Insurance & Protection

Alongside our mortgage advice, SIMKey can help you find the right insurance and protection to safeguard your home and loved ones.

We’ll help you understand the cover you need, giving you peace of mind that mortgage payments and financial commitments can be supported if the unexpected happens.

With access to a range of leading providers, we’ll help you find suitable protection for your circumstances.

Policies can include:-

Buildings and Contents insurance can be split into two products:-

  • Buildings cover protects your house structure ie., the bricks and mortar against risks such as fire, flood, subsidence, earthquake etc.
  • Contents insurance protects your furniture and belongings (chattels), against all of the above and also burglary, theft etc.

Both of these policy types can cover just the basics or they can be extended to cover additional risks such as accidental damage, which would insure your possessions if someone spilt a drink over it by accident for example, or falling through the ceiling whilst in the loft.

Additional high risk items such as bikes and tools in sheds and jewellery and credit cards may be added too. Policy premiums will vary depending on the amount to be insured, your property post code area and the policy holders previous claims experience.

If you were unable to work due to an accident or long term illness, Income Protection would provide funds to a pre-agreed level of income until the end of the policy term or until you are able to return to work.

Critical Illness Insurance provides you with a lump sum upon diagnosis of a specified critical illness providing financial help in your time of need.

Mortgage protection can give you peace of mind if you’re unable to work due to illness, an accident, or redundancy. The right cover can help ensure your mortgage payments are met and your home is protected.

Most mortgages don’t include protection insurance, so it’s important to consider what cover is right for your circumstances. Options include Accident, Sickness and Unemployment cover or longer-term Income Protection.

The cost of cover varies depending on factors such as your age, location, occupation and the level of protection you choose. Our advisers can help you understand your options and find suitable cover.

For impartial advice about this type of insurance, please visit the website: www.moneyhelper.org.uk

Life Assurance provides cover in the event of premature death or diagnosis of a terminal illness providing a lump sum to ensure your mortgage will be repaid and the costs not passed on to your dependents or loved ones.

SIMKey will be able to refer any enquiries for business protection – please ask.

NB. As with all insurance policies, conditions and exclusion will apply.

To find further information on any of the above policies, please give us a call or complete our web enquiry form on the contact page [click here] and we’ll be happy to assist.