The Daily Horizon

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Are broken drains covered by insurance?

Most buildings insurance policies include cover for damage to underground pipes, drains, cables and tanks (often called underground services). So insurers...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do insurance companies ever fail?

Although the insurance industry is highly regulated, insurance companies do fail for a variety of reasons. For example, they might underprice their produc...

What are typical exclusions in an insurance policy?

A standard homeowners insurance policy contains exclusions, or causes of loss that aren’t covered. Policy exclusions include earthquakes, flooding, or pro...

How to search for life insurance policies?

Life Insurance Look for insurance related documents. Contact financial advisors. Review life insurance applications. Contact previous employers. Check ban...

How much is car insurance for a new driver UK?

Car insurance for new drivers can be expensive. For the youngest new drivers between the ages of 17-20, annual insurance premiums average around £1,800 an...

Who typically pays for builders risk insurance?

general contractor Builders risk insurance is an essential coverage for projects that are in progress. It’s typically the responsibility of the general co...

What is Medicare Part B and how does it work?

Medicare Part B (Medical Insurance) Part B helps cover medically necessary services like doctors’ services, outpatient care, and other medical services th...

What does mortgage insurance typically cover?

Mortgage insurance is an insurance policy that protects a mortgage lender or titleholder if the borrower defaults on payments, passes away, or is otherwis...

Does a non-fault claim affect my no claims bonus?

Non-fault accidents If they do, it will affect your no-claims bonus until your insurer can work out who’s liable. If you decide to claim for any damage, i...

Can someone get life insurance on you?

Can you buy life insurance for anyone? You can only buy life insurance on someone that consents and in whom you have an insurable interest. You’ll need th...