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Our free and impartial information service aims to provide you with the answers that are important to you: We're convinced we can save you money each month - just compare our quotes for your insurance and financing needs. (Get those credit cards sorted out now). Specifically for the UK insurance market to help home owners throughout Scotland. We aim to make this site as informative and useful as possible. Thank you for using us.

Home insurance and Personal Insurance needs in the UK

Life insurance

When you own a property and have a mortgage (in the UK) you will have an insurance requirement. Even if the benefactor is not a member of your family, your bank will usually insist that you have adequate life cover to ensure the secured loan or mortgage on your property is repaid in the unfortunate event that your life is taken.  Again, there are so many (tens of thousands) of businesses and policies out there in the UK insurance market that will try to get hold of your hard earned cash to cover this need.

Simply take a few minutes to complete this form to get an comparitve analysis on Home insurance policies to give you the first informative sample that you will need.  This comparison is taken from some of the UK's leading finance houses and use this information to help with any other companies you contact about a home insurance quote.

I guarantee that by shopping around you will find a huge variety of charges that will leave you gasping.  Always read the small print on life insurance payout terms and conditions, you'll be surprised at what you are not covered for on some policies - you may not even realise that you are in breach of their terms!

Home Insurance - did you know? if you've received a renewal quote and you didn't register online - that your renewal quote from the same company may be upto 15% MORE than if you registered as a new client with the same company online!!!! try our comparison now

As with Life insurance home insurance is compulsory should you have a secured loan upon your property. Home insurance is designed to protect you against the destruction of all or part of your home (there will be exceptions to this, always read your policy).

Also, you will want to be insured against theft or perhaps even accidental damage to items within your property.  Again, insurance quotations will vary hugely on this matter and so start by getting a comparison now.  By getting the likes of moneysupermarket.com to compare thousands of policies for you, you are of to a really good start when it comes to getting the best deal for you.

When should you take out your insurance?

Well, once missives have concluded on a property purchase (if you are the purchaser) then you should have adequate insurance from the missive conclusion date.  Why?  well, the conclusion of missives means that you are legally obliged to buy that property and would you really want the house you are buying to burn down and for it not to be insured by the existing owner?   Hmmmmm, ask your solicitor to advise on this matter prior to the missives concluding and they will help you decide what to do and when to do it.

Mortage protection insurance

Mortgage protection insurance is usually designed to help you cope with a long term or terminal illness or redundancy.  Policies will vary dramatically in cost depending on the level of cover you require.  Just think about if you were made redundant or took ill health - how much income would you need in order to meet your basic financial commitments?  It's quite scary how much you will need and it will cost you in order to get the best cover for you.  Always get several quotes for this type of insurance and always read the small print.  Sometimes, if you have been to a doctor for a health checkup ( even if you are pronounced healthy) this must be divulged to the insurance company who will make a decision and alter your premium accordingly.

Always answer your health insurance policies honestly and be aware of what you are legally allowing your insurance company to do eg. you may have to grant them permission to review your medical records or ask questions about your immediate family and their health.  This can be quite a daunting task but should you be unfortunate enough to have to utilize a policy, it can provide a huge benefit to you.

No matter what type of insurance you are looking for, it is always, always, always, worthwhile shopping around to get the best deal for you. REMEMBER THIS: The best deal for you may NOT be the cheapest policy - always, always read the small print - get a quotation now:

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