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Personal Insurance
7 policies in this group

Personal Insurance

Cover for you, your family, your home, your health and the things you rely on day to day. Every policy below is compared across our insurer panel and explained in plain language before you commit.

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All 7 policies in this group

01 / 07

Home & Contents Insurance

Cover for your buildings, belongings, and accidental damage, with options for high-value items and unoccupancy periods.

What's Covered

  • Buildings cover for the structure, fixtures, and outbuildings
  • Contents cover for furniture, electronics, and personal belongings
  • Accidental damage, escape of water, and storm/flood options
  • Named high-value items (jewellery, art, electronics) above standard limits
  • Cover for extended unoccupancy, e.g. while renovating or travelling

Who This Is For

Homeowners and tenants who want their buildings and belongings properly valued and covered, not just a default policy sized for an average property.

Good to Know

Under-insurance is the most common reason a buildings claim gets reduced. We help you value your property properly at the outset, not just at claim time.

Usually Not Covered

  • Wear and tear or gradual deterioration
  • Damage while the property is left unoccupied beyond the policy's stated limit
  • Business stock or equipment kept at a private home (needs separate cover)
02 / 07

Motor & Motorcycle Insurance

Comprehensive, third-party, or classic vehicle cover, with named-driver and no-claims protection options built in.

What's Covered

  • Comprehensive, third-party fire & theft, or third-party only levels
  • Named-driver and multi-car policy options
  • No-claims discount protection
  • Classic and modified vehicle cover with agreed valuations
  • Motorcycle cover across engine sizes and rider experience levels

Who This Is For

Individual drivers and riders, families running multiple vehicles, and classic or modified vehicle owners who need an insurer that actually understands their vehicle.

Good to Know

A modified or classic vehicle on a standard policy can be underinsured by default. We place these with insurers who use agreed, not market, valuations.

Usually Not Covered

  • Using the vehicle for hire or reward without the right class of cover
  • Driving under the influence or without a valid licence
  • Modifications not declared at the time of purchase
03 / 07

Life & Critical Illness Insurance

Lump-sum or income protection cover for your family if the unexpected happens, matched to your mortgage or income needs.

What's Covered

  • Level, decreasing, or increasing term life cover
  • Critical illness cover paid on diagnosis of a specified condition
  • Combined life and critical illness policies
  • Cover sized to a mortgage balance or ongoing income need
  • Options to include children's critical illness cover

Who This Is For

Anyone with a mortgage, dependants, or an income their family relies on, who wants a lump sum or income replacement in place before it's needed.

Good to Know

The right sum insured depends on debts, income, and dependants. We work through this with you rather than defaulting to a round number.

Usually Not Covered

  • Non-disclosure of a known pre-existing medical condition
  • Self-inflicted injury
  • Conditions not on the policy's specified critical illness list
04 / 07

Travel Insurance

Single-trip or annual multi-trip cover, including medical emergencies, cancellations, and lost luggage, worldwide or Europe-only.

What's Covered

  • Emergency medical treatment and repatriation
  • Trip cancellation, curtailment, and delay
  • Lost, stolen, or delayed luggage and personal belongings
  • Winter sports and other activity add-ons
  • Annual multi-trip options for frequent travellers

Who This Is For

Single travellers and families on one-off trips, and frequent travellers better served by an annual multi-trip policy.

Good to Know

Pre-existing medical conditions are the most common reason a travel claim is refused. Declare them upfront and we'll place cover that actually responds.

Usually Not Covered

  • Undeclared pre-existing medical conditions
  • Travel against official government advice to a specific destination
  • Losses arising while under the influence of alcohol or drugs
05 / 07

Mortgage Protection

Cover to keep up mortgage repayments if you're unable to work due to illness, injury, or unemployment.

What's Covered

  • Monthly benefit to cover mortgage repayments
  • Cover for accident, sickness, and (optionally) unemployment
  • Deferred period options to match any employer sick pay
  • Benefit paid for a defined claim period per incident
  • Joint or single-name policies for co-borrowers

Who This Is For

Homeowners who want their mortgage specifically protected, separate from, or alongside, broader life and critical illness cover.

Good to Know

This pays out on inability to work, not on death. It's a companion to life cover, not a replacement for it.

Usually Not Covered

  • Redundancy that was reasonably foreseeable at the policy start date
  • Voluntary unemployment or resignation
  • Pre-existing conditions not disclosed at application
06 / 07

Health Insurance

Private medical cover for faster diagnosis, treatment, and specialist access, as an individual policy or a company benefit.

What's Covered

  • Private consultations, diagnostics, and specialist referrals
  • In-patient and day-patient treatment
  • Cancer cover and out-patient treatment options
  • Optional dental, optical, and mental health add-ons
  • Individual, family, and company/group scheme structures

Who This Is For

Individuals and families wanting faster access to treatment, and employers looking to offer private medical cover as a staff benefit.

Good to Know

Underwriting approach (moratorium vs. full medical) materially changes how pre-existing conditions are treated. We walk you through the difference before you buy.

Usually Not Covered

  • Routine or preventative treatment not tied to a new condition
  • Pre-existing conditions under a moratorium basis, for a defined initial period
  • Cosmetic treatment that isn't medically necessary
07 / 07

Loan & Credit Protection

Keeps up repayments on a personal loan, credit card, or car finance agreement if illness, injury, or redundancy stops you working, so one setback doesn't become two.

What's Covered

  • Monthly repayment cover for personal loans, credit cards, or car finance
  • Accident, sickness, and (optionally) involuntary redundancy
  • Cover that runs alongside the term of the underlying credit agreement
  • Single or joint-borrower policies

Who This Is For

Anyone with an existing loan, credit card balance, or car finance agreement who wants repayments covered if they're unable to work.

Good to Know

This is sized to your actual repayment amount, not a generic sum, so it neither over- nor under-covers what you owe.

Usually Not Covered

  • Voluntary redundancy or resignation
  • Conditions or unemployment risk known about before the policy started
  • Repayments continuing beyond the policy's maximum benefit period

Documents You'll Need

Proof of ID, details of the asset (property, vehicle, or trip), and your claims history for the last 3 to 5 years.

Explore Other Cover

Business Insurance

Cover built around your operations, premises, fleet, cash flow and professional risk. We take the time to understand how your business actually runs, then place each policy with insurers who know your sector.

View 4 policies →

Specialty & International Cover

For risk that crosses borders or doesn't fit a standard policy: cargo at sea, high-value cargo that outgrows standard limits, programmes spanning several countries, high-value assets and one-off exposures that need a broker to build the cover around them.

View 5 policies →

Credit & Financial Risk Insurance

Insurance for the money side of business: customers who don't pay, governments that change the rules, fraud, director liability and deals that go wrong, plus insurance-backed bonds that keep your bank lines free.

View 9 policies →

Trade Finance & Guarantees

Bank instruments and guarantees that help deals close: letters of credit, bonds, proof of funds and import finance, arranged through our banking partners and explained step by step.

View 16 policies →

Not Sure Which One You Need?

Tell us about your situation and a broker will point you to the right cover, or combine several into one programme.