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As an individual, a business or a company there are concerns about potential risks or hazards that may occur. Insurance is the promise of reimbursement should any such adverse event happen.
Individuals or companies pay premiums to an insurance company who in return will reimburse them if they incur an unforeseen loss.
Premiums are usually paid monthly to the insurer; however some can be paid yearly. The insurer will invest the premium paid to them in order to ensure they make a profit.
It is important to have insurance in some circumstances in fact in some cases the law actually states that you should have it: for example if you employ anyone, you have to have insurance if you drive any vehicle in this country.
You can insure against any risks, there is almost no limit as to what you can take out insurance against.
Types of Insurance
- Car Insurance
- Home Insurance
- Travel Insurance
- Health Insurance and Private Medical Insurance
- Dental Insurance
- Accident and Sickness Insurance
- Income Protection
- Critical Illness Insurance
- Life Insurance
- Buildings Insurance
- Contents Insurance
- Mortgage Payment Protection
- Business Insurance
- Credit Insurance or Payment Protection
- Pet Insurance
- Caravan Insurance
- Motor Home/Motor Caravan Insurance