and when it needs declaring elsewhere.

5 Jul 2026 · 6 min read

How Black Box Telematics Scoring Actually Works

How UK telematics car insurance scores your driving, why night driving is often penalised regardless of how you drive, and why removing the box is risky.

5 Jul 2026 · 6 min read

Class of Use Explained: Social, Business and Hire and Reward

What class of use actually means on a UK car insurance policy, why business use must be declared, and why hire and reward is a separate category delivery drivers often need.

5 Jul 2026 · 6 min read

Named Driver vs Your Own Policy: What Actually Makes Sense

The real pros and cons of adding a named driver to a UK car insurance policy versus them taking out their own, and why fronting is insurance fraud.

5 Jul 2026 · 6 min read

Does Making a Car Insurance Claim Always Increase Your Premium?

How a car insurance claim actually affects your premium in the UK, the difference between fault and non-fault claims, and what Protected No Claims Discount really covers.

5 Jul 2026 · 6 min read

Waggel Alternatives UK

UK alternatives to Waggel pet insurance compared on policy type, annual limit, and excess structure, based on published provider terms.

5 Jul 2026 · 3 min read

Waggel vs Petplan Pet Insurance

A factual comparison of Waggel and Petplan pet insurance: cover limits, excess structure, exclusions, and claims process, based on published policy terms.

5 Jul 2026 · 3 min read