Latest News and Information
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Accidental Damage
2nd February 2022
What is accidental damage do you need it ? Accidental damage is caused suddenly and unexpectedly by an outside force. It’s different from damage caused by wear and tear or a breakdown. You can add accidental damage cover to either your contents insurance or to your buildings insurance. Or even both. What’s likely to be covered: Adding accidental damage cover to your buildings insurance will protect
No-claims bonus
2nd February 2022
No claims bonus what it is and how it works This is the discount that insurers offer when you don’t claim on your policy. The discount increases with each year that you don’t make a claim. It can be generous too – the discount typically ranges from 30% after one year to 65% or more after five years. But if you have an accident and you claim for it, you generally lose two years’ worth of no
What is critical illness cover
4th November 2021
Which illnesses does it cover and do you need it ? Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy. It only pays out once, after which the policy ends. The conditions and illnesses covered can vary significantly between different insurers. The most comprehensive policies cover 50 different conditions or more, but others are
Why might your insurance claim be rejected
4th November 2021
Why might your insurance claim be rejected ? There are several reasons why a claim could be rejected, fairly or otherwise. Some are highlighted below. Incorrect information You might have given incomplete or inaccurate details during your claim, intentionally or by mistake. For example, how something happened or got damaged. The insurer thinks you didn’t take ‘reasonable care' Most policies include
Insurance Scammers
29th September 2021
We take out insurance to protect ourselves in case the worst happens. Criminals understand this – and they try to use this to their advantage. Some legitimate companies use cold calling or social media to advertise their products and services to potential customers. But the problem is criminals do this too. A genuine business may try to contact you using details they’ve obtained legally. But
Making an insurance claim
23rd April 2021
Making an insurance claim. If everything goes well, making an insurance claim is simple and stress-free – especially if you take time to get all the details right. This article takes you through the process of making an effective claim on insurance like home, car and travel. A little further down you’ll find more information on life and health insurance like private medical insurance, income protection
Life insurance – choosing a policy
4th March 2021
Life insurance choosing a policy Getting the right life insurance policy means working out how much money you need to protect your dependents. This sum must take into account their living costs, as well as any outstanding debts, such as a mortgage. This guide will help you understand the different types of policy available, how they work and the difference between joint and single cover. Level term
Things to look out for when buying insurance
17th December 2020
Things to look out for when buying insurance. You’re about to buy an insurance policy. Before you commit, run through this checklist to make sure you know what you’re buying. Beware of buying insurance offered alongside something else Have you compared like with like? Does the policy cover everything you need it to? Have you answered all your insurer’s questions truthfully and accurately? Do
When to use an insurance broker
13th October 2020
When to use an insurance broker If you’re thinking of buying an insurance policy for something you don’t know much about or insuring something fairly unusual, you might want to think about using an insurance broker. They’re experts in the market and – even with run-of-the-mill insurance – they can often find you better cover at a great price. Advantages of using an insurance broker Comparison
Do I need Professional Indemnity Insurance?
13th October 2020
Do I need Professional Indemnity Insurance ? For some professions, it’s compulsory to have Professional Indemnity Insurance in place. However, many other businesses aren’t required to have it but still choose to take out the cover to protect themselves. They do so in case of any compensation claims, because covering the cost of claims can be financially exhausting. That’s where Professional Indemnity