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.
Gym insurance covers fitness studios, personal trainers, and health clubs against public liability, employers liability, and professional indemnity for exercise instruction. This guide explains what gym insurance covers and how much it costs in the UK.
19 Jun 2026 · 4 min read
Business van insurance covers light commercial vehicles used for work purposes. This guide explains the different classes of van business use, what commercial van insurance covers, and how much business van insurance costs in the UK.
19 Jun 2026 · 4 min read
Standard home insurance typically restricts or removes cover after a property has been empty for 30-60 days. This guide explains what unoccupied home insurance covers, why standard policies fail, and how much specialist empty property insurance costs in the UK.
19 Jun 2026 · 4 min read
Landlord liability insurance covers claims from tenants and visitors who are injured or suffer property damage due to a defect the landlord is responsible for. This guide explains what landlord liability covers, what the Defective Premises Act requires, and how much it costs in the UK.
19 Jun 2026 · 5 min read
Wedding insurance covers the cost of cancellation, supplier failure, and venue problems that can disrupt or cancel a wedding. This guide explains what wedding insurance covers, when to buy it, and how much it costs in the UK.
19 Jun 2026 · 4 min read
Personal accident insurance pays a lump sum if you suffer a specified accidental injury such as loss of limb, loss of sight, or permanent disability. This guide explains how personal accident cover works, how it differs from income protection, and how much it costs in the UK.
19 Jun 2026 · 4 min read
Nurses and healthcare professionals working independently need professional indemnity insurance. This guide explains what nurse indemnity insurance covers, the NMC requirements, and how much professional indemnity costs for nurses in the UK.
19 Jun 2026 · 4 min read
Courier insurance covers self-employed delivery drivers and courier businesses for hire and reward use, goods in transit, and public liability. This guide explains what courier insurance includes, how it differs from standard van insurance, and how much it costs in the UK.
19 Jun 2026 · 5 min read
Recruitment agency insurance covers professional indemnity, public liability, and employers liability for staffing and recruitment businesses. This guide explains the specific risks of the recruitment sector, what cover is required, and how much recruitment insurance costs in the UK.
19 Jun 2026 · 4 min read
IT contractors need professional indemnity, public liability, and employers liability insurance. This guide explains what IT contractor insurance covers, what IR35 means for insurance requirements, and how much contractor insurance costs in the UK.
19 Jun 2026 · 4 min read
Professional indemnity insurance is a mandatory obligation for registered architects under the ARB Code of Conduct. This guide explains the ARB PI requirements, what architects PI covers, how limits are calculated, and how much architects PI costs in the UK.
19 Jun 2026 · 4 min read
Accountants professional indemnity insurance is required by ICAEW, ACCA, CIMA, and other professional bodies. This guide explains the mandatory PI requirements for accountants, what accountants PI covers, and how premiums are calculated in the UK.
19 Jun 2026 · 4 min read
Solicitors professional indemnity insurance is compulsory under SRA rules. This guide explains the SRA minimum terms and conditions, qualifying insurers, the assigned risks pool, and how solicitors PI premiums are calculated in the UK.
19 Jun 2026 · 4 min read
Standard home insurance does not cover Airbnb letting. This guide explains what dedicated Airbnb host insurance covers, how it differs from Airbnb Host Guarantee, and what UK hosts need to stay properly protected.
19 Jun 2026 · 4 min read
Holiday let insurance covers properties rented to short-term holiday guests. This guide explains how holiday let insurance differs from standard landlord insurance, what loss of income cover provides, and how much holiday let insurance costs in the UK.
19 Jun 2026 · 4 min read
Subsidence cover is included in standard buildings insurance but can be difficult to obtain once a property has a subsidence history. This guide explains what subsidence insurance covers, how claims work, and how to find cover for properties with subsidence history.
19 Jun 2026 · 4 min read
Environmental liability insurance covers businesses against the cost of cleaning up pollution incidents and third-party claims arising from environmental damage. This guide explains who needs environmental cover, what the Environmental Liability Regulations require, and how much it costs in the UK.
19 Jun 2026 · 5 min read
Self build insurance covers the construction of a self-build home against structural damage, theft of materials, public liability, and employers liability. This guide explains what self build insurance covers, when it is required, and how much it costs in the UK.
19 Jun 2026 · 5 min read
Small animal insurance covers veterinary fees for guinea pigs, hamsters, gerbils, ferrets, chinchillas, and other small pets. This guide explains what small animal insurance covers, common conditions, and how much it costs in the UK.
19 Jun 2026 · 4 min read
Reptile insurance covers veterinary fees for snakes, lizards, tortoises, and other reptiles kept as pets. This guide explains what reptile insurance covers, common reptile conditions, and how much specialist reptile cover costs in the UK.
19 Jun 2026 · 4 min read
Rabbit insurance covers the cost of veterinary treatment for pet rabbits. This guide explains what rabbit insurance covers, how it differs from cat and dog policies, common rabbit conditions, and how much rabbit insurance costs in the UK.
19 Jun 2026 · 4 min read
Equine insurance covers horses and ponies against veterinary fees, death, theft, and third-party liability. This guide explains the main sections of horse insurance, what competition and rider cover includes, and how much equine insurance costs in the UK.
19 Jun 2026 · 5 min read
Exotic pet insurance covers non-standard pets including parrots, tortoises, snakes, and other animals not covered by standard cat and dog policies. This guide explains what exotic pet insurance covers, which species qualify, and how much it costs in the UK.
19 Jun 2026 · 4 min read
Care home insurance covers residential and nursing care facilities against property damage, public and professional liability, and business interruption. This guide explains the key covers required for care homes and how much care home insurance costs in the UK.
19 Jun 2026 · 4 min read
Marine cargo insurance covers goods transported by sea, air, and overland in international trade. This guide explains the Institute Cargo Clauses, what marine cargo covers, and how it differs from goods in transit insurance.
19 Jun 2026 · 4 min read
Goods in transit (GIT) insurance covers cargo against loss, theft, and damage while being transported by road. This guide explains who needs GIT cover, what the CMR Convention requires for international haulage, and how much goods in transit insurance costs in the UK.
19 Jun 2026 · 4 min read
Pre-existing medical conditions must be declared when buying travel insurance. This guide explains what counts as a pre-existing condition, what happens if you do not declare, how to find cover for complex conditions, and what the FCA Medical Conditions Directory provides.
19 Jun 2026 · 5 min read
Over 65 travel insurance costs typically run 30% to 50% above over-50 rates. GHIC covers state healthcare in Europe but not repatriation, annual policies suit retirement-frequency travel, and age caps only start biting from 70.
12 Jul 2026 · 10 min read
Annual multi-trip travel insurance covers an unlimited number of trips in a 12-month period. This guide explains what annual travel insurance includes, how it compares to single trip cover, maximum trip duration limits, and how much it costs in the UK.
19 Jun 2026 · 4 min read
Travel insurance covers medical emergencies, trip cancellation, baggage loss, and travel delays. This guide explains what travel insurance includes, what common exclusions apply, and how much travel insurance costs for UK travellers in 2026.
19 Jun 2026 · 5 min readGet Kael Tripton in your Google feed
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