Building & Contents Insurance
If you're a homeowner, you'll likely need both.
Buildings insurance - protects the fabric of your home, such as the roof, walls, windows and permanent fixtures like a fitted kitchen, garage, conservatory and outbuildings. In case of any accidents occurring.
Contents insurance - typically speaking any items that can be carried out of your home, sofas, gadgets, laptops, clothes, fridge freezers; even including those sausages you
forgot about.
Both can be bought separately or can be combined into one easy to maintain home insurance policy.
If there was an incident, how could I afford to pay the repairs?
A friend was burgled once, how do I protect myself?
Can I cover buildings and contents on the same policy?
Critical Illness
Critical illness insurance is a policy that pays a lump sum if you get a medical condition or injury that is covered under your policy. Sometimes sold together and not to be confused with life insurance, is created to cover illnesses such as heart attacks, strokes, certain cancers to name but a few; your family could possibly be covered under the same policy too.
The main drivers assessed by the insurers are typically age, lifestyle (smokers and heavy drinkers pay more) and your job; some can be more dangerous than others. Bringing peace of mind and financial security for your family is key, especially if the worst was to happen. It’s scary to think that every year a large number of people within the UK are forced to give up work due to injury or illness. It’s better to be protected just in case, we never know what might be around the corner.
What if I suffer a serious Illness?
If I can’t work, I still have to pay
my mortgage, right?
Can I cover my family too?
Critical Illness
Critical illness insurance is a policy that pays a lump sum if you get a medical condition or injury that is covered under your policy. Sometimes sold together and not to be confused with life insurance, is created to cover illnesses such as heart attacks, strokes, certain cancers to name but a few; your family could possibly be covered under the same policy too.
The main drivers assessed by the insurers are typically age, lifestyle (smokers and heavy drinkers pay more) and your job; some can be more dangerous than others. Bringing peace of mind and financial security for your family is key, especially if the worst was to happen. It’s scary to think that every year a large number of people within the UK are forced to give up work due to injury or illness. It’s better to be protected just in case, we never know what might be around the corner.
What if I suffer a serious Illness?
If I can’t work, I still have to pay
my mortgage, right?
Can I cover my family too?
Income Protection
The one protection policy every working adult in the UK should consider is the very one most of us don't have - income protection. Only a minority of employers support their staff for more than a few months if they're off sick from work. Everyone of working age should consider income protection.
Not to be confused with critical illness cover that pays out a lump sum, this policy typically provides around 70% cover of your gross salary paid over regular intervals due to an accident or sickness meaning you’re unable to work.
I’m self-employed, what happens
if I’m off sick?
My work doesn’t pay sick pay,
is this an issue?
I’m a labourer, will this help me if I got injured and I am unable to work?
Life Insurance
Life insurance is a policy that pays a lump sum to your dependents upon the policyholder’s death. Although it’s not a nice thought, it’s so important those that rely on you are able to continue to live in their home and support their current standard of living.
Designed to support your loved ones during a time of crisis, it can also help to pay for your policyholder debts and funeral costs. If you’re unsure whether this would be beneficial for you, consider if your family would be able to continue to live the same way without your income? If they would struggle, then it is probably required.
My children depend on me,
how can I help them?
What if I’m not here?
What if my partner is reliant
on my income?
Building & Contents Insurance
If you're a homeowner, you'll likely need both.
Buildings insurance - protects the fabric of your home, such as the roof, walls, windows and permanent fixtures like a fitted kitchen, garage, conservatory and outbuildings. In case of any accidents occurring.
Contents insurance - typically speaking any items that can be carried out of your home, sofas, gadgets, laptops, clothes, fridge freezers; even including those sausages you
forgot about.
Both can be bought separately or can be combined into one easy to maintain home insurance policy.
If there was an incident, how could I afford to pay the repairs?
A friend was burgled once, how do I protect myself?
Can I cover buildings and contents on the same policy?