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| Car
Insurance |
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Car
insurance is compulsory - to drive on the road you must
have an insurance policy. When you are driving you could
injure someone or cause damage to someone's property
and the law states that you must be able to compensate
the other person.
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| Life
Insurance |
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Life
Insurance is insurance in which the risk insured against
is the death of a particular person, the insured, upon
whose death while the policy is in force, the insurance
company agrees to pay a stated sum or income to the
beneficiary.
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| Breakdown
Cover |
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There
are usually four different levels of Breakdown Cover
available: ‘Roadside’ or ‘Roadside
Assistance’; ‘Roadside & Relay’
or ‘Roadside & Recovery’; ‘At
Home’ or ‘Home Start’. Comprehensive
policies offer all of the above and more.
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| Home
Insurance |
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Buildings
Cover - Buildings Insurance insures your house and your
policy usually protects your garage, greenhouse and
shed. Contents Cover - Contents Insurance insures
most of the contents of your house although check your
policy details.
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| Critical
Illness Insurance |
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Critical
Illness covers an individual for life or for a set period
of time against a number of serious illnesses, diseases
and medical conditions. It pays out a single tax-free
lump sum on the diagnosis of one of the illnesses specified
in the insurance policy details.
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| Pet
Insurance |
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Pet
Insurance - since 1 in 3 pets suffer an accident or
become ill every year, it's not worth leaving your pet's
health care to chance. Most pets can now recover fairly
quickly from conditions that have in the past meant
making heartbreaking decisions.
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| Travel
Insurance |
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There
are many types of Travel Insurance these days, the most
popular are: Single Trip, Annual Multi-Trip, Long Stay,
Backpackers and Ski/Winter Sports there are also other
insurance types like Extreme Sports Insurance.
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| Medical
Insurance |
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Medical
Insurance is a way of funding private medical treatment
in the UK. Your cover will pay for all acute medical
treatment without any limit and usually with only a
small or no excess. You get rapid access to treatment
and a choice over the timing of treatment.
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| Motorcycle
Insurance |
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Many
insurers are reluctant to provide Motorcycle Insurance
as they consider bikers to be a high risk, in particular;
younger riders or riders with convictions. But there
are a few specialist insurers that will cover motorcyclists
and they tend to be more sympathetic.
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| Mortgage
Protection |
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Mortgage
Payment Protection Insurance or (MPPI) pays for your
mortgage when you can't, depending on your policy. This
type of insurance is also known as Accident, Sickness
and Unemployment (ASU) insurance policies.
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| Income
Protection |
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Income
Protection - Permanent Health Insurance (PHI) policies
pay out a tax-free income if the life assured is prevented
from working due to an illness or disability. The maximum
income assured is usually a percentage of pre-claim
income.
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| Van
Insurance |
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Van
Insurance or Commercial Vehicle Insurance can cover
your commercial cars and goods carrying commercial vehicles
if you have one car or a fleet. The policy protects
against loss or damage, legal liability for injury and
damage to vehicles or property.
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Loan
Protection |
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Loan
protection Insurance covers the loan repayments you
make to your finance company, if you lose your job due
to unemployment or are unable to work due to a disability
(accident or sickness) or you suffer a specified critical
illness or die.
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| Business
Insurance |
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Business
Insurance usually provides cover for contents, money,
business interruption, employers' liability, public
and products liability. It can be extended to include
cover for buildings, goods in transit, damage from terrorism
and more.
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| Miscellaneous
Insurance |
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There
are so many types of insurance, from bicycle insurance
to kidnap insurance. In fact you can insure almost anything!
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