Cyber incidents are no longer a problem reserved for banks and large technology companies. In the Allianz Risk Barometer 2026, cyber incidents ranked as the UK’s number-one business risk, cited by 62% of respondents. The government’s Cyber Security Breaches Survey 2025/2026 adds a practical warning: 46% of small businesses identified a cyber breach or attack … Read more
Critical Illness Cover vs Life Insurance: What’s the Real Difference?
BRUCEORANGE
Life insurance and critical illness cover are often sold side by side, which can make them sound like variations of the same product. They are not. The simplest difference is the event that triggers a payout: life insurance is primarily designed to pay after you die, while critical illness cover is designed to pay if … Read more
Income Protection Insurance for the Self-Employed: A Complete Guide
BRUCEORANGE
When you are self-employed, illness can stop invoices being issued, projects being completed and money reaching your account. Unlike an employee, a sole trader, contractor or freelancer usually has no employer-funded sick pay to absorb the first weeks away from work. Income protection insurance is designed to replace part of that lost income when illness … Read more
Does Private Medical Insurance Cover Mental Health in the UK?
Mental health support is becoming a more important part of private healthcare in the UK. Demand for counselling, psychological therapy and psychiatric treatment has increased, and insurers are responding with broader wellbeing services and optional benefits. However, mental health cover in private medical insurance is not automatic, unlimited or identical across policies. The detail matters, … Read more
Life Insurance for Single Parents: How Much Cover Do You Need?
If you’re a single parent, you already know that your household runs on one income, one set of shoulders, and one plan that has to work no matter what. There’s no second salary to fall back on if something happens to you, no partner to pick up the mortgage or the school fees while everyone … Read more
Do Smart Home Devices Lower Your Home Insurance Premium?
Smart home technology is no longer limited to voice assistants and app-controlled lighting. Devices such as connected smoke alarms, water leak sensors, security cameras and smart locks can also help protect a property from burglary, fire and water damage. That raises an important question for homeowners: can installing these devices unlock a smart home insurance … Read more