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.
Beauty salons need treatment liability, public liability, employers liability, and contents insurance. This guide covers what beauty salon insurance includes, what BABTAC requires, and what specific cover facial, nail, and lash treatments need.
15 Jun 2026 · 2 min read
Jewellery and watches are among the most stolen and damaged items in home insurance claims. This guide explains what specialist valuables insurance covers, how to value jewellery for insurance purposes, and what conditions apply.
15 Jun 2026 · 3 min read
Self-employed workers do not receive statutory sick pay and need their own health and income protection insurance. This guide covers what private medical insurance and income protection provide for sole traders and freelancers.
15 Jun 2026 · 3 min read
Holiday homes need specialist insurance different from standard home policies. This guide covers what holiday home insurance includes, what letting to guests requires, and how unoccupancy conditions affect cover between visits.
15 Jun 2026 · 2 min read
Travellers with heart conditions or high blood pressure need specialist travel insurance that covers their pre-existing conditions. This guide covers how to find cover, what to declare, and what emergency medical benefits cardiac travellers need.
15 Jun 2026 · 2 min read
Bakeries and home bakers selling cakes need food liability, public liability, and allergen compliance cover. This guide covers what bakery insurance includes, what allergen labelling law requires, and what home baking businesses need.
15 Jun 2026 · 2 min read
HGV and lorry operators need specialist commercial vehicle insurance. This guide covers what HGV insurance includes, what operators licence conditions require, and how goods in transit cover works for load liability.
15 Jun 2026 · 2 min read
Professional photographers need specialist equipment insurance for cameras, lenses, and lighting. This guide covers what photography insurance includes, what all-risks cover adds, and how studio vs location shooting affects your policy.
15 Jun 2026 · 2 min read
Personal trainers and fitness instructors need public liability and professional indemnity insurance. This guide covers what personal trainer insurance includes, what gym and leisure centre requirements mean, and cover for online PT coaching.
15 Jun 2026 · 2 min read
GAP insurance covers the shortfall between your car insurer payout and what you paid or owe. This guide explains how car GAP works, the different types, and whether buying from a dealer or independently makes sense.
15 Jun 2026 · 3 min read
Approved and trainee driving instructors need specialist motor insurance for tuition vehicles. This guide covers ADI and PDI motor insurance requirements, what public liability adds for instructors, and how the DVSA ADI register affects cover.
15 Jun 2026 · 2 min read
Listed buildings and high-value homes need specialist insurance with higher rebuild cost calculations and bespoke cover. This guide covers what listed building insurance includes, how high net worth home insurance differs from standard policies, and how to value a listed property.
15 Jun 2026 · 3 min read
Disaster recovery planning covers IT systems restoration after a disruptive event. This guide explains how IT disaster recovery plans and insurance interact, what cyber insurance covers for system restoration, and what RTO and RPO mean.
15 Jun 2026 · 3 min read
Private medical insurance gives faster access to diagnosis and treatment. This guide explains how UK private health insurance works, what comprehensive and budget policies cover, and the key exclusions to understand before buying.
15 Jun 2026 · 3 min read
Insurance excess is the amount you pay towards a claim before the insurer pays the rest. This guide explains the difference between compulsory and voluntary excess, how excess affects premiums, and when excess waivers are available.
23 Jun 2026 · 7 min read
Combining multiple business insurance covers into a single policy simplifies administration and often reduces cost. This guide explains what combined SME insurance solutions include, how package policies work, and what to check before buying bundled cover.
15 Jun 2026 · 3 min read
Insurance brokers are required by the FCA to hold professional indemnity insurance. This guide covers what PI cover for brokers includes, FCA minimum requirements, and what run-off cover means when a brokerage closes.
15 Jun 2026 · 2 min read
Dog walkers, pet sitters, and pet care businesses need public liability and care, custody and control insurance. This guide covers what pet business insurance includes, what animal liability covers, and what key loss cover adds.
15 Jun 2026 · 3 min read
Business continuity planning helps SMEs survive disruption. This guide covers what business interruption insurance covers, how continuity plans and insurance interact, and what cyber and supply chain resilience insurance adds.
15 Jun 2026 · 3 min read
Working from home creates insurance gaps. This guide explains what standard home insurance covers for home office use, what business equipment policies add, and what public liability home workers need when clients visit.
15 Jun 2026 · 3 min read
Home emergency insurance covers the cost of emergency call-outs for boiler breakdown, plumbing failures, and electrical faults. This guide explains what home emergency cover includes, what is excluded, and how it differs from a boiler service plan.
15 Jun 2026 · 3 min read
Uber drivers in the UK need private hire vehicle insurance. This guide explains what PHV cover is required, how Uber's own insurance interacts with driver policies, and what to check when driving for multiple platforms.
15 Jun 2026 · 2 min read
Fleet insurance covers multiple business vehicles under a single policy. This guide explains how fleet insurance works, what any driver cover means, when a fleet policy is more cost-effective than individual policies, and what telematics adds.
15 Jun 2026 · 2 min read
Subsidence is one of the most complex and expensive home insurance claims. This guide explains what subsidence cover includes, what underpinning costs, how to get insurance after a subsidence claim, and what clay soil risk means for premiums.
16 Jun 2026 · 3 min read
Catering businesses, restaurants, and hospitality operators need specialist insurance covering food liability, employers liability, and business interruption. This guide explains what catering insurance includes and what food hygiene compliance means for cover.
15 Jun 2026 · 2 min read
Landlords in England and Wales must meet minimum EPC ratings for rental properties. This guide explains the current EPC requirements, what the proposed changes mean, and how energy efficiency improvements affect landlord insurance.
15 Jun 2026 · 2 min read
Construction contractors need public liability, employers liability, contract works, and professional indemnity. This guide covers what construction insurance includes, what JCT contracts require, and what specialist contractor covers add.
15 Jun 2026 · 2 min read
Redundancy and unemployment insurance covers your income if you are made redundant. This guide explains what payment protection insurance covers, what exclusions apply, and how it differs from statutory redundancy pay.
15 Jun 2026 · 2 min read
Group personal accident insurance provides lump sum and weekly income benefits to employees injured outside work. This guide explains how GPA cover works, how it differs from employers liability, and what employers typically include.
15 Jun 2026 · 2 min read
Taking in a lodger changes your home insurance. This guide explains what you must tell your home insurer, how cover is affected, and when you need landlord insurance instead.
15 Jul 2026 · 8 min readGet Kael Tripton in your Google feed
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