Insurance, explained simply
Understand the terms you will see in a policy and the questions worth asking before you buy.
Understand medical cover for yourself and your family before choosing a policy.
Read the GuideKnow the difference between liability cover, protection for your vehicle and optional add-ons.
Read the GuideCompare protection, savings and market-linked plans by understanding what each one is designed to do.
Read the GuideCheck protection for medical emergencies, baggage and covered travel disruptions before your journey.
Read the GuideUnderstand cover for your business property and for goods moving from one place to another.
Read the GuideThe proposer applies for insurance. The insured is the person or risk covered. A nominee is the person named to receive benefits where applicable. These roles can be different; always check the policy's eligibility and definitions.
Read the Related GuideSome health benefits become available only after a stated period. Initial, specific illness and pre-existing disease waiting periods may differ. Check each one before choosing cover.
Read the Related GuideNo Claim Bonus rewards eligible claim-free motor insurance history with a discount on own damage premium. Declare earlier claims accurately when renewing or changing insurers.
Read the Related GuideCompare the cover, premium, exclusions, deductibles and benefit limits. Read the policy wording and customer information sheet, where applicable. Ask which benefits are guaranteed and which depend on conditions.
Read the Related GuideInform the insurer promptly and follow its instructions. Keep your policy details, bills and evidence of the incident. YFB can help organise documents and follow up; claim decisions and payments remain with the insurer.
Read the Related GuideGeneral educational information. Cover, eligibility and claim payment depend on the selected policy terms. References are listed within each insurance guide.
