Personal & Family
Cover for individuals and households. The question is rarely which product — it is what your family would actually need if your income stopped, or if the house had to be rebuilt.
Health Insurance
Treatment paid for at the point of use, rather than out of savings you were keeping for something else.
A single hospital admission can cost more than most households keep available. Without cover, that bill arrives at the worst possible moment and competes with rent, fees and everything else.
What it covers, and what it does notLife Insurance
A lump sum for the people who depend on your income, if that income stops permanently.
If something happened to you, your household would face the loss and the finances at the same time. Life cover is not for you — it is for what they are left standing on.
What it covers, and what it does notMotor Insurance
Cover for your vehicle and for the harm it could do to someone else.
Third-party cover is the legal minimum and pays nothing towards your own vehicle. Most drivers only discover which one they bought after the first incident.
What it covers, and what it does notTravel Insurance
Medical treatment, cancellation, delay and lost baggage while you are away from home.
Medical treatment abroad is charged at local rates, in local currency, up front. It is one of the cheapest covers available and one of the most frequently skipped.
What it covers, and what it does notProperty Insurance
Cover for buildings and their contents against physical damage and theft.
Fire, flood and burglary rarely take one thing. The question is whether your sum insured would actually rebuild and refurnish at today's prices, not what you paid years ago.
What it covers, and what it does notPersonal Accident Insurance
A fixed sum paid for death or disability caused by an accident, whatever the medical bills.
An accident that stops you working creates two problems at once — the treatment, and the income. Personal accident cover pays a set benefit regardless of either.
What it covers, and what it does not