In day to day life, we do everything possible
to provide for and protect our families. Have
you considered what could happen to your loved
ones if you became seriously ill or were no
longer around to provide for them? There are
a number of insurance options available to you
to ensure your family can cope financially should
anything happen to you.
Whether you wish to consider a whole of life
policy, critical illness cover or income protection,
we can find a solution that is cost effective
and can provide you with peace of mind should
the worst happen.
We can provide you with a competitive home
insurance quote from a range of insurance companies.
Cover can be arranged for Buildings Insurance,
which protects the structure of your home, and
Contents Insurance, which protects your personal
belongings from damage or loss.
There are a number of home insurance requirements
that you need to consider:
- Sum Insured - for Buildings Insurance, the
sum insured should not be less than the cost
of rebuilding your home, including professional
fees. You need to satisfy yourself that you
are not underinsured.
- Accidental damage - your home contents can
be insured against the risk of accidental
- No Claims Discount - insurers award a discount
off of their normal premium tariff based upon
the number of complete policy years you have
remained 'claim free'.
- Voluntary Excess - An excess in a policy
is the amount of any claim, which you are
responsible for. In addition to the mandatory
excess applied by your Insurer, it is possible
to reduce your premium by selecting a higher
- High Value Items - It is possible to specify
particular higher value items within your
policy to ensure that they are adequately
protected. It also permits the insurer to
decide whether an additional premium needs
to be charged in respect of specific high
We can advise on all of these areas and arrange
cover that is sufficient to meet your needs
Please contact our Saltcoats office on 01294
464301 to make an appointment with a member
of our Financial Services Team.