Our home insurance specialist, Sophie McMillan, shines light on the dark arts behind the cost of your insurance premium

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If I had a pound for every client that asks me 'why is it so expensive… my last policy was way cheaper than that' I would be a very rich woman! There are so many factors taken into consideration, by the insurance company, when the wizards that be work out your insurance premiums. Most of them you know, for example, the age of your propert...
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Don’t Underestimate the Value of your Belongings

Sophie-McMillan
Our adviser Sophie McMillan explains the mistakes many people make when looking to insure their home: Did you use the purchase price of your property when choosing the amount your home should be insured for? Did you decide you only have 10 thousand pounds worth of contents in your house? These are two very common, very real examples of mistakes peo...
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Planning for the unexpected!

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Do you worry what would happen to your family if you or your partner were to suddenly lose your job, become seriously ill or even die? How would you pay your mortgage, day to day bills and manage financially during a period of emotional distress? Protecting those you love could be more affordable than you think A Family Protection insurance policy ...
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The world is changing – so should your insurance!

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The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your policy provides adequate cover for your changing needs. U...
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Protecting you and your family...

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Losing your partner at any stage in life can be devastating, but it may be particularly devastating when children are involved because of the financial pressures of raising a family. Ensuring your children and other dependants are provided for in case you die should be a top priority but less than a third of people in the UK have life insurance. Ke...
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It's Time to Think about Life Insurance

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If you have dependants – people who rely on you financially – then you should have life insurance. In fact, if you have dependants and don't have life insurance, you are exposing them to grave financial risk. And who would want to do that? Life insurance tends not to feature on 'to do' lists because it makes us confront uncomfortable questions, suc...
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