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Wise. Insightful. Trusted.

WiTMoney is a free financial comparison and information service, part of WiT Finance Group. We do not provide financial, investment or credit advice. WiT Money may receive a commission or referral fee from some providers when you follow a link or take out a product. See how we make money.

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Education hub

Insurance

Car, home, travel, life and business cover — excesses, no-claims discounts and how the main policy types differ.

Features, cover levels, exclusions and prices vary by provider. Cover is subject to underwriting and terms. Quotes depend on personal or business circumstances. Always check the provider’s documentation before buying.

13 guides in this category

Car insurance
Insurance
6 min readUpdated 16 Sep 2026

How insurance excess works

Learn how compulsory and voluntary insurance excesses work, how they affect premiums and claims, and what to check before choosing a policy.

Read article: How insurance excess works
Car insurance
Insurance
5 min readUpdated 16 Sep 2026

Comprehensive vs third-party car insurance

What fully comprehensive, third-party fire and theft, and third-party only typically cover — and why a lower cover level is not always a lower quote.

Read article: Comprehensive vs third-party car insurance
Car insurance
Insurance
5 min readUpdated 16 Sep 2026

No-claims bonus explained

How a no-claims discount is earned, what a claim can do to it, and what ‘protected’ NCB usually means.

Read article: No-claims bonus explained
Car insurance
Insurance
5 min readUpdated 16 Sep 2026

Breakdown cover vs car insurance

Why roadside assistance is not the same as motor insurance, and when it is included, optional or a separate policy.

Read article: Breakdown cover vs car insurance
Home insurance
Insurance
5 min readUpdated 16 Sep 2026

Buildings vs contents insurance

What buildings cover is for, what contents cover is for, and how combined home policies usually work.

Read article: Buildings vs contents insurance
Home insurance
Insurance
5 min readUpdated 16 Sep 2026

Landlord insurance explained

How landlord cover differs from a standard home policy, and which extras such as loss of rent are usually separate.

Read article: Landlord insurance explained
Travel insurance
Insurance
5 min readUpdated 16 Sep 2026

Travel insurance: what to check

Medical cover, trip cancellation, winter sports and why destination, trip length and medical history change the quote.

Read article: Travel insurance: what to check
Travel insurance
Insurance
5 min readUpdated 16 Sep 2026

Annual vs single-trip travel insurance

When an annual multi-trip policy can make sense, what trip-length limits to watch, and when a single-trip policy is simpler.

Read article: Annual vs single-trip travel insurance
Life & protection
Insurance
5 min readUpdated 16 Sep 2026

Life insurance vs critical illness

A payout on death versus a payout on a listed serious illness — and why the two products answer different questions.

Read article: Life insurance vs critical illness
Life & protection
Insurance
5 min readUpdated 16 Sep 2026

Income protection explained

How income protection differs from critical illness and PPI-style products, including waiting periods and proportion of income.

Read article: Income protection explained
Business insurance
Insurance
5 min readUpdated 16 Sep 2026

Public liability insurance explained

Who public liability is for, how it differs from employers’ liability, and why venues often ask for a minimum limit.

Read article: Public liability insurance explained
Business insurance
Insurance
5 min readUpdated 16 Sep 2026

Employers’ liability explained

Why most UK employers need this cover, how it differs from public liability, and what to check on the certificate.

Read article: Employers’ liability explained
Business insurance
Insurance
5 min readUpdated 16 Sep 2026

Professional indemnity explained

How PI cover responds to advice or service errors, who typically needs it, and how it differs from public liability.

Read article: Professional indemnity explained

Questions or updates

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FAQs

Using these guides

Compare insurance by cover type

Explore participating providers for car, home, travel, life and business insurance. Request a personalised quote on the provider’s site.

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