HETAS says September to November is the busiest time for chimney sweeps. Here is what UK home insurers expect from log burner and open fire owners on sweeping, paperwork and disclosure, and what two Ombudsman decisions show about refused fire claims.
Deer collisions peak from October to December, just as the clocks go back. Only comprehensive cover repairs your own car, and a claim can still cost you two years of no-claims discount. Here is what to do, and what the law actually requires.
When the clocks go back on 25 October, break-ins tend to rise across the UK, and so do disputed home insurance claims. Here's what actually decides whether an insurer pays out, and where the small print catches people out.
Lifetime, maximum benefit, time-limited or accident-only — the four types of UK pet insurance work very differently once a condition recurs. Here's what actually determines the bill you end up paying.
A £300,000 life insurance payout is meant to protect your family. Left outside a trust, up to £120,000 of it can go straight to HMRC instead.
Most UK home insurance policies quietly cap what they'll pay out on a stolen bike — often nowhere near what a decent road or e-bike actually costs to replace.
Standard car insurance stops covering you the moment you carry paid passengers or deliveries. Here's what hire and reward cover for Deliveroo, Uber and Amazon Flex drivers actually costs in the UK.
Standard buy-to-let cover often excludes HMOs entirely. Here's what UK landlords running shared houses actually need to check on their policy before the next renewal.
A laptop stolen from an unlocked room in the first week of term isn't covered by most parents' home insurance the moment the term address becomes permanent — and that gap catches out more freshers than any other insurance mistake.
A cracked phone screen or a dropped laptop can be covered by three completely different policies, each with its own excess, exclusions and claim process. Here's how they actually differ.
Telematics car insurance can cut a first-year quote in half for a new driver — but only if you understand how the box actually scores you, and what gets you dropped.
Private e-scooters still cannot be legally insured for road use in the UK, while a compliant e-bike needs no insurance at all by law. Here is where each one actually stands in 2026.