Insurance Products

A

• Accident Insurance: Provides compensation for injuries sustained due to an accident.
  
  

• Aircraft Insurance: Covers aircraft owners and operators for loss, damage, or liability related to their aircraft.
  
  

• Animal Insurance (Pet Insurance): Covers veterinary costs for pets and sometimes includes liability coverage if your pet injures someone.
  
  

B

• Business Interruption Insurance: Covers loss of income due to a business being unable to operate as a result of a disaster like fire or flood.
  
  

• Buildings Insurance: Covers the cost of repairing or rebuilding a property due to damage caused by events like fire, flooding, or vandalism.
  
  

• Burglary Insurance: Protects against losses due to theft from forced entry into property or business premises.
  
  

C

• Car Insurance: Mandatory in the UK, it covers liability and damages in case of vehicle accidents. Levels include third party, third party fire and theft, and comprehensive.
  
  

• Commercial Property Insurance: Protects business premises and their contents from risks like fire, flooding, and theft.
  
  

• Contents Insurance: Covers the personal belongings inside your home against theft, fire, and damage.
  
  

• Critical Illness Insurance: Provides a lump sum if you are diagnosed with a serious illness such as cancer, heart attack, or stroke.
  
  

D

• Death in Service Insurance: Pays a lump sum to an employee's beneficiaries if they die while employed, regardless of whether it happens at work.
  
  

• Directors’ and Officers’ Insurance (D&O): Covers company directors and officers against personal liability for wrongful acts committed in their role.
  
  

• Dental Insurance: Helps cover the cost of dental treatments and check-ups.
  
  

E

• Employers’ Liability Insurance: Legally required if you have employees. Covers compensation claims made by employees for injuries or illnesses caused by their work.
  
  

• Event Insurance: Covers events such as weddings, conferences, and festivals against cancellation, public liability, and other risks.
  
  

F

• Fleet Insurance: Covers multiple vehicles used by a business under one policy.
  
  

• Flood Insurance: Protects against damage caused by flooding to property and possessions.
  
  

G

• Gap Insurance: Covers the difference between the market value of a vehicle and the amount outstanding on finance if the vehicle is written off.

• Goods in Transit Insurance: Protects goods against loss or damage while being transported.
  
  

H

• Health Insurance (Private Medical Insurance): Provides access to private healthcare and treatments, reducing waiting times.
  
  

• Holiday Insurance (Travel Insurance): Covers unexpected events while travelling, including medical expenses, trip cancellations, and lost luggage.
  
  

• Home Insurance: Combines buildings and contents insurance to cover your home and its belongings.
  
  

I

• Income Protection Insurance: Provides a regular income if you are unable to work due to illness or injury.
  
  

• Indemnity Insurance: Offers protection from financial loss or damages claims arising from professional negligence.
  
  

J

• Jewellery Insurance: Specific cover for valuable jewellery items, often included under contents insurance with high-value item extensions.
  
  

K

• Key Person Insurance: Protects a business against the financial impact of losing a key employee or director due to death or critical illness.
  
  

L

• Landlord Insurance: Protects landlords against risks such as property damage, loss of rent, and tenant-related liabilities.
  
  

• Legal Expenses Insurance: Covers the cost of legal advice and representation in certain situations, such as employment disputes or contract disagreements.
  
  

• Life Insurance: Pays a lump sum or regular payments to your dependants in the event of your death.
  
  

M

• Marine Insurance: Covers loss or damage to ships, cargo, and related transport or storage.
  
  

• Motor Fleet Insurance: Designed for businesses with multiple vehicles, covering all under one policy.
  
  

• Motor Trade Insurance: For businesses involved in selling, repairing, or servicing vehicles, providing cover for vehicles used in the course of business.
  
  

N

• No Claims Bonus Protection: Allows you to make a certain number of claims on your car insurance without losing your no-claims discount.
  
  

• Nursing Insurance: Helps pay for long-term nursing care if you become seriously ill or disabled.
  
  

O

• Office Insurance: Covers office contents, including furniture, computers, and important documents, against damage or theft.
  
  

• Over 50s Life Insurance: A policy designed for those over 50, providing a lump sum on death, typically without a medical exam.
  
  

P

• Personal Accident Insurance: Provides compensation if you are injured, disabled, or killed in an accident.
  
  

• Personal Liability Insurance: Covers legal costs and compensation if you accidentally injure someone or damage their property.
  
  

• Pet Insurance: Covers the cost of veterinary treatments for your pet if they fall ill, get injured, or need emergency care. It may also include cover for theft or death.
  
  

• Professional Indemnity Insurance: Protects businesses and professionals from claims of negligence, errors, or omissions in their work.
  
  

• Public Liability Insurance: Covers compensation claims from the public for injuries or damage to property caused by your business.
  
  

Q

• Quad Bike Insurance: Covers off-road vehicles like quad bikes for theft, damage, and liability.
  
  

R

• Rental Protection Insurance: Covers loss of rental income if your property becomes uninhabitable due to damage.
  
  

• Retirement Insurance (Pension Annuity): Provides a regular income in retirement by converting pension savings into a steady payout.
  
  

S

• Self-Employed Insurance: A tailored insurance package combining relevant cover such as public liability, professional indemnity, and income protection for freelancers and the self-employed.
  
  

• Shop Insurance: Protects shop premises and contents from damage, theft, and liability claims.
  
  

• Sports Insurance: Covers injuries and accidents that occur while participating in sports.
  
  

T

• Taxi Insurance: Specialist motor insurance for taxi drivers, covering passenger liability, accidents, and theft.
  
  

• Tenant’s Contents Insurance: Covers personal belongings for tenants in rented accommodation.
  
  

• Tradesman Insurance: A package of cover options for tradespeople, typically including public liability, employers’ liability, and tools cover.
  
  

• Travel Insurance: Provides protection for medical expenses, trip cancellations, and lost baggage while travelling.
  
  

U

• Unemployment Insurance: Provides income if you lose your job through no fault of your own, such as redundancy.
  
  

• Underinsurance Coverage: Covers situations where the insurance you hold is insufficient for the loss experienced.
  
  

V

• Van Insurance: Protects vans used for personal or business use against theft, damage, and third-party liability.
  
  

• Voluntary Group Life Insurance: An optional benefit offered by employers that provides life insurance coverage to employees.
  
  

W

• Wedding Insurance: Covers unexpected costs from wedding cancellations, vendor issues, or accidents during the event.
  
  

• Workplace Pensions Insurance: Ensures compliance with pension enrolment regulations and provides long-term savings for employees.
  
  

X

• X-Ray Insurance: Specialist cover for x-ray equipment and liability for damage or misuse in medical or industrial settings.
  
  

Y

• Yacht Insurance: Covers yachts against damage, theft, and third-party liability.
  
  

Z

• Zero Hour Contract Insurance: Protects individuals on zero-hour contracts with income protection and accident insurance if unable to work due to illness or injury.