Personal & Commercial Insurance
None of us like to think that an accident or sickness will interrupt our busy lives, but unfortunately statistics show otherwise. Crucially, it is easy to plan for the worst by taking out accident sickness insurance, so things won't be any more intolerable than they have to be because your mortgage will get paid and your income will be maintained.
We also offer commercial insurance tailored to your circumstances from a wide panel of insurers, at very competitive rates, with sameday cover on certain products.
Accident, Sickness & Unemployment (ASU)
Accident, sickness & unemployment insurance is a general insurance that may be considered as an alternative to permanent Health Insurance. These policies are relatively inexpensive and easy to understand. The key features of accident, sickness & unemployment contracts are as follows:
- Provision of regular income should the insured party be unable to work due to accident, illness or unemployment
- A more accurate description would be accident, sickness & redundancy, as policies do not cover dismissal
- In the event of a claim, benefits are payable after a deferred period, typically one month
- Benefits are payable for a maximum specified period, typically one or two years
Permanent Health Insurance
Permanent health insurance pays an income when accident or illness prevents the insured from earning a living carrying out their normal occupation. Permanent health insurance is intended to protect people who are working and would lose their income if they were unable to work due to illness or accident.
The term of a PHI policy cannot extend the persons intended (or actual) retirement date.
Buildings & Contents Insurance
Floods, high winds and frozen conditions all take their toll on your property and belongings, so it makes sense to insure them in case the worst happens; and in the case of buildings, it is essential in order to get a mortgage application approved.
Critical Illness Insurance
Critical illness insurance provides a tax free lump sum payment upon diagnosis of one of a range of specified illnesses. The illness need not be terminal but most terminal diseases are covered under the terms of the contract.
The main purpose of critical illness cover is to provide a lump sum to meet the additional costs that someone may face if they are diagnosed with a serious illness.
Income Protection Insurance
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Life Cover (Life Assurance)
Life assurance products have long been regarded as complementary to mortgages. As a mortgage is to most people the largest financial commitment of a lifetime, it is appropriate that financial institutions should strongly encourage their borrowers to purchase suitable life assurance cover.
We have a broad range of life products from which to match your individual circumstances, and over a decade's experience in choosing the right policy.
Mortgage Payment Protection Insurance
Mortgage payment protection insurance are an inexpensive form of insurance cover which provide for the outstanding mortgage debt to be paid off in the event of premature death of the insured. Mortgage payment protection policies are a type of decreasing term assurance where the sum assured decreases over time.
No profits accumulate and the policy lapses at the end of the mortgage term.
Travel Insurance
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Employers Liability Insurance
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Professional Indemnity Insurance
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Public Liability Insurance
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