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This section covers three types of insurance - general (including household and
motor insurance), life and pensions, and health protection,
including travel insurance. General
Insurance Policies
These include motor, buildings and building contents cover.
Click here for full details or see
our New Car Insurance Comparison
Page
Life Insurance Policies and Pensions
There are many types of life and pension policies available and, as with all financial products we recommend thorough research, review of the
terms and conditions and shopping around for the best deals before taking out
a new life insurance or pensions policy.
If in doubt do consult an
Independent Financial
Advisor.
Life insurance policies and pensions are regulated in the UK by the Financial
Services Authority. The FSA provides advice on types of
insurance policy and how they are regulated on it's
Money Made Clear website.
Compare life insurance in minutes –
Protected.co.uk searches over 300 life insurance plans from 12 leading
providers to try and find you the most suitable quote for you. You have the
option of either protecting your family with level term life insurance or
protecting your mortgage through decreasing life cover.
Health and Protection
In the UK, everyone is entitled to free National Health Service care, but
health insurance can give more choice about the level of care and when and where
you are treated.
Apart from travel insurance, there are two main health and medical insurance
products available:
Private medical insurance offering access to private medical care
Health Cash Plans that pay a limited amount towards everyday medical, dental and
eye care bills.
As with all financial products we recommend thorough research, review of the
terms and conditions and shopping around for the best deals before taking out
a new health insurance policy.
Travel Insurance
Travel insurance is essential for all travel outside the UK including the
European Union. Some things like personal possessions and luggage may be covered
by your home contents insurance but health cover and repatriation in the event
of serious illness or an accident are something you should never travel without.
There are basically two options - single trip or annual cover. Annual cover will
generally prove cost effective if you are doing 3 or more trips a year. Cost and
levels of cover vary considerably and older travellers or those with
pre-existing medical conditions will find premiums are higher, but don't be
tempted to not declare medical conditions. Some insurers do not require you to
declare medical conditions and instead exclude all pre-existing conditions.
These may cost less but think carefully about whether a claim might be rejected
if the insurance company thinks it relates to a medical condition that existed
before you travel.
For older travellers it may be worth looking at the
travel insurance offered
by SAGA, benefits include:
A choice of single trip or annual multi-trip policy
* Cover for friends and family, whatever their ages, with discounts for partners
and any other couples covered by the policy
* Cover for most pre-existing medical conditions
* Medical screening programme available online
* 24 hour English-speaking travel assistance helpline included, for advice
before and whilst you are away
* Optional cover for golf, winter sports and scuba-diving
* No upper age limit
As always, shop around for the right deal for you.
Life insurance policies and pensions are regulated in the UK by the Financial
Services Authority. The FSA provides advice on types of
insurance policy and how they are regulated on it's
Money Made Clear website.
See also our business insurance page.
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