protection & insurance
Protect the home you’ve worked so hard for.
Getting the keys is the beginning, not the end. The right cover (sometimes called mortgage protection insurance) means that whatever life throws at you — illness, injury, or the loss of someone you love — your home and your family are looked after. We explain your options in plain English, with no pressure and no jargon.
Award-winning
Paula Bingham
Director & Senior Mortgage & Protection Adviser
“Peace of mind, sorted properly — and explained in plain English.”
Your home may be repossessed if you do not keep up repayments on your mortgage.
a mortgage is the start, not the finish
Most people insure the car and the phone.
Yet the home you live in — and the income that pays for it — are far more important. Protection is simply a way of making sure that if things go wrong, your family can stay in the home you’ve built together.
When you talk to us, you’re talking to a real, named adviser who’ll take the time to understand your situation — your family, your budget, and what would actually keep you up at night. Nothing you don’t need; nothing left exposed that matters.
you’re in safe hands
A small, genuinely human firm — where a named adviser actually answers.
We’ve helped families across the UK put sensible cover in place — and feel properly protected.
309+
five-star reviews from people who arrived anxious and left reassured
Award-winning
advice — including a win at the Personal Finance Awards
Named
advisers who take the time to understand your family and your budget
Wide panel
of insurers compared — so the cover fits you, not the other way round
the main types of cover
Explained simply.
There’s no one-size-fits-all answer — most people end up with a sensible mix. Here’s what each type does, in everyday language.
Life cover
Life insurance — often called life cover — pays out a lump sum (or a regular income) if you die during the policy term. For most homeowners, the idea is simple: if the worst happens, the cover can clear the mortgage so your family can stay in the home — without the burden of repayments.
Read our guideCritical illness cover
Pays out a lump sum if you’re diagnosed with one of the serious conditions listed in the policy — things like certain cancers, heart attacks or strokes. The money is yours to use as you see fit: clearing the mortgage, paying for treatment, or simply giving yourself time to recover.
Read our guideIncome protection
Replaces part of your income as a regular monthly payment while you’re unable to work through illness or injury. It helps you keep up with the mortgage and everyday bills until you’re back on your feet — one of the most overlooked, and often most valuable, types of cover.
Read our guideBuildings & contents
Together, these two are what most people mean by home insurance. Buildings insurance covers the bricks and mortar against fire, flood and storm — most lenders insist on it before completion. Contents insurance covers what’s inside: furniture, electronics and the everyday belongings that would cost a small fortune to replace all at once.
Read our guidein short
A sensible mix that fits your family — and your budget.
We’ll help you decide what you actually need, and leave nothing important exposed.
why it matters
The time to arrange cover is while you’re fit and well.
It’s easy to put protection in the “I’ll sort it later” pile. But it’s harder, and often more expensive, to put in place after something has already gone wrong.
Your biggest commitment
Your mortgage is probably the biggest financial commitment you’ll ever make, and your ability to earn is what pays for it. Protecting both means that a difficult year doesn’t have to become a lost home.
- You can match life cover to your mortgage so it reduces as your balance does — or keep it level to leave something extra behind.
- For most people, savings run out faster than they’d like to think, and employer sick pay doesn’t last forever — which is where income protection earns its keep.
The peace of mind
That’s really what we’re here to give you. Cover in place means you can get on with life knowing that if the worst happens, your family won’t face it alone — or face losing the home on top of everything else.
Which conditions are covered, and to what degree, varies between insurers — so the detail matters. That’s exactly the sort of thing we’ll help you compare, in plain English, before you decide anything.
how we tailor it to you
We don’t start with a product. We start with you.
No two families need exactly the same cover — so your advice is built around your life, never a script.
-
We listen first
We ask about your mortgage, your income, your family and what would worry you most if things changed. No silly questions — nothing is too small to mention.
-
We compare a wide panel of insurers
As an Appointed Representative of HL Partnership Limited, we have access to a wide range of insurers and compare options to find cover that fits your needs and budget.
-
We explain the trade-offs
More cover costs more; cheaper isn’t always better. We show you the choices in plain English so you can decide what feels right for you.
-
We’re honest about cost
We always explain any fees clearly and upfront, before you commit to anything — so there are never any surprises.
-
We’re here afterwards too
A new baby, a bigger mortgage, a new job — life changes. We help you review your cover so it keeps pace with you over the years.
- Book a meeting
ready when you are
A short, friendly conversation is all it takes.
common questions
Answered, honestly.
Do I really need life cover if I already have some through work?
Possibly not as much as you think — but it’s worth checking. Death-in-service benefit through an employer is usually a multiple of your salary, and it normally ends if you leave or change jobs. It may not be enough to clear your mortgage on its own. We can review what you already have and help you decide whether you need to top it up with your own policy.
What’s the difference between critical illness cover and income protection?
Critical illness cover pays out a one-off lump sum if you’re diagnosed with one of the specific serious conditions listed in your policy. Income protection pays a regular monthly amount if you’re unable to work due to illness or injury, for as long as the policy allows. Many people benefit from both — one handles a major diagnosis, the other handles the everyday bills while you can’t earn. The right mix depends on your circumstances.
Is buildings insurance a legal requirement?
It isn’t a legal requirement in itself, but mortgage lenders almost always make it a condition of your loan, and you’ll usually need it in place before completion. It protects the structure of your home so it can be rebuilt or repaired after events like fire, flood or storm. We can point you in the right direction so you’re covered in time.
Will my protection policy definitely pay out?
Reassuringly, the vast majority of claims are paid — UK insurers paid out on 96.9% of new protection claims in 2024, a record £8 billion in total (Association of British Insurers, July 2025). A policy pays out when a valid claim is made that meets the terms and conditions of the plan you hold. That’s why it’s so important to answer the insurer’s questions fully and honestly when you apply, and to understand exactly what is and isn’t covered. We’ll go through the key terms with you so there are no surprises later. Any payout always depends on the policy terms and your individual circumstances.
How much does protection cover cost?
It varies a lot — your age, health, lifestyle, the type and amount of cover, and the insurer all play a part, so there’s no single figure we can quote here. The good news is that cover is often more affordable than people expect, and we can compare options to find something that fits your budget. Book a meeting and we’ll give you a clear, personalised idea of the cost.
ready to protect what matters most?
Peace of mind starts with a chat.
A short, friendly conversation is all it takes to find out where you stand. No obligation and no jargon — just clear, honest advice from a local team that genuinely cares.