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What are these?

COMPARE INSURANCE PRODUCTS

As a regular person in Britain, you are likely to have at least one insurance policy. This might be the compulsory cover you have on your car or other vehicle and at least one other optional policy. You might be looking for private healthcare for yourself and your loved ones, home insurance for your property or the contents of your home (or both!) Or you might be on the lookout for a good policy to cover your own life, your travels abroad and within the country, additional vehicle insurance and cover to pay for your pets – especially if they need vet care. To find a good deal it is essential to take some time and compare providers. This is especially important because there are now so many companies which offer specialist or general insurance.

Health Insurance

All people in the United Kingdom can receive healthcare under the National Health Service (the NHS) and while this can be an excellent service in emergency situations, there are unfortunately still large waiting lists – regular waiting lists on the NHS have been estimated by some sources to be well over 220,500 people.

Private medical insurance gives you the chance to receive faster access to treatment and more choice, such as deciding which medical specialist treats you, which hospital you are sent to and when you are to be treated. You can also take children's medical insurance and dental insurance. Our children's health is the most important to thing to many people so avoiding long waiting lists and getting prompt treatment is a great relief. A specialist policy can be made to cover your child (or children). A dental insurance policy can cover your NHS treatment costs and you can receive all of your money back for NHS dental treatments and appointments.

Home Insurance

Home, contents and/or building insurance is a vital part of many people's lives. A standard home insurance – or combined home and contents – policy can cover your home and/or contents against a wide range of events, such as fire, flooding, storms, theft and much more. Unfortunately, burglary is a crime which affects many people living in Britain and by taking a home insurance policy you can cover any stolen possessions as well as money to replace damaged ones. An average home insurance premium is only £130 a year.

Many insurers now offer special deals aimed at social tenants, which can be as low as £1 a week. You can also take building insurance which covers you for when you need to rebuild – even your garage, garden buildings and paths and a number of other items – are covered for the full cost of rebuilding. Perhaps you have installed solar energy panels or wind energy – these are all covered by a good insurer. People who have small families often like to make sure that the contents of their home are insured against accidental damage. Children can easily knock over items or break things – make sure the damage caused is covered.

Life Insurance

There is a range of policies to for Life Insurance. For people who fit certain eligibility, the Government provides some benefits for areas such as funeral payment, and money for the bereaved. However, not all people suit the criteria and for them, a life insurance policy can cover those needs as well as other areas. For example, you might want to provide your family and loved ones with more financial security in case you die or perhaps you want to cover your interest-only mortgage. You can tailor your policy – you can choose to take cover which lasts the rest of your life or one that covers for a set amount of years (for example until your offspring reach independent ages).

Pet Insurance

'An Englishman's dog is his best friend' – so goes the saying. The fact is that a huge number of people in Britain have dogs and cats that can become an important part of their- and their family's lives. Getting peace of mind is possible by taking pet insurance. This can cover your pets in the event of illness or injury. Everyone knows that vet fees can be high so a good pet insurance policy will deal with these up to several thousand pounds every year.

Some insurers can even cover for kennel and cattery fees if you are required to leave home to go to hospital for up to three days and nights. Note that many insurers only provide cat and dog cover but there are some companies that offer insurance for other types of animals (such as birds, reptiles and rodents).

Travel Insurance

Whether you plan to go travelling within the country or overseas, you can find a good range of policies to cover yourself and your family. All kinds of things can crop up when you're travelling, such as delayed and/or cancelled flights, lost baggage, medical emergencies, stolen wallet and/or passport and so on. You can even receive cover for the event that your tour operator or airline goes bankrupt – in such a case you would like to know that your non-refundable expenses are covered and if you are far from home that you can return!

As there are many types of travel insurance on offer it is wise to spend a few minutes to compare companies and deals. You can get specialist policies for particular types of travel such as a ski or winter sport holiday or long-term backpacker cover.

Vehicle Insurance

According to the Road Traffic Act 1988, in the UK all motorists must be either insured, have a security or have made a specific deposit of £500,000 with the Accountant General of the Supreme Court to cover for their liability for the injury to others and for damage to other people's property resulting from use of a vehicle on public roads. This is the basic level of cover that all people need, yet you can find further insurance to cover yourself and your car for other areas such as breakdown cover and windscreen and window repairs. By getting a good policy you could receive a free courtesy car and a 24-hour helpline in case you run into trouble or want to make a claim.

 

 

 

 

 

 

 

 

 

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