We know that insurance is not an exciting prospect. The best outcome with an insurance policy is that you pay your premiums every month, nothing bad happens, you never need to claim, and the insurer keeps your money. But to leave your home or mortgage uninsured is to take an enormous risk, which is why the financial industry regulator, the FSA, recommends taking out insurance to protect you and your family.

The FSA guide to insurances is available via the icon to the right.

Different people in different circumstances need different cover. Many of our clients tell us how other mortgage companies have pressured them into taking insurance products that they later find they didn't really need. In some cases, people have been given the impression that some types of insurances are mandatory when they’re not. You can trust us to give you simple, honest advice about what you need, and what you don't.

Life and Illness Insurance

For most people, buying a house is the largest commitment they will ever make. It is a sad fact that if you or your partner were to die, go off work sick for an extended period, or contract a critical illness such as cancer, paying the mortgage would be a struggle at a time which would already be very difficult. Most people would obviously want to ensure that, in the event of their death or serious illness, their partner and family do not lose their home.

For a small monthly cost, it is possible to insure yourself so that your mortgage would be paid off in the event of the worst happening. We search the whole of the insurance market to get the best premium for you on life and critical illness cover and income protection cover, and provide advice on the right levels of cover.

Many of our clients choose to insure themselves for more than the value of their mortgage, to ensure that other commitments such as bills and loans could still be paid should anything happen to them.

Even if you already have cover like this, you may well find that we can get the same cover for a better price. The cost of cover has come down for many people in recent years. We also find that we can often save money for those who have purchased cover through a bank or building society. It's always worth asking us for a quote!

Home Insurance

Every mortgage lender insists that you have some form of buildings insurance on your property. Very few home owners would argue with the fact that it is extremely important to insure your property against damage and your contents against theft, fire and other risks.

Many people continue to pay more that they need to for their cover, often because they hold it with their mortgage lender. We can offer excellent prices for this important cover and can create quotes in just a couple of minutes- speak to one of our consultants for details.