Insurance Forum UK - Car, Home, Pet, Gap, Motor, Life, Health insurance quotes online

Insurance

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• Insurance. A contract in which payment of premiums covers the insured against something that may, or may not occur. Insurance is designed to protect the financial well-being of an individual, company or other entity in the case of unexpected loss. Some forms of insurance are required by law, while others are optional. For example, Motor insurance covers the insured against accidents that may occur. In the UK insurance is differentiated from assurance (life assurance) that is protection against something that will inevitably occur.
• Homeowners insurance. A form of property insurance that provides cover against such items as damage to the building, personal property, theft, personal liability etc.
• Health insurance. Generic term for insurance covering costs incurred due to illness, injury and disability.
• Income protection insurance.  Also known as accident, sickness and unemployment cover, income protection insurance provides a regular income, up retirement age, if you become unable to work as a result of accident, sickness or disability. The amount paid out is linked to your overall level of income.
• Indemnity insurance. A policy that covers the insured against the loss of an asset. The purpose of the insurance is to place the insured in exactly the same financial state after a loss as he was in before the loss occurred. 
• Insurance policy. The document that specifies the details of cover of an insurance contract, such as term and what is covered, together with the premium payable. 
• Liability insurance. Insurance against legal liability to pay compensation and court costs where the insured has been found negligent in respect of injuries sustained by another person or damage to his / her property.
• Life insurance. An insurance policy that, in return for the payment of regular premiums, pays a lump sum on the death of the insured. In the case of policies limited to investments which have a cash value, in addition to life cover, a savings element provides benefits which are payable before death. In the UK, endowment assurance provides life cover or a maturity value after a specified term, whichever is the sooner  
• Group insurance – insurance provided for company employees by employers, or by any other group such as a trade association. Items covered may include health insurance, disability insurance and term life insurance. This is attractive to the individuals as it would generally be more expensive for them to obtain such insurance individually.
• First death insurance – a joint-life policy that pays money to a surviving partner on the first partner’s death.

Worldwide Travel Insurance is a leading independent travel insurance retailer, offering a wide range of policies including

Car motor insurance the market leaders in Niche Car Motor Insurance and we’re backed by one the most respected underwriters in the industry.

Click4Gap is the market leader in return to invoice gap insurance. Return to Invoice Gap Insurance pays the difference between your cars insurance.

• Free quotes valuation and the amount you originally paid if it's stolen or an insurance write-off.
• The market leaders in on-line Gap Insurance sales and have specialised in this insurance sector for over 20 years.
• Innovative and pro-active. This reflects on our latest Gap policy ‘Return To Value’, which opens up this Insurance to possibly the largest audience in the motor insurance sector by covering cars up to 7 years old!
• This policy joins our already proven and trusted ‘Vehicle Replacement’ and ‘Return to Invoice’ Gap policies.