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Car insurance flood damage cover only applies if you hold a fully comprehensive policy. Third party only and third party, fire and theft policies do not cover flood damage to your own car. If floodwater ruins your engine, electrics or interior, comprehensive cover is the only type that can pay to repair or replace your […]

Life insurance really does pay out on the large majority of valid claims in the UK, and ABI data shows UK protection insurers have paid at least 97.9% of new individual claims over the last decade. A life insurance pay out is the lump sum or regular income an insurer releases to your beneficiaries when […]

British Gas vs HomeServe comes down to a trade-off between scale and price: British Gas HomeCare uses its own large team of engineers and typically costs more, while HomeServe usually starts cheaper but uses a network of approved local engineers. Both are FCA-regulated insurance products, both include an annual boiler service on most plans, and […]

Car insurance valid without tax is a common worry, and the short answer is that your policy itself usually remains valid even if the vehicle is not taxed. The real problem is not the insurance contract, it is the vehicle’s legal status: a registered car kept or used on a public road in the UK […]

A broadband outage means a total loss of internet or landline service, not just a slow or unreliable connection, and the single most important thing to do is report the fault to your provider the day it happens. Under Ofcom’s Automatic Compensation Scheme, the repair clock only starts when you report the fault, so an […]

High value home insurance is specialist buildings and contents cover for expensive properties and valuable possessions that a standard policy may not fully protect. It is aimed at homes with high rebuild costs, large contents values, or individual items worth more than a standard policy’s single-item limit. There is no single legal or regulatory threshold […]