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    Insurance


    Introduction to insurance

    Insurance as a concept has been around for thousands of years but it was not until the 16th Century that it arrived in Britain in a format recognisable today. The first kinds of insurance policies were fire and sea related; unsurprising given the timeless devastation fire causes and the fact the country is surrounded by sea. But these days you can insure everything from your life, health and job, to your wedding, driving licence and pet tortoise. In other words insurance is big business.



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    But, while the modern day consumer is now adept at sifting through thousands of financial products on offer in search of the cheapest, this approach will almost certainly not pay off when it comes to insurance. The policy that costs the least, costs the least for a reason, usually because it is littered with caveats and exclusions. And if there is one thing more worrying than having to claim on some insurance policies, critical illness for example, it's having the payout declined. That's why buying the right policy and understanding what you are and are not covered for - and under what circumstances - is crucial.


    LifeSearch provides comprehensive life insurance advice to help you make an informed choice.

    With such as wealth of choice, it is also easy to buy expensive insurances you may not need, either because they are not relevant or because they are covered by another policy you hold. On the other side of the coin, there could be events you are not covered for, that would cost just a nominal amount a month and if you ever needed to claim would kick yourself for not having.

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    To make sure you have the best and most appropriate types of cover for you, refer to the CashQuestions guides. When you have decided what you need, check out the CashQuestions tables for what's on offer.

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