We have to admit there is some very persuasive advertising on TV and radio for cheap house & contents and motor vehicle insurance. Is it a case of “if it’s too good to be true, it probably is?” – not necessarily.

These policies tend to serve a need and usually that need is based solely on price. That doesn’t mean there are many events or items not covered by these policies, it may just mean that, in the event of a loss, what you receive in compensation may be limited or you may be restricted on choice.

We choose to provide cover that surpasses these products and, while you may pay a little more on occasion, these policies are written with the intention of responding specifically to your needs in the event of a loss. We would prefer that you get the right cover at a competitive price than pay a little less and cross your fingers for the rest of the year in the hope that nothing goes wrong. We believe in minimising your risk and anxiety, not adding to it.