Welcome to Shield & Strategy — practical guides on Car Insurance

Confused by exclusions, waiting periods, or why your premium jumped this year? Clear, no-jargon breakdowns so you can make Cover Decisions with confidence, not guesswork. We compare real policies, flag the exclusions insurers don't lead with, and translate the fine print into plain English — Car, Life, and Health Insurance explained the way it should have been from the start.

Latest Articles

Health Insurance Abroad: Where US and UK Cover Stops
Health Insurance

Health Insurance Abroad: Where US and UK Cover Stops

Olukunle Fashina October 25, 2026

Neither Medicare nor the NHS Global Health Insurance Card (GHIC) will fly you home. The US State Department says medical evacuation by air ambulance back to th…

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Why Your FICO Score Matters for Auto Insurance Costs
Car Insurance

Why Your FICO Score Matters for Auto Insurance Costs

Olukunle Fashina September 27, 2026

Your neighbor drives the same car, lives on the same street, and has a cleaner claims history than you. But they're paying 400 dollars less per year for ca…

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How Credit Card Debt Impacts Your Car Insurance Rates
Car Insurance

How Credit Card Debt Impacts Your Car Insurance Rates

Olukunle Fashina September 27, 2026

Credit card balances across the United States climbed to 1.25 trillion dollars in the first quarter of 2026, according to the Federal Reserve Bank of New York,…

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Health Insurance After Losing Your Job: What Happens in the US vs. the UK
Health Insurance

Health Insurance After Losing Your Job: What Happens in the US vs. the UK

Olukunle Fashina September 27, 2026

Myth: losing your job means losing all healthcare access, in both the US and the UK, until new coverage begins. Reality: that's true in only one of these t…

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Critical Illness Insurance vs. Private Health Insurance: What's the Difference (US & UK)
Health Insurance

Critical Illness Insurance vs. Private Health Insurance: What's the Difference (US & UK)

Olukunle Fashina September 27, 2026

According to the Association of British Insurers, UK insurers paid out 1.25 billion pounds in individual critical illness claims in 2025, with cancer accountin…

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Life Insurance After Having a Baby: The Real Decision Rule
Life Insurance

Life Insurance After Having a Baby: The Real Decision Rule

Olukunle Fashina September 27, 2026

Written by Olukunle Fashina Does having a baby actually mean you need to buy or increase life insurance, or is that just something insurers say to sell more po…

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