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.
HSBC no longer sells mobile phone insurance to new UK customers. Premier carries travel insurance only and the Select and Cover subscription has been withdrawn. Only existing HSBC Advance customers with a legacy Insurance Aspects policy keep phone cover, at a £75 replacement excess.
20 Jul 2026 · 5 min read
Halifax mobile phone insurance is bundled into the Ultimate Reward Current Account for £19 a month. Cover pays up to £2,000 per claim with a flat £100 excess, up to two successful claims a year, and is underwritten by Assurant, the same insurer as Lloyds' packaged accounts.
20 Jul 2026 · 5 min read
Allianz UK has begun underwriting and administering insurance for Volkswagen Financial Services customers under a new five-year deal covering VW, Skoda, Audi, SEAT and CUPRA, with a two-tier product and five days of free driveaway cover.
17 Jul 2026 · 3 min read
John Lewis Money has relaunched car insurance as a broker product, comparing quotes across a three-insurer panel for the first time, with two new cover tiers and wider eligibility for EVs and higher-value cars.
17 Jul 2026 · 3 min read
A joint FCA, ASA, SRA and ICO taskforce had 170 misleading car finance claims adverts removed in June 2026, taking the total to over 1,200. Here is what was found, and how to claim for free instead.
17 Jul 2026 · 6 min read
UKHSA data compared across 4 bulletins shows injuries, allergic reactions and collapsed with unknown problem are always above baseline, while heat-related calls just turned above baseline during this week's amber heat-health alert.
17 Jul 2026 · 6 min read
NHS newborn screening now tests for Spinal Muscular Atrophy. Here is exactly what the UK Code on Genetic Testing and Insurance says insurers can and cannot use, sourced directly from the Government and ABI agreement.
16 Jul 2026 · 7 min read
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
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
Government confirms pay-per-mile tax for electric cars from April 2028: 3p a mile for EVs, 1.5p for plug-in hybrids, no GPS tracking, on top of existing road tax.
14 Jul 2026 · 4 min read
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 readTravel 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
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
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 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 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
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
NatWest has overhauled its protection insurance range for retail and mortgage customers, expanding critical illness cover to 52 conditions and building life insurance into its digital mortgage journey. Underwritten by Aviva.
12 Jul 2026 · 3 min read
Mazda has appointed insurtech Wrisk to offer monthly rolling car insurance subscriptions for new, used and existing owners, with no fees to change, renew or cancel. What's included and who can use it.
12 Jul 2026 · 3 min read
Asda is expanding into home insurance and relaunching its motor cover, underwritten by Allianz UK, from summer 2026. What's confirmed, and how it fits Asda's wider financial services push.
12 Jul 2026 · 3 min read
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 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
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
From 6 April 2026, voluntary Class 2 National Insurance for periods spent abroad is abolished, and the eligibility bar to pay voluntary Class 3 from overseas rises from 3 years to 10. Here is what that means for your State Pension.
11 Jul 2026 · 7 min read
Lost passport, arrested, hospitalised abroad: what UK embassies and consulates will actually help with, what they won't, and exactly what to do in each situation. Real FCDO figures, not guesswork.
11 Jul 2026 · 6 min read
John Lewis Money has relaunched its car insurance as a broker proposition, comparing quotes from Ageas, AXA and Covea. It follows a home insurance broker relaunch that the firm says produced cheaper quotes for 70% of existing customers.
10 Jul 2026 · 5 min read
Denza, BYD's premium sub-brand, has opened UK order books for the Z9 GT shooting brake, anchored at around £100,000 against the Porsche Taycan Sport Turismo. The exact UK on-the-road price is not yet confirmed.
10 Jul 2026 · 6 min read
The Mazda 6e launches in the UK from £38,995 with a single 78kWh battery, correcting earlier reports of a two-battery lineup. Unlike the BMW iX3 and Volvo EX60, both trims sit under £50,000, avoiding the expensive car VED supplement entirely.
10 Jul 2026 · 5 min read
The Volvo EX60 starts from £56,860, rising to £64,860 for the range-topping P12. All three trims exceed the £50,000 EV VED threshold, adding £440 a year in supplement, while the insurance group has not yet been published.
10 Jul 2026 · 6 min read
The BMW iX3 starts from £58,755, or £53,250 for the newer entry variant. Both exceed the £50,000 EV VED threshold, adding £640 a year in road tax from year two, and the car sits in insurance group 43-44 of 50.
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