This pays out a lump sum if you become seriously ill. The three main reasons for a pay out are certain stages and types of cancer, heart attack or stroke. However, a wide range of illnesses can be covered.

Provides a monthly income for your family if you die. This can help pay for the bills for the family you have left behind. The amount and length of cover can be adjusted to suit your needs and budget.

Provides a monthly income if you cannot work due to an accident or illness. These policies can be used for the self-employed or in conjunction with employer benefits for the employed.

Buildings insurance is a condition of any mortgage because it protects the asset which the loan is secured against. Contents insurance covers anything inside (and sometimes outside) of the home that is not part of the structure of the building. Cover can vary greatly so it’s important to compare level of cover as well as cost.