Which insurance is actually worth it?
Phone insurance, gadget cover, pet insurance, contents... which should you pay for?
The simple version
Insure against things you couldn't afford to replace or pay for yourself. If you could cover it from savings, the insurance often costs more than it pays out.
Your move
Which is usually most worth having?
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Key takeaway
Insure the disasters, not the inconveniences. Check what you're already covered for.
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Last checked September 26, 2026 · Example figures; rules vary by country · General education, not financial advice