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Protect your home and family

Andy is a Mortgage & Protection Adviser. Once you've found your home, he can help you protect it, with cover for your life, your health, your income and the house itself.

Book a free call Call 0115 697 8086Call Andy
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What each cover does

These are the most common types of cover, though others may be available depending on your circumstances. Scroll through them, or pick one.

Life insurance

Pays out
The mortgage, or a lump sum
When
If you die during the policy

It can mean the people you leave behind keep the home, without a mortgage to pay.

Worth thinking about if anyone depends on your income.

Critical illness cover

Pays out
Usually one lump sum
When
If you're diagnosed with a serious illness, as defined in the policy

You can use it for the mortgage and the bills while you can't work.

Each policy lists the illnesses it covers. We can go through the list with you.

Income protection

Pays out
A monthly income
When
If illness or injury stops you working

It can help you keep up the mortgage and the bills while you recover.

It helps to know what sick pay your employer gives you first.

Buildings and contents

Buildings
The structure, against risks such as fire, flood, storm and subsidence
Contents
Your belongings, against theft or damage

Lenders require buildings insurance from exchange of contracts, because that's when the home becomes your responsibility.

Mortgage paid off one lump sum J F M A M J J A S O N D every month storm flood fire subsidence your things needed from exchange

More about each cover

Pick a cover to read how it works and what it can pay for.

Life insurance

Life insurance can give your family financial security if the worst happens. It can pay a lump sum to clear the mortgage, cover the everyday bills, or make life a little easier at a hard time.

There are different types of cover. Level term insurance pays the same amount whenever you claim during the policy. Decreasing term insurance goes down over time, and people often pair it with a repayment mortgage, because the amount you owe goes down too.

We'll take the time to understand what matters to you and help you find cover that suits your needs and your budget.

Talk to Andy about life insurance

Critical illness cover

A serious illness can turn life upside down, and worrying about money makes a hard time even harder. Critical illness cover can pay a lump sum if you're diagnosed with one of the conditions your policy covers and you meet the policy's definition.

You could use the money to pay the mortgage, cover the household bills, or give yourself some breathing space while you focus on your health and recovery.

Some policies also include children's critical illness cover, as standard or as an optional extra. It can pay out if your child is diagnosed with a covered condition, to help with time off work, travel, childcare or other costs. The level of cover and the conditions included vary between insurers.

Talk to Andy about critical illness cover

Income protection

Your income pays the mortgage, the bills and everyday life. So what would happen if illness or injury meant you couldn't work?

Income protection can pay you a regular income while you're unable to work and meet the terms of your policy, so you can keep on top of your commitments while you recover. Some policies can also cover your mortgage payments if you're made redundant.

We can help you choose the right level of cover and fit it around your circumstances and your budget.

Talk to Andy about income protection

Buildings and contents

Your home is one of your biggest commitments, so the right cover really matters. Buildings insurance protects the structure of your property and your mortgage lender will normally require it. Contents insurance protects the things inside your home.

You can add useful extras, such as accidental damage cover, cover for personal possessions you take away from home, home emergency cover for problems like plumbing or heating breakdowns, and legal expenses cover for certain legal costs and disputes.

We'll help you find cover that gives you the protection you need, without paying for extras you don't.

Talk to Andy about buildings and contents

More than just insurance

Many protection policies come with extra support for your health and wellbeing, and you don't always have to make a claim to use it. Often it's there from the day your policy starts. Depending on the provider and policy, it can include:

  • 24/7 virtual GP appointments
  • Second medical opinions
  • Support from qualified nurses
  • Mental health and counselling
  • Physiotherapy
  • Nutrition advice
  • Bereavement support
  • Health checks
  • Fitness support
  • Legal guidance

Some providers let your partner or children use certain services too, so your family gets extra support as well. We look beyond the price of a policy and explain the extras that come with it, so you get more from your cover.

Additional services vary between providers and policies and may be changed or withdrawn by the provider. Eligibility and terms apply.

Andy Stinson, Mortgage and Protection Adviser at The Mortgage Point
Andy

How Andy helps you choose cover

Insurance can feel like a maze of small print. Andy's job is to make it simple, then let you decide.

  • He starts with what you already have

    Cover through work, a policy you took out years ago, the sick pay you'd get. Andy looks at it all first, so you can see where the gaps are.

  • He explains it in plain English

    What each policy pays, when it pays and what it doesn't cover. Ask as many questions as you like.

  • You decide, with no pressure

    Andy suggests cover that fits your mortgage and the people who rely on you. What you take, if anything, is up to you.

“Andy was very professional and listened to everything I needed. He arranged my mortgage in lightning time and also made very good suggestions for my life cover, with no pressure.”

5 out of 5 stars. Phillipa, a client, June 2024 More reviews on Trustpilot (opens in a new tab)

Handy for your call

You don't need any of this to book. If you have it to hand, Andy can tell you more on the first call.

  • Details of any cover you already have, through work or your own
  • Your mortgage amount and how many years are left on it
  • Who depends on your income, such as a partner or children
  • What sick pay your employer gives you, if you know
  • Any health questions you're unsure about

Has Andy asked you to fill in a health questionnaire? Complete it online

Questions we get asked

Lenders require buildings insurance from exchange of contracts. Life insurance, critical illness cover and income protection aren't usually a condition of the mortgage, but they're worth thinking about if anyone relies on your income.

Cover through work can help, but it often ends if you leave the job, and it may not match your mortgage. Andy can look at what you have and explain any gaps.

Critical illness cover usually pays one lump sum if you're diagnosed with a serious illness, as defined in the policy. Income protection usually pays a monthly income if you can't work through illness or injury. Some people have both.

No. Protection advice is free. If you decide to take out a policy, we receive commission from the insurer.

Need help with the mortgage too?

Andy arranges mortgages as well as cover. These are the situations he helps with most.

Talk to Andy about cover

Book a free, no-obligation call. Andy will look at what you already have and explain your options in plain English.

Book a free call Call 0115 697 8086