General Insurance

Whether you need home insurance, car insurance or health insurance, we can help.

We offer competitive rates and a range of optional add-ons.

Home Insurance (Buildings & Contents)

Buildings Insurance

If you have a mortgage, your lender will normally insist that you have buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages.

You might be offered buildings insurance when you take out your mortgage, but you are not obliged to take it.

If you purchase a leasehold property (such as a flat in a block of flats) the freeholder may have arranged buildings insurance for the whole block, in which case you may not need your own buildings policy.

Contents Insurance

This covers the loss of or damage to the contents of your home, including your furniture, electrical goods and other items within your home, and also items you take outside such as cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you will be covered against theft and fire, and have the option to insure against damage you may cause by accident.

If not already covered by your contents insurance, you may want to consider travel insurance for loss or damage to your personal belongings while travelling.

Motor Insurance

You must have basic motor insurance to drive a motor vehicle. Some policies cover the replacement or repair of your vehicle, depending on the circumstances of an accident. You can choose from three levels of cover:

  • Third party – this is the minimum legal requirement and covers you if you injure a third party, including passengers or their property, but does not cover damage to your own vehicle.
  • Third party, fire and theft – covers third party injuries and liabilities, and also fire and theft to your own vehicle, but not accidental damage to your vehicle.
  • Comprehensive – as well as the above, this will cover fire, theft and accidental damage to your vehicle.

Health Insurance

Insurance can cover your health, either at home with private medical insurance, health cash plans and dental insurance, or abroad with travel insurance.

Every UK resident is entitled to free healthcare from the NHS, but you might consider buying health insurance so that you can have a choice in the level of care you receive. You don't have to take out health insurance but do think about how you would be able to afford medical treatment if you did not want to use the NHS.

There are many different insurance products aimed at helping you soften the financial blow of medical expenses. Some offer medical cover while abroad (travel insurance), some offer access to private care treatment (private medical insurance), and some pay a limited amount towards everyday medical bills (health cash plans).

Your employer may offer some of these in your benefits package, or you can take them out yourself.

You can choose from the following:

  • Private medical insurance
  • Health cash plans (including dental insurance)
  • Travel insurance