Home Insurance
Your home is quite possibly the biggest financial purchase you will make and therefore deserves insuring.
Your mortgage lender will insist that you have buildings insurance in place, which will generally cover the cost of repairing any damage to the structure of your home, including permanent fixtures and fittings.
If you own or rent your own property, then it is wise to also consider taking out contents insurance. It’s easy to forget about the cost of our belongings, but if anything were to happen to them would you be able to afford to replace them? Contents insurance removes the potential stress and worry from you by reimbursing you for the loss or damage of your possessions including; jewellery, clothes and gadgets.
Life Insurance & Critical Illness Cover
Should the inevitable happen to you, would your loved ones be able to pay off your existing debts? A life insurance policy provides the peace of mind of knowing that your family will not be forced to change their lifestyle, or it may mean that they can stay in your home in the event of your death.
The right policy for you will depend on your individual circumstances, which we can help you with.
Insurance can also be provided in the event of you becoming seriously ill.
Your finances can become an issue when you are at your most vulnerable and medical advances mean that you are more likely to survive a serious illness. However this can place you & your family under serious financial strain until your are well enough to return to work. Critical illness policies provide cover for a number of illnesses including Cancer, Heart Attack & Strokes.
We are able to fully assess your individual needs, personal circumstances & requirements and advise you on which level of cover is best suited for you & your family.
We not only want to move you into your new home but we want to ensure that you & your family stay there too!
Income Protection
Ill health can happen to anyone at any time; it doesn’t mean this is something serious, it could be a bad back or stress - What would you do if you or your partner were unable to work for a period of time due to an injury or illness?
You might have some savings set aside for a rainy day. But, how long would they realistically last after your monthly outgoings have been paid?
What would you do after your work stop paying you sick pay? Would you be able to pay your mortgage & household bills? Most of us would struggle. Especially with the cost of living rising, it is more important than ever to ensure your basic expenses are covered each month.
An income protection policy is an insurance policy that pays out if you're unable to work due to injury or illness, and will generally continue to do so until you are able to return to work, retire or die.
We are here to help and advise on the best policies for your own circumstances. Because…the right insurance for you & your family, matters too.