Archive note. This article began as a 2023 checklist. It now serves as a broad overview of seven different insurance purposes, not a recommendation to buy every policy or an indication that IM-Insured currently offers every product mentioned. Cover, eligibility, exclusions, claims and tax treatment depend on the policy and individual circumstances.
1. Life insurance
Life cover may provide a payment if the insured person dies while covered. Families often consider debts, dependants, income and existing protection when deciding whether to explore it. The amount and form of any payment follow the policy terms; tax treatment can depend on ownership and circumstances. Read our current Life Insurance guide.
2. Contents insurance
Contents policies can protect belongings against specified events, subject to limits and exclusions. This is background information only: IM-Insured is not offering an active contents-insurance quote through this article.
3. Critical Illness Cover
A critical illness policy may pay a benefit for a condition that meets its precise definition and any severity requirements. It is not a promise of payment for every diagnosis. Review the list of covered conditions, exclusions and claim terms in the actual policy. See our current Critical Illness Cover guide.
4. Pet insurance
Pet policies vary in covered treatment, annual or condition limits, excesses, exclusions and pre-existing-condition rules. This is archive background, not an active pet-insurance offer from IM-Insured.
5. Motor insurance
Motor policies differ in the cover provided for your own vehicle and third-party losses. Check current legal requirements and policy documents with a motor-insurance provider. IM-Insured is not offering an active car-insurance quote through this article.
6. Key Person Insurance
A business may consider cover linked to someone whose loss could affect its operations. Whether a claim is payable, who receives it and its tax treatment depend on the arrangement and circumstances; professional advice may be needed. Read our current Key Person Insurance guide.
7. Income Protection
Income protection may pay a portion of income after illness or injury that meets the policy definition, following any waiting period. Benefit limits, exclusions and claim terms differ. Read our current Income Protection guide.
For currently advertised personal protection, start an adviser enquiry. This is not an instant online price or policy purchase. For Business Insurance, use Contact Us to find the authorised adviser route.
