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.
Life insurance is a contract between you and an insurance company. Essentially, 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 insurance is often bought with life insurance. This policy would then pay out if you were diagnosed with a critical illness, and you would still have life cover. Having both will provide the reassurance that you’ll be taken care of if you fall seriously ill, but also that your dependants will be looked after if you die unexpectedly.
Life & Critical Illness
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.
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.
*Emergency Cover Included
*Accidental Damage Included
*Family Legal Protection
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). The amount of cover you choose will stay fixed unless you change your policy.
You choose the amount of cover you need, how long you need it for and whether you want to take out life insurance under joint or single names.
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 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.
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 unless you make any changes to your plan or if you choose Increasing Income Protection Benefit Plan
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 best deal