Welcome to Bizcover — insurance and legal know-how, brought to you by Thoughtful Bob.
Bizcover is a growing library of plain-English guides to insurance and everyday legal questions in the UK. It is written by someone with a background in insurance and legal work, for small business owners, families and anyone who has ever stared at a policy wording or a legal letter and wondered what it really means.
Everything here is general information to help you understand your options and ask better questions. It isn’t advice on your own situation, and I don’t sell insurance or take on cases. Where it helps, I link to the official source, such as GOV.UK, legislation.gov.uk, the Financial Ombudsman Service or Citizens Advice, so you can check the detail for yourself.
Insurance
Business insurance, home and motor cover, making a claim, and what to do when a claim goes wrong.
Legal
Consumer rights, property, wills and probate, motoring law and business law, explained in plain English.
Latest guides
- Making a will and Lasting Powers of Attorney: why they matterNobody enjoys thinking about death, or about losing the ability to make decisions. But a valid will and Lasting Powers of Attorney are two of the most useful things you… Read more: Making a will and Lasting Powers of Attorney: why they matter
- Small claims in England and Wales: a step-by-step guideIf a business or individual owes you money and won’t pay, or you’re in a dispute over faulty work or an unreturned deposit, the county court’s small claims track is… Read more: Small claims in England and Wales: a step-by-step guide
- Your rights under the Consumer Rights Act 2015Bought something that broke within weeks? Paid for a service that was done badly? The Consumer Rights Act 2015 is the main law protecting you when you buy from a… Read more: Your rights under the Consumer Rights Act 2015
- Telling your insurer the truth: the Consumer Insurance (Disclosure and Representations) Act 2012 explainedOne of the most painful insurance disputes is when you make a claim and the insurer says: “You didn’t tell us about X when you took out the policy, so… Read more: Telling your insurer the truth: the Consumer Insurance (Disclosure and Representations) Act 2012 explained
- How to complain about an insurer and take it to the Financial OmbudsmanMost insurance claims are paid without fuss. When things go wrong, though, it can feel like you are up against a big organisation holding all the cards. You don’t need… Read more: How to complain about an insurer and take it to the Financial Ombudsman
- What insurance does a small business actually need?If you run a small business, insurance can feel like a maze of jargon and sales calls. The good news is that very little of it is actually compulsory. The… Read more: What insurance does a small business actually need?
More from Thoughtful Bob
When I’m not writing about insurance and law, I’m usually out filming trains, planes, wildlife and places worth seeing.
General information only, not legal or financial advice. No adviser-client or solicitor-client relationship is created. Covers England and Wales unless stated; rules differ in Scotland and Northern Ireland. Last reviewed October 2026. See the full disclaimer.