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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
NatWest mobile phone insurance comes bundled with Reward Silver (£10/month), Reward Platinum (£22/month) and Reward Black (£31/month) accounts. Cover is underwritten by Aviva, with a £50 excess for repairs and £100 for replacements. RBS offers equivalent Reward accounts under its own brand.
Nationwide FlexPlus mobile phone insurance costs £18 a month as part of the FlexPlus packaged account. Cover is up to £2,000 per claim, with excess of £30 to £100 depending on claim type, and worldwide protection for the account holder and eligible family members.
Lloyds Bank mobile phone insurance comes free with the Club Lloyds Silver account (£11.50/month) and Platinum account (£22.50/month). Cover is up to £2,000 per claim, excess is a flat £100, and up to two successful claims are allowed per account holder every 12 months.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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