Insurance is a complex subject.

Not everything you may be familiar with in your Home Country may be quite the same in another. You should not therefore assume that the cover is the same as you would expect to have ‘back home’, wherever that may be.

Different cultures, attitudes and legislation can have an effect and you should be aware of the differences or seek advice accordingly.

To be sure of what you are getting, and to be satisfied that it really meets your own personal requirements, without duplication or over-insurance, you should always consult an independent financial adviser (insurance broker).

The adviser can then consider your present and future circumstances as well as any existing insurance cover, and must also be familiar with local legislation relating to various types of insurance.