Product overview: Personal lines
Insurance was the preserve of the wealthy when the first personal lines products started to emerge back in the seventeenth century. Among the early adopters were Sir Christopher Wren, Charles Dickens and Captain James Cook, who insured his home for fire while he was at sea in 1768.
The invention of the motor car in the last nineteenth century saw insurers adapt existing policies for horse drawn vehicles, with the first policy sold in the UK in 1896. Third party cover became a legal requirement
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