If life didn’t quite go to plan, would you be protected?
You’ve made plans for your home. Let’s make sure they’re protected. From life insurance to protecting your property and belongings, we’ll look at what matters to you and the cover you might need.
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Your guide to protection
Four kinds of cover, in plain English. You may not need all of them — we’ll help you work out which matter most for your circumstances.
Life Insurance
What it is: Pays a lump sum to your family if you die during the length of the policy — some people like to use these funds to clear the mortgage or replace lost income.
When you might need it: If anyone depends on your income, such as a partner, children, or a joint mortgage, this could stop them being left with the mortgage, without financial support.
Income Protection
What it is: Replaces part of your income, usually paid monthly, if you’re unable to work because of illness or injury.
When you might need it: Especially useful if you’re self-employed, or your employer’s sick pay wouldn’t cover your usual outgoings for long.
Critical Illness Cover
What it is: Pays a tax-free lump sum if you’re diagnosed with a specified serious illness, such as cancer, a heart attack or a stroke.
When you might need it: Worth considering alongside life insurance, especially if you’d struggle to cover the mortgage or everyday costs while recovering from a serious illness.
Home Insurance
What it is: Buildings cover protects the structure of your home; contents cover protects your belongings inside it — against things like fire, flood or theft.
When you might need it: Your lender will require buildings insurance from the moment you exchange contracts. Contents cover is optional, but worth having if you’d struggle to replace what’s inside.
Talk to us about your protection
You don’t need to have decided what cover you need before talking to us. Whether you want a full review alongside your mortgage, or just want to understand your options, we can help.
Frequently Asked Questions
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If anyone depends on your income — a partner, children, or a joint mortgage — life insurance means they wouldn’t be left with the mortgage, or without money to live on, if you died during the policy term.
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Life insurance pays out if you die during the policy term. Critical illness cover pays a lump sum if you’re diagnosed with a specified serious illness, such as cancer or a heart attack — even if you go on to make a full recovery.
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It depends on your circumstances. It’s worth considering if you’d struggle to cover the mortgage and living costs while off work recovering from a serious illness. We can help you weigh up what’s right for you.
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It depends what your employer offers. Many people only get statutory sick pay after a short period, which is usually far less than their normal income — income protection can help fill that gap.
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Yes — your lender will usually require buildings insurance to be in place from the moment you exchange contracts, since the property is used as security for your loan.
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Yes — we can look at your mortgage and your protection needs together, so cover is arranged in a way that fits your budget and circumstances.
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This depends on things like your mortgage balance, income, outstanding debts and who depends on you financially. We’ll help you work out a level of cover that’s realistic for your situation.
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It depends on the type of policy. Level term policies keep the same premium and cover throughout, while other policies may have premiums or cover that change over time. We’ll explain the options when we go through your quote.