Some insurance is a legal requirement when you get a mortgage. Some is just strongly advised. Understanding what kind of insurance you need, ensuring you’ve got the right level of cover and not paying a penny more than you have to can be a difficult balancing act to get right. It’s a complex area and the policies and the jargon used can add to the confusion.

That’s where our Cambridge based brokers can help. We can scour the market to ensure the best, up to the minute deals are available to you. Buildings or content insurance, which ever you need we guarantee our experienced team will offer you the perfect policy package. We will speak in language you will understand and with over 75 years’ industry experience, our team can answer your questions and offer advice whenever needed.

Our team of specialists will:

Understand the specific insurance requirements of your mortgage lender – our knowledge is second to none

Explain the policy options available to you and advise on the most appropriate one for you – impartial advice is our guarantee

Ensure that you only take out and pay for the cover you need – we aim to save you money

Additional benefits

Independent advice We’re completely independent, we have no allegiance to specific underwriters or brokers - just you. This means we can offer the best impartial advice resulting in the best deal for you.
Better deals We have access to a wide range of insurance brokers, many offering exclusive products that aren’t available online or on the high street.
Tailor made We search the market high and low to bring you products that match your needs exactly. Offering a bespoke, personal service is crucial to ensuring customer satisfaction.
Flexible appoinments We’re not just 9-5 and will fit meetings around your busy lifestyle. You can either meet us at our office in Cambridge or we can come and see you.
Peace of mind We are authorised and regulated by the Financial Conduct Authority, which means we act with integrity and your best interest are at the heart of what we do, at all times.

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Why using an adviser for insurance cover is worth the investment.

It is very common for people to turn to comparison sites to research life cover and home insurances.  It’s easy and convenient, but you may be unaware of the consequences of getting the wrong type of cover. If you don’t know what you’re looking for, you’ll usually be offered fairly generic polices.

If you want a policy that meets your individual circumstances, it is always a sensible idea to seek expert advice. An independent adviser can give you guidance on the products that best suit your needs and discuss options within your budget.

Here are a few reasons why going to an adviser for your protection is a smart decision:

  • Understand your options better: Insurers won’t always offer you every type of cover when you go directly to them. Advisers can help point out the types of cover available from the insurers and help you to work out what you need.
  • Obtain the correct cover: An adviser will ask you about your personal circumstances to find you the right policy. They will also be able to tell you if you’re already covered by your existing insurance policies so your covers do not overlap, and they will often get you a good deal by comparing prices and product features.
  • Receive specialist advice: On comparison sites you might not find cover for an area you need cover for – like income protection – that needs to be tailored to suit your needs, or a critical illness policy if you have a specific medical condition.
  • More easily complete the medical underwriting process: Everyone is medically underwritten for insurance. This means that on application you’ll be asked a series of medical questions to determine your health and the level of risk you present to the insurer; and sometimes insurers require further medical evidence in the form of a GP report or a medical exam. This is where having an adviser is useful, as they can guide you on the best provider for you given your disclosures. An adviser can also manage your expectations on time frames and the potential outcome if it is something that may affect what you are offered (an exclusion, or an increased premium for example).