CIDRA 2012: Your Disclosure Rights When Buying Home Insurance
CIDRA 2012 limits your insurance disclosure duty to answering questions honestly. Proportionate remedies, ambiguous question protections and FOS rights explained.
UK GDPR Rights Against Your Bank and Insurer: Plain English Guide
UK GDPR gives you seven rights against banks and insurers: access, rectification, erasure, restriction, portability, objection and automated decision review.
ICOBS 7.2: Can Your Home Insurer Cancel Your Policy Mid-Term?
Under ICOBS 7.2 insurers can only cancel mid-term with valid grounds and adequate notice. FCA rules on cancellation rights and how to challenge through the FOS.
ICOBS 2.5: The Customer Best Interests Rule in Home Insurance Explained
ICOBS 2.5 requires insurers and brokers to act in your best interests. Consumer Duty supplements it. FCA rule explained with complaint rights and FOS escalation guide.
Does Home Insurance Cover Subsidence? UK Rules and Claim Rights Explained
Home insurance covers subsidence with higher excess of PS1,000+. How to identify subsidence, make a claim and challenge rejection under ICOBS 8. June 2026.
Escape of Water in Home Insurance: What Is Covered and How to Claim
Escape of water is the UK's most expensive home insurance claim. What is covered, trace and access limits, how to claim and challenge rejection under ICOBS 8.
ICOBS 4: What Must Your Home Insurer Tell You Before You Buy?
ICOBS 4 requires insurers to give you an IPID before purchase. What it must contain and your rights if it is not provided. Plain English FCA rule explanation.
Ofgem Energy Price Cap Explained: Unit Rates, Standing Charges and Who It Covers
Ofgem price cap explained: quarterly unit rate maximums on default tariffs, what it does and does not cap, fixed tariff comparison and supplier overcharging rights.
FCA Fair Value in Home Insurance: Consumer Duty Outcome 2 Explained
Consumer Duty Outcome 2 requires insurers to prove fair value. How the FCA fair value test works for home insurance add-ons and bundled products, and how to challenge.
MCOB 2: Can Your Mortgage Lender Force You to Use Their Buildings Insurance?
MCOB 2.6A prohibits mortgage lenders from forcing you to use their buildings insurance. Plain English explanation of your rights and how to arrange your own cover.
ICOBS 6B: The FCA Home Insurance Price Walking Ban Explained
ICOBS 6B (January 2022) bans home insurers from charging existing customers more than new customers at renewal. How to check your renewal price and challenge breaches.
FSCS Home Insurance Protection: 90% Cover With No Upper Limit Explained
FSCS protects home insurance policyholders if their FCA-authorised insurer fails: 90% of any claim with no upper limit. Plain English explanation with FCA FRN verification guide.
FCA Consumer Duty Explained: Your Rights Against Unfair Insurance and Bank Charges
FCA Consumer Duty (PRIN 12) requires insurers and banks to prove fair value. Plain English explanation of four outcomes, how to use Consumer Duty to challenge renewal prices and claims.
ICOBS 8: What to Do If Your Home Insurance Claim Is Refused -- FCA Rules
ICOBS 8 requires fair home insurance claims handling. FCA rule text, step-by-step challenge process and FCA firm-level upheld rates showing which insurers are most often overturned.
ICOBS 7: Can I Cancel Home Insurance Within 14 Days? FCA Rule Explained
ICOBS 7 explained: UK consumers have a mandatory 14-day right to cancel home insurance for any reason. FCA Handbook rule text, refund rules and step-by-step cancellation guide.
Home Insurance Complaints Data UK 2026: FCA Firm-Level Analysis
FCA firm-level complaints data H2 2025 for UK home insurers: complaint volumes and upheld rates for Admiral, Aviva, Direct Line, LV=, Hastings, esure and more.
Second Home Insurance UK 2026 - Protecting a Holiday Property or Investment
A standard home policy restricts cover when a property sits empty. This guide explains second home insurance: how it differs from primary-home and holiday-let cover, the unoccupancy clauses that decide claims, plus the council tax premium and Stamp Duty rules a second owner faces.
Santander Home Insurance Review 2026 — Bank-Bundled Cover vs Open Market
Santander home insurance reviewed: 123 World account bundle assessed, underwriter identity, fair value obligations under FCA Consumer Duty, FCA FRN 106054 and cover limits.
Post Office Home Insurance Review 2026 — Who Underwrites It and Is It Worth It?
Post Office home insurance reviewed: Post Office Ltd acts as intermediary not underwriter, panel arrangement, in-branch accessibility for non-digital customers, FCA details.
MBNA Home Insurance Review 2026 — Product Status and What Customers Need to Know
MBNA home insurance reviewed: product status after Lloyds acquisition, Section 75 credit card protection versus insurance explained, FCA FRN 141580 and current options.
How Much Is Home Insurance UK 2026 - Average Costs and What Affects Your Premium
What home insurance costs in the UK and why: the ABI Premium Tracker on average buildings, contents and combined premiums, Insurance Premium Tax at 12%, the factors that drive your quote, monthly versus annual payment, and legitimate ways to lower a premium without voiding cover.
Homeprotect Insurance Review 2026 — Specialist Cover for Non-Standard Properties
Homeprotect home insurance reviewed: specialist insurer for flood risk, subsidence, listed buildings and unoccupied properties. FCA FRN 304432 and cover limits table.
Home Insurance Northern Ireland 2026 - Buildings and Contents Cover Guide
A factual 2026 guide to home insurance in Northern Ireland: how FCA regulation applies UK-wide, what differs locally through NI property law, rates and planning, how flood risk at Lough Neagh and the River Bann is mapped, and how to set a sound rebuild sum insured.
How to Make a Home Insurance Claim UK 2026 - Process, Timelines and Rights
A factual 2026 guide to the UK home insurance claims process: how to notify and evidence a claim, the ICOBS rules insurers must follow, realistic timelines, and how to escalate a rejected claim to the Financial Ombudsman Service.
Hastings Direct Home Insurance Review 2026 — Cover Limits and 191,000 Reviews Analysed
Hastings Direct home insurance: most-reviewed UK insurer on Trustpilot (191,000 reviews), three cover tiers, Sampo Group ownership explained and FCA registration.
Unoccupied Property Insurance UK 2026 - Cover for Empty Homes Explained
An independent 2026 guide to unoccupied property insurance in the UK: why standard home cover restricts or voids after a property is left empty, the common triggers from probate to renovation, how the specialist market works, and the disclosure duty that protects empty-home claims.
Renters Insurance UK 2026 - Contents Cover for Tenants Explained
A 2026 guide to renters insurance in the UK: why tenants need contents not buildings cover, how tenant's liability protects the landlord's fixtures, away-from-home cover, digital and monthly products, and why deposit protection schemes are not insurance.
New Build Home Insurance UK 2026 - What Buyers Need to Know
A 2026 guide to new build home insurance in the UK: how the NHBC Buildmark ten-year warranty differs from the buildings insurance a mortgage lender requires, when cover must start between exchange and completion, the snagging period, and developer-referred policies under FCA Consumer Duty.
Listed Building Insurance UK 2026 - Specialist Cover for Historic Properties
A 2026 guide to listed building insurance in the UK: what statutory listing means for Grade I, II* and II properties, why rebuild cost can far exceed market value, the role of listed building consent and RICS rebuild valuations, and why specialist insurers are usually needed.
Home Insurance and Subsidence UK 2026 - What Buyers and Owners Need to Know
A 2026 guide to home insurance and subsidence in the UK: how policies treat ground movement, the duty to disclose previous subsidence, clay shrink-swell hazard data, tree proximity, the typical excess, and keeping cover on a property with history.