Best personal insurance

Covers smartphones, tablets, laptops, and other gadgets against accidental damage, theft, loss, and breakdown after the manufacturer's warranty expires.

• ✓ Cracked screens and accidental damage
• ✓ Theft (with police report)
• ✓ Loss (check policy — not all include this)
• ✓ Breakdown after manufacturer warranty

Specialist insurance for sports equipment — bicycles, golf clubs, ski gear, water sports equipment, and musical instruments. Covers theft, accidental damage, and loss at events.

• ✓ Theft — at home, in transit, or at events
• ✓ Accidental damage
• ✓ Loss at competitions or sports venues
• ✓ Worldwide cover during travel

Term life insurance pays a lump sum if the policyholder dies within the specified term. Provides financial protection for dependants — mortgage repayment, income replacement, or family security.

• ✓ Lump sum death benefit
• ✓ Terminal illness benefit (typically included)
• ✓ Option: decreasing term (mortgage protection)
• ✓ Option: level term (income protection)

Insurance for dogs, cats, and other pets covering vet bills for illness and injury. Available as accident-only, time-limited, maximum benefit, or lifetime cover.

• ✓ Vet fees for illness and injury
• ✓ Emergency treatment
• ✓ Surgery and hospitalisation
• ✓ Specialist referrals

Insurance for motorcycles, mopeds, and scooters. Mandatory third-party cover with optional comprehensive protection.

• ✓ Third-party liability (mandatory)
• ✓ Theft (TPFT and comprehensive)
• ✓ Accidental damage (comprehensive)
• ✓ Helmet and leathers cover

Pays a tax-free lump sum if you are diagnosed with a specified critical illness — typically cancer, heart attack, or stroke. Provides financial cushion during recovery.

• ✓ Cancer (most types)
• ✓ Heart attack
• ✓ Stroke
• ✓ Multiple sclerosis

Pays a regular monthly income if you are unable to work due to illness or injury. Covers up to 60–70% of your gross income until you recover, retire, or the policy term ends.

• ✓ Monthly income payment (up to 60–70% of gross earnings)
• ✓ Covers any illness or injury preventing work
• ✓ Short or long-term payment periods
• ✓ Own occupation or any occupation definition

Compulsory third-party liability cover and optional comprehensive protection for your car. Available as third party only, third party fire and theft, or comprehensive.

• ✓ Third-party liability (mandatory — injury/damage to others)
• ✓ Fire and theft (TPFT and comprehensive)
• ✓ Accidental damage to own vehicle (comprehensive)
• ✓ Personal accident benefit