Insurance & Protection

Term - Life Assurance

Life Assurance covers you in the event of your premature death or diagnosis of a terminal illness. It is paid out in a lump sum and is used to ensure your mortgage will be repaid and the costs not passed on to your dependents or loved ones.

Income Protection

Income Protection provides cover if you are unable to work due to an accident or long term Illness, this will replace a pre-agreed level of income until the end of the policy term or until you are able to return to work.

Critical Illness Cover

Critical Illness Cover provides protection in the event of contracting a specified critical illness. It is paid out as a lump sum on diagnosis, to help you financially in your time of need

Business Protection

Want to know more about any of these, then please just give us a call and we’ll be happy to provide further detail.

Mortgage Payment Protection Insurance

Mortgage protection also known as accident, sickness and unemployment cover can give you peace of mind knowing that in the event of redundancy or illness your mortgage payments will be made and your home will be safe.

Most standard mortgages do not have any protection insurance included, so it’s important to decide what kind of separate cover you need.

Accident, sickness and unemployment cover insures you against changes in your circumstances due to redundancy, disability, or illness. Usually, payments are made for up to a maximum of 12 months.

If you would like to be covered for longer than this you may want to consider taking out income protection.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.

Building and Contents Insurance

Buildings and Contents insurance can be split into two products:

Buildings insurance protects your house the bricks and mortar against insured risks such as fire flood subsidence earthquake etc.

Contents insurance protects your belongings and furniture also known as chattels against all of the above and also burglary theft etc.

Both policies can be extended to cover additional risks such as accidental damage, which would insure your television if someone spilt a drink over it by accident for example, or falling through the ceiling whilst in the loft. Also, you can protect high-risk items such as bikes and tools in sheds and jewellery and credit cards whilst you are out and about. Costs vary depending on the amount to be insured, postcode area and the policyholder's previous claims experience