What to look for when buying insurance

Ruth Jackson explains how to ensure you get the right insurance deal for you.

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The cheap deals may exclude selfie cover
(Image credit: blyjak)

When you're shopping for an insurance policy be it to cover your car, your holiday, your pet or your home it's tempting to go for the cheapest option available. But it's worth digging a little deeper often the lowest-priced policy is cheap for a reason. There are several factors to consider. Firstly, remember that cover comes in a range of different types so make sure you are comparing like with like, and that you are getting the cover you need. For example, with pet insurance, there are several options, from "accident-only" to "lifetime cover". An accident-only policy isn't terribly useful most pet insurance claims are for illness rather than accident and lifetime cover may be riddled with limitations.

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Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance journalist with 17 years’ experience, writing about everything from savings accounts and credit cards to pensions, property and pet insurance.

Ruth started her career at MoneyWeek after graduating with an MA from the University of St Andrews, and she continues to contribute regular articles to our personal finance section. After leaving MoneyWeek she went on to become deputy editor of Moneywise before becoming a freelance journalist.

Ruth writes regularly for national publications including The Sunday Times, The Times, The Mail on Sunday and Good Housekeeping, among many other titles both online and offline.