Each of us is different. We live in different areas of the country, in different types of homes, with different cars and different lifestyles. Whatever your lifestyle we can source and deliver the insurance solution that is best for you.
| Buildings Insurance |
When renewing or arranging building insurance policies, many people make the mistake of requesting cover for the market value of their property, often incurring higher premiums than necessary. We help you to assess the re-building costs for your home to ensure that you are adequately protected for minimum cost.
Often we will recommend you have a combined building and contents package for maximum cost savings with many of the policies we recommend carrying blanket sums insured which are more than adequate for the average household.
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| Contents Insurance |
It is common to underestimate the value of home contents. Should the worst happen and you lose your precious possessions, you do not need the added worry of being under-insured. We will work with you to assess the value of the contents of your home, advising whether particular items should be itemised individually.
Many policies have itemised cover for freezer breakdowns, bicycle thefts or thefts from the garage or garden shed. We can help you choose the policy that's exactly right for you.
We will also advise on whether you would benefit from a combined buildings and contents package.
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| Accidental Damage |
Many household policies include cover for accidental damage. However, some may have stringent restrictions on claims. We will discuss your likely requirements and assess the best level of protection for you.
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| Special Items Insurance |
High net worth homes need specialist insurance protection and we will use our IT systems to identify which of the 100 or so special policies would best match your individual requirements. These policies remove many of the restrictions found in “normal” policies such as the need to activate an alarm when leaving the property or retiring for the night.
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| Buy to Let Insurance |
(With interest rates at an all-time low,) Many people are investing in second properties. Properties being let on a commercial basis will require different kinds of cover, depending on the tenants.
Holiday homes, student lets and DSS lets all have vastly differing levels of cover. We can advise on the best policy to suit your situation. If you own a number of properties special discounts are available if they are insured on a single policy.
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| Motor Insurance |
A single call to Heath Insurance gives you access to hundreds of motor insurance companies. Using our sophisticated IT systems we will do the legwork for you. Our own systems operate like the quote comparison sites you find on the Internet the only difference being our quotations are backed by our personal service.
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| Health Insurance |
We all treasure good health, but when things go wrong it’s good to know you have adequate protection.
Some insurance companies will not cover pre-existing conditions or have age restrictions, so it pays to consult an expert who can research the best solution.
Don’t forget the dental and optical care options, too.
We have access to specialist providers of this cover who have systems in place to search the market for the most suitable contract.
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| Pet Insurance |
When that much-loved animal falls ill the threat of high veterinary bills is often an added worry. If the illness is long-term or an operation is required, those bills could run into thousands of pounds.
Ensure peace of mind by getting your pet adequately protected.
There are several levels of cover so contact us and check out the best one for your pet. Many “over the counter” schemes provide only limited cover for long term health problems and older pets.
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| Holiday/Travel Insurance |
Many people buy their holiday insurance from their tour operator when booking the holiday. But how many actually check out the small print? If you did, you may be dismayed to discover that you are covered for only the minimum reimbursements should disaster strike.
If you go skiing, for example, you will need a much more comprehensive policy than if you were simply relaxing on a beach. At Heath Insurance we will discuss your likely travel arrangements and activities while away from home and advise accordingly.
It is always worth remembering that many Travel Policies whilst giving first class medical cover give very limited cover for baggage and personal effects. Claims for such items are not settled on a “new for old basis” therefore wear tear and depreciation are taken into account when paying compensation for loss or damage.
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