What is protection?

Protection does what it says on the tin, it protects you. If ever the worst should happen and you have an accident that prevents you from working, then protection keeps your finances secure and ensures you still have income every month.

We understand that no one likes to think pessimistically about the future. Taking out a mortgage to buy a property is probably the biggest financial commitment you will ever make - and it may not be just a property, it may your family home. Shying away from thinking about, discussing and addressing 'the worst that could happen should not be an option for anyone - no one ever wants to say 'if only' after a tragic event.

We will discuss your own personal views and needs in detail and then provide advice to create a bespoke solution that meets your needs. In our opinion, you should never buy 'off-the-shelf' mortgage or family protection - you need to get advice to ensure that it is the right product for you.

Our protection range:

Decreasing Term Assurance

The simplest and most cost-effective form of mortgage protection and ideal as low-cost cover for a repayment mortgage.

Level Term Assurance

Providing a set level of benefit throughout the policy term, this is ideal as basic cover for an interest-only mortgage or lump sum family protection.

Income Protection

Aimed at replacing lost income in the event of long-term illness.

Family Income Benefit

Provides an income for a set period in the event of death during the insured period.

Critical Illness Cover

Pays out a lump sum benefit in the event that the insured, or the insured children, are diagnosed with a specified life-threatening illness during the term of the policy. Even if your mortgage is not due for renewal, you can still review your protection needs at any time.

Contact us now to arrange an appointment - if anything we may be able to save you some money!

As with all insurance policies, conditions and exclusions will apply.

Accident, Sickness and Unemployment cover typically costs £4.71 per month for every £100 of monthly benefit. This is based on a 36-year-old customer choosing £850 of Accident, Sickness and Unemployment monthly benefit with claims paid after a 30-day deferred period.

The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation.

As a result, the cost you will pay is based on your own circumstances. There are other providers of Short-term Income Protection and other products designed to protect you against loss of income.

For impartial information about insurance, please visit the website at

General Insurance

Your biggest asset is often your home, and fully protecting this is often overlooked in the desire to get the cheapest possible policy, irrespective of the levels of cover. With access to some of the UK's leading providers, we can help you design a policy that fully protects all your belongings, in or out of the home, whilst keeping your premiums low. Our providers include some of the best-known insurers such as Legal & General. As with all insurance policies, conditions and exclusions will apply

Buildings & Contents

Ensuring both the house you live in and the possessions you keep in and around it, having a combined policy can often lead to a more cost-effective premium.

Buildings Only 

To cover the framework of your home.

Contents Only                                

To cover just the contents of your home. Ideal if you are renting a house and wish to protect your valued possessions.

Landlord's Insurance 

If you rent out the property, however many you own, it is vital to ensure that your assets are always protected. 

Get a quote

This cover also gives you peace of mind. When you have it, you know that you and your family are safe from any unexpected twists that life throws your way. We work with reliable lenders who give you the right cover at the right cost. Contact us today to protect your greatest asset; you.