General Insurance
Buildings & Contents Insurance
Having appropriate Buildings Insurance cover in place is a requirement of your mortgage lender, and as your home will probably be the most expensive item you will ever buy, it makes sense to insure it. Whether you own or rent your home, contents insurance is just as vital. With record claims for storm damage and with burglaries being a sad fact of life, buildings and contents insurance is a necessary expense.
For Buildings and Contents insurance, and Accident Sickness & Unemployment(ASU), we offer products from a selected panel of providers. For all other general insurance we act as intoducers only.
For all other general insurance we act as introducers only.
Covers Available
Buildings
Covers the cost of rebuilding your home in the event of perils such as fire, lightning or flood.
Contents
Covers the replacement of stolen or damaged contents of your home, on a New for Old Basis. This means that as long as the sum insured is maintained at an adequate level to replace items as new, insurers will do so. For instance, insurers will replace that old carpet you acquired when you moved in, but which you have accidentally spilt paint on, with a brand new one. You can extend the contents cover to include contents of your freezer, and money, credit cards, pedal cycles which are stolen or lost outside of the home.
Accidental Damage
This cover can be included for both buildings and contents for a small additional cost. An example of a buildings accidental damage claim would be if you put your foot through the ceiling whilst in the loft, and an example of a contents claim would be if you spilt paint on the carpet.
All Risks
This extension provides cover for personal effects taken out of the home e.g. an engagement ring or cameras.
Accident Sickness & Unemployment Cover
Accident, Sickness and Unemployment insurance (ASU), can also be referred to as mortgage payment protection and will provide you with an income to meet your outgoings if you are off work sick, have an accident or are made redundant. It pays out a monthly benefit to cover your mortgage and other related costs.
You may choose the amount of benefit you would like to receive - although there are some limits on the maximum amount. The premium will be a percentage of the amount of monthly benefit you would like to receive. Benefits are usually payable for a maximum of 12 months.
Some policies will also allow you to choose whether you want to receive benefits for accident and sickness only, unemployment only or all three. Most policies will also have a 'deferment period'. This is the period of time you will have to wait after losing your source of income until you may claim the policy benefit.
Please call for a no obligation quote
