Insurance

We provide comprehensive guidance articles on various Insurance topics, equipping you with the knowledge you need to make key decisions.

Insurance can be a safety net, but only if you understand what you’re getting. From landlord, builders and business insurance, our guides break it all down so you can choose the right protection with confidence.

Most Searched Insurance Topics

What Is Insurance Premium Tax?
It’s a government tax added to most insurance policies. Learn what Insurance Premium Tax is, how much it costs, and which policies are affected.

What Is Employers’ Liability Insurance?
It’s legally required if you employ anyone. Discover what Employers’ Liability Insurance is, what it covers, and how much cover you need.

Do You Need Life Insurance for a Mortgage?
It’s not mandatory but often recommended. Find out whether you need life insurance for a mortgage, and what types are most suitable.

Do I Need Public Liability Insurance?
If you work with the public or clients, it’s essential. Learn whether you need public liability insurance, what it covers, and when it’s required.

What Is Business Insurance?
It’s an umbrella term for several types of cover. Discover what business insurance is, including policies for liability, premises, and staff.

What Is Contractors All Risk Insurance?
This protects contractors against property damage and third-party claims. Learn what Contractors All Risk Insurance is, and why it’s often required on building sites.

Can You Have Multiple Life Insurance Policies?
Yes and many people do. Find out whether you can have multiple life insurance policies, and when it makes sense to hold more than one.

How Much Is Business Insurance?
It varies based on your trade, size, and cover level. Discover how much business insurance costs, and what affects your premium.

What Does Building Insurance Cover?
It covers the structure of your home, not your contents. Learn what building insurance covers, including fixtures, walls, and permanent fittings.

What Is an Excess in Insurance?
It’s the amount you pay toward a claim before your insurer contributes. Find out what an insurance excess is, and how voluntary excess can lower your premium.

What Is an Insurance Premium?
This is the amount you pay for your policy. Learn what an insurance premium is, how it's calculated, and why it can change each year.

Why Is Insurance So Expensive?
Prices depend on risk, claims history, and market trends. Discover why insurance is so expensive, and what you can do to reduce your costs.

Is Life Insurance Taxable?
Usually not but some exceptions apply. Find out whether life insurance is taxable, and how to keep payouts outside your estate.

Is Private Health Insurance Worth It?
It depends on your needs and expectations. Learn whether private health insurance is worth it, and how it compares to NHS care.

What Does Landlord Insurance Cover?
It’s designed to protect rental property and income. Discover what landlord insurance covers, from buildings and contents to liability and loss of rent.

Do You Have to Have Home Insurance?
It’s not a legal requirement but lenders usually insist on it. Learn whether you have to have home insurance, and what’s at risk if you don’t.

Is There VAT on Insurance?
No, insurance is exempt, but Insurance Premium Tax applies. Find out whether there’s VAT on insurance, and what charges might still apply.

What Insurance Should My Builder Have?
Public liability, employer’s liability, and contractors' all risk are key. Learn what insurance your builder should have, and how to check their certificates.

How Does GAP Insurance Work?
It covers the difference between your car’s value and what you owe. Discover how GAP insurance works, and when it’s worth adding to your policy.