Insurances And What They Do

The major types

As a customer, its is often hard to find the right insurance for purpose. It isn't always clear what insurance you need and can be confusing if you aren't trained in the inner workings of the insurance world. There are a small group of major direct insurance types that need to be explained in order to understand the insurance world fully:

Direct auto insurance or direct car insurance
Direct home insurance
Direct life insurance
Direct pet insurance
Direct travel insurance
Direct business insurance

The major types explained

Direct home insurance covers the building, contents of your home, or both. It can be chosen and customised to the customers particular requirements for their home and contents. Direct home insurance will take care of all eventualities and will give peace of mind for customers wanting their home and contents to be safe at all times. If something was to happen to the home of someone with insurance, they will be able to get back to normal life as quickly as possible without the stress and hassle of searching for the money they need.

Direct life insurance provides financial support to your family if you were to die. This may seem like a morbid type of insurance to take out, but it could well be the most important insurance you ever have. If you are the main provider of income for your family, the financial loss on the potential event of your death would be huge. Other family members would have to drastically change their lifestyle in order to continue living to the same standards that they were prior to your death. Life insurance will provide financial support in difficult times and will allow your family time to recover from their loss without worrying about financial issues.

Direct auto insurance will cover you and your car in the eventuality of an accident or scrape in your car. Car insurance companies generally provide no claims discounts that in some cases can save you as much as 90% on your original quote. Replacement courtesy cars can be provided and some even provide free collection of the damaged car.

Direct pet insurance covers pets in the case of illness or injury. Pet health costs can be surprisingly high and charges for surgery can be in the thousands. Pet insurances can cover your pet for all eventualities and depending on the cover chosen, they can continue to pay out for ongoing illnesses like arthritis for many years after diagnosis. This will give you the peace of mind that your pet is in safe hands for the duration of their life.

Direct travel insurance covers at home or abroad for financial issues that occur on holiday or while travelling.

Direct business insurance can cover your business in the case of natural or accidental injuries and accidents, covering against the financial setbacks that may occur as a result.