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Your health, your home and your car – these three things are essential to our day to day well being and quality of life for many of us. Personal insurance will protect you, your finances and your family, providing a safety net against the pitfalls of everyday life. Everyone is different and has their own specific needs and we can tailor an insurance policy to meet your own individual requirements, finding the right balance of specialist cover for you.

Almost a quarter of UK households now own more than one car, so it makes sense to take advantage of the savings available with multi-car insurance. Perhaps you are the proud owner of a luxury yacht, speedboat or a prestige car? You will want to protect your pride and joy with a specialist insurance policy.

Whether it’s your own home, a holiday home, you own an unoccupied property or you are a residential or commercial landlord, property is a huge investment and often the most expensive purchase you will ever make. Specialist property insurance will protect your investment and make sure you are financially covered for any eventuality, whether your home is flooded or your tenants do not pay their rent.

With a private health insurance policy you can see a private doctor promptly and the policy will take care of your medical bills. With no long NHS waiting list, you will receive treatment swiftly, which can make all the difference if you or your family have a health scare.

What does food and drink industry insurance include? As standard, you should make sure your food and drink industry insurance package includes: 1. Employer’s liability […]

A high value boat it is likely to be one of your most prized possessions, so you need to insure it suitably. A luxury yacht or speedboat with a powerful engine needs a different level of specialist marine insurance cover than a less powerful small boat.

Prestige cars are highly desirable, resulting in a higher risk of theft and damage. They can also be eye-wateringly expensive if you need a replacement part, so you should take this into account when you choose your specialist insurance policy.

A multi-car insurance policy offers the same cover as standard car insurance, but at discounted rates. The more cars you have on one policy, the cheaper the premium is. Insurers may also offer more favourable terms if there are more cars in the household than drivers.

‘GAP’ stands for Guaranteed Asset Protection – it is the difference between the price that you paid for your car and the amount that your insurance company would give you if your car was written off or stolen.

Fine art includes paintings, drawings, sculptures and objets d’art. Your collection might be worth more than you think, so it makes sense to insure it against loss or damage with a specialist fine art insurance policy.

Standard buildings and contents insurance policies will not cover you if your property is unoccupied for long periods of time. Specialist unoccupied property insurance covers your property against theft, fire or flood damage if it is unoccupied for more than 30 days.

Tenants can cause accidental damage to a rental property and they don’t have the same personal interest in your property as you do. Insure the contents of your let property against risks such as flooding, fire and theft with a specialist landlord contents insurance policy.

Also known as buy to let insurance, let property insurance is vital if you are a buy to let landlord, as a standard home insurance policy will not provide the cover you need.

Insure your high-value possessions against loss, damage or theft. Cover your jewellery, watches and fine art plus TVs, tablets and computers, with a bespoke insurance policy which will provide the specialist cover you need.

Imagine that you couldn’t work due to ill health or injury. How would you pay your rent or mortgage? Accident and sickness insurance provides financial protection if you are unable to work as a result of illness or injury.

Also known as family protection insurance, life insurance is a type of insurance which is designed to protect your family from the worst should you pass away. Money can’t take away grief, but it can relieve the pressure of additional financial stress at a difficult time for your family.

Family life is expensive, but you can’t put a price on the benefits of family health insurance. You can choose from many different levels of cover and plans to suit your own budget and the needs of your family. A policy will provide fast access to medical treatment for your loved ones, with no need to wait for an NHS appointment.

A private health insurance policy will cover the costs of your medical bills, from diagnosis to treatment and medication. From dental insurance to family health care, critical illness cover and personal accident insurance, you can choose a bespoke health policy to meet your needs.

Income protection insurance can pay out a monthly tax-free income to replace your salary whilst you are unable to work as a result of illness or injury. A variety of income protection policies are available which you can tailor to meet your own individual needs.

A type of insurance policy that pays out if you are diagnosed with a life-threatening illness or a condition which leaves you unable to work, critical illness cover provides a tax-free payment to cover your mortgage, bills and living expenses.