Types of Insurance Cover

As an insurance broker, I have access to more insurance products, more policy enhancements and more deals. All of this is better for you. I will take time to understand your circumstances and plan insurance solutions that best fit your needs, at a cost you can afford.

home insurance essex

Protect your buildings and belongings with home insurance cover. It will provide protection should something happen to your home, This includes cover for fire, water ingress, storm damage or a burglary.  I will help you find the right policy and help you keep the costs down.

Buildings insurance will cover the structure of your home and permanent fixtures and fixings. Contents insurance covers everything inside your house, the things that are not fixed. You can opt for combined buildings and contents if your home is freehold.  This also makes it easier to deal with one insurance provider, especially if you have to make a claim.

Life cover (or life insurance) provides a financial safety net for your loved ones in the event of your death. It will pay your dependents a pre-specified amount of money.

No one wants to talk about these things, but if we don’t your family could be left in a challenging financial position. With life insurance cover, you can ensure that your loved ones are looked after and provided for, even if you are no longer alive and there to help them financially.

life cover
Business insurance

Business Insurance

Be prepared for the ups and downs in business. Different businesses will require different types of insurance. I can explain the types of insurance cover and help guide you through your choices.

You can include any of the following cover types in your business insurance portfolio:  Professional Indemnity, Public & Product Liability, Employer Liability, Business Equipment, Officers & Directors, Cyber Insurance, Key person, Relevant Life and Shareholder Cover. We’ll help you make sense of it all.

income protection cover

Income Protection Cover

Income protection is a long-term insurance policy that makes sure you get a regular income until you retire or are able to return to work. Protect you and your family from a loss of earnings, with income protection.

Many of us would struggle to pay our bills and keep on top of our essential payments, including our mortgage and rent, if we lost an income due to illness or an accident.  Income protection insurance cover will pay you a regular income and will continue to pay you until you return to work after your sickness or injury.

income protection
Family income benefit
family income benefit insurance cover

Family Income Benefit

On your death, your family can receive payouts as regular income. Relieve the financial pressures for your loved ones with financial support every month, even when you are not there to provide for them. 

Family income benefit is different from standard life cover in that it pays out a regular monthly income, rather than a lump sum.  You, as a policyholder, will pay a monthly or annual premium, and cover remains in place for a specified length of time.

Landlord and Tenants Insurance

Landlords Insurance protects Landlords from certain risks associated with a rental property such as Buildings & Contents insurance & loss of rental income.
If you are a tenant, tenant insurance can protect your contents from theft, fire or flood while renting. It can also protect your rental payments in the event of not being able to work due to an accident or sickness.

critical illness cover
critical illness cover

Critical Illness Cover

Critical illness cover protects you against various conditions; some of these include Cancer, Heart attack, Stroke, Multiple sclerosis, Alzheimer’s disease and Parkinson’s disease. Critical illness cover will provide you with a financial cushion should you suffer such a serious illness. You will receive a lump sum should you become critically ill.

This type of cover can ease the financial strain at an incredibly difficult time. When someone becomes ill, the whole family suffers. With cover, you can provide financial resilience, removing financial strains.

Whole of Life Insurance

Guarantee your loved ones are left with a lump sum to pay for your funeral fees in the event of your death. A Whole of Life policy covers you for your entire life & not just a fixed term, ensuring that when you die, your loved ones will receive a lump sum.

whole of life cover
Travel Insurance
family income benefit insurance cover

Travel Insurance

Ensure you’re protected against unexpected travel expenses or emergencies during your trips. A Travel Insurance policy covers you for the entire duration of your journey, providing financial support when you need it most. Get a quote today to secure your peace of mind.

Shield your Family from unforeseen events with insurance cover

Let us help you get your insurance sorted (so it pays out)