Protection Cover

Protect yourself, your loved ones and your home

Home & Contents Insurance

Home insurance protects homeowners, landlords, and tenants against property damage, loss or destruction. Policies cover events including fire, theft, and natural disasters (e.g. floods).

This type of policy usually insures your home to a predetermined amount, or the “sum insured”. Before you take out cover, you will need to calculate the costs required to rebuild your home following an accident or disaster.

A contents insurance policy safeguards you against the loss of, or damage to, your belongings. It's a crucial purchase for anyone who cares about their personal effects.

house transparent.png

Life insurance is a contract between you and an insurance company. In exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. 

Critical illness cover (CIC) is often bought with life insurance and provides cover for serious life events such as heart attacks, strokes, many forms of cancer and much more. The policy pays out if you are diagnosed with one of the pre-determined illnesses. Having CIC included will provide the reassurance that you’ll be taken care of if you fall seriously ill. 

Life Transparent.png

Life & Critical Illness


Income Protection


Each year one million people in the UK find themselves unable to work due to a serious illness or injury (ABI 2017).


Income protection insurance is designed to give you some cover if you can’t earn an income for those reasons. If something happened to you would you be able to survive on savings, or on sick pay from work?


If not, you’ll need some other way to keep paying the bills and you might want to consider income protection insurance.

income protection.png

Get protection for your home and your family.

Buildings & Contents Cover

When you’ve spent time and money creating a safe haven for you and your family, the last thing you need is to worry about not being protected against the unexpected.  If you suffered from a fire, flood damage or your home got broken into, how would you cope fixing the damage or replacing your belongings?

A fire, burst pipe or burglary can leave a trail of damage that doesn't discriminate between the structure of your house and your personal belongings inside. That’s why with Home Insurance you can rest assured you'll get back to where you were before the incident, giving you peace of mind.

                                         *Buildings sum insured                

                                          *Contents sum insured

                                          *Emergency Cover Included 

                                          *Accidental Damage Included

                                          *Family Legal Protection

Life Insurance

Life Insurance is a type of insurance policy that can help minimise the financial impact that your death could have on your loved ones. If you die or if you're diagnosed with a terminal illness with a life expectancy of less than 12 months, during the length of the policy, it could pay out a cash sum. Life Insurance can’t replace the love you give but it could help during a difficult time.

After all, life insurance is not for you...its for them.

Life Insurance could pay out a cash sum if you die or are diagnosed with a terminal illness while covered by the policy (provided your life expectancy is less than 12 months). 

We will advise and make a recommendation for you after we have assessed your needs for Non-Investment Life Assurance.

  • Premiums from only £5 a month depending on your individual circumstances

  • Your cash sum could help pay the mortgage or help with everyday living expenses

  • Peace of mind for you knowing life insurance can help financially protect your loved ones

  • Option to add Critical Illness Cover for an additional cost when you take out your policy

Critical Illness

Critical Illness Cover can help minimise the financial impact on you and your family if you become critically ill. It’s an option that can be added for an extra cost when you take out Life Insurance, Decreasing Life Insurance, or can be taken on its own.

A critical illness can affect anyone at any age and can turn lives upside down. In the event of being unable to work due to critical illness, having a back-up plan in place can alleviate some of the financial stress of the situation. Some people may use their savings to supplement their loss of income, others may rely on an employment benefit package, while others may find that Critical Illness Cover is their best option.

  • You'll be covered if you're diagnosed with or undergo a medical procedure for one of the critical illnesses covered and you survive for 14 days from diagnosis before your policy ends.

  • The list of illnesses covered includes many types of cancer, heart attacks and strokes. 

  • Children’s Critical Illness Cover can also be included.

Income Protection

How would you pay your bills if you couldn't work?

Have you ever considered what would happen to you or your loved ones if you couldn’t work due to a long-term illness or injury which results in a loss of earnings? How would you cover your outstanding bills or childcare costs?

  • You'll receive a regular monthly benefit if you can't work due to incapacity caused by an illness, or an injury which results in a loss of earnings

  • Pays out until you return to work, retire, die or your plan ends, whichever comes first

  • Guaranteed premiums available, unless you make any changes to your plan in the future or if Increasing Income Protection Benefit is added.

  • Flexibility to make changes such as the benefit amount (eligibility criteria applies)


The Mortgage Gurus work with an extensive panel of Insurance & Protection providers. Based on your requirements, we run the numbers in

order to find you the right deal

Mortgages -
A Beginners Guide
What is a mortgage
Working out what you can afford
Applying for a mortgage
Your deposit - Size matters
How does a mortgage work
Repayment mortgage
Interest only mortgage
Different types of mortgage
Buying a property -
The costs
Major upfront costs
Stamp duty
Valuation fee
Surveyor's fee
Legal fees
Electronic transfer
Removal costs
Mortgage fees
Council tax
Leaseholder's costs
Mortgage broker fees
How to make a will.jpg
Remortgaging -
The steps
How do I remortgage my home?
Working out how much you can
afford to pay
Investigating the costs
Looking around for a new mortgage
Checking what your current lender
can offer
Getting your mortgage offer