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Weigh up the ‘what ifs’ in your world – car, pet and home insurance

Those ‘what if…’ moments can strike at any time.

What if red wine gets spilled on the carpet? What if the car is stolen? What if the cat gets sick? What if there’s a break in? What if we can’t afford the vet’s bill? What if somebody hits the car? Insurance is all about having these ‘what if’ moments covered.

So, be you a born worrier or an eternal optimist, the peace of mind you get from insuring what you value can be priceless.

What’s the big deal with insurance?

General insurance protects the things you love - your home, your possessions, your car and your pets - should something go wrong that could put a dent in your finances.

Look at it this way; if your valuables got broken or stolen, could you afford to repair or replace them? And if your pet needed urgent treatment, could you find the money upfront?

There’s no denying you might be lucky and nothing bad ever happens, but what if it does? With insurance you don’t have to be out of pocket and help could be on hand to help get the situation sorted.

£290*

is the average annual home insurance premium

£720°

is the average pet insurance claim

£2,839**

is the average car insurance cost

Types of insurance we offer

We offer straightforward and affordable home, car and pet insurance to protect the things you love.

  • Create a policy just right for you and your home
  • Pay to protect what you want to and no more
  • Choice of extra cover options
  • Get a quote in minutes

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers.

Find out more

  • Protection if your vehicle is vandalised, damaged, stolen or destroyed in a fire
  • Up to £100 per person, with a maximum of £500 per incident, for emergency transport or overnight accommodation
  • Up to £200 cover per person for medical expenses
  • Up to £150 cover for the contents of your vehicle
  • A range of optional extras to suit your needs

The benefits of SunLife Car Insurance that are featured here are all included with fully comprehensive cover. Third party, fire and theft and third party only cover is also available with reduced benefits. Further policy information is available when you get a quote from us.

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers.

Find out more

  • Affordable protection just for cats and dogs
  • Only pay for the cover you want
  • Easy claims process
  • Free counselling and support

SunLife Pet Insurance is arranged and administered by BDML Connect Limited.

The smallest print

* Association of British Insurers - The average cost was £2,520 compared to the current average combined buildings and contents annual premium of £290. ABI article published 26 January 2016 for the most common insurance claims made during 2013 and 2014.

°Association of British Insurers - Average pet insurance claim £720. ABI article published 29 March 2016 for pet insurance claims in 2015.

**Association of British Insurers - Average car insurance cost £2,839. ABI article published 15 September 2017 for car insurance claims in the second quarter of 2017.

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). 

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan, Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

The life insurance policy that pays for your funeral will be provided by Phoenix Life Limited, trading as SunLife.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.