Home Insurance or Buildings and or Contents Insurance is an essential product to have. Most mortgage providers require that you are covered by buildings insurance and for little extra money you can be covered by contents cover. Buying a house will unquestionably be the biggest investment most of us will make during our lifetime. Therefore it makes sense to insure the assets that we have worked long and hard to achieve. The best way to look after these valuable assets is to make sure you are sufficiently covered by your buildings and or contents insurance policies.
Life insurance is a policy that covers the life of a person in monetary terms in return for a payment, usually each month, and is known as a life assurance premium. Term assurance is the cheapest and simplest form of life cover, providing life assurance for a fixed term.
Term Assurance or Mortgage Protection Insurance is used to protect you against any unforeseen circumstances in relation to making regular payments to your mortgage. You can cover yourself quite easily with term assurance. Often this type of mortgage cover is referred to as accident, sickness and unemployment cover or an ASU. It usually costs around £5 for every £100 you pay on your mortgage each month.
Critical Illness Cover is taken out to provide the policyholder with a ‘lumpsum’ payment on diagnosis of one of a range of specified illnesses. The illness need not be a terminal illness but most terminal diseases are covered under the terms of the critical illness covers contract. The main purpose of critical illness cover is to provide a lump sum payment to meet the additional costs that someone may face if they are diagnosed with a serious illness.
Income Protection Insurance is designed to give you a regular tax-free benefit if you are ever unable to work due to an accident, illness or involuntary unemployment. Being unemployed or being too ill to work is very likely to affect your earnings. Income protection is designed to reduce the impact of your loss of earnings. Under an Income Protection Insurance policy, you pay regular premiums to an insurer and, in return, they agree, (subject to policy conditions) that they will pay you a benefit if you are unemployed or disabled.
Car insurance is simply a contract between you and your insurer, specifying each parties rights and obligations. Essentially your car insurer will promise to provide specific cover in return for payment of your car insurance premium. Car insurance is designed to protect you and other parties against risks associated with driving a car.
Van insurance is simply a contract between you and your insurer, specifying each parties rights and obligations. Essentially your van insurer will promise to provide a specific cover in return for payment in the form of your van insurance premium. Van insurance is designed to protect you and other parties against risks associated with driving a van.
Motorcycle Insurance cover is offered in various forms, from fully comprehensive cover, third party fire and theft cover and third party only insurance cover. We also offer optional extra cover (that is additional to your motorcycle policy). Additional cover offers enhanced benefits in the event of an accident, such as legal expenses cover that will protect you if you have to pay for legal costs.
Motor Breakdown cover is becoming essential to have because more and more cars are using the UK’s roads. We all depend on our reliable motor until the unthinkable happens and it breaks down. As most of us know that can be almost anywhere from our driveway at home to being stranded out in the middle of nowhere.
Travel insurance policies provide comprehensive cover against various risks associated with travelling abroad. As with other insurance policies they do have exclusions and it is important to ensure the policy you are considering provides you with sufficient cover for your travel needs.
Private medical insurance is designed to cover the costs of medical treatment for what are commonly known as acute conditions. Most insurers define acute conditions as diseases, illness or injury that is likely to respond quickly to treatment.
Corporate medical insurance is designed to cover the costs of medical treatment for what are commonly known as acute conditions. Corporate Medical Insurance (CMI) and Private Medical Insurance (PMI) for your company can be set up with as little as 3 employees. Medical insurance plans for the corporate sector offers employers and employees reassurance, that if they do require medical treatment, disruption at work and the employees domestic life will be kept to a minimum.
Business insurance is absolutely essential, although it is not compulsory like other insurances such as employers’ liability insurance or motor insurance. It makes sense to cover your business against risks that can destroy businesses overnight such as fire or robbery.
Dental insurance is an essential insurance to have nowadays because dental bills are increasing year in, year out. It is also becoming harder to find a dentist that will provide dental treatment through the National Health Service. Dental insurance will give you peace of mind that you have adequate dental cover, whether you choose to go privately or through the National Health Service.
Pet Insurance policies offer insurance to cover the costs of veterinary fees as well as other additional benefits. If you consider that up to one in three pets will need veterinary treatment each year and pet insurance claims are more likely than household or car insurance claims, then pet insurance is a must if you have a pet.