Some insurance products can be hard to find. Even when you come across the specialist insurance provider selling the cover you need, it's difficult to know who to trust because they tend to be smaller companies you've never heard of before. Our specialist insurance comparison tool gets you to the right specialist insurer with the peace of mind that we've vetted each one so you know you can trust them.
use our short online form to find the insurer who specialises in protecting your valueable item - from computers to mobile phones and bicycles to digital cameras
We hunt for and vet the specialist insurance providers so you know you can trust them. We compare specialist insurers such as:
Many of the possessions covered by specialist insurance companies can also fall under more main mainstream policies - such as contents insurance. So what's the benefit of taking out a specialist policy?
Essentially, a specialist insurance policy has two main advantages. The first advantage, is that a specialist policy is more likely to provide you with much more extensive cover than you would get by bolting on cover to another policy. This is because the providers know your item and how you use it much better than a big general insurer.
The other advantage of a specialist insurance policy is that the risk and affects of a claim (increaed premiums the following year) are isolated to just that policy. If you were to make a claim for a mobile phone on your contents insurance policy, your no claims bonus and future premiums have an effect on the cover for all of your possessions, not just the risky or most valuable ones.
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All insurance purchases revolve around the same principle - not all policies are the same. So it's all about what you get for your money. Specialist insurance policies are exactly the same
You'll be surprised at the extent of cover a specialist insurance policy can provide - but don't take it for granted. You should still check the policy small print for exclusions.
You'll also find that a specialist or niche insurance product is likely to come with a relatively small premium and competitors may only be separated by a few pennies per month. If this is the case, consider the quality of the customer service and knowledge shown by the insurer and the reputation of the underwriter who will actual provide your specialist policy.