Insurance
Average Property Insurance Claim Hits Record £10,000 in the UK
UK property insurance claims have reached an unprecedented average of £10,000, driven by extreme weather, subsidence, and soaring rebuild costs.
Thomas Baker
Author
Writes about UK motor, commercial, and travel insurance, translating policy wordings and pricing factors into plain English for everyday readers.
- insurance
- motor-insurance
- commercial-insurance
- travel-insurance
Published articles
Insurance
What Is Home Insurance Excess and How to Choose One in the UK
Home insurance excess is the amount you pay towards a claim before your insurer covers the rest. Learn how excess affects your premium and how to choose the right level for your circumstances.
Insurance
A Complete Guide to Term Life Insurance in the UK
Term life insurance provides cover for a set period, paying out if you die during the term. Learn how it works, the types available, and how to choose the right policy for your family's protection.
Insurance
Comprehensive vs. Third Party Fire and Theft Car Insurance in the UK
Compare comprehensive and third party fire and theft motor cover to find which policy type best fits your needs and budget in the UK.
Insurance
Life Insurance Required by Foster Carers in the UK: Is It Normal?
A foster carer requiring a looked-after young person to maintain life insurance is unusual and raises questions about appropriateness and value. Here's what you need to know.
Insurance
Should You Add Gaming Consoles to Your Home Contents Insurance in the UK?
Gaming consoles can cost hundreds of pounds, but standard contents insurance may not fully protect them. Learn when to declare high-value electronics and whether specialist cover is worth it.
Insurance
Understanding Supplemental Life Insurance Through Work in the UK
Supplemental life insurance offered by UK employers can provide significant death-in-service benefits at low cost, but coverage ends when you leave the job.
Insurance
Does Your Home Insurance Cover Weather Damage in the UK?
Understanding which types of weather damage are covered by UK home insurance policies and what exclusions typically apply.
Insurance
Buildings Insurance for Your Mortgage: UK Requirements Explained
Understand what your mortgage lender requires for buildings insurance, how much cover you need, and why it protects both you and the lender.
Insurance
AA Car Insurance Review 2026: UK Policy Options and Service
An independent review of AA car insurance in the UK, covering policy types, pricing, breakdown cover bundling, claims service, and who benefits most from their comprehensive packages.
Insurance
Why Home Insurance Claims Acceptance Rates Vary So Widely in the UK
Some UK home insurers accept 85% of claims whilst others accept as few as 45%, reflecting differences in policy terms, risk appetite, and claims handling practices that directly affect your likelihood of receiving a payout.
Insurance
UK Insurers Pay Record £8 Billion in Protection Claims
British insurers paid out a record £8 billion in protection claims, marking the highest annual payout for life, critical illness and income protection cover.
Insurance
Does CCTV Reduce Home Insurance Premiums in the UK?
CCTV can reduce home insurance premiums by 5-10%, though the actual discount varies by insurer and system specification. Learn whether the savings justify the installation cost.
Insurance
Home Insurance Premiums Dip as Households Urged to Prepare for Autumn in the UK
UK home insurance premiums show signs of easing, but autumn weather risks mean householders must take preventive action to avoid costly claims.
Insurance
How to Get a Cheap Home Insurance Deal in the UK
Home insurance premiums in the UK have reached a seven-year high. Learn seven practical steps to reduce your costs without sacrificing essential cover.
Insurance
Understanding Home Insurance Premium Falls in the UK Market
UK home insurance premiums can fall significantly when competition among insurers intensifies, creating opportunities for homeowners to secure better value on their buildings and contents cover.
Insurance
Wildfire and Home Insurance Cover in the UK: What You Need to Know
With wildfires becoming more common in the UK, find out whether your buildings and contents insurance will cover fire damage to your home and what exclusions might apply.
Insurance
What's Happening to Car Insurance Premiums in the UK
UK car insurance premiums have surged significantly in recent years, driven by rising vehicle theft, repair costs, and claims frequency.
Insurance
Will Car Insurance Premiums Go Up in 2025 in the UK?
Motor insurance premiums in the UK rose in 2025 due to claims inflation, repair costs, and market conditions - discover what drove these increases and how to manage your costs.
Insurance
UK Home Insurance Pricing Turns a Corner as Most Insurers Quietly Raise Rates
After months of moderation, UK home insurance premiums are rising again as insurers adjust pricing in response to higher claims costs and rebuild expenses.
Insurance
What to Do If You're Considering Dropping Home Insurance in the UK
Rising premiums are pushing some UK homeowners to consider cancelling their buildings or contents insurance. Here are practical alternatives that keep you protected while managing costs.
Insurance
Home Insurance Premium Falls Slow Sharply as UK Market Shows Signs of Turning
The rate at which UK home insurance premiums are falling has slowed considerably in recent months, signalling a potential shift in market conditions after a period of welcome price drops.
Insurance
Contents Insurance for Tenants in the UK: What You Need to Know
Contents insurance protects your belongings as a tenant. Learn what's covered, why landlord insurance won't help, and how to calculate the right level of cover for your rental.
Insurance
What Insurance Records to Keep for UK Self-Assessment
Keep records of business insurance premiums for at least five years after the January 31 deadline to claim tax deductions and satisfy HMRC requirements.
Insurance
Home Insurance Renewal Checklist for Winter in the UK
Review your home insurance before winter arrives to ensure you have adequate cover for storms, floods, and cold-weather damage.
Insurance
Flood Insurance in the UK: Who Needs It and How Flood Re Works
Discover who needs flood insurance in the UK, how the Flood Re scheme helps high-risk homes get affordable cover, and what you need to know about protecting your property from flood damage.
Insurance
How to Make a Successful Home Insurance Claim in the UK
Learn the essential steps to file and settle a home insurance claim in the UK, from initial notification to final settlement.
Insurance
Switching Insurer Mid-Policy in the UK: Cancellation Fees and When It Still Pays
Most UK insurers charge cancellation fees when you switch mid-policy, but switching can still save money if the new premium is significantly lower.
Insurance
Understanding Insurance Excess in the UK: Voluntary vs Compulsory
Learn the difference between voluntary and compulsory excess on UK insurance policies and how to choose the right level for your circumstances.
Insurance
Temporary and Learner Driver Cover in the UK: A Guide to Short-Term Car Insurance
Understand how temporary car insurance works for learner drivers and those borrowing someone else's vehicle in the UK, and what affects the cost.
Insurance
How to Choose Between Comprehensive and Third Party Car Insurance in the UK
Understand the key differences between comprehensive and third party car insurance to make the right choice for your needs and budget.
Insurance
How the Financial Conduct Authority Regulates UK Insurance
Learn how the FCA oversees insurers, protects policyholders, and maintains standards in the UK insurance market.
Insurance
Term vs. Whole of Life Insurance in the UK: A Comparison Guide
Compare term assurance and whole of life insurance to choose the right cover for your family's financial protection in the UK.
Insurance
How Much Income Protection Do You Need in the UK: The Salary Replacement Calculation
Learn how to calculate the right level of income protection cover for your circumstances using the salary replacement method and UK-specific considerations.
Insurance
How to Calculate Income Protection Cover in the UK
Learn how to work out the right monthly benefit amount for income protection insurance to replace your salary during illness or injury.
Insurance
How to Estimate Travel Insurance Costs in the UK
Learn what drives travel insurance premiums and how to estimate the right cover cost for your trip before you buy.
Insurance
Lifetime vs. Per-Condition Pet Insurance Explained for the UK
Learn the critical differences between lifetime and per-condition pet insurance policies in the UK, and which type of cover best protects your pet and your finances.
Insurance
Home Insurance Premiums Fall 9% in the UK, with London and Scotland Seeing Sharpest Drops
Home insurance premiums in the UK have dropped 9% year-on-year, with London and Scotland experiencing the sharpest falls, bringing relief to households after years of price rises.
Insurance
What the UK's Record £8 Billion Protection Claims Payout Means
UK protection insurers paid a record £8.002 billion in combined individual and group claims in 2024. The figure shows why life insurance, critical illness cover and income protection can matter, but it does not mean every policy or claim will pay out.
Insurance
Car Insurance Premiums Continue to Fall in the UK with 13% Annual Drop
UK motorists are seeing significant relief as car insurance premiums drop 13% year-on-year, marking the steepest decline in over a decade.
Insurance
Flood Season Alert: Why UK Homeowners Should Consider Flood Insurance
With flood season approaching, UK homeowners should review their insurance cover to ensure they are protected against the rising risk of property damage from flooding.
Insurance
UK Homeowners Drop Coverage as Flood Insurance Costs Rise
Rising flood insurance premiums are pushing some UK homeowners to drop buildings and contents cover, leaving properties vulnerable to flood damage.
Insurance
Why UK Homeowners Should Review Flood Insurance Before Winter Flood Season
With flood risk rising across the UK, homeowners are being reminded to check their cover before the winter flood season begins.
Insurance
Flood Insurance Changes in the UK as Flood Season Approaches
UK homeowners face potential changes to flood insurance as the autumn flood season nears, with evolving Flood Re provisions and rising premiums in high-risk areas.
Insurance
Is Contents Insurance Mandatory in the UK?
Contents insurance is not a legal requirement in the UK, but landlords and leaseholders may face contractual obligations to arrange it.
Insurance
Storm Season Preparation: Your Home Insurance Coverage Review Checklist
Review your buildings and contents insurance before severe weather strikes to ensure you have the protection you need when storms and flooding hit.