PROTECTION

Research suggests that many UK households could be missing out on better home insurance deals as they have allowed their policy to auto-renew. A quarter of Brits let their home insurance renew automatically and 17% of this group haven’t checked if better deals are available. A further 8% admit that they left it too late to shop around, by which point their policy had already rolled over. The trend is particularly noticeable among men, who are more likely to let their policies

Recent analysis shows that younger adults are benefitting from cheaper life insurance. In 2025, the average monthly life insurance premium for 18- to 24-year-olds was only £12 a month, while customers over the age of 55 were paying an average of £48. Over the last five years, the cost of insurance for the younger generation has fallen by 5%, however it has risen by 38% for over-55s. The research also indicates that more younger adults are taking the opportunity to combine lif

Going through a divorce can be a very challenging time for you and your family; on top of the emotional stress of separation, there are many practical logistics for you to deal with. Amidst all this, it can be easy to forget about life insurance, but your policy won’t change automatically when you divorce, so it’s important to review it as soon as you can. If you have an individual policy… Even if you and your former partner had separate life insurance policies, you will stil

A survey has found that many homeowners don’t review their protection cover when remortgaging. Only 18.6% of respondents said they properly reviewed their protection when they remortgaged, while 64% did a cursory check and 17% did not review their cover at all. This suggests that many UK homeowners may have policies that no longer meet their needs due to changes in income, lifestyle and family circumstances. As a result, some households could find themselves in a vulnerable f

If you’re self-employed, it’s essential to ensure you have the right protection in place – otherwise, you risk leaving yourself financially vulnerable if you’re unable to work. Many people enjoy the freedom that comes with being self-employed – you can be your own boss and work on your own terms. However, it does mean that you’re not eligible to receive Statutory Sick Pay if you’re unwell. No sick pay, no safety net Research has found that self-employed people take 35% fewer

If you have recently bought your first home, this may be your first time navigating home insurance. Here are some tips to get you started. Buildings and contents insurance - explained Buildings insurance covers the structure of your property, plus any permanent fixtures that you wouldn’t take with you if you moved (e.g. walls, toilets and fitted kitchen cupboards). Most mortgage lenders require you to have buildings insurance. Contents insurance is not mandatory, but it is st

Moving home or renovating in 2026? Make sure you’re adequately covered. Before you move, it’s important to check the details of your home contents policy, as exclusions may apply to the removals process. For example, some insurers only cover belongings packed and moved by professionals. Additionally, your home insurance won’t automatically be applicable at your new address, so you will likely need to transfer the policy over (if allowed). Similarly, if you’re renovating your

Don’t accidentally invalidate your home insurance - here are the biggest mistakes that homeowners make and how to avoid them… Outdated valuations When taking out buildings insurance, you will need to calculate how much it would cost to rebuild your home if something happened. If you’ve recently undergone renovations, building work or other alterations, the rebuild cost may have changed. If you haven’t notified your insurer about this, you risk leaving your home underinsured.

A survey has revealed that homeowners are more likely to plan a new kitchen than seek out protection. Research found that respondents were more likely to spend money on new furniture (36%), redecorating (26%) or installing a new bathroom or kitchen (25%) than on taking out protection insurance, with only 15% saying it was a priority. However, many mortgage holders expressed concern about their financial security, with 62% saying they are worried they could lose their home if

Recent tax changes have prompted some to reevaluate their reliance on pensions for wealth planning. Amidst this uncertainty, life insurance could provide some peace of mind for those looking to protect their family’s future. Salary sacrifice changes In the Autumn Budget 2025, Chancellor Rachel Reeves announced changes to salary sacrifice for pensions from April 2029. Currently, an employee can agree with their employer to give up part of their salary and, in return, their emp

With a new year upon us, now is the perfect time to take stock and review your protection policies. A lot can happen in a year and, as circumstances change, it’s essential to make sure your cover still meets your needs. Here are some examples of when you should review your insurance: Marriage or civil partnership We know that there are already lots of things to think about when planning a wedding, but don’t let your protection slip through the net. Getting married can signifi

There are many misconceptions about home insurance, so 2026 is the year to get informed. Here are some key statistics to help you stay updated: Insurers pay out more According to data from USwitch, in Q2 of 2025, UK insurers paid out £1.6bn in property-related claims. This is 7% higher than the value of payouts in Q1, indicating that an increasing number of households are falling back on their home insurance policy. Extreme weather takes its toll In 2024, weather-related dama

A report has revealed that only a quarter of working adults in the UK have an income protection (IP) policy. According to research from LV, only 27% of the working population have a financial safety net to protect their income if they are unable to work due to illness or injury. Despite this, half of those surveyed said they would feel more financially resilient if they had appropriate IP cover. The most financially vulnerable group Interestingly, the survey found that couple

Research has found that many Brits would need to sell their family home if their spouse died. The findings showed that one in three (30%) UK adults would not be able to afford to stay living in their home if their partner died unexpectedly. Meanwhile, 35% would need to tap into their savings to make ends meet, and 18% would have to take on extra work. The importance of protecting your mortgage The survey found that keeping up with mortgage repayments was the biggest financial

Life cover is designed to provide loved ones with essential financial protection when it is needed most. Life cover is designed to provide loved ones with essential financial protection when it is needed most. But it’s not just a one-off decision - it’s important to review and update your policy regularly, especially after experiencing any key life events that may change your circumstances. Buying a home In a recent survey, 21% of UK life insurance policyholders said that the

Data has found that most consumers prefer to seek professional advice before purchasing an insurance product. Nearly two-thirds (64%) of respondents said they would feel most comfortable taking out protection after consulting an adviser. When researching products, most people (59%) would use comparison sites, while 45% would visit the individual sites of insurance companies. The younger generations Interestingly, 25 to 34-year-olds were most likely to seek advice from an advi

New research has revealed that just 43% of people have enough life insurance, with the so-called ‘squeezed middle’, typically in their...

A new study has found nearly a third of young UK mortgage holders have no protection cover, leaving them financially vulnerable if their...

By the time your child turns 18, the damage they cause at home could cost you nearly £15,000, according to Checkatrade. It says parents...

Home insurance premiums are rising, due to construction costs and claims linked to extreme weather. According to recent data, the...