Insurance

Home insurance, also called house insurance, is a general term used to describe the two main ways to insure your home. These are buildings insurance and contents insurance. When you buy house insurance, you can buy buildings insurance and home contents insurance separately. You can also buy them together in a single home insurance policy. 

Landlord insurance is home insurance designed for rental properties, often combined with other insurance options for landlords. It includes one or more of:

Buildings insurance

Contents insurance

Rental protection insurance

Liability insurance – including property owners’ public liability or employers’ liability

Unoccupied property cover

Income protection refers to a family of insurance products which provides a level of cover to help you continue to meet your financial commitments if you are forced to take an extended break from work.

If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month. You can then use the money to cover debt repayment, bills and other costs. Income protection is especially useful for people working in dangerous industries who want to be sure their mortgage will always be covered.

A life insurance policy can provide financial support for your loved ones if you or another joint policy holder passes away, helping to pay off debts like a mortgage and provide a means of living for your family. It usually comes in the form of a lump sum payment, but can also offer a substitute for a regular income.

We will be able to recommend how much the policy will pay out, which you can base on factors such as outstanding debts and continued living expenses for your partner and children.

Personal accident insurance, also known as personal injury insurance, is designed to pay out compensation if you suffer from a serious injury or death as the result of an accident. It can protect you and your family against loss of income, and help them with bills and other expenses.

This type of cover is often included in life insurance and car insurance policies, and is typically available to anyone aged 18-69 in the UK. Personal accident insurance does not cover other reasons you may be unable to work – such as through sickness or for mental health reasons – as these will typically fall under health and medical insurance policies.

It's an insurance policy that helps protect you if you become critically ill during the policy term. It pays out a tax-free lump sum that you can use however you like – whether that’s to help cover health-related costs, monthly expenses, or lost income while you get better.