UK insurance guides
Plain-English, independent research across every kind of cover UK households buy — life, income protection, health, home, travel and pet insurance. No jargon, no sales pitch, just the facts you need to decide.
This is the home of our research library. We explain how each type of insurance works, what drives the price, and the questions worth asking before you buy — so you can compare cover with confidence. Pick a topic below to reach the line you care about, or jump straight to one of our most-read guides.
Explore cover by line
- Life insurance — term and whole-of-life cover, how much you need, and what affects the price.
- Income protection — replacing part of your income if illness or injury stops you working.
- Health insurance — private medical cover, how it works alongside the NHS, and what it costs.
- Home insurance — buildings and contents cover, what is included, and how to avoid being underinsured.
- Travel insurance — single-trip and annual cover, medical care abroad, and pre-existing conditions.
- Pet insurance — lifetime versus time-limited cover, exclusions, and what shapes the premium.
Most-read right now
- Do I need life insurance? — who genuinely benefits from cover, and who may not.
More guides are added to this library regularly. For a full overview of how the lines compare, start at the home page.
About these guides
Information only — not financial advice. My Insurance Expert is not an FCA-authorised intermediary and does not arrange or sell policies. Last updated: 2026-06-13