Generally speaking

General insurance is important for your peace of mind. It enables you to minimise the effects of unexpected and often unwelcome future events, and helps you to organise your personal and business life with greater confidence.

Motor

All motorists must be insured against their liability for injuries to others (including passengers) and for damage to other people's property resulting from use of a vehicle on the road. It is an offence to drive your car or allow others to drive it without insurance.

Holiday

We all love our holidays, but what if you fall ill or have an accident; you could have money or luggage stolen; your holiday might be cancelled or cut short through injury or illness; you might have a road accident or have your car stolen. All these risks and more can be covered by a holiday insurance policy. If you take your car abroad you can extend your UK motor insurance policy.

 Caravan

Caravan Protector offers a fully comprehensive 12 month insurance that will cover loss or damage by accident, fire, theft or attempted theft, vandalism, storm or flood; cover applies whilst the caravan is static or being towed.

Household

You need to consider two kinds of household insurance policy. Buildings insurance, which covers the structure of your home and any fixtures and fittings, and contents insurance, which covers all the furniture, furnishings and the like in your home. In fact, it covers anything you would take with you if you moved.

The sum insured under a buildings policy must be the full rebuilding cost of your home. As well as covering you against a long list of 'risks' (including fires, subsidence, theft, flood and storm) both types of policy include an important 'liability' section. This pays for compensation if you are successfully sued.

Business insurance

There are many aspects of business insurance to consider, including: buildings and contents, employers liability, professional indemnity, book debts, loss of money, public/products liability, goods in transit, deterioration of stock, consequential loss, all of which could affect offices, factories, vehicles and staff. Legal expenses insurance may also be worth considering.

Pet Insurance

Quality pet insurance for cats and dogs at affordable prices. The Pet Health Insurance plan provides a host of benefits with extremely competitive rates.

There are four levels of cover from which you choose