Insurance Types
The insurance industry is incredibly competitive and it can be hard to understand exactly what is on offer from the many different providers to the extensive range of products and rates available. Getting help to source insurance is important so you can carefully study your options before making a decision.
Home Insurance
Home insurance is to protect your home and belongings. If your home is damaged, having insurance could mean the provider will pay to replace your belongings and repair your home.
Landlord Insurance
Landlords Insurance provides protection for landlords renting a property. It differs from Home Insurance by covering the additional risks associated with property.
Income Protection
Income Protection
Income protection insurance will provide you with financial support if you find yourself unable to work, you can get short-term or long-term policies, depending on your needs.
Life Insurance
Accident Insurance
Income Protection
Life Insurance is a type of insurance that can help minimise the financial impact that your death could have on your family.
Accident Insurance
Accident Insurance
Accident Insurance
Have you ever wondered what you might do if you suffer an accident or injury that means you’re unable to work? Here’s everything you need to know about personal accident cover.
Home 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
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
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 cant work because you've had an accident, fallen sick, or lost your job through redundancy there are a range of income protection policies that can cater for these events in your life. It pays you a proportion of your salary each month.
Life Insurance
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.
Accident Insurance
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.
Critical Illness Insurance
It's an insurance policy that helps protect you if you are diagnosed with a specified critical illness 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.