Few policies matter – many others you can do without.
✦
Only what's needed
Almost essential
Private liability
Key protectioncheap, big effect
With parentsoften covered in first education
Otherwiseyour own policy needed
Sensible
Contents & health insurance
Contentswith your own home
Health insurancechoose a high deductible
Alternative modellower the premium
Early & cheap
Loss of earnings
Loss of earningsprotects your income
Take out youngespecially cheap
No 2nd pillar yetthe gap is large
Usually needless
Steer clear of…
Mixed lifecostly and inflexible
Phone & warrantyrarely worth it
Separatesaving and insuring
Good to know
Are you rightly insured?
💡 First step: Young people need only a few, but the right insurances – private liability first, then targeted contents, health and income protection. The rest you can often skip.