Welcome to BestQuote the premier online insurance centre, they can help you get the cheapest insurance from the leading uk insurers. You can obtain an instant quotation and purchase online and in some cases print your own policies.

You can compare your needs with their panel of insurers and under writers to ensure you get the bestquote and since they are dealing with them on a daily basis, BestQuote know you will be quoted the most competitive rates available in the United Kingdom.

The BestQuote site enables you to take full advantage of the internet and information technology to find the most competitive quote. Premiums can vary widely from company to company that is why they have a panel of insurers in each of their sections. Online quotation systems cut down on valuable manpower which translates into money saved by you. It’s your choice!

BestQuote - Pet Health Insurance

Now you can enjoy the peace of mind that comes from knowing your Pets are covered with their own quality health insurance plan.
The insurance provides a host of valuable benefits with extremely competitive rates, with cover starting at around £1 per week.

INSURANCE DEFINITIONS

ABI
Association of British Insurers
Acceptance letter
An offer of life assurance, setting out the terms.
Access To Medical Records Act 1988
The terms of this Act require an insurance company to obtain prior written consent from an individual before approaching any medical practitioner for a medical report pertaining to them. The individual has certain other rights including the right (subject to some restrictions) to see any report before it is submitted by the doctor.
Accidental Death Benefit
A provision that may be added to a life insurance policy which provides payment of an additional benefit in the case of death resulting from an accident.
Accidental Death and Dismemberment Loss of life or limbs through accident.
Insurance against such eventualities is generally available.
Act of God
An accident or event which happens independently of human intervention and due to natural causes such as storm earthquake etc. which no human foresight can provide against. Suggesting that an event was an "act of God" may be a defence in English law against a claim for liability since it may be held that it could not have been foreseen or safeguarded against.
Actively at Work
A clause in a group insurance policy that requires a new member or one with an increase in cover, to be at work (or on holiday i.e. not absent due to sickness, industrial action, etc.) on the day of joining/day of increase.
Activities of Daily
Living Everyday living functions and activities performed by individuals without assistance. These functions include mobility, dressing, personal hygiene and eating. The inability to undertake these activities may be used in some circumstances to define disability in insurance contracts.
Actuary
A professional trained in the technical aspects of insurance and its related fields, particularly in the mathematics of insurance, for example, the calculation of premiums and reserves. An actuary will use complex mathematical methods, often with the aid of computers, to provide analysis of claims data and other statistics. In certain circumstances insurance companies, pension schemes etc. are required to have documents, calculations etc. certified by an actuary. In this and other legal contexts the word means a qualified Fellow of the Institute or Faculty of Actuaries.
ADD
Accidental Death and Dismemberment
ADLs
Activities of daily living.
Advance Payment
Pay beforehand; up front.
Advance Underwriting
Describes a system used for underwriting members of some group schemes. Once an underwritten member is accepted for insurance at 'ordinary rates', they may increase their cover by a predetermined percentage in any year without the need for further underwriting.
Agent
Someone who acts on behalf of another. Traditionally, insurance company salesmen have often been called agents. This has led to a certain amount of confusion since in some situations they are acting on behalf of the client and at other times they are acting on behalf of the insurance company: the distinction is not always clear.
All Risks
Extension of the cover provided by household insurance to damage, theft if outside the home, etc. in respect of individual high value items.
AMRA
Access To Medical Records Act 1988.
Annuitant
The person entitled to receive payments from an annuity contract.
Annuity
A series of payments, possibly subject to increases, made at specified intervals until a particular event occurs. Most commonly an annuity will cease after a specified period or upon the death of the annuitant. An annuity is most commonly purchased by the accrued value of a pension fund, in order to secure pension benefits in retirement.
Annuity Certain
A contract that provides payments for a specified number of years, regardless of life or death of the annuitant
Arbitration
A means of arriving at an acceptable agreement between two disputing parties. An independent person or body hears the arguments of both parties and makes a decision that is then binding on all concerned. Often conducted by members of the Institute of Arbitrators.
Association of British Insurers
An association representing some 450 insurance companies which account for over 95% of the business transacted by UK insurance companies. Is the forum through which UK insurance companies collectively liaise with Government Departments and other bodies. Brings insurance companies together to set industry standards and codes of practice.
Aviation Hazard
The extra hazard of death or injury resulting from participation in aeronautics, usually as other than a fare-paying passenger in licensed aircraft. For insurance, this often requires an extra premium or the exclusion of certain risks.

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