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My Advice Gateway

My Advice Gateway is a free resource to help you quickly find the information you need to claim benefits, access help and support or look for a job or training opportunities. Other services include sections on banking, insurance and how to manage debt.

There is so much information available on the internet that it can often be a tedious and time consuming activity to search through the mass of advice that is available in order to find the information you need. Even government websites that have been set up to provide help can be difficult to find your way around.

My Advice Gateway has been built to help you find the information you need quickly and effectively. Links will take you to authoritative advice or the precise application form you need.

We hope you will find My Advice Gateway useful. If you do, why not tell your friends. . .


LHS provides a complete range of web-based housing option services to more than 60 local authorities and hundreds of housing associations across the UK.


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The majority of insurance is not compulsory so it is usually entirely up to you whether you need additional cover.

Before you buy insurance it is important to make sure you understand your current situation and ask yourself a series of questions about whether you need cover and what you would do if an unexpected event occurred.

One simple step is to check what insurance you already have – this includes finding out if it covers everything you need it to cover and that the levels of cover are sufficient. You may find when checking your current insurance that your policy excludes important details or covers you for more than you need or thought you were buying.

For a list of things that are important to consider, follow this link.

If you have decided that you want to buy insurance it is advisable to “shop around”.

Start by getting a few quotes from different companies.

Insurance companies must provide you with key policy information when giving you a quote – this information can be a really useful checklist when comparing other company’s policies. Remember, to compare the cover as well as the price to make sure it covers all that you need.

Also, it is important to bear in mind to always check for exclusions, and always check for charges and fees that may come with the policy.

If you are using a price comparison website, be aware that many large companies are not included, and that many policies may not provide as much cover as you need in an effort to give you the cheapest price and a quick service.

If you are unsure of how to  proceed you might want to consult an Insurance Broker. They are experts in the market and can often find you a better deal, although you will have to pay a commission charge.

Follow this link for advice on buying insurance using comparison websites or visit MyAdviceGateway’s page on Choosing Insurance.

It is also important to make sure that the insurance provider is regulated by the Financial Service Authority, this means that they will meet certain standards and means they can be trusted.

Follow this link to check the FSA Register for the firm you are considering using.

When you have found an insurer who provides the full cover you need, and have looked around for a better price for the same insurance you are ready to proceed. You will be asked to provide the “full” or “material” facts by your insurer which will allow them to come to a decision about whether to offer you insurance cover and at what price. It is crucial that you disclose everything, however unrelated it may seem, if you fail to respond honestly to questions your policy may be invalidated and your claim can be refused.

For further advice on any of these issues – click here to view the Money Advice Service website.

Cancelling Insurance

If after going through all these stages you change your mind, remember you have a 14 day “cooling-off period” in which you can cancel the insurance contract and recover your money. If you’ve bought life insurance, the cooling-off period is 30 days.

If you want to cancel your policy after the cooling-off period you should check your insurance policy. Most insurers will give you a refund if you have not made any claims during the policy year but you will usually have to pay administration fees.

If your circumstances have changed making it much more likely you will make a claim or you have not kept to the terms of the policy your insurer may wish to cancel your policy but in most cases your insurer will wait until the policy needs to be renewed then refuse to renew the policy. 

Full details of insurance cancellationl can be found at Citizens Advice.