Insurances

General Insurance

Mortgage Payment Protection Insurance

Sometimes called Accident, Sickness and Unemployment Insurance (ASU) the cover is designed to pay an amount equal to your mortgage payments and optionally, related bills, such as council tax and insurance premiums, if you lose your income due to accident, sickness or unemployment. Policies are flexible and allow you to choose whether to cover all three elements or just accident and sickness or unemployment. There is generally a maximum amount that can be covered under this policy.

These policies can be complicated and we need to take into account any existing policies you may have as well as any employer related benefits, therefore their arrangement requires advice. However, we always make the application process itself as simple as possible and we are able to source from the ‘whole market’ therefore ensuring you obtain the best and most appropriate policy.

If you would like to obtain a quote and/or purchase ‘Mortgage Payment Protection’ please click here. If you do not find exactly what you are looking for or you would like more information and advice please contact us.

^ back to top

Buildings Insurance

Designed to pay for any loss or damage caused to the structure of your property, such as fire or flood damage. You can also add ‘accidental damage cover’ for a small additional charge. Insurance companies generally need to know the rebuild value of your property, although some base their charges on the number of bedrooms you have.

If you have recently purchased your home this information will be within your survey report, but if you do not know this figure please contact us and we will be able to help you calculate this. If you live in a flat your building will generally be insured by the Freeholder or Management Company and your share of the cost will be included within your service charge. You will, however need to cover your contents separately.

If you would like to obtain a quote and/or purchase ‘Buildings & Contents Insurance’ and you know the rebuild value of your property, please click here.

If you are unsure of the rebuild value of your property but still want to receive a quote and/or purchase on line please click here. If you do not find exactly what you are looking for or you would like more information and advice please contact us.

^ back to top

Contents Insurance

Designed to compensate you for any loss or damage to the belongings in your home such as electrical equipment, furniture etc. You may also add ‘accidental damage cover’ for a small additional charge. Other additional benefits can also be included, like personal possessions cover away from your home and family legal protection, individual insurers terms may differ.

When choosing the level of cover that you need it is important that you cover the replacement cost of all of your contents to avoid being underinsured. It is worth spending a little time in each room adding up the replacement costs of everything.

If you would like to obtain a quote and/or purchase ‘Contents Insurance’ please click here. If you do not find exactly what you are looking for or you would like more information and advice please contact us.

^ back to top

Buy to Let Property Insurance

Designed specifically for Landlords it provides cover for any rented property that you may own. The main element of cover is buildings insurance although some insurers provide contents cover for items owned by the landlord, such as carpets and curtains.

Your liability as a Landlord differs from that of an owner occupier so if you have a property that you rent out it is important that you have a specialist policy otherwise you could find your insurance to be null and void.

If you would like to obtain a quote and/or purchase ‘Buy to Let property Insurance’ please click here. If you do not find exactly what you are looking for or you would like more information and advice please contact us.

^ back to top