Insurance & Finance

In insurance and finance a single clause decides how much you receive, and that clause is usually the hardest sentence to read. Here we work through what to check before you sign, using real cases.

We cover what indemnity health cover and motor policies include and exclude, and where claims actually get stuck. How premiums are calculated and what changes at renewal is covered too, along with pension timing, because with these the moment you choose is the amount you get.

We do not rank products or say which one is better. What we leave you is how the clauses and the schemes actually work. Once you know where two products with the same name diverge, you no longer have to take the seller's account at face value.