General insurance: motor, home and travel cover
A practical guide to choosing non-life insurance for vehicles, property, travel and everyday risks.
General insurance protects against specified risks for a policy period. Motor cover may include third-party liability and own-damage sections. Home cover can address building, contents or named perils. Travel policies may include medical expenses, baggage and trip disruption subject to limits. Compare insured value, deductibles, exclusions, add-ons, geographic limits, depreciation rules and claim documentation; the cheapest premium may not offer the protection you need.
Eligibility
The asset, travel destination, usage, ownership evidence and insurer underwriting determine eligibility and terms.
Potential benefits
Insurance transfers specified financial risks to the insurer under the policy contract. It does not cover every loss or replace sensible safety controls.
How to apply
Identify the risk and required value, obtain quotes from authorised channels, read the schedule and wording, disclose material facts, and retain photographs, invoices and claim contacts.