Insurance explained, no small print.
Articles to help you understand what each policy covers, when you actually need it, and how to choose without being talked into the wrong thing. Written by me, Micol, without unnecessary jargon.
Home insurance for your parents if they live alone: what to look for to feel at ease
What the home insurance of parents who live alone should include, what priority attention and social guidance add, and how to manage it if you do not live with them.
Published · Reading time 5 minutes Read article Funeral Insurance & Life AssistanceSwitching funeral insurance without losing what you’ve already paid
What may carry over when you change company, how seniority and waiting periods already served count, and the order to take the steps so you’re never left without cover.
Published · Reading time 5 minutes Read article HomeHome Protection or Home Premium: what All-Risk Accidental cover adds
What each plan covers, what Premium’s All-Risk Accidental cover adds, and in which homes it pays to have higher limits.
Published · Reading time 5 minutes Read article Funeral Insurance & Life AssistanceWhat to do when a relative dies: first steps and funeral insurance
The first steps after a death, the papers you’ll be asked for, and how much of it funeral insurance takes care of for you.
Published · Reading time 5 minutes Read article HomeRental home insurance: landlord or tenant?
I explain who insures the building and who insures the contents, and what your tenancy agreement can require if you're a landlord or a tenant.
Published · Reading time 5 minutes Read article BoatsIs insurance compulsory for your boat? What the law requires and what's worth adding
Liability cover is compulsory to sail. I explain what hull cover includes, crew cover, and the small print that causes the most trouble: sailing area, licence and skipper.
Published · Reading time 5 minutes Read article PetsIs insurance compulsory for your dog?
I explain when liability cover is compulsory for your pet and why this insurance isn't the same as vet insurance.
Published · Reading time 5 minutes Read article Community BuildingsBuilding insurance or home insurance: who pays for a water leak?
I explain the rule that decides who pays when a leak appears: where the water starts, not where the stain shows up.
Published · Reading time 5 minutes Read article HealthHealth insurance waiting period: how long do you actually have to wait?
I explain what you can use from day one, what 6- and 8-month waiting periods apply depending on the treatment, and why pregnancy is a case of its own.
Published · Reading time 5 minutes Read article Business & CommerceSelf-employed liability insurance: is it compulsory?
I explain when it's compulsory, when it isn't, and how to get your liability certificate on time if a client, licence or contract asks for it.
Published · Reading time 5 minutes Read article AccidentsSelf-employed and injured: what happens to your income if you're off work
What the public benefit actually covers, how it changes depending on the accident, and how to protect your income with an income or lump sum.
Published · Reading time 5 minutes Read article SavingsSavings insurance tax: how it's taxed in 2026
What part of the payout is taxable, why the holding period matters, and how a lump sum or income changes what you pay.
Published · Reading time 5 minutes Read article HomeUnder-insurance at home: the small print that can cost you dearly in a claim
What under-insurance is, why rising costs are making it more common, and what to check in your policy so you're not left short of cover.
Published · Reading time 5 minutes Read article Funeral Insurance & Life AssistanceWaiting period in funeral insurance: what no one explains before you sign
What the waiting period is, how long it usually lasts, whether it applies to accidental death, and what happens to it if you switch insurer.
Published · Reading time 6 minutes Read article HomeRenovating your home: here's what changes in your home insurance
Why a renovation can leave your sum insured out of date, what your policy covers during the work, and when to notify your insurer.
Published · Reading time 5 minutes Read article Funeral Insurance & Life AssistanceNatural or level premium: which one suits your funeral insurance?
How the two ways of paying for the same cover differ, how your age affects the future price and what to check before signing.
Published · Reading time 5 minutes Read article Funeral Insurance & Life AssistanceSingle-premium funeral insurance for your parents: the no-surprises guide
How the single payment works, what it really covers, and what to check before taking it out for a parent.
Published · Reading time 6 minutes Read article HomeHome insurance on holiday: what happens if your house is left empty?
Why break-ins spike in summer, what your policy covers while you're away, and the day limit almost nobody warns you about.
Published · Reading time 6 minutes Read article Funeral Insurance & Life AssistanceFuneral insurance or life insurance: which one do you need?
The most common confusion, explained once and for all: what each one solves, and when you need one, the other, or both.
Published · Reading time 6 minutes Read article LifeLife insurance for your mortgage: you're not required to take it out with your bank
Your rights with the bank, why many people overpay without realising it, and how to change it step by step.
Published · Reading time 6 minutes Read articleWrite to me and I'll answer directly.
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