The Ultimate Millennial Insurance Checklist 

The Ultimate Millennial Insurance Checklist 

Millennials let’s be real, insurance isn’t always top of mind until something unexpected happens. We’re a generation raised on instant gratification, and the whole “pay now, maybe get something back later” mentality of traditional insurance can feel a bit outdated. With all the responsibilities we juggle – like student loans, rent hikes, and the daily grind – adding another monthly bill can feel overwhelming. Plus, social media doesn’t help with all those horror stories about claim denials and endless paperwork. 

But here’s the reality: when that “maybe” turns into a definite “Oh no, my phone/car/apartment just got [insert disaster here],” having the right insurance can be a lifesaver or at least a financial game-changer. We tend to undervalue insurance until a personal loss is experienced. Maybe it’s because we haven’t witnessed the devastating financial impact of a major accident or theft firsthand.  

It’s time to break down the barriers and hesitations we have with insurance. Insurance isn’t the enemy. It’s there to protect you from major financial blows when unexpected things happen. Think of it as a safety net – a financial cushion that catches you when life throws you a curveball. 

At Indwe, we get it. We know where you’re coming from, and we’re all about breaking down those barriers with clear, straightforward information. We want to help you understand the ins and outs of insurance so you can make choices that really work for you. 

Here’s a comprehensive checklist that will help you level up your adulting and protect you from life’s little (and not-so-little) curveballs: 

House Content Insurance
  1. House Content 

Whether you’re a renter or a homeowner, protecting your space and belongings is non-negotiable. Renters or home insurance covers your personal property in case of fire, theft, or water damage. This coverage ensures that your valuables are safe even when the unexpected happens. 

  1. Vehicle Insurance 

Owning a car comes with its own set of risks. Vehicle insurance includes liability, collision, and comprehensive cover, protecting you in various situations, from accidents to theft. Liability coverage protects you if you’re responsible for an accident, while collision cover handles repairs or replacement if your car is damaged. Comprehensive insurance also covers non-collision-related incidents like theft, vandalism, or natural disasters. 

Vehicle Insurance
Pet Insurance 
  1. Pet Insurance 

Pets are part of the family, and their health and well-being matter. Pet insurance protects your furry friends against accidents and illnesses, ensuring they receive the best possible care without financial strain. Veterinary costs can be high, but with insurance, you can provide them with necessary treatments and surgeries.

  1. Electronic Equipment Insurance 

In today’s digital age, electronic devices are essential. Electronic equipment insurance covers damage, theft, or loss of your gadgets, ensuring you remain connected. Whether it’s your smartphone, laptop, or tablet, having insurance means you can quickly replace or repair your devices without financial stress. 

Electronic Equipment Insurance
Travel Insurance 
  1. Travel Insurance 

Exploring the world is exciting, but it comes with risks. Travel insurance protects you against financial losses and risks while you’re away from home. From trip cancellations to medical emergencies abroad, travel insurance ensures you can handle unexpected situations without derailing your travel plans. 

  1. Disability Cover 

Disability cover is critical, especially for young professionals. It pays a lump sum if you are ill or injured and cannot work again due to a permanent disability. This ensures you have financial security and can maintain your quality of life, even if you are unable to continue your career.

Disability Cover 
Life Insurance 
  1. Life Insurance 

Life insurance is crucial, particularly if you have dependants. Through our partner, Indwe BlueStar an authorised Financial Services Provider in life insurance (FSP 6832), we provide financial support to your loved ones in case of your untimely death, ensuring they are not left struggling financially. It’s about peace of mind, knowing that your family will be taken care of no matter what. 

  1. Indwe BluPixl 

Want to find the right cover at a click of button? With Indwe BluPixl, you can. By combining insurance expertise and smart tech, we help you find the right cover that fits your lifestyle and budget. Our user-friendly app enables you to conveniently find and choose insurance solutions that work for you. From finding quotes and getting advice to managing your policy and submitting a claim, BluPixl is everything you need, all in one place.

Indwe BluPixl 

Insurance plays a vital role in shaping your journey towards financial independence and peace of mind. To speak to our brokers for their expert guidance, contact Indwe on 0860 13 13 14 or email us at

Indwe is an authorised Financial Services Provider FSP 3425 

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