Knowledge centre
Learn about your protection
General educational guidance only. It never replaces the wording of the policy issued by your insurance partner.
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12 guides
Getting started
How insurance works
You pay a premium; in return an insurer agrees to cover defined losses, up to defined limits, subject to the exclusions and excess set out in the policy wording. Always read the wording before you buy.
Getting started
Sum insured, excess and limits
The sum insured is the maximum the insurer will pay. The excess is the part of a claim you carry yourself. Limits apply per event or per policy year — check both.
Motor
Third party vs comprehensive motor cover
Third party cover responds to damage or injury you cause to others. Comprehensive adds damage to your own vehicle, and may include theft and assistance benefits where the product provides them.
Motor
What to do after a road accident
Make everyone safe first, then record the time, location, other parties and photographs of the scene. Report the incident in the claims centre as soon as you can — delays can affect a claim.
Health
Waiting periods explained
Some health benefits only become available after a waiting period. These are always disclosed on your quote and in the policy wording before you pay.
Claims
How to prepare a strong claim
Report early, describe what happened plainly, and upload clear evidence: photographs, receipts, reports and any documents the officer requests. Accurate detail speeds up assessment.
Claims
Who decides a claim
An authorised claims officer and the issuing insurance partner decide. No automated score declines a claim on its own.
Business
Building a risk register
List each exposure, score how serious it is, agree an action, and note which insurance protects it. Review it at least once a year or after any major change.
Business
Business interruption cover
This responds to lost income after an insured event stops your operations. The amount depends on your revenue, your indemnity period and the cover the partner offers.
Travel
Choosing travel cover
Match the cover to the trip: destination, duration, activities and the number of travellers. Medical, cancellation, baggage and delay benefits vary by product.
Agriculture
Protecting a farm
Cover can extend to crops, livestock, equipment and farm buildings. Accurate farm size, production figures and asset values make quoting far easier.
Security
Keeping your account safe
Use a unique password, keep your contact details current, and review security alerts in your notifications. We never ask for your password or full card details.