The Complete UK Insurance Guide 2025

Everything you need to know about insurance in the UK. Compare types, understand coverage, avoid common mistakes, and save thousands on your premiums.

UK Households Save £920 Average Per Year by Comparing Insurance

Source: FCA Consumer Research 2024

UK Insurance by the Numbers

£47B
Total UK insurance premiums annually
73%
Don't compare before renewing
£920
Average annual savings from comparing

Types of Insurance in the UK

Life Insurance

Protect your family's financial future with term or whole life insurance

Save up to £300/year
Term life insurance from £10/month
Whole life insurance with investment
Critical illness cover options
Income protection insurance

Home Insurance

Buildings and contents insurance to protect your property

Save up to £200/year
Buildings insurance from £8/month
Contents insurance coverage
Combined home insurance policies
Accidental damage protection

Car Insurance

Comprehensive, third party or third party fire & theft cover

Save up to £400/year
Comprehensive cover from £25/month
Third party insurance options
Young driver specialist policies
Multi-car insurance discounts

4 Costly Insurance Mistakes UK Consumers Make

1

Auto-renewing without comparing

Costs £180/year average

Solution: Compare quotes 3-4 weeks before renewal

2

Choosing cheapest without reading terms

Can cost £1000s in claims

Solution: Compare coverage levels, not just price

3

Not updating details annually

Could invalidate your policy

Solution: Review and update details every year

4

Paying monthly instead of annually

Costs 10-20% more per year

Solution: Pay annually if possible for discounts

How to Compare Insurance Properly

1

Gather Your Information

Collect details about what you need to insure and your circumstances

2

Compare Like for Like

Ensure you're comparing the same coverage levels and excess amounts

3

Read the Fine Print

Check exclusions, limits, and claims procedures before deciding

Start Saving on Your Insurance Today

Use our specialist insurance comparison tools to find better deals across all types of coverage.