Insurance
Nobody likes to think about the worst. However these days it is even more important to consider how mortgage payments and other monthly commitments might be paid of the worst DID happen and you became unable to work due to illness or even death. It is vital to protect yourself, your family and your home – and we can use our expertise and experience to tailor a package for you that exactly suits your needs – and your budget. We help you to obtain peace of mind so that you can enjoy the here and now.
Life Cover, Critical Illness and Income Protection
We will assess your individual situation and help you to work out exactly how much cover you might need if you were to be diagnosed with a critical illness, or if the worst happened and you died. There are policies that pay out lump sums and/or monthly benefits and we help you to decide which is best for you and your family.
In the event of long term capacity an Income Protection policy can pay out until you return to work or reach your chosen retirement age. Think about how you and your family might survive on state benefit alone.
Make an Enquiry about our Life Cover, Critical Illness and Income Protection
Family Income Benefit, Accident, Sickness and Unemployment Cover
Do you have children? Have you thought about what might happen if the main breadwinner in your family were to die tragically young? Family Income Benefit is relatively inexpensive and should be considered by any family with young children.
Accident, sickness and unemployment cover is available to help with monthly expenses should you be unable to work for any of these reasons – usually for a pre-determined fixed period. You can also opt for stand alone redundancy cover – very relevant in these times of economic uncertainty.
Let us to help you decide what is best for you and your family.
Make an Enquiry about our Family Income Benefit, Accident, Sickness and Unemployment Cover
Private Medical Insurance
A premium health service, more flexibility and choice and extra comfort when ill. Get treated at a time that is convenient for you, possibly with access to new and expensive treatments and drugs that are not always available via the NHS – and avoid the queues. Let us help you to discover how affordable this can be.
Make an Enquiry about our Private Medical Insurance
Home Insurance
Buildings & Contents Cover
Buildings Insurance is the most basic of cover and is designed to cover you against physical damage to your property. It is generally a condition of your mortgage contract and is required by most mortgage lenders to comply with the terms and conditions of the loan. However, it is usually acceptable for you to shop around and use the Building Insurance provider of your choice – that’s why you should talk to us.
Contents Insurance offers cover against fire, theft, acts of God and accidental damage to your personal belongings – different companies offer different inclusions and exclusions – you should always check your policy to ensure that the sum you insure is both adequate and realistic.
To obtain a Buildings and Contents insurance quote, click here
Landlords’ Insurance
Property Insurance designed for landlords.
As a landlord you aim to generate an income and obtain capital appreciation through your property investments. It therefore makes sense that you should try to protect your investments against unexpected incidents and events.
What would happen if one of your properties suffered flooding damage and became uninhabitable for a period of time? How would you fund repair works and cover loss of income? Furthermore, if a tenant fails to pay you rent on time how will your mortgage be paid? Worse still, what if a resident suffers serious bodily injury due to an unsafe staircase? As a landlord you have a legal responsibility to provide a safe living environment. Failure to do so could leave you facing a financially crippling public liability claim.
Buying landlord insurance is the best way to protect your property portfolio and provide you with peace of mind. Let us help you to choose the right amount of cover for your investment.
Make an Enquiry about our Landlords’ Insurance
Business Insurance
We have found that very few business owners fully appreciate their liabilities in the event of death or critical illness of themselves, fellow shareholders and key persons within their business. Arranging the right type and level of Business Insurance is vital to the security and stability of any business. Some Business Insurance policies will be required by law, while others will provide added protection when unforseen circumstances could otherwise leave you with potential problems and ultimately lead to huge setbacks for your business.
Partner & Shareholder protection
This type of protection policy would provide funds in the event of a death or critical illness of a business partner or director, ensuring continuity of the business and providing security and protection for all. Please call us for more detailed information.
Key Person Cover
All successful businesses have one or more key individuals on whose skill, experience, knowledge and credibility the success of the business depends, and without their active presence the business profitability may be adversely affected. Key Person cover safeguards a business against the financial effects of death and/or critical illness of a nominated key person, for example, funding the salary of a suitably qualified temporary replacement while covering the considerable costs of recruiting a new incumbent.
Business Loan Protection
Many business owners give personal guarantees or even use their residential homes as security – the loss of such people can be particularly serious for a business and can also adversely affect the owners’ dependants. Similarly, if finance has come from a director’s loan account, their estate administrator has the right to demand quick repayment of the loan on the death. Business loan protection can provide the funds to ensure that these outstanding loans can be repaid in full should the guarantor die and/or suffer a critical illness, allowing the business to continue with minimum disruption or even failure.
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