Life insurance is important if you have a young family or are the main breadwinner. It may seem like money for nothing but it can be invaluable.
Income Protection: Some employers have income protection as a staff benefit. If not there are private policies available. Same reason as above.
Here are some links that might help:
https://www.moneyhelper.org.uk/en/everyday-money/insurance/what-is-income-protection-insurance
https://www.moneysavingexpert.com/insurance/home-insurance/
https://www.moneysavingexpert.com/car-insurance/
https://www.moneysavingexpert.com/insurance/cheap-travel-insurance/