Every UK insurance guide in one place

Your landlord insures the building and any furniture they own. Your own possessions are not covered. A tenants policy (essentially contents-only insurance) pays out if your belongings are stolen, damaged by fire or affected by a leak. Most policies also include optional tenant liability for accidental damage to the landlord’s property.

No-claims bonus (NCB) protection lets you make a set number of claims (usually two in three years) without losing your discount. It does not stop your premium going up after a claim, only the loss of the NCB percentage. It is worth paying for if you have built up 4+ years and the protection costs less than 10% of your premium.

Yes. Any modification from the manufacturer specification must be declared: alloy wheels, suspension changes, tinted windows, performance chips, even some cosmetic changes. Failure to declare is the most common reason claims are rejected. Always tell your insurer before fitting and get the change added to the policy in writing.

Yes. The GHIC (the post-Brexit replacement for the EHIC) gives access to state-provided healthcare in EU countries at the same cost a local would pay, which is often not free. It does not cover repatriation, cancellation, lost baggage, scheduled airline failure or travel outside the EU. A full travel insurance policy is still essential.

Yes. You can cancel a UK insurance policy at any time. Your insurer will refund the unused months, usually less a small admin fee (typically £25-£50). Switching mid-policy is only worth it if the new quote, plus the admin fee and any first-year loss of no-claims accrual, still beats sticking with your current insurer until renewal.