Insurance Types
Not all companies provide you the same insurance types and options. Be sure to read thoroughly before taking a decision.
Top 5 Insurance Providers
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First Place: Churchill Life Insurance
Direct Line Life Insurance with Critical Illness Cover include Critical Illness cover with your Direct Line Life Insurance and help protect yourself and loved ones from financial worry in the case of a serious illness.
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Second Place: HR24 – Direct Line’s Home Emergency Cover
Direct Line’s HR24 policy covers you for home emergencies from just £7 a month. Plus, if you buy your policy online, you will receive an extra 5% discount.
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Third Place: Direct Line Pet Insurance
Vet’s bills can cost you thousands, but with Direct Line, you can pay from just £6 a month for cats and from £8 a month for dogs, to protect your pet and avoid the high costs. And if you buy online, you’ll receive a 15% discount.
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Fourth Place: More Than Business Insurance
Our public liability insurance cover is available for contractors with an annual turnover of up to £1 million. Ideal for small business, contractors insurance includes the option to add Employers' Liability cover too.
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Fifth Place: More Than Pet Insurance
No time limit to spending the vet fees benefit- providing protection against long term ailments such as Arthritis or Eczema (not just the first 12 months like some other competitors).
Van Insurance
by InsureExpert.co.uk
Van insurance is a market which has proved to be a little confusing for many, with some van owners unsure about how to cover themselves for business use, and some van owners trying to get away with simple reduced private use insurance. Many do not realise that if you insure your vehicle for private use, you are not necessarily covered for business use, and this could leave some open to major liabilities in the event of an accident.
Travel Insurance
by InsureExpert.co.uk
As we continue to see massive increases in the number of people visiting foreign lands, the need for travel insurance has never been greater. Gone are the days when you could travel overseas in the knowledge that you would be looked after by the local authorities, travellers now need to make their own arrangements.
Mortgage Insurance
by InsureExpert.co.uk
As the property market in the UK continues to push ahead, the average cost of a UK home has grown to some £150,000, substantially more than the historical mortgage lending guideline of 2.5 times joint income. This has seen the risk factor associated with mortgage payments rise, and increased the need for mortgage insurance, both for the lender and the home owner. There are really two types of mortgage insurance, which offer protection to both parties and give that extra piece of mind in the event of unforeseen circumstances.
Medical Insurance
by InsureExpert.co.uk
Historically medical insurance was often thought of as something for the wealthy and not really applicable to the masses. Over the last few years there has been a major mind change in places such as the UK with the National Healthcare Services (NHS) under pressure, and the cost of private healthcare continuing to rise as treatment and equipment become more and more expensive. So is medical insurance really useful and required by everyone? The short answer is that medical insurance is quickly becoming vital for almost all of society, with many who once thought that the NHS would cover their every needs, starting to think again. The massive expansion in the healthcare budget of the UK has caused a major change in the industry and the reality is that the NHS will not always be free. In what situations would medical insurance be useful?
Life Insurance
by InsureExpert.co.uk
Life insurance is one of the most popular insurances available in the UK, and one which can ensure that your family and friends are looked after in the event of your untimely death. The contract is very simple, you pay a premium in exchange for cover in the event of your death, and the funds are paid out to a nominated party.
Landlord Insurance
by InsureExpert.co.uk
The last few years have seen a major rise in the amount of buy to let properties in the UK, and the signs are that this is set to be a long term trend. While there are opportunities for long term capital gains, not to mention rental income to assist with mortgage repayments, there are a number of issues which landlords need to address. There are added risks renting out properties to third parties, both for the third party and the home owner. As the market has increased in size, there are now a number of specific landlord related insurance products on the market to assist with long term protection.
Income Insurance
by InsureExpert.co.uk
As the cost of living continues to spiral higher and higher, many are only just starting to realise that
in the event of being unable to work, or seeing their income slashed dramatically, the state system may not be in a position to cover the short fall. This has led to an increased interest in income insurance, an area of the market which is often mistaken for health insurance, disability insurance, etc.
Home Insurance
by InsureExpert.co.uk
Essential Or An Expensive Extra? Unfortunately for many, home insurance has become essential and something which may well have been used on more than one occasion.
Dental Insurance
by InsureExpert.co.uk
While there are not many people in the world who actually enjoy going to see their dentist, it is something which needs to be done on a regular basis to ensure your teeth are fit and healthy. The UK has one of the best dental operations in the world, in line with the National Health Service (NHS), and an idea which was originally suggested by the Labour government of 1942. The health of the UK nation has always been high on the agenda for successive governments, but pressure is being exerted on dental healthcare budgets and major changes have and continue to take place. In many areas of the UK it is near impossible to receive a same day appointment at an NHS dental practice, and the cost of going private can often be out of the reach of some. This has forced many people to look at dental insurance as a way of ensuring they receive the best treatment, when it is required, and at no extra cost. As the number of NHS dental practices continues to fall and patient numbers continue to rise, we have seen a major shift to the private sector.
Car Insurance
by InsureExpert.co.uk
While competition in the general insurance market has led to an improvement in premium costs for the consumer, the car insurance market is one which has actually bucked that trend. As premiums continue to rise higher and higher each year, many are asking why this is happening?
