Merryn Talks Money How Much Insurance Do You Really Need?
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Jan 28, 2026 Kevin Ryan, Bloomberg Intelligence analyst and consumer insurance specialist, offers practical takes on what cover matters as we head into 2026. He explains legal minimums for car cover and what extras to consider. He covers rebuild versus market value for buildings, documenting valuables for contents, pet and travel cover basics, and when life or private medical policies may make sense.
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Prioritise Key Car Cover Extras
- Buy comprehensive motor cover with windscreen and a courtesy car option.
- These extras save money and mobility when repairs are delayed due to modern, costly windscreens.
Why Motor Premiums Spiked Then Fell
- Motor insurance prices spiked in 2023 then eased as regulators stopped price-walking.
- In real terms prices are roughly back to historical levels despite headline concerns.
Insure For Rebuild Cost Not Sale Price
- Insure buildings for rebuilding cost, not market value.
- Ask your insurer or a specialist broker to estimate rebuild cost if your property is non-standard.