Editorial library
Insurance comparison guides
These guides unpack one mechanic at a time — excess, PDS, underinsurance, switching, claims, waiting periods, premium drivers, bundling and exclusions — so you can reuse the same questions on any quote. They are education, not personal advice.
Price mechanics
Excess vs premium
Why a lower premium can cost more at claim time — and how excess types stack.
Documents
What is a PDS?
How to read a Product Disclosure Statement without drowning in the appendix.
Risks
Underinsurance
What happens when the sum insured is too low, including average/co-insurance clauses.
Switching
Switching insurers
How to change policies without a cover gap, dual insurance, or a surprise cancellation fee.
Claims
Claims basics
A general map of notice, evidence, assessment, settlement — and complaints pathways.
Comparing
Comparing quotes checklist
Questions to ask before you buy or switch, written as a reusable worksheet.
Documents
Waiting periods explained
Where waiting periods show up (health, pet, income, travel) and why they exist.
Price mechanics
What affects premiums
Risk factors insurers commonly consider — without inventing a pricing engine.
Comparing
Bundling policies
When a multi-policy discount helps, and when it hides weaker cover.
Documents
Exclusions explained
How to find the “we will not pay” list and test it against your actual risk.
How the library is organised
Price mechanics. Excess vs premium and what affects premiums stop you treating a renewal letter as a morality play. Premiums move for reasons. Excesses move the split between you and the insurer.
Documents. What is a PDS, exclusions and waiting periods are literacy. If you cannot find “we will not pay”, you are not comparing yet.
Risks. Underinsurance is the quiet disaster of property cover: a sum insured that looked tidy on a quote and failed on a rebuild.
Movement. Switching, claims and bundling are about timing, evidence and whether a discount is hiding a weaker wording.
Worksheet. The comparing quotes checklist is the page you keep open beside two browser tabs.
How to read a mega guide
Every guide starts with a one-sentence answer. Then facts, then narrative, then a table, then related hubs, then FAQs. That rhythm is structural — it is not a clone of another publisher’s design system.
If a paragraph ever sounds like a rank or a price, treat it as a bug and tell us.
Pairing guides with cover types
- Car quotes: excess guide + car hub
- Home quotes: underinsurance + exclusions + home
- Health or pet: waiting periods + the matching type hub
- Life versus income: both type hubs, then the checklist
Then return to how to compare and fill the last column: price.