Additional benefits of General Insurance

Whether you live in a one bedroom flat or a five-bedroom detached house, you’ve worked hard to make your house your home, so it’s important to have the correct protection in place in case something should go wrong.

Though you might believe the unthinkable would never happen to you, what if it did?

Firstly, if something were to happen to your home, would you be in a position to afford moving into some form of house or temporary accommodation and continue to pay off your current mortgage? How would you survive financially during such a stressful and emotional time?

And secondly, you can actually enhance your general insurance policies with some added extras to tailor your cover to suit your personal needs and to add some real value to your policy. So it might be worth considering your options.

What are some of the additional benefits?

Home Emergency Cover

It’s the middle of winter and your boiler has stopped working, what do you do? Adding Home Emergency Care to your policy can provide you with immediate assistance from professional tradesmen in your time of need. From broken boilers to leaking roofs, Home Emergency Care can give you the peace of mind you deserve.

Accidental Damage

Accidental Damage can cover you from the unexpected and the unintended. It can provide you cover for your building as well as your contents. So, if you’ve spilt some wine on your carpet or knocked over an expensive ornament, Accidental Damage will have you covered.

Personal Possessions

You can also bolster your general insurance with Personal Possessions. This add on is particularly valuable in today’s society as it can cover your personal belongings while you’re out and about. It covers you for anything portable from phones and laptops to jewellery and pedal bikes if they’re lost, damaged or stolen.

Family Legal Protection

Family Legal Protection is designed to help you through what can be difficult and often stressful times. Adding Family Legal Protection to your policy can give you peace of mind knowing that if a legal problem, like Infringement of your Property Rights, Property Damage, Identity Theft or other legal problems do occur, solicitors will be there to support you and give you expert assistance and support.

While this is only a brief overview, there are in fact a number of other additional benefits that you can add to your general insurance policy. It can become quite confusing, which is why using an adviser can be incredibly invaluable, they will be able to find you the cover and added benefits that works for you and your personal circumstances and provide you with the peace of mind you deserve.

If you want to find out more about the additional benefits you can add to your general insurance policy, contact one of our advisers today.

Should you use comparison sites for general insurance?

When looking for general insurance it’s easy to open up your laptop, head straight to a comparison website, enter your details and take out the cheapest option for cover. However, the cheapest option may not always be the best!

Remember that comparison websites will try to hook you in by showing you lots of cheap prices but it’s important to know that these policies might not be such great value. They might have a high excess, meaning that you will have a bigger financial outlay at the point of claim, or they simply might not provide the cover that’s right for you and your personal circumstances.

Unlike an insurance broker, comparison websites do not give ‘regulated advice’. This means that they only provide you with product information, and not whether the policy you are purchasing has the correct type and level of cover suitable to you as an individual.

Comparison websites are also not normally suitable for complex insurances cases; comparison sites normally only feature ‘standard products’ and won’t necessarily take your personal circumstances and needs into account.

Because they don’t give advice, any questions you might have about an unusual home, property or belongings you would like insured are unlikely to receive an answer through a comparison site which is why using an insurance broker can be invaluable.

Using a broker will give you access to expert advice, they will be able to give you guidance on the products and policies that best suit your personal needs.

A broker will ask you about your personal circumstances to find you the right policy – they’ll also be able to tell you if you’re already covered by your existing insurance policies so you don’t overlap, and they will often get you a good deal by comparing prices and product features.  

As well as this, comparison websites won’t give you access to specialist providers whereas using a broker will. They can provide bespoke cover, so if you need to insure something of high value high-value like a unique antique or an expensive piece of art an insurance broker will know how to help.

If you would like to talk through your general insurance options, contact one of our advisers today!