Generally speaking

For Household Insurance we usually offer products from a selected panel of providers. For Motor, Holiday, Caravan, Homebuyers, Marine, Business and Pet Insurance we act as Introducers only.

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.

Home Buyers Insurance

Purchasing a home is one of life's more stressful activities. The process is expensive, fraught with difficulties and if anything goes wrong, the buyer always seems to end up picking up the bill. However, this has changed, thanks to Insure-Me part of CETA, with a new legal expenses product, the Home Buyers Protection Policy.

For a one-off premium, home buyers will have some come back against their professional advisers if they are negligent. For example, against the solicitor who misses vital information when conducting a local authority search, valuers who overlook structural defects, builders who will not stand by a warranty they have given, removal firms that do a bodge job and even utility companies who fail to connect vital services on the moving day. They will also be insured against unexpected actions taken by the vendor of the property.

The Policy, which must be taken out by a buyer prior to contracts being exchanged, covers the purchase of a main residence anywhere in the UK. The policy lasts for 12 months and will allow purchasers to pursue claims for damages up to a maximum value of £25,000 if their property purchase does not proceed smoothly. There is a policy excess of £100.

The Home Buyers Protection Policy will enable claims to be made against:

• The vendor of the property including taking legal proceedings to obtain vacant possession in the event of continued occupation by the vendor
• The mortgage lender
• The property valuer acting on the purchaser's behalf or on behalf of the mortgage lender
• The solicitor or licensed conveyancer acting for the purchaser
• A builder providing a warranty on the home or any built in domestic appliance
• The public utility responsible for the connection of electricity, gas, water, sewage or telephone services
• The removal firm contracted to move household possessions

Marine

Insurance can be arranged according to the class of your boat.

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.

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