Our product ratings for Select & Protect

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Home emergency cover

1 product reviewed

Boiler Breakdown Cover

1 product reviewed

Home Emergency (Home Insurance)

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Home Emergency (Home Insurance)

Feature	Value
Minimum excess	£0.00
Premium (minimum excess applied)	N/A
No claims period (Boiler)	0.00
Boiler repair cover limit	£1,000.00
No claims period	0.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.	£0.00
Getting access and reinstatement	£0.00
Type of pricing	Over the phone pricing
Maximum excess	£0.00
Premium (maximum excess applied)	N/A
Underwriter	Financial & Legal Insurance Company Limited
Unoccupied period	30
Individual call out cover limit for boiler repairs	£1,000.00
Time limit	N/A
Temporary emergency heating	£0.00
Boiler age exclusions	No exclusion
No claims period for boiler replacement	0.00
Boiler replacement (BER) within 0-4 years cover limit	£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.	£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.	£0.00
Boiler replacement (BER) within 8-10 years cover limit	£0.00
Boiler replacement (BER) 11-15 years cover limit	£3.00
Primary flue	Yes
Boiler controls	Yes
Alternative accommodation cover	£250.00
Internal gas supply pipe cover	Yes
Annual boiler service	No
Repairs guarantee	Not Mentioned
24/7 claims helpline	Yes
Primary heating system	Yes
Date of price collection	2025-09-11
Plumbing & drainage cover	Yes
Electrical breakdown	Yes
Pest	Yes
Security	Yes

Home insurance (building and contents)

1 product reviewed

Home Legal Cover

1 product reviewed

Family Legal Protection

Select & Protect

Family Legal Protection

Feature	Value
Limit of indemnity per claim	£50,000.00
Employment - employee	Yes
Property damage	Yes
Contract disputes - pursue	Yes
Property disputes	Yes
Standard advisors cost	N/A
Employment - excess	£0.00
Contract disputes - defend	Yes
Data protection	Yes
Jury service - maximum indemnity limit	£50,000.00

Pet insurance

6 products reviewed

Cat insurance

3 products reviewed

Lifetime £5,000
Lifetime £7,500
Lifetime £3,500

Select & Protect

Lifetime £5,000

Feature	Value
Medical excess	£140.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Select & Protect

Lifetime £7,500

Feature	Value
Medical excess	£140.00
Type of cover	Lifetime, condition-based
Medical cover limit	£7,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,500.00
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Select & Protect

Lifetime £3,500

Feature	Value
Medical excess	£140.00
Type of cover	Lifetime, condition-based
Medical cover limit	£3,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,500.00
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Dog insurance

3 products reviewed

Lifetime £5,000
Lifetime £7,500
Lifetime £3,500

Select & Protect

Lifetime £5,000

Feature	Value
Medical excess	£140.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Select & Protect

Lifetime £7,500

Feature	Value
Medical excess	£140.00
Type of cover	Lifetime, condition-based
Medical cover limit	£7,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,500.00
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Select & Protect

Lifetime £3,500

Feature	Value
Medical excess	£140.00
Type of cover	Lifetime, condition-based
Medical cover limit	£3,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,500.00
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Travel insurance

15 products reviewed

Annual multi-trip insurance

3 products reviewed

Gold
Silver
Bronze

Select & Protect

Gold

Feature	Value
Medical excess	£50.00
Cancelling before travel cover limit	£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£3,000.00
Emergency medical cover and repatriation cover limit	£10,000,000.00
Missed departure cover limit	£1,000.00
Natural disaster relocation cover	Yes

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Silver

Feature	Value
Medical excess	£75.00
Cancelling before travel cover limit	£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£2,000.00
Emergency medical cover and repatriation cover limit	£7,500,000.00
Missed departure cover limit	£750.00
Natural disaster relocation cover	Yes

Select & Protect

Bronze

Feature	Value
Medical excess	£99.00
Cancelling before travel cover limit	£1,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£1,500.00
Emergency medical cover and repatriation cover limit	£5,000,000.00
Missed departure cover limit	£500.00
Natural disaster relocation cover	Yes

Single trip insurance

3 products reviewed

Gold
Silver
Bronze

Select & Protect

Gold

Feature	Value
Cancelling before travel cover limit	£5,000.00
Medical excess	£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£3,000.00
Emergency medical cover and repatriation cover limit	£10,000,000.00
Missed departure cover limit	£1,000.00
Natural disaster relocation cover	Yes

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Silver

Feature	Value
Cancelling before travel cover limit	£3,000.00
Medical excess	£75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£2,000.00
Emergency medical cover and repatriation cover limit	£7,500,000.00
Missed departure cover limit	£750.00
Natural disaster relocation cover	Yes

Select & Protect

Bronze

Feature	Value
Cancelling before travel cover limit	£1,000.00
Medical excess	£99.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£1,500.00
Emergency medical cover and repatriation cover limit	£5,000,000.00
Missed departure cover limit	£500.00
Natural disaster relocation cover	Yes

Travel insurance add-on: cruise cover

3 products reviewed

Silver
Gold
Bronze

Select & Protect

Silver

Feature	Value
Missed port departure cover limit	£0.00
Re-joining a cruise cover limit	£0.00
Cabin confinement cover limit	£1,000.00
Missed port departure excess	N/A
Timetable/itinerary change cover limit	£500.00
Unused excursions cover limit	£500.00

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Gold

Feature	Value
Missed port departure cover limit	£0.00
Re-joining a cruise cover limit	£0.00
Cabin confinement cover limit	£1,000.00
Missed port departure excess	N/A
Timetable/itinerary change cover limit	£500.00
Unused excursions cover limit	£500.00

Select & Protect

Bronze

Feature	Value
Missed port departure cover limit	£0.00
Re-joining a cruise cover limit	£0.00
Cabin confinement cover limit	£1,000.00
Missed port departure excess	N/A
Timetable/itinerary change cover limit	£500.00
Unused excursions cover limit	£500.00

Travel insurance add-on: gadget cover

3 products reviewed

Gadget Cover Extension (Gold)
Gadget Cover Extension (Silver)
Gadget Cover Extension (Bronze)

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Gadget Cover Extension (Gold)

Feature	Value
Available for which products?	Gold
Accidental loss cover	Yes
Accidental loss cover limit	£3,000.00
Maximum single-item cover limit	£3,000.00

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Gadget Cover Extension (Silver)

Feature	Value
Available for which products?	Silver
Accidental loss cover	Yes
Accidental loss cover limit	£2,000.00
Maximum single-item cover limit	£2,000.00

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Gadget Cover Extension (Bronze)

Feature	Value
Available for which products?	Bronze
Accidental loss cover	Yes
Accidental loss cover limit	£1,000.00
Maximum single-item cover limit	£1,000.00

Travel insurance add-on: winter sports

3 products reviewed

Silver
Gold
Bronze

Select & Protect

Silver

Feature	Value
Ski equipment owned cover limit	£1,000.00
Single owned item cover limit	£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£500.00
Ski equipment hired	£400.00
Piste closure cover limit	£500.00
Unused ski pass due to illness or injury	£500.00

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Gold

Feature	Value
Ski equipment owned cover limit	£1,000.00
Single owned item cover limit	£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£500.00
Ski equipment hired	£400.00
Piste closure cover limit	£500.00
Unused ski pass due to illness or injury	£500.00

Select & Protect

Bronze

Feature	Value
Ski equipment owned cover limit	£1,000.00
Single owned item cover limit	£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£500.00
Ski equipment hired	£400.00
Piste closure cover limit	£500.00
Unused ski pass due to illness or injury	£500.00

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Our product ratings for Select & Protect

Home emergency cover

Boiler Breakdown Cover

Select & Protect

Home Emergency (Home Insurance)

Home insurance (building and contents)

Home Legal Cover

Select & Protect

Family Legal Protection

Pet insurance

Cat insurance

Select & Protect

Lifetime £5,000

Select & Protect

Lifetime £7,500

Select & Protect

Lifetime £3,500

Dog insurance

Select & Protect

Lifetime £5,000

Select & Protect

Lifetime £7,500

Select & Protect

Lifetime £3,500

Travel insurance

Annual multi-trip insurance

Select & Protect

Gold

Select & Protect

Silver

Select & Protect

Bronze

Single trip insurance

Select & Protect

Gold

Select & Protect

Silver

Select & Protect

Bronze

Travel insurance add-on: cruise cover

Select & Protect

Silver

Select & Protect

Gold

Select & Protect

Bronze

Travel insurance add-on: gadget cover

Select & Protect

Gadget Cover Extension (Gold)

Select & Protect

Gadget Cover Extension (Silver)

Select & Protect

Gadget Cover Extension (Bronze)

Travel insurance add-on: winter sports

Select & Protect

Silver

Select & Protect

Gold

Select & Protect

Bronze