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Insurance FAQs

Arranging insurance policies can be a complex and confusing. We’re here to make it simple and straight forward.

Browse our Insurance FAQs below. If you don’t see an answer to your question please call the office on 01780 480600 to speak to a member of our team.

Insurance Questions


Do I have to take insurance?

If you have a mortgage, the only mandatory insurance is buildings. However, whether you have a mortgage or not, you should always consider personal protection. If you are single, look at protecting your income should you be unable to work due to an accident or sickness. Protect your independence and make sure you can always continue living in your own home. If you are reliant on a partner or have dependents, ensure you consider life and critical illness cover to provide security and peace of mind for family and loved ones.

What types of insurance are there?

Most common types are life cover, critical illness cover, income protection, family protection and home insurance. We will help you understand what type of insurance is right for you, provide a personal protection solution along with the monthly cost involved.

Do you charge a fee for insurance?

No we do not charge a fee. If you would like to review your insurance provisions or discuss the options available, please call us and speak to one of our advisers.

What if I have a medical condition?

Buying the right insurance policy at an affordable price can be tricky if you have a disability or health condition. It is important to disclose all the medical history at the time of application and the underwriter will then assess the risk. You may still be able to obtain the cover for a higher cost, known as a loaded or rated premium. The provider may impose a specific medical exclusion, whereby the policy would not pay out in a certain event. The provider may also choose to postpone or defer acceptance should there be medical tests/investigations outstanding. In some cases they may refuse to offer the cover, but we would always recommend that you try to obtain cover before making an assumption that you can’t get it.

Which insurance companies do you use?

We use several insurance providers, and we are not tied to a panel or a single provider. We offer insurance providers that represent the whole market; Aviva, Royal London, Aegon, AIG, Exeter, L&G, Zurich, LV, Scottish Widows, Vitality, Canada Life, Guardian and Holloway Friendly.

How much will insurance cost?

This will depend on your personal circumstances. There are several factors that will affect your monthly premiums; type of policy, how much cover you need, the term required, your age, your lifestyle, your medical history and occupation.

What are support services?

Some insurance providers provide additional features within your policy. For example 24 hour GP helplines and appointments, counselling, nutritional and fitness advice, annual health checks. All of which are invaluable support that cannot always be financed yourself when needed.

What is children’s critical illness cover?

Typically, a feature that can be added onto your critical illness insurance. If your child is diagnosed with a critical illness during the term of your policy, a lump sum is paid to help your family through the difficult time. Whether it allows a parent to take time off work, help with transport costs and treatment, purchase specialised medical equipment, or arrange a memorable experience.

What is global treatment?

Global Treatment is an additional feature that can be added to your insurance and is limited to certain providers. If taken it is a medical benefit that gives you more options, if you require specific treatment for one of the serious critical illnesses covered under the policy. Global Treatment gives you access to the latest medical treatments and specialists for treatment in a hospital outside of the UK. It will not only cover the costs, but also help with the organisation of travel arrangements and accommodation for you and a companion.

What is Best Doctors?

Best Doctors is an additional feature that can be added to your insurance and is limited to certain providers. If you include Best Doctors, you and your family will have access to a network of medical experts who can help you make important medical decisions with confidence. You are able to receive a second opinion, an expert medical report and have a team of people to help with any questions you may have at a time of uncertainty.