About

Hello, I’m Thoughtful Bob. Bizcover is written by someone with a background in insurance and legal work. It’s where I explain the insurance and legal questions that ordinary people and small businesses run into, in plain English.

What this site is

• Practical guides to insurance: what cover a business needs, how claims work, and how to complain when things go wrong.
• Practical guides to everyday law in England and Wales: consumer rights, small claims, wills and powers of attorney, property, motoring and business law.
• Links to official sources, such as legislation.gov.uk, GOV.UK, the Financial Ombudsman Service and Citizens Advice, so you can check the detail yourself.

What this site isn’t

• It isn’t legal or financial advice. Every situation is different, and small details can change the answer.
• I don’t take instructions or sell insurance here. I don’t arrange, recommend or compare particular insurers or policies, and I can’t act for anyone in a dispute.
• It isn’t a substitute for a regulated professional. If you need advice on your own circumstances, the disclaimer lists where to find it.

Keeping things accurate

Laws, regulations and limits change. Each guide shows when it was last reviewed, and I update guides when the rules change. If you spot something out of date, please let me know through the contact page.

Find me elsewhere

• Thoughtful Bob on YouTube: trains, planes, wildlife and weather
• Worth The Detour: places worth going out of your way for

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