Category: Insurance
Building and Home Insurance: UK Legal Overview
Introduction to Building and Home Insurance Building and home insurance is designed to protect your property and belongings from unexpected events that could cause damage or loss. In the UK, this type of insurance typically falls into two main categories: buildings insurance and contents insurance. Buildings insurance covers the physical structure of your home –…
Guide to Vehicle Insurance Types and Legal Cover in the UK
Introduction to Vehicle Insurance in the UK Introduction to Vehicle Insurance in the UK Vehicle insurance is a legal requirement for anyone driving on public roads in the UK. The law, set out in the Road Traffic Act 1988, makes it compulsory for drivers to have at least a basic level of insurance to protect…
How to Cancel an Insurance Policy in the UK: Your Rights and Steps
Introduction to Cancelling an Insurance Policy Cancelling an insurance policy means formally ending your agreement with an insurer before its scheduled expiry date. Whether you no longer need the cover, have found a better deal, or your circumstances have changed, it’s important to understand the process and your rights when deciding to cancel. In the…
What Does Household Contents Insurance Cover in the UK?
What is Household Contents Insurance? Household contents insurance is a type of policy designed to protect the possessions inside your home. Unlike insurance that covers the physical structure of your property, contents insurance focuses on your personal belongings – everything from your sofa and television to your clothes, kitchenware, and valuables such as jewellery or…
Essential Legal Checks Before Driving Someone Else’s Car
Introduction: Driving Another Person’s Vehicle in the UK Driving another person’s vehicle in the UK isn’t as simple as just picking up the keys and setting off. Before you get behind the wheel, it’s crucial to understand your legal responsibilities and the risks involved. Failing to carry out the right checks can lead to serious…
Insurance Claims: Legal Overview for the UK
Understanding Insurance Claims Making an insurance claim means formally asking your insurer to cover a loss or damage that your policy protects against. You might need to make a claim if, for example, your home is damaged in a storm, your car is involved in an accident, or you experience a medical emergency while abroad.…
Understanding Illness and Critical Illness Insurance UK
Introduction to Illness Insurance and Critical Illness Insurance Illness insurance and critical illness insurance are two types of protection designed to support you financially if you face a serious health problem. While they sound similar, each serves a unique purpose in helping you manage the impact of illness on your life and finances. Illness insurance…
When You Legally Don’t Need Vehicle Insurance in the UK
Introduction to Vehicle Insurance Requirements In the UK, the law generally requires every vehicle driven on public roads to have at least third-party insurance. This rule is set out in the Road Traffic Act 1988, which makes it illegal to use a motor vehicle on a road or other public place without appropriate insurance cover.…
Problems with Insurance Policies: Legal Overview
Introduction to Problems with Insurance Policies Many people in the UK experience problems with their insurance policies, whether it’s a dispute over a claim, confusing policy wording, or feeling that an insurer has acted unfairly. Common issues include having claims rejected, not understanding what is actually covered, or facing delays and poor communication from insurance…
Income Protection Insurance: How It Works and What It Covers
What is Income Protection Insurance? Income protection insurance is a type of policy designed to provide you with a regular income if you are unable to work due to illness or injury. Unlike some other forms of insurance, it doesn’t pay out a single lump sum. Instead, it replaces a portion of your lost earnings…
