Clarify helps people understand any document in plain English — tenancy agreements, employment contracts, insurance policies and more. Not legal advice.
financial
HMRC sends several different letters during probate — an IHT400 account, a calculation, a clearance certificate. Here's what each one means, the thresholds frozen until 2031, and the pension change coming in April 2027.
insurance
Four policy types, three kinds of excess, and one exclusion that quietly voids most claims on an older pet. Here's how to read a UK pet insurance policy properly — before you need it.
insurance
An AI tool reads your policy in seconds; a broker knows which insurer actually pays out. Here's an honest guide to which one to reach for, when to use both, and the one question a broker can answer that no AI can.
insurance
Your renewal notice shows this year's price next to last year's — but it won't tell you what actually changed underneath. Here's how to read a UK insurance renewal letter, separate the real changes from the boilerplate, and work out whether the quote is genuinely competitive.
legal
Grant letters, refusal notices, curtailment warnings and requests for further information all arrive looking equally serious — but only some carry a deadline. Here's what each Home Office letter actually means, and the 28-day window most people miss.
financial
Your supplier's letter says your monthly payment is going up — but is that because prices changed, or because your account is in debit? They're two completely different letters, and only one of them you can argue with. Here's how to tell them apart.
financial
Universal Jobmatch closed years ago, but the Claimant Commitment is still the document that decides whether your Universal Credit keeps arriving. Here's what every section obliges you to do, how expected hours are set, and how to get an unrealistic commitment changed.
financial
Entitlement letters, loan confirmation, change-of-circumstances notices — Student Finance sends a lot of post and explains almost none of it. Here's what each letter actually does, which figures matter, and the household income rule that catches families out every year.
financial
Council Tax Reduction is not one national scheme — it is hundreds of local ones, and many changed again in April 2026. Here's how to read your decision letter, check the award is right, and challenge it inside the two-month window.
legal
Your divorce ends the marriage — it does not close your money claims. Here's what Form E, a consent order, Form D81 and a pension sharing annex each actually do, and the timing mistake that can cost you thousands.
employment
Two reforms landed in 2026: SSP now starts on day one, and the earnings threshold that excluded the lowest-paid workers is gone. Here's how to read the letter from your employer, check the sum yourself, and what an SSP1 form actually means.
legal
A VT30 refusal certificate lists faults in categories that decide whether you can drive home or must leave the car where it stands. Here's what Dangerous, Major, Minor and Advisory actually mean, what a retest should cost, and how to challenge a fail you think is wrong.