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Protection

Here at Chartwell, we value you highly as our customer. What’s very important to you is very important to us.

Securing a mortgage on your dream home is all part of the Chartwell service and providing you with an outstanding customer experience is what we strive to achieve.

Buying your new home and taking up your new mortgage will possibly be one of the biggest decisions and certainly one of the biggest commitments of your life and whilst this will certainly be an exciting time we have a duty of care to ensure that whatever may happen over the course of your mortgage term we look to ensure that we keep you secure in your home.

As a business we live and breath our Values and those Values ensure that we look at protecting you, your loved ones and your home for any eventuality.

What is home insurance?

Home Insurance is more commonly referred to as buildings and contents insurance. Buildings insurance protects the structure, fixtures & fittings of your property, whilst contents insurance protects your belongings.

You can tailor your home insurance policy to accommodate your specific requirements be that accidental damage to your home or belongings, day-to-day or valuable items carried away from the home, legal expenses or home emergencies.

Why is home insurance important?

It is essential that you have a home insurance policy that fits your circumstances and is there for you should you ever need to make a claim. If you find you are underinsured or are unwittingly in a flood risk area, you may find that in the event of a serious claim your policy is void. It is therefore vital that you know you have a quality policy which will give you the level of cover you require.

Did you know that it is a condition of your mortgage offer you must have buildings insurance in place to exchange contracts? We will help you be prepared so that obtaining insurance does not hold up your purchase.

How can Chartwell Home Insurance Consultants help you?

The cover that we recommend and arrange will provide you with the peace of mind that you have the right safety net in place should they need it. Our consultants will discuss your circumstances with you and help you ensure that you are correctly covered.

If you already have insurance in place, our Home Insurance Consultants would be more than happy to review your current policy to ensure you have quality cover for a competitive price.

  • Our adviser will tailor your policy to fit your needs ensuring there are no hidden surprises, no hidden fees and no mistakes within your policy.
  • Our adviser will ensure that your premium is the most competitive each year with no cancellation fees, alteration fees or concealed excesses to pay.
  • Our adviser will ensure that your policy commences at the required time.

What is Income Protection?

Income Protection is designed to replace your regular income if you are unable to work for a prolonged period of time due to illness or injury and will pay you a percentage of your salary each month until you return to work.

Why is Income Protection Important?

According to the Association of British Insurers (2017), one million people in the UK find themselves off work each year due to serious illness or injury. If you were off work for a prolonged period due to sickness or injury, would your savings or sick pay from work cover your bills each month?

Many households will immediately think of insuring their property or their pets, but often the last thing any one thinks of protecting is what pays for it all, their income. If you think that losing your income would have a detrimental affect on your lifestyle then it may be worth thinking about protecting it.

What can Chartwell do for you?

If you are not sure how you would cope if you were off work, contact one of our dedicated protection advisers today and see if an Income Protection policy would be right for you.

What is Critical Illness Cover?

Ever thought about what would happen if you were ever to be diagnosed with an illness or medical condition that prevents you from working and therefore bringing an income to your household? Critical Illness cover is insurance that provides you with a lump sum in the event that you are diagnosed with a specific illness or medical condition.

In the event of a claim the money will be yours to spend as you wish whether that means paying medical bills, clearing debts or making an investment for your family, the choice is yours.

Why is Critical Illness Cover important?

How will you and your family cope financially should you be diagnosed with a critical or serious illness which prevents you from working, requires expensive treatment or is terminal?

Will you be able to keep up with the mortgage payments and other household bills?

It is important that you are proactive in your protection planning to ensure that you have the safety net in place should you and your family need it.

How can Chartwell Protection advisers help you?

If you think that your family would struggle to pay your mortgage and other monthly household bills if you were critically ill, then contact one of our dedicated protection advisers today and see if Critical Illness cover is right for you.

They will go through your circumstances including your family history, in order to recommend a policy that is most suitable for your needs. If you do not have any cover in place or you would like to review an existing policy, contact our dedicated advisers today.

What is Life Insurance?

Life Insurance is designed to support your loved ones financially if you die during the term of the policy. At a time when they will need it the most it will provide them with a lump sum to help with anything from household bills to covering mortgage payments or paying the mortgage off in part or full.

There are varying types of policy currently available, including decreasing life insurance which will protect your repayment mortgage by paying settling the mortgage debt when you die or level term life insurance which will pays out a pre-determined amount chosen at the start of the policy.

Why should I consider a Life Insurance policy?

If anyone else in your life relies on your income then it is important to consider what will happen to them if should anything happen to you.

  • Will they be able to keep up with the mortgage payments? If not, then their home may be repossessed
  • Will they be able to keep up with the household bills? If they don’t, they may fall into debt
  • Will they be able to afford your funeral costs? If not, they may face financial hardship

When taking out a mortgage you have a duty of care to yourself and your family, to ensure that you have adequate protection in place should you die during the course of your mortgage.

By taking out a Life Insurance policy you can rest assured that should the worst happen, you have already taken the precautions of putting protection in place so that your family will not have financial worries when you are no longer around.

What can Chartwell do for you?

Our specialist Protection advisers will look at your circumstances to and discuss the Protection that you require, once we have done this we will make the right recommendations for cover to ensure that you have the right policy in place and continue to review these on an annual basis to ensure that should your circumstances change your policy is updated.

Speak to one of our dedicated Protection advisers today to find out how we can help you.

All part of the service

One of our Specialist Protection Advisers will talk you through the various types of Protection and Cover to identify what is important to you and recommend suitable protection to ensure that we are meeting your needs and requirements.

Sometimes we don’t want to think about what might happen and that is perfectly understandable and our Advisers will make things simple by going through plans for being off work through sickness or accident or for if you suffer from cancer, heart attack or stroke.

We will also review any existing plans that you have in place as well as protecting your new home from theft and damage to the property from fire, storm and floods.

Our Specialist Protection Advisers will carry out a full Budget Planner with you so that whatever Protection and level of cover we recommend to you it is affordable to you both now and in the future.

Our pledge to you

Above all our main priority is ensure that we keep you, your loved ones in your home if anything unexpected happens.