Mortgage Protection... 
A mortgage is potentially the largest single financial commitment that most of us are likely to undertake.
It is therefore essential to ensure there is sufficient protection in place to ensure the security of yourself and your family should anything happen to you during the mortgage term.
This could be death, critical illness, redundancy or accident and sickness and this could dramatically impact on the household budget should any of these events occur.
Accident sickness & unemployment insurance (ASU Cover)...
Click here for an ASU Insurance quote
As the name suggests, Accident, Sickness and Unemployment insurance, or ASU, is designed to cover your mortgage payments if you are prevented from working because of an accident, sickness or unemployment.
Lenders will often offer their own ASU cover with their mortgages, along with buildings and contents insurance, as an all-in deal, although the only type of insurance that is always compulsory in relation to mortgages is buildings insurance.
However, it can often be markedly cheaper to take out ASU cover with an insurance provider that specialises specifically in these insurances rather than a mortgage company: it is always worthwhile getting as many comparative quotes as possible.
In addition to the monthly cost, the specific terms and restrictions applied to each policy should always be considered closely before opting for one specific deal.
It is also important to remember that, while an accident, sickness and unemployment policy will cover your mortgage payments initially, it will normally only pay out for two years at the most. ASU cover is therefore not sufficient to insure against long term incapacity.
Contact us today and we will give you comparative ASU quotes from a range of top UK insurers.
Buildings & contents insurance...
Click here for a Buildings & Contents insurance quote
Buildings insurance is compulsory when you take out a mortgage, and contents insurance is commonly included in the same policy: however, if your property is leasehold then the freeholder would normally insure the property, so you should not need to arrange your own buildings cover. The cost of the insurance, however, would effectively be passed on to you as 'ground rent' and/or 'service charge'.
Some lenders occasionally insist that you take insurance through them, or through an insurer specified by them, but usually you have the opportunity, as with most insurance, to shop around for the best deal.
Typically, buildings insurance will cover your home against damage caused by fire, storm, flood and subsidence, and may also cover less common damage such as vandalism or damage resulting from a vehicle collision.
Contents insurance will normally cover the contents of your property against fire, theft, storm and flood and many insurers will also settle claims on a replacement as new basis.
As with most insurance policies, the specific terms, as well as the cost, will play an important role in determining which policy you eventually opt for. The exclusions, for example, are likely to be of special significance.
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