If you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance.

It covers the loss of or damage to the contents of your home. This includes your furniture,electrical goods and other items within your home.

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness.

A Mortgage Payment Protection plan is designed to ensure that you are able to continue to make your mortgage (and other related expenditure) payments in the event of accident, sickness or unemployment.