Category: Types of Insurance
Making a Vehicle Insurance Claim: Legal Overview
Introduction to Making a Vehicle Insurance Claim When something happens to your car – such as an accident, theft, or damage – knowing how to make a vehicle insurance claim can save you time, stress, and money. A vehicle insurance claim is a formal request to your insurer for financial help after a covered incident.…
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…
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
Driving someone else’s vehicle is a common scenario, yet it’s fraught with legal and insurance implications that many of us might overlook. Whether it’s a quick trip to the store in a friend’s car or borrowing a family member’s vehicle for a weekend away, understanding what you must check before you turn the ignition key…
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.…
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…
How to Claim a Courtesy Car After a Non-Fault Accident
Understanding Your Right to a Courtesy Car After a Non-Fault Accident When you’re involved in a non-fault accident in the UK, staying mobile while your own vehicle is being repaired is often a top priority. This is where your right to a courtesy car comes in. Understanding when and how you are entitled to a…
Mobile Phone Insurance in the UK: What You Need to Know
Understanding Mobile Phone Insurance Mobile phone insurance is a type of policy designed to protect you financially if something happens to your mobile device. Its main purpose is to cover the cost of repair or replacement if your phone is lost, stolen, or accidentally damaged. With smartphones being both valuable and essential for everyday life,…
