Products
Life cover and insurance
There are still too many people that use one insurance company and do not shop around. These people lose hundreds of pounds each year on expensive insurance policies. Make sure you are not one of them. Call us now for an obligation free quote.
See below an example of some of the types of insurance we can provide you.
Level term life insurance (or assurance)
Provides a fixed lump sum payment should you die within a specified period.
Level term life insurance (or assurance) with critical illness
Provides a specified lump sum payment should you die or suffer a critical illness within a specified period.
Mortgage protection cover
Providing a decreasing lump sum payment to cover your outstanding mortgage, should you die within the specified period.
Mortgage protection cover with critical illness
Providing a decreasing lump sum payment to cover your outstanding mortgage, should you die or suffer a critical illness within the specified period.
Accident, sickness and unemployment insurance
Since 1995 if you became ill or redundant the social security does not offer any help to you for the first 39 weeks.
This plan (MPPI) provides sufficient income on a monthly basis to cover your mortgage payments.
In many cases a claim cannot be made on redundancy cover until the policy has been in force for at least 90 days, likewise 30 days for sickness.
For the self-employed there are policies around where you can't make a claim for illness until you've been ill for 30 or 60 days (depending on the policy that you have), but if you are ill for longer than the deferral period, then benefits are back dated to day one.
As with all other types of insurance there is the (it won't happen to me) chance, however, it will happen to someone probably right now, the old saying of "prevention is better than having to cure" is of paramount importance as we are all wiser in retrospect.
Private Medical Insurance
Private Medical Insurance (PMI) is not cheap and, thanks to pricey new drugs and complex medical procedures, its rising cost massively outstrips inflation. Indeed, annual hikes of up to 15% aren't unusual - even if you haven't claimed. Call us now to help you decide whether you need PMI and if you do, what type and what the cheapest way to do it is, possibly saving £100s a year.
Buildings & Contents Insurance
This is of primary importance when you are purchasing a property, and you will find that no solicitor or lending institution will complete the purchase of a property without this being in place. This plan insures the structure of your property and if for example your house were to be blown down, the building insurance would cover the cost of rebuilding your property. It also covers partial damage such as the roof needing repair and sometimes if a garden wall were to come down.
This is a peace of mind plan that really is essential, as we have all seen extreme weather and we know that the elements can cause a lot of damage to properties. Most lending institutions will want you to take out their insurance and quite a few of them will charge you £25 if you decide to take out someone else's policy, you will find that in quite a few cases it is always better to shop around, and invariably you will come up with an adequate plan that will be cheaper, and, in some circumstances a lot cheaper than the first one offered to you.
Commercial Insurance
Walker Nicholas specialises in business insurance products for a wide range of sectors including insurance for shops, pubs, restaurants, landlords block policies, offices, contractors, hotels, guest houses, manufacturers, wholesalers, property owners, clinics, dental surgeries and commercial vehicles. Also cover for tradesmen including painters, plumbers, tilers, electricians and plasterers. Policies can insure you against a range of risks including employers' and public liability, contents cover and optional extras such as buildings, business interruption cover, computer breakdown and theft by employees.
Call us now for your insurance quote
01743 247066 or 01691 610230.