Itau Unibanco review

The range is short and personal: home and life. That is the home and life lines only, with no auto, travel, health or pet cover listed under this brand. Households wanting more than those lines place them elsewhere.

It is an insurer, which means the company underwrites the policy itself rather than passing it to another carrier. The premium, the wording and the claim all sit with the same name, so a disagreement goes to a single company. A broker or a comparison site would spread that across several underwriters.

The contract is with Itau Unibanco S.A., the named insurer behind the brand. That name on the wording shows which legal entity holds the risk, which matters for any claim and for tracing the company's status. The brand and the legal entity are the same company here.

It is headquartered in Brazil and dates from 2008, so it is a single market business rather than a group spread across several. Buyers who need a provider registered in their own market should check that point against the wording before they sign.

Home premiums across the comparison listings sit at a median of €8.50, and the middle of the market runs €3.90 to €47.13. Home is the most common line, so a quote from Itau Unibanco can be weighed against a wide field.

Not from this brand, whose range stops at home and life. EuroAsia Insurance lists auto, home and travel, and Hiscox UK lists home, renters and landlord, so a household that wants the extras would place them with a different provider rather than bundling them under a single name.

It fits people who want home and life cover from a single insurer rather than shopping each line separately, and customers comfortable dealing directly with Itau Unibanco S.A. over the wording and the claim. It suits less well anyone needing health, pet, auto or travel cover, since home and life does not reach those lines.