Insurance Guide Central

If you want to take your treasured vintage motor out on the road, you will need to take out specialist classic car insurance. Here are some invaluable hints and tips to help you find the most appropriate classic car insurance for your needs, and some ideas that can really help you to cut the cost of your classic car insurance premium. Read More »

There are two main types of home insurance – buildings insurance, and contents insurance. Many homeowners choose to purchase combined buildings and contents insurance in order to save money and time, but this is not always the best option. In this article, we show you what to look out for when you are buying buildings and contents insurance, and give you some invaluable money-saving tips. Read More »

Car insurance for 17-year-olds has always been expensive, and in recent years, many firms have stopped offering car insurance for 17-year-olds altogether, due to the high risk of claims. This can make it very difficult, not to mention expensive, for young drivers who have just passed their test to obtain car insurance. However, there are quite a few things that you can do to bring down the cost of car insurance for 17-year-olds. In this article, we show you how to find the most appropriate car insurance for 17-year-olds, and give you some tips on how to reduce the cost of your premiums. Read More »

If you want to drive a car in most countries, then you will need to take out car insurance, as it is illegal to take to the road without it. If you don’t know what you’re looking for, it can make it a difficult to find affordable and appropriate cover. Here, you can find brief descriptions of all the different types of car insurance that are available, and a few tips to help you find the right car insurance for you – at a price you can afford. Read More »

If you have a UK car insurance policy, and you plan to drive on the continent, you may need to take out additional European car insurance. There are a few different levels of European car insurance available, and if you’re not careful, you could end up paying over the odds, or being left exposed to unnecessary risk while driving abroad. In this article, we discuss the various ins and outs of European car insurance, and give you a few tips on how to find the best European car insurance deals. Read More »

As a landlord, getting a better deal on your landlord insurance means holding on to a higher percentage of your rental income. We take a look at your landlord insurance options as well as simple steps that you can take to ensure that you are not paying over the odds for your landlord insurance premium. Read More »

If car insurance firms had to pay out for a costly repair every time a customer’s car broke down or was involved in a small accident, it would drive the cost of car insurance beyond the reach of the average driver. This is why they reward some people for not claiming on their insurance by giving them a no claims discount, which gets progressively bigger the longer they go without making a claim on their car insurance policy. Here, we explain the ins and outs of the no claims discount, and give you some tips as to how to how to protect your no claims discount. Read More »

Making modifications to your car to improve its appearance or performance can make it more difficult to find affordable car insurance, and invalidate your current car insurance policy. However, if you go about it the right way, you can find a modified car insurance policy that is both affordable and suitable for your needs. In this article, we give you a few pointers as to how to modify your car without making it too expensive to insure, and a couple of tips to help you bring down the cost of your modified car insurance premiums. Read More »

If you are a young driver that is studying at university or college, you may find it rather difficult to find affordable car insurance, due to the perceived high risk of insuring younger drivers, especially those who live in high crime areas. However, there are some firms out there that specialise in providing affordable student car insurance for young drivers. In this section, we give you some advice as to how to obtain cheaper student car insurance. Read More »

Car insurance can be very expensive, but if you are clued up about it, you can save a lot of money. Here, you can find plenty of car insurance tips and tricks to help you bring down the cost of insuring your vehicle and find the cover that is most appropriate to your needs. Read More »

Many home insurance policies offer family legal protection as a cost option. This can provide you with financial support in the event that you, or a member of your family, becomes involved in a legal dispute. Here, we look at the different types of cover that may be offered in a family legal protection policy, and give you a few tips on how to get the best deals and the right level of coverage. Read More »

As well as providing standard building and contents insurance, the home insurance market has extended to provide a whole range of specialist and additional home insurance products for homeowners and business owners, students and landlords too. Here we take a look at a wide selection of the latest home insurance products that are available. Read More »

Building your own home can be an incredibly rewarding experience, but it also requires an incredible amount of hard work and forward planning, not least in terms of obtaining the right kind of insurance. Our step-by-step guide to new build insurance talks you through your new build insurance options. Read More »

If there is more than one car registered at your address, you may be able to save both money and time by insuring them all under one multi-car insurance policy. However, there are a few potential pitfalls to this multi-car insurance approach. In this article, we discuss the pros and cons of taking out multi-car insurance, and give you some advice as to how to save money on your multi-car insurance policy. Read More »

If you only need car insurance for a short period of time, or want a visiting friend or relative to be able to drive your car while they are in the area, then the cheapest and easiest way to do this is usually to take out a temporary car insurance policy. In this article, we talk about temporary car insurance in detail, and give you some tips to help you save money on your temporary car insurance policy. Read More »

Looking for hotel insurance? We take a look at your options when it comes to sourcing the best quotes. Whether you own a small B&B, or a large scale luxury hotel resort, take a look at our hotel insurance guide and see if our tips can help you save on your hotel insurance costs without compromising on your level of cover. Read More »

Looking to save on home insurance costs? Our home insurance tips offer an easy to follow guide to the factors that affect the price of your premium, and you can use this knowledge to your advantage and make big savings to the cost of your home insurance policy. Take a look at our home insurance tips and see how much you could save. Read More »

If you own a sports car, then the chances are you are going to have to pay a little over the odds for your car insurance. However, there are a few things that you can do to bring down the cost of your sports car insurance premium. In this section, we talk a little bit about sports car insurance, and give you some strategies to help you find the best sports car insurance deals. Read More »

Powerful cars are viewed as a higher risk by car insurance firms for a number of reasons. Also, the more valuable it is, the more you stand to lose if you are not adequately insured. Performance car insurance is a specialist type of insurance for faster and more powerful vehicles, such as prestige cars, sports cars, modified cars, and kit cars. In this section, we take a close look at performance car insurance, and give you some priceless money-saving tips to help you cut the cost of your performance car insurance premiums. Read More »

From laptops and PCs, to iPods and smartphones, students now own and rely upon a whole range of expensive gadgets to see them through university. We take a look at student insurance and see why this kind of specialist insurance offers a far better deal to students than standard home contents cover. Read More »

If you want a friend, relative, or colleague to be able to drive your vehicle on occasion, then one of the cheapest ways to do this is to name them as an additional driver on your car insurance policy. In this article, we discuss the advantages and disadvantages of named driver car insurance, and give you some tips on how to save money on your named driver car insurance policy. Read More »

Your mobile phone, laptop, bikes and jewellery may be covered by your home contents policy while they are safely inside your home, but what happens if these personal items are damaged or stolen outside of your home? Advances in technology have made our electronic items smaller and more portable, and as a result we carry more valuable items with us when we’re out and about than ever before. This is where personal possessions cover comes in. We take a look at what personal possessions insurance covers and how you can keep your personal possessions cover costs to a minimum. Read More »

One way in which you can bring down the cost of buying a new car is to purchase an unofficially imported model, rather than an official import or a car built in the UK. However, if you are not careful, you could end up with a car that is very expensive to insure, if you can find insurance for it at all. Therefore, it is a good idea to find out a bit about the in and outs of imported car insurance before you make any purchases. In this article, we give you the lowdown on imported car insurance, and give you some pointers as to what to look for when you are purchasing an imported vehicle. Read More »

Has your property ever suffered subsidence or flood damage? Have you ever been declared bankrupt? Has your property been underpinned or had its foundations reinforced? All of these factors are considered non-standard risks to insurers, and you may need added non-standard risk insurance as a result. Check out our non-standard risk insurance guide to see if non-standard risk insurance applies to your home. Read More »

Owning a part of British cultural heritage means that as a listed property owner you have an added responsibility to Great Britain’s cultural history when it comes to insuring your property. Listed buildings are special and require special insurance cover too. If you are looking for listed building insurance, what are your options? And how can you help to keep your listed building insurance costs to a minimum? We take a look at listed building insurance and how you can seek out the most affordable premiums. Read More »

Most mainstream car insurance firms don’t really know what to do with kit cars, and as a result, are unable or unwilling to provide kit car insurance. Thankfully, there are quite a few firms out there that specialise in providing kit car insurance. In this article, we take a look at the process involved with insuring a kit car, and give you a few ideas to help you save money on your kit car insurance premiums. Read More »

Home emergency insurance is an increasingly popular way for homeowners to cover the expensive costs of plumber call-outs and labour charges in the event of a plumbing emergency, but is this kind of home insurance cover worth it? We take a look at the pros and cons in our home emergency insurance guide. Read More »

Holiday homes represent a much bigger insurance risk than properties that are occupied full time by one group of residents. Also, holiday homes often require cover that is not provided with most standard home insurance policies, so if you own a second home in the UK or abroad, you will have to take out holiday home insurance. Here, we discuss the various elements of cover that are available with holiday home insurance policies. Read More »

Gardens are particularly attractive to thieves, as they are easy to get into, and often contain several valuable objects. Most home contents insurance policies will only cover a certain amount of garden valuables, so if you have spent a little bit of money on your garden, then you will need to take out dedicated garden insurance. Here, we show you how to make your garden more secure, and how to get the best possible deal on your garden insurance. Read More »

Due to the effects of global warming on sea levels, Britain is becoming an increasingly flood-prone place to live. Many home insurance policies will not cover you for natural disasters such as floods, so if you live in a high-risk area, you might want to take out dedicated flood insurance. Here, we show you how to get the best deals on flood insurance, and give you some invaluable tips to help you prepare for a flood, and cope with the aftermath. Read More »

A fire at your business premises could see your whole business go up in smoke. While standard commercial property insurance and home insurance policies usually provide some fire insurance, this is not always sufficient, so it is a good idea to take out dedicated fire insurance to protect your business from the risk of fire or arson. In this article, we take a look at how to ensure that you are getting the most appropriate fire insurance cover for your needs at a price that your business can afford. Read More »

Most home insurance policies will offer you a financial cushion to help you cope with things such as burglary, flooding, and subsidence. However, if you or someone in your home were to bump into your priceless Ming vase, you would have to pay for the damage yourself. That is, unless you were canny enough to take out additional extended accidental damage cover. In this section, we discuss the ins and outs of extended accidental damage cover, in order to help you decide whether you really need it. Read More »

No-one really knows when or where the next natural disaster will strike, but some areas are more prone to them than others. Often, standard home insurance policies will not cover your property in the event of a natural disaster such as an earthquake or flood, so if you live in a high-risk area, it might be worth taking out dedicated disaster insurance. However, it can be very expensive, and often represents poor value. In this section, we explain what disaster insurance is, in order to help you make your mind up about whether you really need it or not. Read More »

While you are not legally obliged to possess home contents insurance, you may be leaving yourself exposed to unnecessary financial risk if you do not. Contents insurance is intended to provide you with replacement items in the event that the goods stored inside your home are stolen or damaged. Here, we show you how to make sure that you are getting the right level of contents insurance cover, at the right price. Read More »

Building insurance is a type of insurance that covers the structure of your home and any permanent fixtures and fittings. Unless you own your home outright, then you are legally obliged to have building insurance, and even if you have paid off your mortgage, it is still a very good idea to have it. In this section, we discuss the various ins and outs of building insurance, and show you how to find the most affordable and appropriate building insurance cover for your needs. Read More »

It has not escaped the notice of insurance firms that women are far less likely to claim on their car insurance policy than men. Statistics show that women use their cars less, drive more carefully, and commit far fewer driving offences than men. The upshot of this is that car insurance for women tends to be a lot less expensive than car insurance for men, with some firms specialising in offering cheaper car insurance for women drivers. In this article, we talk about how to get the best deals on car insurance for women. Read More »

Car insurance for new drivers can be pretty expensive, especially if you are under 25. Thankfully, there are plenty of things that you can do to bring down the cost of car insurance for new drivers. In this article, we show you how to find the most appropriate car insurance for new drivers at a price that you can afford. Read More »

If you have a gas boiler, it is a good idea to take out dedicated boiler insurance in addition to your home insurance policy. This will guarantee that you will be able to get it fixed if it ever breaks down, and if it breaks down for good, you will not have to pay the full cost of purchasing a replacement. Also, most boiler insurance policies include an annual service by a qualified engineer, which is vital to the safety and efficient running of your central heating system. In this section, we show you how to get the best deal on your boiler insurance policy, and give you a few tips as to what to look out for when buying a boiler insurance policy. Read More »

Exceptionally valuable homes with valuable contents are not always adequately insured by standard home insurance policies. This is where all risk home insurance comes in. All risk home insurance includes a number of elements of cover that are not usually provided with a home insurance policy, and while all risk home insurance tends to be more expensive than ordinary home insurance, it can be well worth it in some circumstances. Here, we look at some of the extra types of cover that are offered with all risk home insurance. Read More »

Most car insurance policies will pay out a fair bit less than you paid for your car in the first place if you make a claim, due to the effects of depreciation. However, you can get car depreciation insurance to balance out the effects of depreciation on the insurers valuation of your vehicle. In this article, we show you how car depreciation insurance works, and also give you some tips on how to minimise the effects of vehicle depreciation and cut the cost of your car depreciation insurance policy. Read More »

If you drive as part of your job, you may not be covered under the terms of your car insurance policy. While you will be insured for driving to and from work, anything else will require you to take out specialist business car insurance. In this article, we talk about the various different types of business car insurance, in order to help you find the most appropriate cover for your needs. Read More »

We are passionate about the Insurance market and all its derivatives, and aim to bring you the best articles on car insurance, home insurance, travel insurance, life insurance and all other insurables you can think of. Right now we are putting together a comprehensive guide to help you shop for insurance without falling to the classic mistakes and pitfalls. Read More »