General frequently asked questions

1. It's easy enough to insure your car or house. What about the more unlikely things in life like unusual pets, musician's fingers etc. Where do you go for those kinds of cover?
Most of these policies are sold by specialist insurance brokers. Often a broker can either arrange the cover you need or put you in touch with someone who can. Often it's simply a question of asking! But remember, if the policy you want is very unusual and needs individual underwriting or special policy wordings they may prove expensive. But it's worth it if your Show Champion Dog needs cover or you're a famous pianist and want to insure your piano playing hands.

2. I have seen several advertisements offering a " free legal advice helpline" What exactly does this mean?
It is possible to buy a policy that pays the cost of legal expenses if you need to take legal action or defend yourself against someone else suing you. In some cases the policy includes a dedicated help line where a legal expert can give you instant advice. There are also some home and motor insurance policies that offer a similar service either as a free, extra service or as an option you can buy if you wish.