Insurance & Protection
Does Home Insurance Cover Cracked Walls and Render?
Buildings insurance pays for cracking caused by an insured event, not by age or damp. Here is how to tell which you have, and why claiming can cost more than the repair.
Topic
Insurance & Protection
Protecting your home, income and family: life cover, income protection, home and health insurance.
MortgagesBuying & SellingMoney & FinanceCredit & BorrowingInsurance & ProtectionEquity Release & Later LifeInvestingBusiness & CommercialReviewsHome & LifestyleNews
Insurance & Protection
Should I Put My Life Insurance in Trust?
Should you put life insurance in trust? Usually yes — it keeps the payout outside your estate for inheritance tax, speeds up the claim, and it is normally free. Here's how it works.
Insurance & Protection
Does Home Insurance Cover Mobile Phones?
Does home insurance cover mobile phones? How contents and personal possessions cover work in and out of the home, plus excess, limits and alternatives.
Insurance & Protection
Do You Legally Need Life Insurance for a Mortgage?
Is it a legal requirement to have life insurance with a mortgage? No, it isn't the law, but here is why lenders ask and when cover is a sensible idea.
Money & Finance
Children's Critical Illness Cover
Children's critical illness cover pays a lump sum if your child is diagnosed with a serious illness such as cancer. See what's covered and typical costs.
Insurance & Protection
Does Home Insurance Cover Boiler Repairs?
The cost to repair a boiler can be expensive. But, with the right home insurance cover, restoring your home's heating system is easier than you might think.
Insurance & Protection
Does Home Insurance Cover Damp?
Discover if home insurance covers damp issues. Learn about the types of damp, causes, treatment options, and potential exceptions. Get informed and stay protected.
Insurance & Protection
Does Home Insurance Cover Subsidence?
Most buildings insurance covers subsidence, but usually with a high excess. Learn the signs, how claims work, and what to check when buying a house with a history of it.
Insurance & Protection
Does Income Protection Cover Redundancy?
Find the answer to the question, does income protection cover redundancy? Learn about alternative options for protecting yourself in case of unexpected job loss.
Money & Finance
The Fact Find and What to Expect
A fact find is the set of questions an adviser asks to understand your finances before advising. Here's what to expect and why it's a normal, required step.
Money & Finance
What Is Gift Inter Vivos Insurance? Cover Explained
How can Gift Inter Vivos Insurance be used to help with the Inheritance tax costs involved with Gifting?
Money & Finance
Gift Inter Vivos
Gifts made within 7 years of death can trigger a 40% inheritance tax bill. Gift inter vivos is life cover that pays that liability, falling with taper relief.
Insurance & Protection
What Is Home Emergency Cover and Is It Worth It?
Home emergency cover pays for urgent call-outs like boiler breakdowns, leaks and lockouts. Learn what it covers, how it differs from boiler cover, and if it is worth it.
Insurance & Protection
Should You Add Legal Cover to Home Insurance?
Legal cover is a cheap add-on almost nobody reads. Here is what it genuinely pays for, and the neighbour and boundary disputes it will not touch.
Insurance & Protection
Is Cyber Insurance Worth It?
Cyber insurance suits most businesses holding sensitive data, covering breaches, ransomware and legal costs, typically £500-£1,500 a year with 24/7 breach support.
Money & Finance
Is Protection Insurance Worth it?
Protection insurance earns its keep if losing your income would hurt, as statutory sick pay is modest. Income protection and critical illness cover the gap.
Insurance & Protection
Rent a Room Scheme
The Rent a Room Scheme lets you earn up to £7,500 a year tax-free from a lodger in your furnished main home. No tax return is needed if you stay under the limit.
Insurance & Protection
Type 1 Diabetes Life Insurance: The HbA1c Required
Type 1 diabetes life insurance is available via specialist insurers if you share annual HbA1c readings. Well-managed levels can cut premiums by up to 40%.
Insurance & Protection
Unemployment Insurance in the UK Explained
Unemployment insurance, often sold as ASU or income protection, can cover your income if you lose your job. Learn how it works, key exclusions and the alternatives.
Insurance & Protection
What Is Assurance?
Assurance pays out on an event certain to happen, like death, unlike insurance which covers uncertain risks. Whole-of-life cover is often used for funerals and IHT.
Insurance & Protection
When to Get Home Insurance When Buying a House
Protect your investment. Learn when to get home insurance when buying a house, and what happens if you don't have it. Read this insight to find out.