Find out everything you need to know about covering your home and contents.Insure Your Home
Did you know that there are 5 insurance policies on average for every person: car, health, home, life and mortgage insurance? With this being the case, insurance is impossible to ignore; it’s part of our everyday lives! Selectra is committed to helping you compare the offers of loads of different insurance providers.
The insurance market in the UK is becoming increasingly competitive with new players emerging every year. Today, the age-old big insurance companies (LV Insurance, AXA, Aviva etc) are not the only ones offering insurance policies. New, smaller companies are heightening the competition, forcing the established insurers to adapt their policies to stay competitive. This means that you have several choices when it comes to buying insurance.
An insurance policy provides you with financial assistance when you experience damage or loss that is covered in your contract. For example, car insurance might let you claim compensation if your car is vandalised while parked outside your home, and unpaid rent guarantee included in landlord insurance could ensure you are compensated if your tenant stops paying rent.
In exchange for a monthly or annual fee, your insurance company agrees to indemnify you or cover your expenses in the first place.
In order to be covered by insurance, the damage to the insured object (e.g. your house or car) must be unintentional, unexpected and provided for in the conditions of your insurance contract.
In some cases, such as for car insurance, insurance is mandatory. In other cases, it is not compulsory but allows you to be reimbursed for things like your health costs (with health insurance) or damage to your home (with home insurance). In any case, insurance is always highly recommended!
With new players constantly joining the UK insurance market, finding cheaper insurance is a breeze. Here are some top tips on how to find an insurance policy at a good price without sacrificing quality:
Home insurance is essential! Whether you are a homeowner, landlord or a tenant; whether you want to insure a house, an apartment, a holiday home or even a mobile home; whether your home is furnished or empty, having home insurance is a really good idea. If you are looking to secure a mortgage, you will probably find that home insurance is a required condition.
The most suitable home insurance for you will depend on who you are (homeowner, tenant etc), and what you want to insure (house, holiday home etc.). To find the best home insurance, it is a good idea to compare the offers of different insurance companies. To help in your comparison, consult our various home insurance guides so you know what to look out for in a policy.
Car insurance is mandatory: it is illegal to drive a vehicle on a road or in any public place in the UK without it. If you do so, you could face a fine of £300 and have 6 points deducted from your driving license.
There are several types of car insurance:
There are also more tailored types of car insurance available that are targeted to meet specific needs. For example, Telematics insurance is a type of car insurance that bases the price of your premium on how you drive, ultimately: the better you drive, the less you pay. This can be a good way for Young drivers to get a cheaper premium.
To find the most suitable policy for you and your vehicle, compare the offers of different insurance companies, ask for quotes online and check out our numerous guides on car insurance.
If you are planning a holiday - whether it is in the UK or abroad - travel insurance offers security against anything going wrong: cancelled flights, lost luggage, medical emergency etc.
There are two main types of travel insurance:
There are also policies designed for more specific holidays. For example, winter sports insurance if you are heading to the ski slopes, or cruise insurance if you are going on a cruise. To find a suitable policy for you and your holiday, compare offers from different insurers online and use our helpful travel insurance articles for a bit of guidance.
Insurance companies set their own insurance rates, which means that for a policy with exactly the same guarantees, prices can vary greatly from one provider to the next. This is why it is essential to compare offers!
There are some criteria that directly affect the amount of your insurance premium:
Criteria specific to each type of insurance will also come into play when determining your premium, e.g. the size of a car’s engine for car insurance, the value of your home for house insurance and where you are travelling to for travel insurance.
Selectra was created in 2007 by Aurian de Maupeou and Xavier Pinon. Initially, the aim was to help French customers save on their energy bills following reforms that opened the French gas and electricity markets to competition for the first time in 60 years. Selectra UK opened in 2017 to help customers in the UK sign up to home energy and broadband deals. You can read more about the history of Selectra and our values here
Getting the best deal on household expenses such as energy, internet, TV and insurance isn’t always easy. Clear information can sometimes be difficult to find, comparing offers is often a time-consuming hassle, and just getting through to someone on the phone can be a challenge. Here at Selectra, we help you sign up to energy and broadband deals without hassle.
We strive to provide a one-stop site for people who are interested in signing up to a different energy or broadband provider. We are convinced that looking for a cheaper deal shouldn't be a hassle, and therefore aim to make the process simpler by saving people time and money by offering them customised quotes from our partners. On our website, we aim to provide clear information about energy and broadband products. We work closely with select providers in the UK in order to ensure great service to our users.
Customers can visit the Selectra website and call our Energy and Broadband teams for free. Our service is free to use for customers because we receive commission from our supplier partners for connecting them with new customers. This process does NOT affect the price for the customers. The commission we receive does not influence the recommendations we make on the website. It is of utmost importance to us that our customers have a positive experience and are satisfied with our services.
Selectra doesn't work with all the suppliers on the market. We offer a selection of products from a carefully selected panel of suppliers. We choose the providers we partner with based on a number of criteria including: customer service and value for money.
|Energy Providers||Broadband & Mobile Providers||Home Assistance Providers|
|EDF Energy||Origin Broadband||BeSmart|
|People's Energy||Pop Telecom|
|Bionic||Direct Save Telecom|
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