For descriptions on each of the types of cover, visit the sections above under Personal Insurance
Why have insurance ?
Buying insurance is common sense.
It is protection against the risks that can confront you every day, like a simple accident, critical illness or general bodily wear and tear that requires medical attention.
Fate can strike at any time; insurance is your safeguard against loss, damage or injury.
Imagine you wanted to go to work, but couldn’t because your health had failed you.
It may take months or even years to be treated via the Public Health System. The effects that waiting can have on you and your family can range from just being inconvenient to being totally devastating.
Have a look through these pages which may be of interest and if you would like to know more or chat about a quote that can fit your budget, feel free to contact us.
What's important to you ?
Make a priority list.
For example:
- In case of death would your debts be covered or would dependents need to meet monthly expenses?
- If you suffered a traumatic event and survived, how would you cope financially when back at home ?
- If you were made redundant or couldn't work due to illness or disability, would your mortgage be paid for you?
If you had a major health issue, would you be relying on the public health system and potentially long waiting lists ?
Financial stability of the insurer.
Research the insurance company and their rating.
This is important as you must be comfortable that the provider is financially stable and can pay out on claims if need be.
Investigate the company’s track record for handling insurance claims.
Ensure you are buying insurance for the right reasons - not just because is seems cheap.
