Insurance, decoded

Deductibles, exclusions, and the claim process nobody reads until they need it.

5 explainers Last checked — August 2026

The four clauses that decide what actually gets paid.

From the first call to settlement, and where claims most often stall.

Two settlement bases that produce very different cheques for the same loss.

The pricing inputs that sit outside your control, and the few that do not.

Gaps that stay invisible until a claim, and how to check for them before one.