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Insurance: the industry with something for everyone

Insurance was pioneered in Scotland as a means of providing help for widows and orphans. Today, it is one of the biggest industries in the UK, with trade associations such as the Association of British Insurers protecting its interests. Insurance offers plenty of benefits for consumers, because without it, we are not protected when life takes a turn for the worse.

Take a look at the top benefits of insurance to suit every aspect of your life whether you are starting a new job or saving for retirement:

Mobile phone insurance: Thanks to groundbreaking smartphones such as BlackBerry, iPhone and Nokia phones, people across the UK cannot stop getting the latest model of mobile phones. This has led to a rise in the number of mobile phone insurance policies that are being sold. The good thing about mobile phone insurance is that you can protect your phone against it being lost or stolen for an affordable premium every month or you can pay it off in full.

Car insurance: Whether you are mad about Mercedes-Benz or you are a Land Rover fan, there is no denying the importance of car insurance. People cannot drive their cars legally without insurance, because car insurance protects you and the drivers around you from any problems that could arise from any accidents or crashes that you are involved in. One top tip to remember when you are looking for car insurance is that the car insurance group that you will be put in depends wholly on what type of car that you have. Supercar marques such as Lamborghini and Ferrari are in more expensive groups than economical cars from companies such as Ford.

Home insurance: The magic of owning your own home through a mortgage or a cash purchase is something that many of us want. Once you have your own home, you should consider getting home insurance or buildings insurance. The reason for this is that when something unexpected happens such as burglary or a flooding of your home, you can be covered under your insurance policy. Another subset of home insurance is landlords insurance which protects you if you decide to go the landlord route and you want to rent out your home for extra income.

Life insurance: All family members with jobs and streams of income should look to life insurance as a policy that is required in this day and age of economic uncertainty. Life insurance is a type of insurance that was pioneered in the US as a way of giving families a pay out in case the breadwinner of the family passes away, as a means to protect them if the key earner in the family passes away. Life insurance is rising in popularity in the UK as more people use it as part of estate planning.

Health insurance: For all people, whether employed or unemployed, health insurance is critical because it will help to pay for any doctor's visits whether they are mild or serious. Be sure to look out for health insurance when you are planning your finances this year. Always look for insurance providers who offer affordable monthly premiums if you are on a tight budget.