Generally speaking

For Household Insurance we usually offer products from a selected panel of providers. For Homebuyers, Marine and Business 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.

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.

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.