UK insurance, explained in plain English.

Straightforward guides to insurance policies, cover types, key terms, and ways to reduce premiums — written for the UK.

Policy terms & definitions Cover types (TPFT / Comp) Costs & excess explained Young drivers & telematics
Browse car insurance

Editorial, not advice. Always confirm details with your insurer.

Car Insurance

Best place to start for UK search demand.

See latest guides

Trust first

Insurance is a high-trust niche. Add an Editorial Policy, cite sources, keep pages clear, and avoid “guaranteed savings” claims.

Designed for readability

Clean headings, short paragraphs, summary boxes, and a table of contents keep users engaged — which supports ad performance.

Article template demo

Use this structure for every guide.

What is a voluntary excess?

Quick answer: It’s the amount you choose to pay towards a claim, on top of any compulsory excess.

How excess affects your premium

Explain trade-offs. Add examples and common ranges for UK policies (avoid absolute claims).

When a higher excess is risky

Discuss affordability and realistic claim scenarios.

Common questions

  • Does excess apply to every claim?
  • Can I change my excess mid-policy?
  • Does it affect windscreen claims?

Internal links: “Compulsory vs voluntary excess”, “Comprehensive vs TPFT”, “How claims affect NCB”.