Breakdown Cover Insurance and Finance

Breakdown Cover

Breakdown cover, unlike car insurance, is not legally required in order to take a car on the road but it really is a must for anyone not wanting to pay huge sums to have their car towed to safety should they break down. What does breakdown cover include? The basics of breakdown cover are as follows: Roadside assistance. This is the basis of breakdown cover. If your car breaks down on the road your cover provider will try to fix your car at roadside but if this is not possible they will recover the car to the nearest approved garage. National recovery. If you breakdown and your car is unable to be fixed at roadside national recovery...
Buildings Insurance Insurance and Finance

Buildings Insurance

Buildings insurance covers the structure and materials of your home - not what's inside it. This comprises permanent fixtures and fittings such as kitchen units and outbuildings. In conjunction with contents insurance, you can protect both the contents and the actual structure of your home be subject to fire, floods or any other damage of your home's structure. Always remember to be honest when applying for buildings insurance as you could invalidate any claims if you haven't disclosed all of the facts. For a quote on your Breakdown Cover Click here Do I need buildings insurance? Unlike contents cover, building...
Car Insurance Insurance and Finance

Car Insurance

Car insurance is a legal requirement for all drivers on the road and having an understanding of how the UK car insurance companies work is essential when searching for the cheapest car insurance quote. The first thing you need to consider is what type of car insurance you want. There are 3 main levels of car insurance: Third party only This is the minimum level required by law. This will ensure that liability for the third party’s vehicle or property is covered. Damage to your vehicle is not covered. Third party, fire and theft This will cover liability to other vehicles and property plus fire and theft cover for you...
Contents Insurance Insurance and Finance

Contents Insurance

If you can’t afford to replace your possessions should they be lost, stolen or damaged then contents insurance is a must for you. Contents insurance doesn’t have to cost the earth, however finding the right policy can be time consuming. How much contents cover do I need? How much content cover you need will depend on the value of your possessions. It is estimated that one in five households could be under insured because they do not know the true value of their possessions. How much should I insure my contents for? As the policy payout is based on the sum insured, it is very important to put a right value on the...
Dental Insurance Insurance and Finance

Dental Insurance

If you are worried about the rising cost of good quality dental care in the UK, you should consider taking out a dental insurance plan. What is dental insurance? Dental insurance is designed to help look after you and your family's dental health by covering the cost of dental check-ups and treatment, whether with the NHS or with a private practice. There are a number of dental insurance plans available in the UK, with each providing reimbursement towards many common dental expenses. What does it cover? Dental insurance plans can be tailored to pay for, or contribute towards, the cost of routine dental examinations, x-rays, hygiene...
Health Insurance Insurance and Finance

Health Insurance

Health insurance also known as private medical insurance (PMI) and private health insurance gives you instant access to private health care and treatment when you need it. Long NHS waiting lists and poor quality care are just some of the reasons more and more people are opting for private health care. Our FSA regulated health insurance advisors can help you choose the right cover for you and guide you through any exclusions for pre existing conditions. Simply complete the short form below and our experts will find you the best health insurance deal to suit your circumstances. Why would I want health insurance? Having health...
Home Insurance Insurance and Finance

Home Insurance

When you buy home insurance, it’s never a good idea to compromise on the quality of the cover. Home insurance doesn’t need to be expensive. With so many deals on the market it’s a matter of finding the right one for you. The first step to consider when choosing a home insurance is to decide what type of cover do you need. What are the types of contents insurance available? There are two main types of cover: buildings insurance and contents insurance. The building insurance covers you for the bricks and mortar of your home. This cover will  pay for repair or rebuild of your home due to fire, earthquakes, floods, falling...
Income Insurance Insurance and Finance

Income Insurance

Income protection insurance is designed to help you financially in the event of a loss of income caused by a long-term illness, injury or unemployment. It can be used to help cover large monthly outgoings such as mortgage payments, rent payments (if you’re a tenant), utility and council tax bills, or even your grocery shopping costs. Types of cover Most income protection providers offer the following three cover options: Accident and Sickness insurance only – this pays a tax-free monthly income if you are unable to work due to an accident-caused injury or sickness, as certified by a doctor. Unemployment insurance only* –...
Life Insurance Calculator Insurance and Finance

Life Insurance Calculator

Life insurance provides a pay out should something unexpected occur. Life insurance also known as life assurance ensures that your family is taken care of financially in the event of your death. Life insurance is not expensive and costs as little as £4.99 per month, depending on circumstances. Speak to our FSA regulated life insurance advisors today for free independent advice. Our experts  will help you assess what you need and search the market to find you the most competitive quote available. Simply complete the short form below and our expert will call you to discuss your requirements. We all like to think that it would...
Life Insurance Insurance and Finance

Life Insurance

Life insurance also known as life assurance ensures that your family is taken care of financially in the event of your death. Life insurance is not expensive and costs as little as £4.99 per month, depending on circumstances. Speak to our FSA regulated life insurance advisors today for free independent advice. Our experts will help you assess what you need and search the market to find you the most competitive quote available. Simply complete the short form below and our expert will call you to discuss your requirements. We all like to think that it would never happen to us but sadly statistics show that one child in every...
Mortgage Protection Insurance Insurance and Finance

Mortgage Protection Insurance

Mortgage Protection, more commonly known as Mortgage Payment Protection Insurance (MPPI), is designed to protect your home in the event you are unable to meet your monthly mortgage payments. Why is it important? Failing to meet you mortgage payments each month following an accident, sickness or unemployment could put your property at risk, which is why MPPI is definitely worth considering. While some people who run into trouble with their mortgage payments find help through the government, not everyone qualifies for state support. Even if you are eligible for this type of support, it will usually only cover the interest costs on your...