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London Travel Guide

London Insurances Guide



What is insurance? Insurance is a policy or system to ensure different things before an accident or disaster. Insurance is also any means of guarantee against loss or harm. There are many kinds of insurances designed to protect different things such as people, companies, houses and others; some of them are required by law such as health insurance but, there are also optional insurances such as life insurance.


There are two kinds of insurances, which are.

  • Life insurance

  • General Insurance, this includes home insurance, car insurance and travel insurance.


Insurance in London


Life insurance is one of the most important insurances in the UK as well as in London; it is bought by many people because they want to protect their families in case of an unforeseen event such as death, illness or an accident. There are different companies such as MFS Checkland, The Bedford insurance group and Click4Gap which offer insurance services in London; these companies compete to provide a better service than the others in order to meet different needs.


Insurances you must have by law


  • If one is an employer, one must have ELCI (employers' liability compulsory insurance), this insurance protects employees from accidents and illnesses.


  • If you have a car, another required insurance is car insurance, it protects your car or motor vehicle from accidents.


  • There are required insurances in some professions such as law, accountancy and financial services. They must have professional indemnity insurance, this insurance protects against legal liability for losses suffered by customers.


There are important insurances which are not required by law, for example, home insurance, which is not required by law but, on the other hand, is required by all mortgage companies to finance a home.


Purchasing a home insurance is a good idea, and people from London and from other cities decide to purchase home insurance to protect their homes and their families.


In conclusion, there are many kinds of insurances, some of them required by law and other non-mandatory insurances, but one should really consider purchasing one of these, because there are many benefits which make us feel safe.


Medical Coverage for travelers


Call 112 or 999 for the emergency services (police, fire and ambulance) in London. The National Health Service (NHS) is the main healthcare provider in the UK. NHS treatment is free for UK residents. Travel insurance is still advisable as it offers greater flexibility over where and how you're treated, and can cover expenses not paid for by the NHS.


Hospitals in London


If you come from a country that holds a UK healthcare agreement, you are entitled to free or reduced-cost medical treatment if needed immediately for a condition that started after your arrival in the UK. If you're visiting from Europe, you need to carry a valid EHIC (European Health Insurance Card) in case you need immediate and necessary medical treatment in an NHS hospital. Without this you can be charged for treatment.


Comparing Hospital Benefits


Use www.hospitals.net to compare the quality of care that hospitals deliver. You can see a list of hospitals that includes hospital demographics (location, hospital type) and quality-of-care measures. Looking for hospitals near you online can help you to save time while ensuring you find the hospital that is right for any medical assistance you are seeking. Hospitals.net will do everything that is in their hands to find you the best available Hospitals around the specialty offered.



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