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Insurance

Introduction

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Insurance is a necessary evil. Some mortgage-related insurance cover is mandatory, such as buildings insurance. Some is optional, but recommended, such as contents insurance.

Some life insurance and income replacement cover is simple, and other types of insurance more complex.

When thinking about your own insurance, it is essential that you are not over- or underinsured, or paying too much for your policy.

Always compare the market and shop around on a regular basis for the best deals.

How To

How to avoid a flooding disaster

The threat of flooding is a now a serious concern with one in six homes at risk ...

Insure4you: Help finding the right insurance for homebuyers

Buying your own home can be an exhausting and expensive process, but luckily we ...

How to protect your income

You can protect against losing your income through disability, no matter how it ...

How to get the right home insurance

No lender will agree to give you a mortgage without buildings insurance - and co...

How to protect you and yours

Don’t forget to arrange insurance to protect your property and cover your mort...

How to insure your mortgage payments

Mortgage Payment Protection Insurance (MPPI) covers your mortgage payments in th...

Guides

Guide to life insurance

When you take out a mortgage, it makes sense to take out life insurance that wou...

Guide to renovation insurance

What is renovation insurance, who needs it and where do you get it?

Guide to Rent Guarantee Insurance

Rent Guarantee Insurance (RGI) can protect buy-to-let landlords against the risk...

Guide to buildings insurance

No lender will agree to give you a mortgage without buildings insurance.

Guide to using an adviser for insurance

Some insurance policies are easy to buy online or via the phone. But for more co...

Guide to contents insurance

Contents insurance is often sold alongside buildings insurance.

News

Mortgage borrowers under-insured by an average £45k

Mortgage debt exceeds the average life insurance pay out, according to Aegon, le...

Why it pays to take out critical illness and life cover

The myth that 'insurers will do anything not to pay' is belied by exceptional pa...

Protect yourself against the £850 average bill for water leaks

Each year people spend a total £707m repairing damage caused by water leaking i...

Protect your garden from thieves and vandals this spring

Over a quarter (26%) of those with a garden shed admit to leaving it unlocked, w...

Don’t make this £3,000 DIY mistake

Home improvers up and down the UK are at risk of paying out an average of £3,00...

Brits take risks by renovating homes without planning permission

Over half (57%) of UK homeowners say they’ve had extensive work done on their ...

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Five insurance tips for buy-to-let landlords

New landlords need to expect the unexpected when arranging insurance for their property. Follow our expert tips on what to look out for.

Critical Illness Insurance

Critical Illness Insurance (CII) pays out on the diagnosis of certain specified critical illnesses. Most policies will pay out following heart disease, a stroke, renal failure, cancer, paralysis, or a major organ transplant and coronary artery bypass surgery.

Guide to life insurance

When you take out a mortgage, it makes sense to take out life insurance that would pay off your home loan in the event of your death.

More from Your Mortgage

London property market takes a downturn

Demand for properties in London has fallen by 28% since February as people move further away from the capital to find homes which will fit their budget, research has shown.

Interest rates set to stay at 0.5% till November

Interest rates will not rise before the summer, and probably not until November, according to economists.

Help to Buy equity loan borrowers pay a quarter less for homes

First-time buyers using the Help to Buy equity loan scheme are paying a quarter less for their new build home, as the average purchase price under the scheme fell for the third month in a row.

Speak to an adviser

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Your Mortgage Guides

Guide to Offset Mortgages

Download our handy guide to offset mortgages, brought to you in partnership with Scottish Widows Bank

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Is your mortgage fully protected with critical illness?

For a free quote or to speak with an insurance expert call 0800 1218744