Insurance
The Financial Conduct Authority (FCA) regulate the financial services industry in the UK. To ensure a firm is regulated and approved by the FCA check their register before you hand over any money. If you are contacted by a firm out of the blue make sure you ask for their contact details and then report it at this link.
The Prudential Regulation Authority (PRA) is a part of the Bank of England and responsible for the prudential regulation and supervision of banks, building societies, credit unions, insurers and major investment firms.
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HELP WITH PAYING YOUR BILLS BECAUSE OF REDUCED INCOME DUE TO CORONAVIRUS
The Government has areed emergency measures with the utilty suppliers, banks and building societies to assist people who are struggling to pay their bills because of reduced income
LIFE INSURANCE
Life insurance provides protection for the people who rely on you financially. If you die your insurer will pay out a specified sum to help protect those you leave behind from financial hardship or aid with funeral costs.
WHAT IS INSURANCE
Insurance allows you to safeguard yourself and your belongings against an unexpected event. In the event of a loss, insurance pays out an agreed amount or an amount to cover the damage.
ACCIDENT, SICKNESS AND UNEMPLOYMENT INSURANCE
If you cannot work because of an accident, illness or unemployment through no fault of your own, there are a number of ways insurance can help you protect your monthly income, credit or loan payments for a fixed period of time.
ROADMAP OUT OF LOCKDOWN
On February 22nd the Prime Minister announced the government’s four-step roadmap offering a route back to a more normal life. The success of the vaccination programme together with the positive effect of the National lockdown means it will be possible to begin relaxing the current strict movement controls.
CHOOSING INSURANCE
A cheap insurance policy may not provide all of the cover that you need. It is important to check the “exclusions” in a policy to make sure nothing has been left out that you require.
VEHICLE INSURANCE.
You must have motor insurance if you own or drive a motor vehicle. There are over 60 companies that offer insurance in the United Kingdom, providing various levels of cover you can choose from.
BUYING INSURANCE
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.
CORONAVIRUS (COVID-19) VACCINE AND PROOF OF VACCINATION
The coronavirus (COVID-19) vaccines are safe and effective. They give you the best protection against COVID-19.
HEALTH IN PREGNANCY GRANT
The Health in Pregnancy Grant is no longer available. The government stopped this grant from January 1, 2011.
BUILDINGS INSURANCE
Buildings insurance is an insurance policy which could cover the cost of repairing damage or rebuilding the structure of your home if it’s damaged by an event you’re insured for, such as a fire, flood or storm. This includes cover for your roof, floors and walls, as well as any …
CLAIMS AND COMPLAINTS
You always have a right to claim on your insurance, and a right to complain if your insurance claim is rejected. If you need to make a claim on your insurance it is important to first check that your policy actually covers the damage or loss.
CORONAVIRUS TESTING
Free Coronavirus testing has ended for the majority of people in England and free test kits are only available for a small number of vulnerable people.
HOUSEHOLD CONTENTS INSURANCE
Contents insurance covers your belongings in the event of damage or loss. This includes items such as furniture and electrical goods and will usually include items you take outside of the home such as a camera, mobile or bag.
NHS TEST AND TRACE/SELF ISOLATION
NHS Test and Trace was a government-funded service in England, established in 2020 to track and help prevent the spread of COVID-19. The system aimed to control the spread of COVID-19 in England by ensuring that people are tested when necessary then identifying and asking close contacts of people who …
TRAVEL INSURANCE
Travel insurance can provide you with financial and practical help if something goes wrong on your trip. This could be paying for lost luggage, medical bills or accidents or covering flight cancellations or theft.
PET INSURANCE
If you are a pet owner, veterinary bills can be very expensive. You can buy pet insurance to help pay the bills if your pet becomes ill or is hurt. You need to consider what the probability is of your pet developing an ongoing illness before deciding which sort and …
CORONAVIRUS ADVICE AND SUPPORT FOR PARENTS AND CHILDREN
The COVID-19 pandemic has brought with it extraordinary challenges for parents, carers and children. Advice and support is available from a wide range of sources across the country.
CORONAVIRUS ADVICE, SUPPORT AND CARING FOR THE ELDERLY
Older people and those with an underlying health condition face significant risk of developing severe illness if they contract COVID-19.
CORONAVIRUS AND MENTAL HEALTH
Over 4 in 5 adults are worried about the effect that coronavirus (COVID-19) is having on their life right now, with more than half saying it affected their wellbeing and nearly half reporting high levels of anxiety.