August 2026
Third party, fire and theft is a narrower promise than its name suggests
Comprehensive cover is a bundle with edges, not a guarantee of everything
The excess is two numbers added together and only one of them is yours to…
Why a motor policy is written around a driver as much as around a car
The extras sold beside a motor policy are separate contracts with their own…
July 2026
The first call after a collision decides more than most people expect
Why an insurer wants to hear about an incident you have no intention of…
How liability gets decided when both drivers are certain they were not at…
What a write-off category means and how the settlement figure is put…
The insurer’s valuation and yours are answers to two different questions
A premium is a share of a pool, not a price attached to your car
Which rating factors you can move, and which are locked in for years
What a protected no-claims discount actually protects
Paying monthly is a credit agreement wearing the same name as the policy
Why a renewal price rarely matches the price you were first quoted
June 2026
Why the first years behind the wheel are priced the way they are
Telematics prices the driving rather than the driver, and that cuts both…
Naming a parent as the main driver is fronting, and it can leave a young…
Adding an experienced named driver only helps when the declaration is true
The car a new driver chooses moves the price more than anything else they…
Depreciation is the largest bill and the only one that never arrives
Official fuel economy figures and real ones diverge for reasons built into…
Servicing is two different jobs sold under one word
May 2026
Tyres are a running cost measured in millimetres
A repair bill is mostly labour, and labour is priced by how hard the part…
A modification is anything the car did not leave the factory with
Imported and unusual vehicles are hard to price because there is nothing to…
A classic policy trades freedom of use for a price that reflects how little…
A multi-vehicle policy is one contract wearing several certificates
Commuting, business use and hire or reward are three different jobs a car…
What a courtesy car actually promises, and why like for like rarely means it
What happens when the other driver has no insurance, or never stops
Why the other driver’s insurer telephones you before your own does
Credit hire is a loan of a car, and the borrower is you
Storage and recovery charges accumulate while nobody is making a decision
A proposal form is a set of questions the price is built on, not paperwork
Careless and deliberate inaccuracies are punished very differently
Leaving a policy part way through the year is an unwinding, not a refund
April 2026
A claim keeps affecting the price long after it has been settled and…
The arithmetic behind deciding not to claim for a small amount of damage
Learner cover is a separate arrangement, and adding a learner to the family…
A no-claims record has to be built in your own name and cannot be handed…
A conviction weighs more heavily on a short driving record than on a long…
Graduated licensing rules shape both the risk and the price of a first year
Short-term cover solves a problem the annual policy is bad at
March 2026
How a car is paid for changes what it costs and what the policy has to do
Electric running costs move the bill around rather than removing it
A car that is not being driven is still spending money
The periodic roadworthiness test is a floor, not a service
Where you park and drive is a running cost that never appears in a brochure
A motor policy is three documents, and only one of them describes your…
An exclusion and a condition precedent both end a claim, and they do it…
Driving someone else’s car on your own policy is the narrowest promise in…
Taking a car across a border changes the cover before it changes anything…
Glass is handled separately inside a motor policy because it breaks so often
When an insurer pays for a repair, the bodyshop is working to somebody…
An approved repairer is an arrangement you join by default rather than…
Betterment is the reason a claim can leave you paying towards an improvement
February 2026
An injury claim runs on a slower clock than the claim for the car
A theft claim is an evidence exercise before it is a payment
The annual mileage on a quotation is a forecast, and it gets checked after…
Occupation and address are rating factors because of what they correlate…
Alarms, immobilisers and trackers are priced by how much they change the…
A new policy is provisional until the documents behind it have been checked
When you buy cover changes the price as much as some of what you tell them
Carrying passengers changes a young driver’s risk more than almost anything…
A curfew on a policy is a contract term, not a suggestion about bedtime
The second year of driving moves less than most new drivers expect it to
Sharing one household car is a question about who uses it most, not who…
A licence earned abroad is worth less to an insurer than the years behind…
An older car eventually costs more because of what you cannot buy than what…
January 2026
A notifiable medical condition is a licensing matter first and an insurance…
Breakdown cover is priced by how far the recovery truck might have to go
An extended warranty is a bet on failure rates dressed as peace of mind
A car is taxed at four separate moments and only one of them is obvious
Property carried in a car is insured under a different promise from the car…
The accident benefits inside a motor policy pay a fixed sum rather than a…
Towing puts something behind the car that the policy treats as a separate…
When a garage or a valet has your car, your policy is usually not the one…
When two policies cover the same loss, the insurers settle it between…
A weather claim is assessed by cause, and the cause decides everything…
Vandalism is the claim with nobody at the other end of it
Why an ordinary honest claim gets asked strange questions
A claim decision you think is wrong has a route above the person who made it
December 2025
Your insurer can settle a claim against you whether you agree with it or not
Sometimes no price appears at all, and that is a decision rather than a…
The person selling you a policy is acting for somebody, and it may not be…
Injury claims, not damaged cars, are what make motor insurance expensive
The price you pay divides into four parts and only one of them is the…
Two quotations are only comparable when the cover behind them is the same
Extra training after the test lowers a price only where an insurer…
Drink and drug driving changes what a policy pays and who it pays it to
Rating tables have steps in them, and the steps are where the temptation…
A cheap first car is written off by damage an expensive one would survive
A gap in cover costs more than the months it appeared to save
November 2025
A documented service history is worth money on the day the car is sold
The climate a car lives in sets part of its maintenance bill
What a history check on a used car is actually protecting you from
Losing a car key is a far larger bill than it used to be
Doing your own maintenance saves labour, and labour is not the only cost