THE GUIDE LIBRARY
Good questions. Clearer answers.
Find practical explanations for the cover you are considering, from your first policy to your next renewal.
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Courtesy car cover: the questions to ask before a claim
Compare the cover behind the premium, from damage to your own car to the transport you need while it is repaired.
Read the guide ↗On the moveVan cover and tool cover: build a two-part checklist
Match your van policy to the journeys, goods and work that actually keep your business moving.
Read the guide ↗On the moveMotorcycle theft cover: check the conditions, not just the limit
Look beyond the bike’s value to riding use, security, equipment and the terms of a theft claim.
Read the guide ↗Home & belongingsBuildings or contents: which part of home insurance responds?
Understand buildings, belongings and the gaps between an insured event and everyday maintenance.
Read the guide ↗Home & belongingsLoss of rent and rent guarantee: ask which risk is insured
Separate the rental building, your liability and rental income risks before comparing a landlord policy.
Read the guide ↗On the moveAnnual travel cover: check the trip limits before booking
Compare medical, cancellation and disruption cover against the trip you have actually booked.
Read the guide ↗Home & belongingsSwitching pet insurance when your pet has a medical history
Understand treatment limits, renewal terms and what a change of insurer could mean for existing conditions.
Read the guide ↗Health & familyLife insurance: look beyond the mortgage balance
Compare the amount, duration and structure of cover against the people who rely on your income or care.
Read the guide ↗Health & familyChoosing an income protection waiting period
Compare when payments begin, how incapacity is defined and how long income support could continue.
Read the guide ↗Health & familyCritical illness cover: compare definitions, not condition counts
Look at the definitions behind the list of conditions, not just the number of illnesses advertised.
Read the guide ↗Health & familyDental insurance or a practice plan: compare the actual services
Separate dental insurance, cash plans and practice payment plans before comparing the likely costs.
Read the guide ↗Home & belongingsPhone insurance: compare the replacement, not just the premium
Check replacement terms, excesses and existing cover before paying to protect a device twice.
Read the guide ↗Business & professionalYour first business insurance conversation: a preparation checklist
Build a cover plan around your work, people, premises and customers instead of a generic business label.
Read the guide ↗Business & professionalPublic liability and professional indemnity: separate the risks
Understand claims involving injury, property damage and the products your business makes or supplies.
Read the guide ↗Business & professionalProfessional indemnity renewal: keep past work in the conversation
Compare the professional work insured, claim timing and the terms that remain important after a project ends.
Read the guide ↗Business & professionalHiring your first employee: prepare the insurance handover
Understand employee injury cover, the people who need to be considered and the records to keep.
Read the guide ↗Business & professionalCyber insurance: make the incident response number useful
Examine incident response, recovery and liability alongside the security conditions your business must meet.
Read the guide ↗Business & professionalCommercial property values: build an inventory that can be updated
Match building, equipment and stock protection to the real cost of rebuilding and replacing business assets.
Read the guide ↗Business & professionalBusiness interruption: recovery can take longer than repairs
Understand the event that triggers cover and the time the business may need to recover its income.
Read the guide ↗Business & professionalTrade credit cover: connect the policy to your accounts process
Assess unpaid customer invoices, buyer limits and the credit-control duties that go with the cover.
Read the guide ↗Health & familyPrivate health insurance, explained
What you are buying, what to check and where the NHS fits in.
Read the guide ↗Health & familyWhat affects the cost of health insurance?
Look beyond the headline premium to understand what you will pay.
Read the guide ↗Health & familyHealth insurance when you work for yourself
A practical checklist for freelancers and business owners.
Read the guide ↗Health & familyChoosing health cover for your family
The questions to ask when more than one person needs cover.
Read the guide ↗Health & familyPre-existing conditions: what to ask
Why your medical history matters before taking out a policy.
Read the guide ↗Health & familyOutpatient cover: the detail worth checking
Consultations, tests and treatment without an overnight stay.
Read the guide ↗Health & familyHow a health insurance excess works
Understand your contribution before you need to claim.
Read the guide ↗Health & familySwitching health insurance without surprises
Check the new terms before you change providers.
Read the guide ↗Health & familyHospital lists and consultant choice
Check where you could actually receive treatment.
Read the guide ↗Health & familyHow to read health insurance reviews
Use customer feedback without mistaking it for a policy guarantee.
Read the guide ↗Health & familyIs private health insurance worth it?
Weigh the cost against your priorities and other options.
Read the guide ↗Health & familyYour checklist before buying health insurance
Eight questions to take to an insurer or authorised broker.
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