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.
UK businesses can need many different types of insurance. This guide explains the main categories of business insurance, which are legally required, and how to build a policy programme appropriate for different business types.
15 Jun 2026 · 2 min read
Roofing contractors face elevated liability exposure from working at height. This guide covers what roofer insurance needs to include, what working at height exclusions mean, and what combined roofing policies cover.
15 Jun 2026 · 2 min read
Cyber insurance covers the financial consequences of data breaches, ransomware attacks, and cyber crime. This guide explains what cyber cover includes, what UK GDPR obligations mean for businesses, and which businesses need cyber insurance most urgently.
15 Jun 2026 · 2 min read
Renting your home on Airbnb requires specialist insurance or a short-let extension. This guide explains why standard home insurance does not cover Airbnb hosting, what dedicated host insurance covers, and what Airbnb AirCover provides.
15 Jun 2026 · 2 min read
Craft businesses selling handmade goods need public liability and product liability insurance. This guide covers what craft insurance includes, what market and online selling requires, and what product liability means for handmade goods.
16 Jun 2026 · 6 min read
Flat roof properties can be harder and more expensive to insure than pitched roof homes. This guide explains how flat roof cover works, what the roof construction disclosure requirement means, and how to find competitive cover for flat roof homes.
15 Jun 2026 · 2 min read
Hairdressers and hair stylists need treatment liability, public liability, and professional indemnity. This guide covers what salon insurance includes, what mobile hairdressers need, and what product liability covers for chemical treatments.
15 Jun 2026 · 2 min read
Life insurance written in trust can provide funds to pay an inheritance tax bill without adding to the taxable estate. This guide explains how whole of life policies in trust work, what the seven-year rule means, and how to use life cover in IHT planning.
15 Jun 2026 · 3 min read
Cancer patients and cancer survivors can find travel insurance difficult to obtain. This guide explains how to declare cancer on travel insurance, what specialist insurers cover, and what the Money and Pensions Service directory provides.
15 Jun 2026 · 2 min read
Barber shop insurance typically combines public liability, employers liability, treatment risk cover, and contents insurance. Here is what each cover does and what it costs for barbershops and mobile barbers.
16 Jun 2026 · 4 min read
Bulldogs and French Bulldogs are among the most expensive breeds to insure due to their brachycephalic health risks. This guide explains what pet insurance covers for bulldogs, what is excluded, and how to find lifetime cover for breed-specific conditions.
15 Jun 2026 · 2 min read
HR consultants and independent HR advisers need professional indemnity insurance if their employment advice causes client financial loss or legal exposure. This guide covers what HR consultant insurance includes and what CIPD membership requires.
15 Jun 2026 · 2 min read
Handymen and odd-job contractors need public liability insurance for work in client properties. This guide covers what handyman insurance includes, what activities are covered, and the difference between a handyman policy and a specialist trade policy.
15 Jun 2026 · 2 min read
Drain and plumbing insurance covers emergency call-outs for blocked drains, burst pipes, and plumbing failures. This guide explains what home emergency cover includes, what drains policies cover, and how they differ from standard home insurance.
15 Jun 2026 · 3 min read
Travelling with diabetes requires specialist travel insurance that covers your condition. This guide explains how to find travel insurance that covers diabetes, what to declare, and what medical cover you need for insulin and equipment abroad.
15 Jun 2026 · 3 min read
Mobility scooter users need third-party liability insurance and may want accidental damage and breakdown cover. This guide explains what is legally required, what the different policy types cover, and how class 2 and class 3 scooter rules affect insurance.
15 Jun 2026 · 2 min read
Cat insurance covers veterinary treatment costs for illness and accident. This guide explains the different types of cat insurance policy, what each covers, and the key differences between lifetime, annual, and accident-only cover.
15 Jun 2026 · 3 min read
Florists need public liability, stock cover, and sometimes professional indemnity for bespoke wedding and event commissions. This guide covers what florist insurance includes, what market and event trading requires, and product liability for allergy claims.
15 Jun 2026 · 2 min read
Small businesses need public liability, and employers liability if they have staff. This guide explains what each cover does, what limits SMEs typically need, and how to combine covers cost-effectively in a single policy.
16 Jun 2026 · 3 min read
Goods in transit insurance covers goods being transported by couriers, hauliers, and owner-operators. This guide explains what GIT policies cover, what CMR cover adds for European haulage, and how it differs from van insurance.
15 Jun 2026 · 2 min read
Laptop insurance covers accidental damage, theft, and liquid damage for portable computers. This guide explains how laptop insurance differs from home contents cover, what gadget insurance adds, and what business laptop policies require.
15 Jun 2026 · 2 min read
Private health insurance for children covers faster access to diagnosis and treatment outside the NHS. This guide explains what child health insurance covers, how adding children to a family policy works, and what the main exclusions are.
15 Jun 2026 · 3 min read
Windscreen insurance covers repair or replacement of a damaged windscreen without affecting your no-claims bonus. This guide explains how windscreen claims work, when repair is preferred over replacement, and what excess applies.
15 Jun 2026 · 2 min read
Tradespeople of all kinds need public liability insurance. This guide covers what tradespeople public liability covers across different trades, what combined policies include, and what to check for high-risk work like working at height.
15 Jun 2026 · 2 min read
Medical malpractice insurance covers healthcare professionals against clinical negligence claims. This guide explains the difference between medical malpractice insurance and medical defence organisation membership, and what private practice clinicians need.
15 Jun 2026 · 3 min read
Storm damage is one of the most common home insurance claims. This guide explains what counts as storm damage under a home policy, what is excluded, and how to manage a roof damage claim.
15 Jun 2026 · 3 min read
Properties inherited or being administered through probate need specialist insurance. This guide covers what probate property insurance covers, what executors need to arrange, and how unoccupied property conditions affect cover during the estate administration period.
15 Jun 2026 · 2 min read
Public liability insurance covers claims by third parties for injury or property damage. This guide explains the difference between public liability and other liability covers, what limits you need, and when property owners liability applies.
15 Jun 2026 · 2 min read
Commercial contents insurance covers business equipment, stock, and office furniture against damage and theft. This guide explains what commercial contents policies include, how they differ from business equipment insurance, and what lease obligations may require.
15 Jun 2026 · 2 min read
Estate agents and letting agents need professional indemnity, cyber insurance, and public liability. This guide covers what estate agent insurance includes, what RICS and ARLA require, and what client money protection covers.
15 Jun 2026 · 2 min readGet Kael Tripton in your Google feed
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