Where To Buy Affordable Ethical Insurance
Some insurance is a legal necessity: buildings insurance, car insurance etc.
Small items like mobile phones and laptops may even be included with insurance, on credit card legislation. And many times, landlords cover things like building insurance. Always read the terms!
Pet insurance is a good idea, due to the huge cost of vet fees (most people don’t qualify for free or discounted vet care). If your old pet (or one with previous medical conditions) cannot get pet insurance, then save up in a rainy day account, in case of emergencies or illness.
Naturesave (Devon) offers eco-friendly insurance, using profits to fund its Naturesave Trust, which funds rewilding and nature-based projects to help the planet and wildlife. For each policy, they plant a tree, and so far have given over £1 million to nature-based projects.
Around for 30 years, there are a wide range of policies:
- Travel
- Motor (and car fleets)
- Home
- Business
- Health Food Shops
- Cancellation
- Legal Expenses
- Liability
- Professional Indemnity
- Marine Cargo
- Sustainable Restaurants
- Solar and Community Energy
- Social Enterprises & Charities
One Tree Travel (go on holiday, plant a tree!)
Provence, Amber Davenport
If you’re planning a holiday abroad, of course it’s always good to get travel insurance. But how do you choose from the minefield of offers available.
Most policies cancel baggage and cancellation, but price comparison sites are time-consuming (and you don’t save money, as the companies have to pay to list on them, so you are comparing several over-priced companies).
Most travel insurance companies need you to declare pre-existing medical conditions. Not doing so can invalidate your policy.
The UK’s Global Health Insurance Card entitles you to free emergency/maternity healthcare in most European countries, but you have to apply through the NHS before travel. This replaces the old version when England was part of the EU.
One Tree Travel is a travel insurance company that offers a specialist policy for travellers that contributes to reforestation worldwide, by planting a tree for each policy sold through Ecologi.
You can choose from annual or multi-trip cover, plus there’s a policy for travellers with pre-existing medical conditions (exclusions apply).
This travel insurance covers:
- Cancellation and curtailment
- Emergency medical and repatriation
- Missed departure
- Baggage and personal belongings
Policy excess starts from as little as £50
So far the company has planted over 2300 trees worldwide, to help reduce climate change and give homes to birds and wildlife.
Based in Cambridgeshire, this company has been founded by experts with over 20 years experience in the travel insurance industry.
ETA (Environmental Transport Association) offers single-trip European breakdown cover, ideal if you are driving (or cycling) to the mainland continent. Includes English-speaking helplines, roadside assistance and recovery, overnight accommodation and repatriation (if your vehicle can’t be fixed).
