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A car insurance excess is the amount you agree to pay towards a claim before your insurer covers the rest. If your excess is £300 and a repair costs £1,200, you pay the first £300 and the insurer pays the remaining £900. It applies each time you claim on your own policy for damage, theft […]

Privilege home insurance is a home cover brand within Direct Line Group, offering buildings, contents or combined buildings and contents policies across two tiers: standard Home and the higher Platinum. Policies have been underwritten by UK Insurance Limited (UKIL), the same underwriter behind Churchill and Direct Line, so the cover you get sits alongside those […]

Travel and health insurance are two different products that people often confuse: travel insurance covers emergency medical treatment, cancellation and lost baggage while you are away from home, whereas private medical insurance (PMI) covers planned diagnosis and treatment for eligible acute conditions in the UK, usually privately and faster than an NHS waiting list. Neither […]

British Gas pay as you go is a prepayment energy tariff where you top up your gas and electricity before you use it, rather than being billed afterwards. From 1 July to 30 September 2026, prepayment costs are capped by Ofgem at around £1,620 a year for a household with typical use, so no British […]

Car insurance can cover repairs, but only when your cover level and the cause of the damage both allow it. Comprehensive cover usually pays to repair your own car after an accident, vandalism, fire, theft or many accidental-damage events. Third party only insurance does not pay to repair your own vehicle at all, only damage […]

A home insurance quotation is an insurer’s offer to cover your property and belongings for a set premium, based on the details you give about your home, its rebuild cost and what you want protected. Getting an accurate quote matters because the number changes sharply with the sum insured you enter, the excess you accept […]