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What insurance do I need?

Tick everything that describes you. Your list sorts the covers into four levels, starting with what the law requires, and each line links to the guide that explains it.

A woman sorting her insurance papers at her kitchen table
On the road
Home and loans
Work and income
Family and life

What you need

How to read your list

  • Compulsory by law. There is no choice. Driving, employing staff or hunting without the cover is an offence, and joining a health scheme is a legal duty.
  • Usually required. The law does not impose it, but the bank, the school or the consulate you deal with does. You can often choose the insurer yourself.
  • Strongly recommended. It protects you against a loss that would seriously damage your finances, for a price that is small next to that loss.
  • Worth considering. Useful in some situations. Compare the premium with what you could pay out of your own pocket.

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