Most of us have buildings and contents insurance for our homes, car insurance and maybe even life insurance, but there are other types of specialist insurance that you really can’t afford to be without, if they apply to you. But what other types of insurance are available, and do you need them?
Equine insurance
If you own a horse, equine insurance is something you can’t be without. This can usually be paid for by direct debit, in instalments to spread the cost, and will provide cover should anything happen to your horse. Equine insurance will cover your vets fees when you need it most and give you the peace of mind that should your horse need expensive medical care, you’ll be covered for it. Owning a horse without equine insurance is irresponsible, as this means you’ll be liable for paying any vets fees should your horse become seriously ill or injured.
Pet insurance
Pet insurance is important for pet owners, particularly if you have a dog or cat. Should your animal be injured or develop a serious illness, vets fees can quickly spiral and you don’t want to be left worrying about how you will meet the cost. Check the small print on your pet insurance to make sure you know exactly what is covered.
Travel insurance
It’s amazing how many of us jet off abroad without travel insurance, but with the high cost of medical treatment in other countries, such as the USA, it’s foolish to travel without cover in place, particularly if you’re travelling with children. Most insurance covers you not only for medical emergencies but also for lost or stolen possessions or cancellation of your holiday.
Caravan or trailer insurance
You’ve insured your vehicle, so don’t forget to take out insurance for your caravan or trailer, as you would be surprised how many people simple don’t bother! Get a competitive quote online and make sure your caravan or trailer is protected, particularly important if it is often left outside.
Making sure you have the right insurance in place can take a load off your mind. Whilst you may make payments for years and never need to make a claim on your equine insurance or travel insurance policy, knowing that you are protected is the most important thing and gives you one less thing to worry about, so make sure you’re covered.