General Insurance Policies - Household and Motor Insurance

Motor Insurance

When taking out insurance for your car, motor bike or other vehicle it always pays to shop around and to compare deals that are available. You can use price comparison website like gocompare.com but some companies do not advertsie on such sites and may offer a better deal, an example is Direct Line.

If you are renewing your car insurance some companies now offer carbon neutral options - ibuyeco for example compares quotes from major companies and offers to offset 100% of the carbon emissions from your car journeys.

Save up to 10% when you buy your car insurance online

The Co-operative Insurance comprehensive policies come with all these features:

• up to 10% discount when you apply online

• up to 70% No Claim Discount

• courtesy car† in the event of an accident, making the whole experience less stressful

• 24-hour response to claims from our friendly, experienced UK-based claims handlers

• a replacement child seat at no extra cost ‡

• up to 30 days European cover

• protect your No Claim Discount* for an additional premium.

*Terms and conditions apply. †Subject to availability and using an appointed repairer. ‡Comprehensive policies only

Find motor insurance in the Business Directory

Home and Contents Insurance

Whatever home insurance you choose do check that it provides and look for things that are covered that are not required. For example, you may find cheaper travel insurance by excluding risks already covered by your household content's insurance.

Check that the buildings cover reflects the cost of rebuilding your home in case of fire or other disaster. Check what valuables are covered both in and outside the home and that the insured amounts are adequate.  Remember that most policies offer new for old replacement of items so it is important that you value contents at the replacement cost.

Remember that although lower insured amounts may result in lower premiums, if you under insure any claims may be reduced accordingly.

Student Possessions

Endsleigh has been the UK’s number 1 student insurance provider for over 40 years and are the only company recommended by the NUS. Endsleigh offer low cost policies, with a minimum cover to £2,500 at no extra cost to the student. The policy will cover students in halls or shared accommodation off campus, even if there is no forced entry into their room. It will also offer cover for their laptops/possessions both inside and outside of their rooms.

Find a home insurance policy in the Business Directory

General insurance policies, including motor and home and buildings insurance, 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.

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 insurance policy or renewing an existing policy.

If in doubt do consult an insurance broker, you can find one through the British Insurance Brokers' Association website.

See also business insurance (including buy to let/landlords)

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