Our Insurance Services

Car Insurance

Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of car accidents.

Buildings & Contents Insurance

Insurance designed to cover your home and certain specified contents, which may be described as being any item in the house that you will take with you when you do leave. Item and events covered, and levels of cover, will vary from provider to provider. Certain items or events may not be covered under standard terms and may require separate insurance or may require a higher premium to be paid.

Travel Insurance

A popular product that we sell, it is usually purchased from the tour operator when a holiday is booked, but not always. Designed to provide cover for emergencies abroad such as illness, baggage loss, accidental death/dismemberment. This policy often includes trip cancellation insurance. Optional additional covers are usually available at an increased premium.

Accident, Sickness & Unemployment

ASU plans are typically used to cover mortgage repayments in the event that illness, accident or loss of employment that prevents the policyholder from earning a living. A monthly benefit which is often designed to meet the monthly mortgage repayments is paid for a limited amount of time, usually a maximum of two years. All benefits of an ASU plan are tax-free.

The policies do not offer protection from employment when the policyholder is sacked, or resigns voluntarily. There are usually the following restrictions:

• Proposer must have been actively and continuously employed for a set period of time before effecting the plan
• Any redundancy which the proposer had reason to believe was pending when the policy taken out will be excluded
• No benefit will be payable if redundancy occurs within a period of time of the cover starting
• ASU policies are annually renewable at the discretion of the insurer. This means that the insurer can increase premiums in the light of claims experience or even withdraw the cover offered. This is a major difference from PHI.
• Insurance which is based on an assessment of the health of the applicant is unlikely to cover the applicant for previous or existing medical conditions please refer to policy documentation and seek advice in order to understand what the policy does and does not cover before making an application.

We also deal with commercial insurance click here for more