Below you will find useful information relating to insurances whatever your circumstances.

This type of insurance protects you against damage to the structure of your home. It will usually pay out if your property gets destroyed by fire, floods or subsidence (you will need to check if you live on a flood plain). Any damage to fixed fittings for example baths and kitchens are often included, as well as sheds, greenhouses and garages. If you have a mortgage on the property, your lender will insist that your property (and their security) is protected by buildings insurance. You will usually be offered buildings insurance when you take out a mortgage, but you don't have to take what's on offer with that lender. It is important to shop around and get the best deal for you. Cover is usually based on what it would cost to rebuild. Call us today to see how competitive your existing cover is.

This type of insurance covers the loss of or damage to the contents of your home. This can include items such as your furniture, electrical goods and other items within your home. It can cover personal possessions and items you take outside or away from home, for example cameras, jewellery, laptops and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against accidental damage.


This is a building insurance policy for a property that is rented out. As a buy to let landlord, it's essential to protect your investment by insuring it, as there are extra risks involved when tenants occupy your property. It protects you (the landlord) against damage to the structure of your home. It will usually pay out if your property gets destroyed by fire, floods or subsidence (you will need to check if the property is on a flood plain). Any damage to fixed fittings for example baths and kitchens are often included, as well as sheds, greenhouses and garages. If you have a mortgage on the property, your lender will insist that the property (and their security) is protected by buildings insurance. You will usually be offered buildings insurance when you take out a mortgage, but you don't have to take what's on offer with that lender. It is important to shop around and get the best deal for you. Cover is usually based on what it would cost to rebuild. Call us today to see how competitive your existing cover is.





When you take out any kind of loan, it's important that you ensure you make all the repayments on time and in full, failure to do so could mean you lose your home, if it's a mortgage or a loan that is secured on it. It could also affect your credit rating and make it more difficult to borrow money in the future. Occasionally, however, the unexpected may happen. As an example, you may lose your job through redundancy, or find yourself unable to work due to long-term sickness. By law, an employer must pay most employees statutory sick pay for up to 28 weeks, this will however, probably be a lot less than full earnings. After that, you would probably have to fall back on State benefits. These are usually means-tested which may mean you won't qualify. If you are self-employed, you have no employer to help you, so you would have to turn to the State.

This is when insurance to protect you or your family's income or borrowing can be useful. Below are some examples of products and why you might find them useful:


This type of policy is designed to protect your mortgage and/or loan payments. Most of these types of policy will start to pay your monthly mortgage or loan repayments one month after your income stops, due to redundancy, accident or illness, and continues to pay for 12 months and longer with some providers.

There are various types of insurance that will provide some financial security for people who depend on you if you died. (So if you don't have a partner, spouse or civil partner, children, or other dependants, you may not need life cover.)

This type of policy pays out a lump sum if you die within the term you've agreed. If you live longer than the term you have taken, you get nothing. As a couple, you can also take out term cover in both your names, with the policy paying out if either of you die during the term. Known as term insurance because you choose how long you're covered for, say, 10, 15, or 20 years (the term). These policies may include terminal illness cover at no extra cost.

This type of policy pays out a lump sum to repay your mortgage if you die within the term you've agreed, but pays out a reducing amount. If you live longer than the term you have taken, you get nothing. As a couple, you can also take out term cover in both your names, with the policy paying out if either of you die during the term. This is the simplest and cheapest type of life insurance, and is known as decreasing term insurance because you choose how long you're covered for, say, 10, 15, or 20 years (the term) but the amount payable on death within the term decreases. These policies may include terminal illness cover at no extra cost.

these types of policy pays out a lump sum if you're diagnosed with a critical illness, such as cancer, a stroke, MS, a major organ transplant, coronary artery bypass, heart attack and kidney failure. You can use the payout to pay for medical treatment, pay off your mortgage or anything else. These policies can also include the cost of life cover for a small premium.