Bespoke Mortgages

That means finding the right insurance cover (mortgage protection) for the situations that could result in it being repossessed. Such polices protect against various risks by paying lump sums that can pay off the mortgage, monthly amounts to help you keep up the mortgage payments or specific amounts for the repair of damage to the building itself.

Life Cover

Pays a lump sum if you die within the term of the policy.

Critical Illness

Pays the lump sum if you're diagnosed with a critical illness or permanent disability. Insurers define these conditions in different ways. We'll explain the differences, so you know precisely what's covered.

Accident and Sickness

Pays you an agreed monthly amount, for up to two years, if you can't work because of an accident or sickness.

Income protection (PHI)

Takes over paying an agreed monthly amount if you still can't work after the period covered by accident and sickness insurance. Payments continue until you return to work or reach retirement age.

Unemployment

Pays an agreed monthly amount if you are made redundant through no fault of your own.

Buildings

Pays for the repair of damage to the property caused by events such as fire, flooding and subsidence.

Contents

Pays for the repair or replacement of household possessions damaged or lost through the same three events or from burglary. You can also cover accidental damage (even red wine spilled on the sofa) and belongings outside the home.