Compare UK insurance
for home, car & travel
Provider reviews, policy guides and claim how-tos for every kind of UK cover. Find the right policy, dodge the small-print traps and save money on your next renewal.
3
Insurance verticals
38
Guides & reviews
30+
UK insurers covered
£0
Cost — totally free advice
Between household names, insurers that date back to the Great Fire of London, brokers and disruptive newcomers, working out who actually offers the best policy is hard. Selectra strips it back to what each cover does, who it suits and what the small print really means.
Pick a vertical below — home, travel or car — or jump into our directory of UK insurers. Every guide is plain-English, independent and updated for 2026.
Start here
Four ways into UK insurance
Three core covers plus the full UK insurer directory. Each hub links out to its own provider reviews, policy guides and claim how-tos.
Home insurance
Compare buildings, contents and combined home cover. Understand excess, claim limits and the small print before you switch.
Open the hubTravel insurance
Single-trip, annual or backpacker — find a travel policy that matches your destination, age and any pre-existing condition.
Open the hubCar insurance
How car insurance works in the UK, the no-claims bonus, black-box policies and cheaper cover for young, learner and business drivers.
Open the hubInsurance providers
In-depth reviews of UK insurers — Aviva, AXA, Direct Line, Admiral, LV, John Lewis and more — with policy, price and service breakdowns.
Open the hubEvery guide we publish
Explore all 38 insurance guides
Filter by what you actually need — a home cover topic, a travel destination, a car policy type, a provider review or the latest news.
Home insurance
Cover your home
Compare buildings, contents and combined home cover. Understand excess, claim limits and the small print before you switch.
Read the guide HubTravel insurance
Cover your trip
Single-trip, annual or backpacker — find a travel policy that matches your destination, age and any pre-existing condition.
Read the guide HubCar insurance
Cover your car
How car insurance works in the UK, the no-claims bonus, black-box policies and cheaper cover for young, learner and business drivers.
Read the guide HubInsurance providers
30+ insurers
In-depth reviews of UK insurers — Aviva, AXA, Direct Line, Admiral, LV, John Lewis and more — with policy, price and service breakdowns.
Read the guideContents insurance
Home
What contents cover protects, replacement vs use value, and how to value everything you own.
Read the guideBuildings insurance
Home
Cover for the bricks, roof and fittings of your home — rebuilding cost, not market value.
Read the guideTenants insurance
Home
Protect your own possessions in a rented flat or room, plus tenant liability cover.
Read the guideBuy-to-let insurance
Home
Landlord cover for the building, optional contents and loss of rent if the property cannot be rented out.
Read the guideHoliday home insurance
Home
Extended unoccupancy cover, travel to the property in emergencies, and an option to insure when you rent it out.
Read the guideHome insurance claims
Home
How to claim, what evidence you need and how loss adjusters value damage — step by step.
Read the guideWhat is not covered
Home
The common exclusions — wear and tear, gradual damage, unoccupied periods — that catch policyholders out.
Read the guideSwitching home insurance
Home
When to switch, cancellation fees, mid-term changes and how to avoid being penalised for auto-renewal.
Read the guideSingle trip insurance
Travel
One trip, one policy — usually the best value if you travel once or twice a year.
Read the guideAnnual travel insurance
Travel
Multi-trip cover for a whole year. Cheaper than three single-trip policies — but check trip-duration caps.
Read the guideBackpacker insurance
Travel
Long-stay cover for gap years and round-the-world trips, with options for high-risk activities.
Read the guideFamily travel insurance
Travel
One policy for the whole family — children typically included free or at a discount.
Read the guideSki travel insurance
Travel
Winter sports cover — off-piste, equipment hire, piste closure and emergency mountain rescue.
Read the guideCruise insurance
Travel
Missed port departures, cabin confinement and medical evacuation at sea — what to look for.
Read the guidePre-existing conditions
Travel
How to declare medical conditions and find specialist insurers who will still cover you fairly.
Read the guideGadget cover
Travel
Phone, laptop, camera — when standard baggage limits are not enough and you need specialist gadget cover.
Read the guideTravel insurance vs EHIC
Travel
Why the GHIC card alone is not enough — and what travel insurance covers that it does not.
Read the guideTravel insurance claims
Travel
How to claim for lost luggage, cancellation, medical bills and missed departures — evidence and deadlines.
Read the guideEurope travel cover
Destination
The cheapest zone for travel cover — but still essential beyond the GHIC.
Read the guideUSA travel cover
Destination
High medical costs mean higher policy limits — what counts as adequate cover for a US trip.
Read the guideCanada travel cover
Destination
Skiing, hiking and road trips — making sure activities and equipment are covered.
Read the guideWorldwide travel cover
Destination
Multi-continent cover for long trips, with options that include or exclude the US and Caribbean.
Read the guideAsia travel cover
Destination
From Thailand to Japan — medical, baggage and natural-disaster cover for an Asian trip.
Read the guideCaribbean travel cover
Destination
Hurricane-season cover, cruise add-ons and high-value gadget extensions for the islands.
Read the guideHow car insurance works
Car
Third party, third party fire and theft, fully comprehensive — what each level actually covers.
Read the guideNo claims bonus
Car
How NCBs are built, protected and transferred — and what it costs to keep yours after a claim.
Read the guideYoung driver insurance
Car
Cheaper cover for 17–25-year-olds — telematics, named drivers and Pass Plus discounts.
Read the guideBlack box insurance
Car
How telematics policies track your driving and can cut premiums sharply — or lift them.
Read the guideLearner driver insurance
Car
Short-term cover while you learn, plus how to avoid wrecking a parent or friend's NCB.
Read the guideClassic car insurance
Car
Agreed-value cover for classics — mileage limits, club discounts and what counts as a classic.
Read the guideBusiness car insurance
Car
When SDP cover is not enough — class 1, 2 and 3 business use explained.
Read the guideMarket news
News
Mergers, regulatory shake-ups and the FCA pricing rules reshaping UK insurance.
Read the guideCar insurance news
News
Premium trends, the Ogden discount rate and the latest cost-of-cover analysis.
Read the guideTravel insurance news
News
Airline insolvency, government travel advice changes and the state of post-Brexit travel cover.
Read the guide3 steps
How to compare insurance properly
Comparing on price alone is the fastest way to end up with the wrong cover. Here is the order we recommend for every kind of policy.
Match the cover to your life
Renting a flat? You need contents, not buildings. Going skiing? Standard travel cover will not touch off-piste injuries. Start with what you actually own and do.
Read the exclusions first
Every policy looks great until you hit the exclusions list. Unoccupied homes, pre-existing conditions, alcohol, valuables left in cars — these are the gotchas.
Compare like for like
Same excess. Same single-item claim limit. Same optional extras included. Only then does the price tell you which policy is genuinely cheaper.
UK insurers we review
30+ providers in one place
Every major UK insurer covered — household names and specialists alike. Tap a logo to read the full review and policy breakdown.
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ExploreInsurance FAQ
The Selectra expert answers your questions
We publish guides and provider reviews for the three policies most UK households need: home insurance (buildings, contents and combined), travel insurance (single-trip, annual, backpacker, ski, family and cruise) and car insurance (comprehensive, third-party, telematics and specialist).
Yes. Every guide is written by our editorial team and reviewed before publishing. We list the strengths and weaknesses of each insurer openly — including the ones we do not partner with.
Three things move the needle: shop around at renewal (auto-renewal almost always costs more than a new quote), tweak your excess (a higher voluntary excess cuts the premium), and drop cover you do not need (gadget cover when you have no gadgets, accidental damage when you live alone).
Use both. Comparison sites give you a quick price benchmark across dozens of insurers. Going direct lets you negotiate the small print — excess, claim limits, optional extras — which comparison sites rarely surface. Our provider guides tell you what each insurer is willing to flex on.
For home and car insurance, start shopping 21 to 26 days before renewal — insurers reserve their cheapest quotes for that window. For travel insurance, buy as soon as you book the trip so the cancellation cover kicks in straight away.
No. All our guides and provider reviews are completely free to read. We make no money from the insurer when you click through — we are independent.
Ready to switch?
Pick the cover, skip the small-print traps
Whether you are insuring your home, your car or your next trip, start with the guide that fits — then read the insurer review before you click buy.