FCA Insurance Rule Changes: What Homeowners Need to Know
Recent FCA insurance rule changes explained for homeowners, including what has changed, which consumer protections remain and what to check in policies and claims.
Home › Insurance Tips ›
Insurance Policy Fundamentals
Your Insurance Policy Doesn’t Have to Be a Mystery – Let’s Unpack It
Insurance policies can feel dense, but they do not have to be difficult to understand. In this section, we explain important policy terms, limits, exclusions and cover considerations without unnecessary jargon. Our beginner’s guide to understanding property insurance policies is a useful place to start.
As Independent Loss Adjusters and Loss Assessors, we see how policy wording, sums insured and supporting evidence can affect a claim. Our practical insurance claims guidance can help you understand the process and identify points that may need clarification.
Home Insurance Advice for Cover, Claims and Property Damage
Home insurance guidance covering buildings and contents cover, policy limits, underinsurance, renewals and the key checks to make before or during a property claim.
Average Clause in Insurance – How to Protect Your Insurance Claim
How an average clause can reduce a property insurance settlement where cover is insufficient, and what to check about sums insured, valuations and policy wording.
Underinsurance in UK Property Claims: How to Avoid Being Underinsured
Why property underinsurance happens, how rebuild costs differ from market value and what homeowners, landlords and businesses should review when setting insured values.
A Beginner’s Guide to Understanding Property Insurance Policies
Property insurance explained in plain English, covering common insured events, policy limits, excesses, exclusions and the key terms homeowners, landlords and businesses should understand.
The Most Overlooked Property Insurance Add-Ons You Should Consider
A guide to optional property insurance add-ons, explaining which extra covers may fill genuine gaps and what to check before adding them to an existing policy.
Podcast: Understanding the Misrepresentation Act in Insurance Policies
Michael Williamson explains consumer insurance misrepresentation, how CIDRA applies when answering insurer questions and what policyholders should consider if misrepresentation is raised during a claim.
Podcast: Understanding Underinsurance and How to Avoid It
Michael Williamson explains how buildings underinsurance can arise, why rebuild cost differs from market value and what homeowners can check before policy renewal or a claim.
Podcast: Understanding ‘Sum Insured’ in Insurance Policies
Michael Williamson explains what ‘sum insured’ means for contents insurance, how replacement value is estimated and why household inventories can help reduce underinsurance risk.
Loss Adjuster Support
Understand the difference between insurer-appointed and independent loss adjusters, what each role involves and when independent claim support may be appropriate.
Loss Adjuster Guides
Guidance on Making a Claim
Practical guidance on preparing, documenting and progressing an insurance claim, including what to do when questions, delays or disputes arise.
Making a Claim Guides
Insurance Terminology
Clear explanations of common insurance terms, policy wording and claims terminology to help you understand correspondence, decisions and the claims process.
Insurance Terminology GuidesNeed Clearer Direction on Your Claim?
Tell us what has happened and where the claim currently stands. We will review the initial information and explain whether ILA may be able to help.
Every claim depends on its individual circumstances, supporting evidence and policy wording. No particular outcome can be guaranteed.