Home & Personal Insurance – Not all insurers are the same and we at b-advised ltd can source the market to find you the best value deals and that’s not the end of the service, have a claim we will of course be there to help. Lots of comparison web sites are focused on the price and neglect the advice you may need to find the best value plan.
In the event of home or personal insurance claim (that is the true test of the value) are you prepared to be disappointed?
Although exact coverage and policy limits vary, Home insurance usually covers damage caused by the following events/catastrophes:
With accident, sickness and unemployment policies, you pay for an amount of monthly cover – usually up to £1,500 – and if you lose your job or can’t work due to an accident or an illness, you get that amount of money each month to spend how you like. Policies usually pay out for up to a year or until you return to work, whichever happens first.
Who is eligible for cover?
Anyone can apply for an accident sickness & unemployment policy so long as you are over 18 and under 60 and you normally reside in the UK, Channel Islands or the Isle of Man. You must also be in employment or self-employment for at least 16 hours per week and have been so for the last 6 months.
You can start claiming your income protection typically after just 60 days of being off work through illness or an accident as certified by your doctor. You can select to cover typically any amount up to £1,500. You can claim your daily income protection from just 60 days after you cannot work through sickness or an accident (or unemployment, if chosen) and continue to claim for up to a full year. As with other forms of personal protection insurances (e.g. life insurance, health insurance) premiums will gradually increase as you get older in line with the rates quoted.
b-advised Ltd is authorised and regulated by the Financial Conduct Authority FCA number 846361.
Registered in England and Wales/Company No.6752417
Head Office Metropolitan House, Longrigg Road, Swalwell, Tyne & Wear, NE16 3AS
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some of the products/services are not or may not be regulated by the Financial Conduct Authority.
THERE MAY BE A FEE FOR MORTGAGE ADVICE. THE AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.
OUR TYPICAL FEE WOULD BE £495 FOR MORTGAGES AND £995 FOR EQUITY RELEASE.
AN EQUITY RELEASE PRODUCT WILL REDUCE THE VALUE OF YOUR ESTATE, WILL NOT BE SUITABLE FOR EVERYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFITS. TO UNDERSTAND THE FEATURES AND RISKS PLEASE ASK FOR A PERSONALISED ILLUSTRATION.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE FUNERAL PLANS.