How to complain and use the Financial Ombudsman
How to complain about an insurer and use the Financial Ombudsman Service: complaining to the firm first, when you can go to the Ombudsman, what it can do, what it covers, and that it is free.
Is paying monthly worth it? Premium finance explained
Premium finance explained: why paying monthly is a form of credit, how it works with a deposit and instalments, what it costs in APR, why many pay monthly, and how to decide.
Insurance and your credit score
Insurance and your credit score: why getting quotes does not harm your score, soft versus hard searches, why paying monthly is credit, keeping up payments, and whether insurers use credit information.
How to make a claim and avoid rejection
How to make an insurance claim and avoid rejection: act promptly, follow the insurer's process, gather evidence, be accurate and honest, know your cover and excess, and keep records.
Why shopping around still pays after the loyalty-penalty ban
Why shopping around still pays: what the 2022 loyalty-penalty ban did and did not do, why insurers still price differently, how to compare like for like, negotiating and switching.
How to read an insurance policy and your documents
How to read an insurance policy: the key documents, starting with your schedule, finding what is covered, paying attention to exclusions and conditions, the excess, and the limits.
Why claims get rejected and how to challenge them
Why insurance claims get rejected: non-disclosure, the event not being covered, breached conditions, wear and tear, and late reporting, plus when a rejection may be wrong and how to challenge it.
Insurance excess: compulsory vs voluntary
The insurance excess explained: what an excess is, the difference between compulsory and voluntary excess, how they add up, choosing your voluntary excess, small claims, and excess protection.
The FSCS: what happens if your insurer goes bust
The FSCS explained: the safety net if your insurer fails, when it applies, how much is protected (100% compulsory, 90% other), life and long-term cover, what happens, and checking your insurer is authorised.
Auto-renewal traps and how to avoid them
Auto-renewal traps explained: how auto-renewal works, why it can cost you, reading your renewal notice, not letting it roll over, turning it off, and comparing before you decide.
How insurance works: premiums, excess and risk pooling
How insurance works explained: the idea of pooling risk, what premiums and excess are, the insurance contract, why honesty matters, cover levels and limits, and how claims work.
Non-disclosure: why honesty when buying cover matters
Non-disclosure explained: what it is, your duty to take reasonable care when buying cover, answering questions honestly, honest mistakes versus deliberate misrepresentation, and telling insurers about changes.