Whilst we don’t like to think about it, accidents can happen and it can cost thousands of pounds to recover from them, don’t take this to chance and speak to us about covering your home and its contents.
Make sure you're covered
Our team will put together a tailored first-class portfolio to help you manage finances should the worst happen.
A typical buildings insurance policy will cover your property against a wide variety of risks such as flood, storm and fire, although the extent of the cover will vary between providers.
There is also usually an option to take additional cover on your policy to protect against accidental damage to your property.
It is worth noting that if your home is subject to a mortgage, your mortgage provider will normally stipulate there being a minimum level of buildings insurance in force at all times.
This type of policy is intended to pay for the repair or replacement of personal possessions if they are damaged or stolen from your home.
The policy usually covers possessions which are in the home but not classed as being permanently attached to the structure of your property.
Whilst the terms and conditions of policies vary between providers, some will also cover items stored in garages and outbuildings and may also protect certain items even when they are taken outside of the home. For example, jewellery or portable computers. You need to check exactly what is covered under the terms of your policy.
Contents insurance can be tailored specifically to your needs, by offering additional cover should you own any valuable items, such as jewellery or camera equipment.It is easy to be persuaded to choose insurance purely based on its price but it is important that you check you are in fact getting the cover you think you are.
It is a condition of all mortgages that you to have adequate buildings insurance in place. This is something we will help you with.
Making sure you can meet your monthly mortgage payments is a priority and your home may be repossessed if you don’t keep up the repayments. With this in mind, it is important to consider putting in place one of our tailormade, first-class, mortgage and lifestyle protection portfolio’s. This could include:
A lump sum of cash to pay off your mortgage if you die
A cash lump sum or monthly income if you get cancer or have a heart attack
A regular monthly income if you’re unable to work through an accident, sickness or disability
A regular income for your children, should you die or get a critical illness
A policy to cover if your children get a critical illness - £25,000 on average
A sick pay policy if your self-employed
A sick pay top up if you don’t get enough from your employer
A lump sum of cash if you become totally and permanently disabled
All relevant plans can be written into trust This will mean the beneficiary will get their money faster
A suitable person to write or review your wi
