Coverage
Coverage answers, checked against real typical policy wording
What your policy actually includes — and the exclusions that catch people out.
Cracks appearing in your walls?
Does Home Insurance Cover Subsidence? (UK)
Subsidence is covered by most UK buildings policies — but with a £1,000 excess and strict wording. Check yours in 60 seconds with PolicyPal.
Read answerNot sure if you're covered?
Does Home Insurance Cover Roof Leaks? (2026)
Whether a roof leak is covered depends on cause and wear-and-tear wording. Check your specific policy in 60 seconds with PolicyPal.
Read answerSpilled wine on the carpet? Drilled through a pipe?
Accidental Damage on UK Home Insurance — What's Covered?
Standard UK home policies only cover limited accidental damage. See what triggers the full add-on and check your wording in 60 seconds.
Read answerAppliance flooded your floor?
Does Home Insurance Cover Appliance Water Damage?
Dishwasher, washing machine, or water heater leak? Cover hinges on 'sudden vs gradual' wording. Check your exact policy with PolicyPal in 60 seconds.
Read answerNeed to cancel a trip?
Travel Insurance: What Counts as Trip Cancellation?
Illness, work, weather, fear of travel? Only some reasons trigger cancellation cover. Check your exact reasons list in 60 seconds with PolicyPal.
Read answerWorried about old conditions?
Pet Insurance & Pre-Existing Conditions: What's Covered?
What counts as 'pre-existing', what becomes curable, and how look-back periods work. PolicyPal reads your pet policy in 60 seconds.
Read answerTenants trashed the property?
Does Landlord Insurance Cover Tenant Damage? (UK)
Malicious tenant damage is an add-on, accidental damage is rare. See what UK landlord policies actually pay for.
Read answerBusiness stopped after a fire or flood?
What Does Business Interruption Insurance Cover? (UK)
BI cover triggers from a covered property loss — not from market downturns. See the wording that matters for UK SMEs.
Read answerBoiler stopped working?
Does Home Insurance Cover Boiler Breakdown? (UK)
Boiler breakdown isn't standard on UK home insurance — you need home emergency cover. Check yours in 60 seconds.
Read answerStorm hit your home?
Storm Damage & Home Insurance: What's Actually Covered?
Storm cover hinges on wind-speed thresholds and 'gradual deterioration' wording. PolicyPal checks your exact policy in 60 seconds.
Read answerBike stolen?
Is a Stolen Bicycle Covered by UK Home Insurance?
Bikes are covered at home up to a sub-limit (often £500). Away from home needs the personal possessions add-on. Check yours fast.
Read answerNeed PL for a contract?
Public Liability Insurance for UK Tradespeople
Most UK contracts require £2m or £5m public liability. See what's covered and what's not.
Read answerCracked screen or lost phone?
Is My Phone Covered by UK Home Insurance?
Phones are covered at home, but cracked screens and out-of-home loss need personal possessions cover. Check in 60 seconds.
Read answerBurgled but no broken locks?
Theft With No Forced Entry — UK Home Insurance
Most UK home policies require forcible and violent entry for theft cover. See the exceptions and check your wording fast.
Read answerShed broken into?
Are Sheds and Outbuildings Covered? (UK)
Sheds are covered under UK buildings cover but with reduced perils. See what's included and check your sub-limit in 60 seconds.
Read answerHit an animal?
Hit a Deer? Will Car Insurance Pay?
Animal collisions are paid under comprehensive, not collision — but only if you have it. Check your auto policy in 60 seconds.
Read answerFence blown down?
Storm Damage to Fences — Are They Covered? (UK)
Almost no UK insurer covers fences, gates and hedges in a storm. See the exception and check your wording fast.
Read answerJewelry stolen?
Is Stolen Jewelry Covered by Home Insurance?
Jewelry has its own sub-limit on most home policies — often just $1,500. See what your policy actually pays in 60 seconds.
Read answerClient claiming your advice caused loss?
Do I Need Professional Indemnity Insurance? (UK)
PI covers claims of negligent advice or design. Required for consultants, architects, IT and regulated professions.
Read answerMold after a leak?
Does Home Insurance Cover Mold?
Mold is only covered when it follows a covered peril and is reported fast. Check your policy's sub-limit in 60 seconds with PolicyPal.
Read answerProperty empty for renovation or probate?
Unoccupied Property — How UK Insurance Changes
Most UK policies restrict cover after 30–60 days unoccupied. See what's left and how to keep full cover.
Read answerYour unit flooded?
Does Renters Insurance Cover Water Damage?
Renters insurance covers your stuff from sudden water, not the building or floods. See exactly what your policy pays.
Read answerTree on the roof?
Tree Fell on Your House — Is It Covered?
Your insurance usually pays even if it's the neighbor's tree. Removal cost caps and limits explained in 60 seconds.
Read answerCar under water?
Is Flood Damage to a Car Covered?
Auto flood damage is comprehensive cover only — not collision, not liability. Check your policy in 60 seconds.
Read answerCracks appearing?
Are Foundation Cracks Covered by Home Insurance?
Foundation cover depends on cause — settlement is excluded, sudden events may be covered. Check your wording in 60 seconds.
Read answerWorried about ransomware?
Cyber Insurance for UK Small Businesses
Cyber cover pays ransomware, GDPR fines defence and breach response. See what UK SME policies include.
Read answerTrampoline took off in the wind?
Trampoline Storm Damage and Liability (UK)
Trampoline blown into a neighbour's car? See where UK home insurance picks up and where it doesn't.
Read answerYour policy is the only source of truth
Get a precise answer for your exact policy
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.