Insurance advice

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Insurance offers protection against things that might happen in the future.

You buy a policy under which the insurance company agrees to pay out if the event insured against happens. The price you pay is called a premium. Common types of insurance relate to:

  • Your home: Homeowners should have buildings insurance to cover damage to the building. Mortgage providers usually require that you have this cover.
  • Your belongings: Contents insurance covers loss or damage to your household possessions.
  • Driving: You must insure against damage or injury caused by your vehicle. You can also insure against theft, damage to your vehicle and injuries caused while you are driving.
  • Travel: This covers you against the cost of delays, lost property and medical bills while you area abroad.
  • Life insurance: If you have life insurance, your family will get a payment if you die unexpectedly.
  • Pets: This covers against the cost of vets’ bills, costs incurred finding a lost pet or if you are unable to care for a pet because of illness.

Finding the best deal

Get quotes from several insurance companies or use an online price comparison site. Remember that the cover offered by different policies can vary considerably, even if they seem to be the same type.

The cheapest policy may not be the best value if there are lots of restrictions on when you can make a claim and how much for.

Contact the Association of British Insurers for more information on buying insurance. Contact the British Insurance Brokers’ Association to find an insurance broker in your area. The Financial Services Authority can confirm whether a firm is authorised to sell insurance.

 

We are grateful for the generous support of Dr Naim Dangoor CBE
and The Exilarch's Foundation

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