Article index
All 125 articles on Insured and Ready, by section.
Health Cover
Section page →- Waiting periods are the part of health cover nobody readsAug 5, 2026
- Chronic conditions are the boundary private health cover will not crossJul 3, 2026
- Outpatient cover is where two health policies stop being comparableJun 27, 2026
- Guided hospital lists: a cheaper premium bought with a shorter menuJun 24, 2026
- Pre-authorisation, not the invoice, decides whether treatment is paidJun 22, 2026
- Health cash plans do a different job from health insuranceJun 18, 2026
- Why health premiums rise every year even when you never claimJun 16, 2026
- Excess, co-payment and co-insurance are three different billsMay 29, 2026
- Dental and optical cover is budgeting dressed as insuranceMay 24, 2026
- Mental health is where private medical cover is narrowestMay 22, 2026
- What happens to health cover when you leave the employer that bought itMay 18, 2026
- What a health insurer can see in your medical recordsMay 16, 2026
- Cancer cover is the clause worth reading firstMay 12, 2026
- Moratorium underwriting settles your history at the claim, not at the saleDec 1, 2025
- Switching health insurers without restarting your medical historyNov 25, 2025
- Maternity is the gap almost every health policy keeps openNov 23, 2025
- The deferred-treatment option: cover that waits for the public queueNov 18, 2025
- Therapy limits are counted in sessions before they are counted in resultsNov 16, 2025
- Specialist fee schedules and the shortfall nobody budgets forNov 13, 2025
- Diagnosis and treatment are two different promises in a health policyNov 8, 2025
- Area of cover is the map your health policy pays insideNov 5, 2025
Home & Contents
Section page →- Home cover: the difference between buildings and contentsJul 23, 2026
- Escape of water is the claim that ruins a houseJul 19, 2026
- The average clause: how underinsurance shrinks a small claimJun 10, 2026
- New for old, or indemnity with wear and tear deductedJun 8, 2026
- Accidental damage cover buys you clumsiness, not carelessnessJun 4, 2026
- Subsidence claims move slowly for a structural reasonJun 2, 2026
- Theft claims and the words forcible and violentMay 9, 2026
- Working from home changes what you must tell your insurerMay 5, 2026
- Flood cover, flood zoning and the pools that make it availableMay 3, 2026
- Matching sets and pairs: the half-replaced kitchen problemApr 27, 2026
- Sheds, fences and gates: what outbuildings actually meansApr 25, 2026
- Home emergency and legal expenses: what the add-ons really doApr 22, 2026
- Landlord and tenant: who insures what in a rented homeApr 17, 2026
- An empty house stops being fully covered sooner than you expectNov 3, 2025
- Single-article limits are where jewellery quietly falls out of coverOct 31, 2025
- Personal possessions cover follows you; contents cover stays at homeOct 27, 2025
- Rebuild cost is not market value, and the gap runs both waysOct 23, 2025
- A storm has a definition, and a windy night may not meet itOct 19, 2025
- Locks and alarms become conditions the moment they earn a discountOct 15, 2025
- Trace and access pays to find the leak, not to rebuild around itOct 14, 2025
- The liability section of a home policy is the part nobody buys deliberatelyOct 9, 2025
Motor
Section page →- The excess is the most under-used lever on a policyJul 29, 2026
- What a total-loss valuation actually meansJul 25, 2026
- Comprehensive is often cheaper than third party, and that is not a mistakeApr 15, 2026
- Fronting: naming the wrong main driver voids motor coverApr 12, 2026
- What a telematics box actually measuresApr 7, 2026
- Every modification must be declared, including the ones that reduce riskApr 4, 2026
- Windscreen claims have their own excess and their own rulesApr 2, 2026
- A courtesy car is an add-on, not a rightMar 28, 2026
- Social, domestic and pleasure: the use class that decides a motor claimMar 26, 2026
- Why a non-fault claim still raises your premiumMar 23, 2026
- Uninsured and untraced drivers: what happens to your claimMar 18, 2026
- Annual mileage is a declaration, not a guessMar 16, 2026
- Your no-claims discount is a percentage of a moving numberMar 12, 2026
- Driving other cars is a crumb of cover, not a second policyOct 6, 2025
- GAP cover pays the hole a total-loss valuation leaves behindOct 3, 2025
- Salvage categories follow a car for the rest of its lifeSep 30, 2025
- Theft with your own keys is the hardest motor claim to makeSep 27, 2025
- Credit hire: the free replacement car with a bill behind itSep 22, 2025
- Breakdown cover is a service contract wearing an insurance badgeSep 18, 2025
- Electric cars ask questions motor policies answer awkwardlySep 16, 2025
- Convictions and past claims have a longer memory than you doSep 12, 2025
Travel
Section page →- Travel cover: the medical limit is the only number that mattersJul 16, 2026
- Annual multi-trip policies and the trip-length trapJul 12, 2026
- Cancellation cover pays for reasons on a list, not for changed mindsMar 8, 2026
- Baggage claims are settled after depreciationMar 4, 2026
- Airline failure is a different risk from travel insuranceMar 2, 2026
- The alcohol exclusion is broader than being drunkFeb 26, 2026
- Medical screening: how the questions actually workFeb 24, 2026
- Delay, missed departure and abandonment are three separate benefitsFeb 18, 2026
- Repatriation is a medical decision, and it is not yoursFeb 15, 2026
- Winter sports cover, off-piste and the helmet clauseFeb 12, 2026
- Age limits and pregnancy: where travel policies stopFeb 8, 2026
- Government travel advice can switch your policy off overnightFeb 6, 2026
- Hiring a scooter abroad is where most travel cover stopsSep 10, 2025
- Car hire excess cover and the desk that sells it twiceSep 6, 2025
- Unattended is the word that decides a travel theft claimSep 3, 2025
- Epidemic and pandemic clauses were rewritten in both directionsAug 31, 2025
- Cruise cover is an add-on because a ship is not a countryAug 25, 2025
- A reciprocal health card is not a travel policyAug 24, 2025
- Working abroad puts you outside a leisure travel policyAug 19, 2025
- The activity list decides whether a holiday accident is coveredAug 15, 2025
- Call the assistance line before the hospital calls anyoneAug 13, 2025
Life & Income
Section page →- Income protection is the cover most people skip and most needJul 31, 2026
- Term life cover is simple, and that is the pointJul 9, 2026
- Critical illness pays on definitions, not on diagnosesFeb 2, 2026
- Guaranteed premiums cost more now and less laterJan 31, 2026
- A medical exam can lower your life premiumJan 26, 2026
- Smoker status is a question with a long memoryJan 24, 2026
- Level cover shrinks every year that prices riseJan 19, 2026
- Family income benefit pays a wage, not a windfallJan 17, 2026
- Waiver of premium keeps the policy alive when you cannot payJan 13, 2026
- Why a life insurance payout can take monthsJan 8, 2026
- Death-in-service cover ends the day the job doesJan 7, 2026
- Guaranteed acceptance plans: what you give up for no questionsJan 3, 2026
- A policy written in trust pays a person, not an estateAug 8, 2025
- Decreasing term cover follows a debt, not a familyAug 6, 2025
- Whole of life is a promise with a bill that never stopsAug 4, 2025
- The deferred period is the biggest price lever in income protectionJul 30, 2025
- Own occupation, suited occupation, any occupation: three different policiesJul 27, 2025
- Non-disclosure is discovered at the claim, not at the applicationJul 22, 2025
- Joint life first death leaves the survivor with no coverJul 20, 2025
- Income protection is offset against everything else that paysJul 16, 2025
- Terminal illness benefit pays before the policy ends, within limitsJul 12, 2025
Making a Claim
Section page →- The exclusions page is the policyAug 11, 2026
- Why a claim gets declined, in order of frequencyAug 9, 2026
- Auto-renewal is where insurance quietly gets expensiveJul 6, 2026
- Indemnity means putting you back, not making you better offDec 29, 2025
- Risk pooling: your premium is mostly other people's claimsDec 28, 2025
- Proximate cause decides which peril paysDec 23, 2025
- The loss adjuster works for the insurer, and that is not a scandalDec 19, 2025
- Betterment: why the insurer deducts for the improvementDec 18, 2025
- Subrogation: why your insurer chases someone else after paying youDec 12, 2025
- Cash settlement or insurer repair: the choice has a priceDec 10, 2025
- Proof of ownership is the evidence nobody collects in advanceDec 7, 2025
- When a decline is not final: complaints and independent reviewDec 3, 2025
- Two policies on one loss share the bill and do not double itJul 11, 2025
- Late notification breaches a condition even when the loss is genuineJul 6, 2025
- Exaggerating a genuine claim can cost you the genuine partJul 2, 2025
- Insurers share claims data, and the record travels with youJul 1, 2025
- Why an insurer investigates a claim it fully expects to payJun 25, 2025
- Never admit liability is a condition, not a matter of mannersJun 23, 2025
- Cancelled, voided and avoided are three different endingsJun 20, 2025
- What happens to your cover if the insurer itself failsJun 16, 2025