Insurance
Home insurance
Buildings and contents cover. Most lenders ask for buildings cover before you complete.
Insurance.
Protect your home and family.
Home insurance, life cover and income protection explained in plain English, with a free tool to spot gaps in your cover.
Insurance
Life insurance
Pays a lump sum if you die, so your family can clear the mortgage or cover bills.
Insurance
Critical illness cover
Pays out if you are diagnosed with a serious illness listed in the policy.
Insurance
Income protection
Pays part of your income if you cannot work because of illness or injury.
Not sure what you need?
Answer a few quick questions with our free Cover Checker to see where you might have gaps.
Business protection
Own a business or run a limited company? These covers protect the people and money it depends on.
Key person cover
Pays your business a lump sum if someone it relies on dies or becomes seriously ill, to cover lost profit or the cost of replacing them.
Shareholder protection
Gives the other owners the money to buy a share from the family of an owner who dies or becomes seriously ill.
Relevant life cover
Life cover for a director or employee, paid for by the company. Speak to your accountant about the tax side.
Business loan protection
Helps repay a business loan if a director or owner dies or becomes seriously ill.
Tips before you buy cover
- Get quotes from more than one insurer. Prices for the same cover can vary a lot.
- Read what the policy does not cover, not just what it does.
- Tell the insurer the truth about your health and lifestyle, or a claim could be refused.
- Ask about putting life cover in trust, so the payout reaches your family faster.
- Check your cover each time your mortgage, income or family changes.
Buying a home or remortgaging? Our mortgage brokers can help with the mortgage, with no broker fee. Talk to a mortgage broker.
Common questions
Do I need home insurance with a mortgage?
Most lenders need buildings insurance in place from the day you complete. Contents cover is your choice but worth thinking about.
How much life cover do I need?
Many people start with enough to clear the mortgage, then add cover for other debts and family costs. A protection adviser can help you work it out.
Can Money Arena sell me a policy?
No. Money Arena gives free information on insurance, but we do not arrange or advise on it. Use the Cover Checker to spot gaps, then compare quotes or speak to a protection adviser.
What is business protection?
Cover that helps a business carry on if an owner or key person dies or becomes seriously ill. It includes key person cover, shareholder protection and relevant life cover.