How Much Does Insurance Cost? (2026)

Contents-only insurance for renters and homeowners who want to protect their possessions without insuring a building they do not own. Covers belongings against theft, fire, flood, and accidental damage.

Combined buildings and contents insurance for owner-occupiers. Protects the structure of your home (buildings) and everything inside it (contents) against fire, flood, theft, escape of water, and accidental damage.

Specialist insurance for private landlords renting out residential property. Covers buildings, loss of rent, landlord liability, and optional legal expenses.

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

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

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.

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.

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

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.

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.

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

Dental insurance covering routine check-ups, fillings, extractions, and major restorative work. Available as standalone policy or rider on health insurance.

Private health insurance giving access to private hospitals, faster diagnosis, and treatment without NHS waiting lists. Available as individual, couple, or family plans.

Single-trip travel insurance covering one journey abroad. Includes emergency medical treatment, trip cancellation, lost baggage, and travel delay.

Annual travel insurance covering unlimited trips within the policy year. Cost-effective for anyone travelling three or more times per year.

Protects event organisers against irrecoverable costs if an event must be cancelled, postponed, or abandoned due to circumstances beyond their control.

Cyber insurance covers financial losses from data breaches, ransomware attacks, and other cyber incidents — including regulatory fines, business interruption, and crisis management costs.

Public liability insurance protects your business against claims from members of the public for injury or property damage caused by your business activities.

Legally mandatory in the UK for any business with employees. Covers claims from employees for work-related illness or injury.

Protects professionals and businesses against claims for financial loss suffered by clients as a result of negligent advice, errors, or omissions.