Insurance & Protection

A mortgage is a big commitment, so it makes sense to protect it. We help you put sensible cover in place for you, your family and your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

A mortgage is a long-term commitment, so it makes sense to protect it — and the people who matter most to you. The right cover means that if life takes an unexpected turn, your family, your income or your home are looked after.

We’ll help you understand the different types of protection, work out how much cover is sensible for your situation, and compare policies on what they actually cover rather than on price alone. There’s no pressure — just clear guidance so you can decide what’s right for you.

Life Insurance

Life insurance pays out a lump sum or income if you die during the policy term, which can help your family clear the mortgage or maintain their standard of living. We’ll help you work out how much cover is appropriate and for how long.

We’ll compare options and explain the differences between level, decreasing and other types of cover in plain English.

Critical Illness Cover

Critical illness cover pays out if you’re diagnosed with one of the serious conditions listed in the policy, such as certain cancers, heart attacks or strokes. It can give you financial breathing space at a difficult time.

Policies vary in what they cover, so we’ll help you compare the detail rather than just the price.

Income Protection

Income protection replaces part of your income if you can’t work due to illness or injury, usually until you recover, retire or the policy ends. For many people it’s the most overlooked but valuable cover.

We’ll help you choose the waiting period and benefit level that fit your budget and any employer sick pay.

Family Income Benefit

Rather than a single lump sum, family income benefit pays a regular, tax-free income to your loved ones if you die during the policy term. Many families find a monthly income easier to manage than a large one-off payment.

It can be a cost-effective way to protect a young family through the years they most need support.

Mortgage Protection Insurance

Mortgage protection is simply cover designed around your mortgage, so that the balance could be repaid or payments maintained if the worst happens. We’ll help you align the cover with your mortgage term and balance.

We’ll make sure you understand exactly what is and isn’t covered before you commit.

Buildings & Contents Insurance

Most lenders require buildings insurance as a condition of your mortgage, and contents cover protects your possessions. We can help you arrange suitable home insurance so you’re properly protected from completion day.

We’ll help you avoid being under-insured and explain any key exclusions.

Landlord Insurance

If you let property, standard home insurance won’t usually be enough. Landlord insurance can cover the building, loss of rent, property owners’ liability and more, depending on the policy you choose.

We’ll help you put appropriate cover in place for your rental properties.