Insurance

Insurance is a necessary evil. Some mortgage-related insurance cover is mandatory, such as buildings cover part. Some is optional, but recommended, such as contents insurance.

Some life insurance and income replacement cover is simple, and other types of insurance more complex.

When thinking about your own insurance, it is essential that you are not over- or underinsured, or paying too much for your policy.

Always compare the market and shop around on a regular basis for the best deals.

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L&G offers free life cover to new parents

Legal & General (L&G) has announced it will offer £10,000 worth of free life cover to new parents.

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More insurers offer life cover for people with HIV

More life insurers are writing policies for people with HIV but critical illness and income protection policies are still unavailable despite 61% of people surveyed saying they would 'consider' taking out a policy.

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Insurers should respond to customer expectations

Customers are willing to buy protection products but often they don't understand the differences between buying life insurance and other policies, an industry forum has been told.

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Zurich extends critical illness term

Zurich has increased the maximum term for its critical illness cover from 30 to 40 years, in a bid to protect customers with longer mortgages and to reflect changing retirement patterns.

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64% may have inadequate life insurance

Some 64% of people who have moved up the property ladder in the past five years and have a bigger mortgage as a result, did not review their life insurance; research finds.

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Families enjoy 'record incomes' but shun protection

British families are enjoying record incomes and falling expenditure yet are still not protecting their incomes, according to Aviva's latest Family Finances Report.

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Protection gap puts six million homes ‘at risk'

Six million homes could be at risk because the owners are not covered by any form of insurance.

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Two thirds of women have no life insurance

Two thirds of British women have no life cover and a third say they wouldn't consider it.

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Home insurance leaves absent owners exposed

Standard contents cover is often rendered null and void if homeowners are away for 30 days or more.

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Government agrees flood insurance deal

A fund is to be set up to keep flood insurance cover affordable for high-risk homeowners.

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Younger people turn backs on homeownership

Most young people despair of ever buying their own home, despite government attempts to encourage first-time buyers onto the property ladder.

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Guide to Rent Guarantee Insurance

Rent Guarantee Insurance (RGI) can protect buy-to-let landlords against the risk of their tenants falling behind or ceasing to pay rent altogether.

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First-time landlords risk losses with poor insurance

Accidental or inexperienced landlords are paying for rent guarantee insurance that is unlikely to pay out.

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Power to curb mortgage lending proposed

Mortgage lending criteria could get stricter during economic booms if plans for more capital requirement controls go ahead.

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Landlord register "further tax" on landlords and tenants

Residential landlords have dismissed Labour’s proposal for a national register of landlords as a “further tax on landlords and tenants”.

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Guide to Rent Guarantee Insurance

Rent Guarantee Insurance (RGI) can protect buy-to-let landlords against the risk of their tenants falling behind or ceasing to pay rent altogether.

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Guide to Mutual Lenders

This Guide to Mutual Lenders explains what they can offer to mortgage borrowers

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