Not all insurance is worth the premium. Here's the cover that's usually a waste of money in the UK, and the protection most people underrate until it's too late.
FCA pricing fairness rules reshaped UK insurance. The May renewal is worth actually reading: flood-risk reclassification, mileage on motor policies and the accidental damage cover that rarely earns its premium.
Two and a half years after Storm Babet, UK buildings premiums are still climbing — and most homeowners are letting them. The three renewal moves that actually work this summer.
If your dog's annual lifetime insurance renewal landed at £820 this spring, you weren't alone — average UK pet lifetime premiums rose 91% between January 2024 and April 2026. Two products are quietly taking the market, and one of them is older than the lifetime policy itself.
The combination of 2025's dry autumn and 2026's wet spring has caused the biggest UK clay-soil movement event since 2018. Subsidence claims in May are at a four-year peak, and one in five will be settled below the policyholder's worst-case estimate.
One in five UK home insurance claims is quietly cut at settlement because of underinsurance. The average clause, why the 2026 gap is wider than ever, and the 20-minute fix that protects the payout.
UK insurance excesses have crept up to 500-1,000. Excess insurance is the small standalone policy that pays them back. The 2026 guide to when it earns its keep — and the three traps that cancel it.
Income protection sounds simple until you read the small print. The 'own occupation' definition pays out far more often than the cheaper 'activities of daily living' version — and the price gap is smaller than insurers want you to think.
Most home emergency cover policies are built to refuse claims. Here's the small print, the genuine exclusions and the providers that pay.
From £4,500 cruciate surgery to lifetime arthritis bills, here is how UK pet insurance really works in 2026 — and the excess traps that catch owners.
Brokers love selling critical illness cover, but income protection is often the better buy. Here is how to decide between the two.
Travel insurance in 2026 is full of quiet exclusions, misleading cover levels, and medical caps that haven't kept up with inflation. A practical UK guide to buying cover that actually pays when it matters.