General Insurance & Protections

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.