insurance guide
What is income protection insurance ?
Also known as permanent health insurance (PHI). It replaces part of your income if you are unable to work for a long time because...
What you need to know when buying insurance
Generally, firms selling insurance and those providing insurance cover have to be regulated by us, or be the agent of a regulated firm.
There...
WARNING of flash flooding as snow thaws
According to met forecasters, flash flooding could be expected as Britons brace themselves for the latest phase of winter weather chaos. While the snow...
What you should know about dental insurance ?
Dental insurance is a type of health cash plan that focuses on dental care. Most of these pay for treatments such as crowns, root...
What a health cash plan for ?
Health cash plans provide limited cash sums towards everyday healthcare bills. Different policies cover one or a combination of healthcare such as dental care,...
The ABI publishes Good Practice Guide to help customers buying insurance online
Customers using the internet to buy general insurance, such as motor and home cover, will benefit from guidance published today (29 December) by the...
UK life insurers to find simpler definitions for protection products and services
UK consumers are confused about what insurance cover they think they have compared with what they are actually covered for, according to Swiss Re’s...
Motor insurance
The law says you must have motor insurance to drive. Some policies cover the replacement or repair of your vehicle, depending on the circumstances...
Contents insurance
This covers the loss of or damage to the contents of your home. It includes items within your home as well as items you...
Severe weather warnings and heavy rain continue to affect parts of the UK
"People have been affected by a weekend of storms and gales and the saturated ground will mean any more rain could cause flooding in...
How to protect your health ?
Every UK resident is entitled to free healthcare from the NHS, but you may want health insurance so that you can have a choice...
Should I continue to pay my premiums?
A consumer should continue to pay their premiums while their claim is being considered. However, once a claim is being paid, the premiums are...
What do “total disability” and “total incapacity” mean?
The term “total disability” means that the consumer has to be totally unable to carry out their occupation, before benefits can be paid under...
What if the definition of “total disability” wasn’t explained when I took out the policy?
If a consumer complains that the way the insurance cover worked wasn’t adequately explained to them when they applied for the policy, we will...
Are insurance companies allowed to review a claim they’re already paying – and stop benefits?
Insurance companies have the right to review claims from time to time, to make sure that consumers claiming benefits continue to meet the terms...
What if I’m unhappy with my insurance company’s decision to reject or stop my claim?
You should first raise your complaint directly with the insurance company – and give them the opportunity to review your case. By law it...
Clarity needed from FSA to ensure wider access to financial advice
The FSA must act quickly to secure the benefits of its changes to the financial advice market, says the ABI. The message comes in...
How to solve problems with your insurer or broker ?
Sometimes you may be unhappy with a financial product or service, you find you’re paying more than you should or there’s a problem with...
What a contents insurance covers ?
Contents insurance covers the loss of or damage to the contents of your home. Always check what is and isn’t covered, and find out...
What you should know about mobile phone insurances
When you buy a mobile phone you should be wary of any calls you receive soon after from companies offering you insurance cover (these...
