Guides

Guides answers, checked against real typical policy wording

Plain-English answers to the questions policyholders worldwide actually ask.

What ISN'T covered?

10 Common Home Insurance Exclusions You Need to Know

Gradual damage, lack of maintenance, earth movement — the 10 exclusions that cause most rejected home insurance claims. Check yours in 60 seconds.

Which one pays?

Buildings = structure and fixtures. Contents = anything you'd take when moving. See what falls between the two.

What is excess?

Compulsory + voluntary excess explained, plus the perils with their own excess (escape of water, subsidence). UK plain English.

Confused by 'excess'?

Insurance excess explained in plain English — compulsory vs voluntary, how it affects premium, and how to pick the right level.

Should you even file?

Not all claims hit your premium equally. See the math before you file — PolicyPal estimates the impact.

What's a deductible?

Your deductible is what you pay first on any claim. See how it changes premium and how to pick the right level.

ACV or RC?

ACV pays depreciated value, RC pays new-for-old. The difference can be 50% of your payout. Check yours in 60 seconds.

Open or named?

Open perils cover everything not excluded; named perils only what's listed. The wording your policy uses matters.

Decoding your policy?

Endorsement, rider, subrogation, indemnity — the terms in your policy decoded in plain English.

Your policy is the only source of truth

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

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