Which insurances should I take out?

Please can I receive any insights & opinions including people in countries which do not have medical insurance (which it doesn't concern).

I need your insight & opinion if you were in this situation or if you work in the insurance field.

Do I in fact pose insurable risks at all any different from the average?

Saga offer contents, liability, travel and accident insurance for over 50s (which I am)
MDF ,, ,, ,, ,, ,, ,, ,, ,, ,, people with bipolar (which I have)
EA ,, ,, ,, ,, ,, ,, ,, ,, ,, people with epilepsy (which I have, rather loosely defined)

Is it all right to take out policies with all companies as long as I don't claim on more than one for any specific issue?

If I can't afford all three sets of premiums which policies should I choose?

I would use "GoCompare" http://www.gocompare.com/about/ and see what they suggest?

You only need one company; anything else would be wasted as you'd have to pay premiums but probably not be able to use the insurance as they would be rank-ordered by the insurance people, not you, and you might get more/less paid back according to which one was primary and the others wouldn't be touched at all.

What is meant by "rank-ordered"?

And what is the impact of declaring conditions? Should I discuss this further with my professionals first? I think that in my case the expression "bipolar" is fairly loose.

Sanelogic, are Saga, MDF, and EA the names of insurance companies you are considering purchasing insurance from? I don't know your system, but it seems like purchasing a general health insurance policy that covers all medical conditions would give you the best bang for your money, instead of purchasing multiple policies for different medical conditions, e.g. one policy for epilepsy, another for bipolar, etc.

I am not sure what contents insurance is. Is that insuring your property? I have auto and home insurance from the same insurance company. I also have a third type of insurance from that company called "umbrella insurance." It insures everything that is not covered by the auto and home, so if people try to sue me for a strange thing, I am covered. It also provides additional coverage on auto and home beyond the standard limits of those policies. It is basically protecting my assets and filling in any coverage gaps. Perhaps there is something similar in the UK that would appeal to you.

If it turns out you don't declare a condition that you have, and the insurance company finds out later, it could invalidate your policy or make you liable for incurred costs. So, be very careful to represent your conditions accurately.

1. In respect of conditions as I have already explained on this forum I am not enquiring about health insurance.
2. Contents = home contents not buildings.
3. Aren't there circumstances when ones health doesn't matter for insurance? Frankly I am very low risk. I would have thought readers would know what I am enquiring about from my explanations. Haven't any of you been there?
4. Thank you for mention of umbrella insurance, sounds like a policy I used to get through work.
5. The names mentioned are effectively insurance agents.

You have to check with each insurance to see whether or not they will cover pre-existing conditions.

No, I didn't know. Your explanation was very difficult to understand for me (my problem, I'm sure), but I tried my best to give help. Where I come from, when someone says they want coverage for epilepsy and bipolar, that is called health insurance. I guess our systems are just very different. I'm still confused--if you're not looking for health insurance, what kind of insurance are you looking for? You mention travel and "contents" insurance, but that just doesn't seem to fit. Why would that be related to your health conditions? Are you thinking the rates for travel and contents insurance would be different if you have bipolar or epilepsy? Never heard of that. In my experience, you just purchase travel and property insurance and are never asked about your health. Same deal for auto insurance.Good to get more explanation of what you were talking about. Do you think these insurance agents would know the answers to some of these questions?