Insurance

Our insurance services ensure that each of our clients has the right level of protection at the right price. Some insurance policies are obligatory; others are just a very good way of protecting your assets, income and family. We will guide you through the various types of insurance policies to make sure you choose the most appropriate cover for your circumstances. We offer assistance with:

Property Insurance

Insurance for landlords

• buy-to-let property and contents insurance
• rental payment insurance and legal cover

Request a landlord insurance quote.

Insurance for home and business owners

• residential buildings and contents insurance
• commercial premises insurance

Request a household insurance quote.
Request a commercial property insurance quote.

Insurance for overseas property owners

• overseas buy-to-let property and contents insurance
• overseas holiday home buildings and contents insurance
• overseas rental payment insurance (for those who rent out their property)

Request an overseas property insurance quote.

Protection

Insurance in the event of death

• Term Assurance - provides cover for a determined period - pays out a lump sum
• Whole of Life Insurance - provides cover for the rest of your life - pays out a lump sum
• Mortgage Protection - provides cover during the term of the mortgage only - pays out a lump sum to repay the mortgage debt
• Family Income Protection - provides cover for a determined period - pays out regular payments for your family to use like an income

Request a call back about insurance.

Insurance for other events

• Critical Illness Cover - normally provides cover for a defined period or for the term of a mortgage - pays out a lump sum to repay the mortgage debt or to be used as the insured requires.
• Accident, Sickness and Unemployment Cover - provides cover during the term of the mortgage only - pays out regular payments to assist with servicing the mortgage.

Request a call back about insurance.

Protection for Borrowers

You can protect your family from the undue strain of a mortgage by taking a life insurance policy that will repay the debt on your death. Critical illness cover can be included in these policies so that the mortgage is also repaid if you were to fall terminally ill. Both types of cover are particularly important for the main breadwinner of any family as without them paying a mortgage every month if these events were to occur could be a real burden for the rest of the family.

Even single borrowers should think about how insurance can help them ensure a pain-free future. For example they may, just as the head of a family may, want to consider ASU cover. This type of insurance pays out regular payments to either cover or help towards the mortgage payments if the borrower did not have the income to service his debt due to illness, an accident that kept them off work or because they simply became unemployed.
It is best to speak to an adviser to establish which types of insurance are suitable for your particular circumstances.

Request a call back about insurance.

Extra Protection

Particularly for those with families, extra cover can be taken so that in the event of death the family (your beneficiaries) receives either a lump sum or a series of payments that will help them to manage without your contribution of income to the household.  Both forms of payment are usually tax free and the pay out can be used for anything.
It is best to speak to an adviser to establish which types of insurance are suitable for your particular circumstances.

Request a call back about insurance.