Personal Insurance UK
Independent guides to insurance for individuals — life, pet and travel insurance, gadget and mobile phone cover, jewellery and watch insurance, and protection for weddings and legal disputes.
Protecting What Matters to You, Personally
The Personal Insurance Division covers the everyday and the valuable — from life and pet insurance to the gadgets, jewellery and one-off events that matter to you individually. Whatever you're looking to protect, you'll find dedicated departments and practical guidance in one place.
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Explore Personal Insurance Departments
Choose a specialist department below to explore in-depth guides and practical resources.
Life Insurance
Financial protection for your family or dependants if you die during the policy term.
Pet Insurance
Cover towards veterinary treatment costs for dogs, cats and other pets.
Travel Insurance
Cover for medical emergencies, cancellations and lost luggage while travelling.
Wedding Insurance
Cover against cancellation, supplier failure and other wedding-day risks.
Mobile Phone Insurance
Cover for loss, theft and accidental damage to your mobile phone.
Gadget Insurance
Combined cover for laptops, tablets and other everyday electronics.
Bicycle Insurance
Cover for theft, damage and liability while cycling.
Jewellery Insurance
Specialist cover for rings, watches and jewellery above standard home policy limits.
Watch Insurance
Dedicated cover for luxury and collectible watches.
Camera Insurance
Cover for camera bodies, lenses and photography equipment.
Musical Instrument Insurance
Cover for instruments against damage, loss and theft, at home or on the move.
Legal Expenses Insurance
Cover towards the cost of legal advice and representation for certain disputes.
Identity Theft Protection
Cover and support if your identity is stolen and used fraudulently.
Personal Insurance FAQs
Does home insurance already cover gadgets and jewellery?
Standard home contents insurance often includes some cover for personal items, but usually with a single-item value limit that high-value gadgets, jewellery or watches can exceed. Specialist personal insurance can cover these items at their full value and away from home.
Is pet insurance worth it in the UK?
This depends on your circumstances and risk tolerance. Veterinary treatment for serious illness or injury can be expensive, and pet insurance spreads that cost as a regular premium rather than a large one-off bill — but it's a personal financial decision based on the animal, breed and your own savings buffer.
Do I need travel insurance if I have an EHIC or GHIC card?
A GHIC (Global Health Insurance Card) can give access to state-provided healthcare in the EU on the same terms as a resident, but it doesn't cover everything travel insurance does, such as repatriation, lost luggage, cancellation or private treatment. It's generally not a substitute for travel insurance.
What is legal expenses insurance?
Legal expenses insurance covers the cost of legal advice and representation for certain types of dispute, such as employment issues or contract disagreements, up to the policy limit — it does not cover the cost of any damages you might be ordered to pay.
Related Insurance Divisions
Continue exploring other specialist insurance divisions available on PrimeInsuranceUK.
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