When thinking about protection, many things spring to mind….. Helmets, PPE, family planning.. But protection in the mortgage world is ensuring you can pay your bills, your mortgage included, if your income stops. It could stop because you can no longer work due to injury….
This is only too familiar for Stuart, one of the directors. An avid mountain biker who has been told over the years to either ‘grow up and stop riding bikes’, or ‘take lessons’. Over the 30 + years of taking parts in races and riding he has had a broken wrist, broken ribs, broken elbow, fractured shoulder … which as you can imagine, can be rather disruptive, not just in daily tasks but actually getting to and from work, using a laptop etc.
However, it doesn’t have to be an injury that stops your income, it could be diagnosis of a life changing illness or even death. Protection is making sure you, or the people you leave behind still can stay in the property for as long as desired.
Understandably, many people have concerns with any form of insurance such as ‘it wont pay out’, ‘its expensive’, ‘do I need it’. Whether it will pay out or not, is not for us to decide. But clearly taking out insurance to cover you in the event of injury as an ‘office worker’ but you are actually scaffolder or stating you take part in outdoor activities and regularly throw yourself off a cliff as a base jumper will all make a difference.
Amanda’s role is to get to know you, understand the cover you need and come up with an affordable solution.
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For Businesses: Do you have questions about how our advisors can help your company? Send Amanda an email and she will get in touch or phone 0121 448 0161 between 09:00 and 17:00 on Monday to Friday and she will be delighted to have a chat with you.
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If you’re looking for advice and you would like to discuss the options available or would just like to know what’s possible, then please don’t hesitate to contact us.
Call us on 0121 448 0161 or you can arrange a chat with our insurance advisors here.
Insurance provides financial protection against unexpected events, such as accidents, illnesses, natural disasters, or property damage. It helps individuals and businesses mitigate the financial risk associated with these events.
To choose the right insurance policy, assess your needs, evaluate coverage options, compare quotes from different insurers, consider the reputation and financial stability of the insurer, and review policy terms and conditions carefully.
Insurance premiums are influenced by factors such as age, gender, health status, driving record, location, coverage limits, deductibles, and the type of insurance policy.
Yes, you can typically cancel your insurance policy at any time. However, there may be cancellation fees or penalties, and you may lose coverage if you cancel before the policy term expires.
We pride ourselves in working with our customers as transparently and honestly as possible, so if you have any questions then please don’t hesitate to contact us and we’ll be happy to answer any queries that you may have. Simply click the button below to submit a contact form or ring either our Birmingham office on 0121 448 0161 or our Tamworth office on 01827 230 760.
