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Since 2006 we have helped 339,608 people compare Protection Insurance quotes.
We would love to do the same for you...

Now’s the time to protect your loved ones - Prices have never been cheaper.

Let's help guide you through the options and find the best deal for your circumstances.

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Since 2006 we have helped 339,608 people compare Protection Insurance quotes.
We would love to do the same for you...

So, you’re buying a house - what forms of insurance will you need?

If we were to ask you to list the really big, hairy, ‘milestone’ events in a typical person’s life - and perhaps yours - it probably wouldn’t take very long for you to write down ‘buying a house’. In fact, for those who do purchase a property, there’s a good chance that it will be the biggest financial commitment they ever make.

It is perhaps surprising, then, that there isn’t more discussion around the insurance policies that one should take out when they reach this key juncture in life.

This is an investment, after all, that you will want to protect. So, let’s take a look at the insurance policies that would help provide that protection if you do buy a house anytime soon.

Buildings insurance

This is one of the two forms of insurance that are typically being referred to when one uses the phrase ‘home insurance’ - the other being contents insurance.

As its name suggests, buildings insurance covers the cost of repairing or rebuilding the structure of a property in the event of it being damaged or destroyed; it’s no wonder, then, that mortgage lenders normally require property buyers to have this type of insurance in place.

Contents insurance

If mortgage providers tend to insist on you having a buildings insurance policy in order to protect their investment, contents insurance is more the kind of thing that you, the property buyer, should insist on getting.

After all, it will recover your belongings in the home that are not part of the building fabric - think such things as your own furniture, jewellery, clothing, and electrical devices.

Such policies normally protect against the risks of theft, fire, and flood, although it’s worth checking whether accidental damage is also covered in the contents insurance plan you’re considering.

Mortgage protection insurance

This is where we start to venture into the world of insurance policies that we specialise in here at QuoteLifeCover. When we say ‘mortgage protection insurance’, we could really be referring to ‘protection insurance’ in general, given that the popular policies in this area can generally be used to cover mortgage payments if needed.

Under this category, you could take out an income protection policy that would provide you with monthly tax-free payments in the event of long-term sickness or disability preventing you from working.

Another popular option is critical illness cover, which would give you a one-off tax-free lump sum if you were to suffer from permanent disability as a consequence of injury, or develop a serious illness such as cancer.

Life insurance is available, too, this type of cover being designed to settle your mortgage balance for the benefit of your loved ones, in the event of you passing away.

Mortgage protection insurance can also take the form of combined policies that bring together the benefits of several of the aforementioned types of cover.

We can’t, of course, dictate what exact policies each and every person who buys a house should take out - the reality is that there will be so many different factors likely to guide your decisions in this regard, including your own budget.

Still, by calling our UK advisers on 0800 316 6917, we can help ensure you get the right help and guidance, so that you can make the best-informed choices for your own household.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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