Travel, property, business and personal accident cover - guidance on the general insurance solutions that fit personal and business protection needs.
General insurance is the broad category of cover that protects assets, liabilities and specific events other than life. Where life insurance is built around a single event, general insurance products are usually annual contracts that respond to defined incidents during the policy year.
The practical question is rarely "which product is best" but "what would be difficult to absorb financially if it went wrong". A home, a business's stock, a period out of work after an accident, or a medical emergency in another country - each maps to a different category of cover.
The main areas we can help you understand and enquire about.
Cover intended for defined events while travelling, particularly outside your home country.
Cover for a home or commercial premises - the structure, its contents, or both.
Cover shaped around what a business owns, owes and depends on.
A defined benefit on accidental death or specified disability.
Speciality covers for requirements that do not fit the standard categories.
General insurance is relevant to more situations than most people expect.
General insurance products vary far more between insurers than most buyers expect. Two policies with the same name can respond very differently. These are the points worth checking in every case.
General information on travel, property, business and personal accident cover.
General insurance covers categories other than life insurance. It commonly includes travel, property or home, business, personal accident, and various speciality covers. Health and motor insurance are also technically general insurance, and we cover those on their own pages.
Travel insurance is generally considered for international trips, and some destinations or visa processes require it. Cover typically relates to medical emergencies abroad, trip cancellation, baggage loss and similar events, within the policy terms.
Home policies commonly offer cover for the structure, the contents, or both, against defined events such as fire and certain natural perils. What is covered and what is excluded varies significantly between products, so the policy wording matters.
Personal accident cover generally provides a defined benefit in the event of accidental death or specified disabilities. It is distinct from health insurance, which is generally oriented towards medical and hospitalisation expenses.
Businesses commonly look at property and asset cover, liability cover, cover for stock, and employee-related policies. The right combination depends on the nature of the business, its size, and the risks it actually carries.
Start from what would be financially difficult to replace or absorb - a home, business assets, income during recovery from an accident, or costs incurred while travelling abroad. Tell us your situation and we will explain which categories generally apply.
Yes. Mention everything you are considering in the message field of the enquiry form, and our team will address them together when we contact you.
Tell us what you would like to protect and our team will get in touch with you.
Tell us what you need and our team will get in touch with you.
Explore the other areas we can help you with.
Protect yourself and your family against unexpected medical expenses with suitable health insurance options.
Plan for your family's financial security and long-term protection with suitable life insurance solutions.
Get guidance on vehicle insurance options designed to protect your car, bike or other eligible vehicles.
Describe your situation and we will explain which categories of general insurance are typically relevant.