Insurance advice from the FSA
Here's clear and concise consumer information on the subject of insurance from the Financial Services Authority.
Financial Services Authority >

Types of household insurance
To be properly insured, you need both buildings insurance, and home contents insurance.

Buildings insurance protects you against damage to the structure of your home, such as by fire. Fixtures and fittings (e.g. permanently attached lighting and heating appliances, your bath and shower) are also covered.

All your possessions need to be covered by your home contents policy. In a nutshell, these can be described as the items you would take with you if you moved house.

How do I make a complaint?
Do you have a problem with your insurance company? The Financial Ombudsman Service provides consumers with free, independent help and advice on how to resolve disputes with financial firms.
The Financial Obbudsman Service >

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