Updated September 29, 2026 · AssureCue Editorial Team
Select & Protect vs YourRepair
Where Select & Protect and YourRepair differ
| Compare |  Select & Protect |  YourRepair |
|---|---|---|
| Insurance types | Travel, Pet, Home, Home emergency, Legal expensesCovers more | Home emergency |
| Excess from | £50 | £0Lower |
| Cover limit | Up to £10 million medical expenses - Gold travel policy | Unlimited repair costs |
| Claims channels | Online, Phone, Email | Online portal, Phone |
| Premium from | Not confirmed | £7.52 |
| Provider type | Broker | Not confirmed |
| Age range | Single-trip up to 100 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Select & Protect scores higher overall: 9.0 vs 8.9.
- Excess from is lower at YourRepair: £0 vs £50.
- Insurance types: only Select & Protect offers Travel, Pet, Home.
- Claims channels: only Select & Protect offers Online, Email.
- Claims channels: only YourRepair offers Online portal.
- Support channels: only Select & Protect offers Email, Chat.
Our verdict on each
Select & Protect
Select and Protect suits seniors and households wanting travel, pet, home and emergency cover arranged in a shared place. Travel excess sits at £50 with Monthly payments marked yes, while Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy.
YourRepair
YourRepair suits households wanting dedicated home emergency cover with monthly payments and phone based help alongside portal claims. Premiums start at £7.52 while Unlimited repair costs applies and excess sits at £0 for clear upfront costs each month.
Score breakdown
| Area | Select & Protect | YourRepair |
|---|---|---|
| Cost | 9.0Excess for travel claims sits at £50 with Monthly payments marked yes. | 9.2HigherPremiums start at £7.52 with excess at £0 and monthly payments available. |
| Offer | 9.5HigherPortfolio spans travel, pet and home with Gold medical cover at Up to £10 million medical expenses - Gold travel policy. | 8.4Cover centres on home emergency with Unlimited repair costs and claims via online portal and phone. |
| Trust | 8.8Operates as broker under licence 597211. | Not confirmed |
What each covers
| Insurance types | Select & Protect | YourRepair |
|---|---|---|
| Home | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Home emergency | Yes | Yes |
| Legal expenses | Yes | No |
Which one suits you
Pick Select & Protect if offer and insurance types matter most.
Pick YourRepair if excess from matter most.
Availability and regulation
| Country | Select & Protect | YourRepair |
|---|---|---|
| United Kingdom | Financial Conduct Authority 597211 | Not confirmed |
Available in 1 country for both.
Where these facts come from
Select & Protect
- selectandprotect.co.uk: 12 facts, checked September 29, 2026
YourRepair
- yourrepair.co.uk: 10 facts, checked September 28, 2026
How they place
| Ranking | Select & Protect | YourRepair |
|---|---|---|
| Home emergency cover | 7 of 11 | 9 of 11 |
Every fact side by side
| Fact | Select & Protect | YourRepair |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Hood Group Limited | YourCare Services Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Select & Protect | YourRepair | Median |
|---|---|---|---|
| Premium from | Not confirmed | £7.52below the median | £7.95 |
| Excess from | £50above the median | £0below the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Select & Protect
Pros
- Travel cover notes seniors with age reach at Single-trip up to 100, which suits older travellers.
- Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy, giving generous emergency care headroom abroad.
- Monthly payments is marked yes with pet billing on monthly, helping you spread costs.
Cons
- As broker, policy terms and claims handling sit with partner insurers rather than Select and Protect itself.
- Travel excess applies at £50, so modest claims may leave you funding a visible share yourself.
- Cover focuses on travel, pet and home, so riders seeking auto or life cover may prefer die Bayerische.
YourRepair
Pros
- Unlimited repair costs keeps eligible repair bills predictable.
- Excess sits at £0 with monthly payments available.
- Claims run through online portal and phone for direct access.
Cons
- Covers home emergency only, so wider home or contents needs require another provider.
- Support runs on phone and help centre only, without live chat or email contact.
Who each suits
Select & Protect
Who it suits
- Seniors seeking travel cover with later life age reach, where andsafe may feel less focused on that group.
- Households wanting pet, home and legal expenses together, where Hiscox may feel more home and landlord led.
Who should look elsewhere
- Riders seeking auto or motorcycle cover, where Hiscox may fit better given its broader motor related options.
- Households seeking life, health or income protection, where die Bayerische may fit better given its wider personal cover range.
YourRepair
Who it suits
- Choose YourRepair over Hiscox where dedicated home emergency cover matters more than business protection.
- Choose YourRepair over Barmenia where Unlimited repair costs and phone claims handling matter most.
Who should look elsewhere
- Pick Allianz Malaysia over YourRepair where broader household, motor or travel needs call for auto, motorcycle and home.
- Pick Hiscox over YourRepair where business cover matters more than dedicated home emergency help.
Country by country
| Country | Select & Protect | YourRepair |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Select & Protect
What excess applies to a Select and Protect travel claim?+
Travel excess applies at £50. You fund that share of each approved claim, with the insurer meeting the balance under policy terms. Review the schedule before you buy so the outlay feels clear and expected.
Can you spread premiums with monthly payments?+
Monthly payments is marked yes and pet cover uses monthly. You can spread premiums across the year rather than settling the full term in a lump sum. Check whether instalment terms add fees or alter cancellation rights.
YourRepair
What does YourRepair cost?+
Premiums start at £7.52 on monthly plans, which helps spread the yearly cost across regular billing. Monthly payments are available, so cover can be managed alongside household budgets without paying a large sum at renewal.
What type of insurance does YourRepair offer?+
Cover centres on home emergency, which keeps the product focused on urgent home faults. That focus suits buyers who already hold buildings or contents cover and want separate help for sudden breakdowns that need fast repair.