Guides
How insurance actually pays out
Written by the brokers who handle the claims. Each one takes about four minutes.
Home and business · 4 min read
Underinsurance and the average clause
If the sum insured is short, every claim is cut by the same proportion, even when the loss is far smaller than the cover.
Claims · 5 min read
Storm or flood? Why the word on the claim form matters
Two claims from the same night can be settled completely differently depending on whether the water came down or came in.
Vehicles and trade · 3 min read
Are the tools in your van actually insured?
Most van policies exclude tools, or cover them only in daylight. Four questions to ask before the side door is forced.
Home and landlord · 3 min read
The 60-day rule for empty houses
Selling, inheriting or between tenants: once a property is empty for 30 to 60 days, most policies quietly shrink.
Want your own policy read like this?
Send us the schedule and the wording. We will tell you, in writing, what it would and would not pay.