There are many types of insurance including Buildings and contents, car and breakdown cover, pet insurance, travel insurance, life and health insurance but which do you really need?

Insurance pays out when an unpredictable event causes a loss. You need insurance whenever:

1) The law says you must have it - for example, if you drive a car, you must be insured;

2) An event could happen to you and you would not be able to afford the loss - for example, if a tile fell from your house and injured someone who then claimed thousands of pounds or their lost earnings;

3) An event happened, people who are dependent on you could not bear the loss - for example, if you died and your children needed the financial support you had previously given. In some cases, the government provides protection by, for example, paying incapacity benefit if you can't work due to illness but benefits are low.

Apart from the above many people feel happier knowing they are insured and covered for unexpected events and it is up to the individual to decide how much cover they need. The main areas of insurance are covered in detail as follows:

This includes both Household contents and the actual building itself which you will have to insure if you have a mortgage.Buildings and Contents Insurance.

Landlord Insurance-

If you let your property you will need landlords or buy to let insurance cover as the associated risks can be substantial and different from those experienced by commercial property investors and normal household insurance will not cover you. Landlords carry greater risks than the average householder, so making sure that you are fully covered is vital in today’s blame and claim culture. Landlord Insurance

Car Insurance & Breakdown cover

By law your car must be insured but what leve of cover do you really need. Is a courtesy car essential if your car is off the road? How important is breakdown cover to you? If you have a new car it may be under warranty, if your car is older it may be more likely to breakdown! > Find out moreabout Car Insurance here or Breakdown Cover.

Travel Insurance

When travelling abroad it is always best to be prepared. Here we discuss the levels of cover and foreign exchange rates. Click Here for Travel Insurance.

Life & Health Insurance

Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums. Life & Health Insurance.

Pet Insurance

If your pet is ill or injured, the vet's bills could cost you thousands. As a pet owner, you want the best treatment for your dog or cat, and with no NHS for animals, they believe insurance is really a necessity, not a luxury. Click Here to find out more.

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