General Insurance & Protections

At Simpson & Marwick we want all of our clients to feel secure in the future.  So, we can advise you on your home-related insurance requirements too.  This includes critical illness cover, life insurance, and buildings and contents cover.

Below you will find an overview of each type of insurance cover, which can be arranged via Simpson & Marwick Financial.

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Looking after our loved ones Life insurance

Life can be unpredictable, and we don’t always know what is around the corner. That’s why we at Simpson & Marwick Financial can provide a free protection review for all our clients.  We want our clients to have access to the right products and advice free of charge.

Life Insurance or serious illness cover does not have to be expensive.  What you pay depends on your age, health, lifestyle, smoking habit, policy length, and the amount of money you want to cover. Typically, if you’re younger, fitter and healthier, insurance is cheaper.

If you would like to discuss your options in more detail, please contact us at Simpson & Marwick Financial.

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Why protection matters

The challenging thing about preparing for death or a serious illness is, no matter how organised we are, we still won’t know when it’s coming.

It is understandable why people are reluctant to go there, we don’t like to contemplate the end of our lives, or that of our loved ones. Every single death touches numerous people, partners, family members, friends, colleagues, or neighbours.

You can look to mitigate the effects of sudden death or serious illness. Life insurance can be a good choice. This is particularly important if you have children or other dependents, or if you support a long-term partner.

Life cover can prevent your loved ones from being stuck with the burden of repayment they can’t afford or dealing with the sudden financial shock that comes from losing the primary earner.

Before you start thinking about funeral plans, and how you would say goodbye to your loved ones, it is important to start thinking who would suffer financially if you died or became seriously ill.

  • Who would be impacted?
  • How long would our savings last?
  • How would I pay for my children’s school fees or for higher education costs?
  • Will we have enough to repay the mortgage and car loans?
  • Would I return to work?
  • How much cover do I need?

Life insurance & illness

At Simpson & Marwick Financial, we will arrange for you to sit down with an expert to understand what’s important and build a package around the needs of you and your family ensuring flexibility within the policy. And when you discuss these arrangements, we can also ensure you have the correct professional advice on your will, your powers of attorney, and any inheritance tax liabilities.

Want to discuss your options in more detail?  Contact Simpson & Marwick Financial

Private client insurance

Simpson & Marwick Financial know your home is probably your biggest asset and contains the things most precious to you. This is why we work with a handful of bespoke insurance providers who bring a wealth of experience and knowledge to make sure your interests are fully protected. We are committed to delivering the highest levels of service and advice. We will talk you through every stage of the process to provide you with a tailor-made insurance solution that brings you peace of mind.

Benefits

  • Main homes, additional homes, buy to lets or homes anywhere in the EEA
  • Cover for your cars including classic cars
  • Fine art valuable, jewellery and collections anywhere in the world.
  • Insurance for clients who are undertaking major home renovations

Building and contents

Building and contents insurance is not a legal requirement. However, if you own or about buy your first house or flat or are moving to a bigger property you will find the mortgage lender will insist you have appropriate insurance in place for the term of the mortgage.

Home insurance protects your home and your belongings inside it.  It is split into two parts:

Contents Insurance covers your belongings.  In simple terms it covers anything that you can remove from you home, including carpets, curtains, white good etc. You can also opt to cover clothes, electrical goods, jewellery, art and also items within your garage or shed.

Buildings Insurance will protect your home in the event of damage caused by water damage, fire, or extreme weather.

Accidents can happen, and its good to know you can look to add in accidental damage for both the building and your contents. Your quote will depend on many factors, such as the age and type property you are looking to insure and where the property is located.

To get a quote is easy, contact us today.

 

Learn more General insurance & protection questions answered

It can be quite daunting to think of the bad things in life that can happen to you.  But it is important that you consider all eventualities and together we can help you come up with a sensible approach to protect you, your family and loved ones, and your home.

We will sit down with you and discuss your current circumstances, your stage of life, what cover you would like and how much you would like to spend.

This will depend on your health, your stage of life, your level of cover and the value of assets to be protected.  We will go through all of these complexities with you, explaining in simple terms and come up with a range of options for you to choose from.

Get in touch Book a free consultation

Get in touch with us now to arrange a free, no-commitment, chat about your current circumstances.  It is never too early to start a conversation on this important topic.

Your personal information will be treated with respect and in accordance with our Privacy Policy.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE, The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Simpson & Marwick Financial is a trading name of Moray Financial Limited with FCA Number 954875 and is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance, and general insurance products.

Moray Financial Limited has its registered Office at The Forsyth Building, 5 Renfield Street, Glasgow, Scotland, G2 5EZ and is a company registered in Scotland with Company Number SC694883.

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