Insurance FAQs

Income Protection


What is income protection insurance?

Income Protection Insurance (IPI) is an insurance policy that pays out tax-free income to policy holders who are unable to work due to illness or accident. They were previously called Permanent Health Insurance (PHI)


Do I need income protection insurance?

Income protection insurance can remove the financial strain if you are unable to work for a long period of time. How would you cope with paying the bills if your income suddenly stopped?


How long can I claim for?

You can claim income protection for as long as you are unable to work due to sickness or injury and before your policy comes to an end.


Can I get income protection if I am self-employed?

You can, however, the levels of benefits are calculated differently. Please contact us to find out more.


Home Insurance


What is home insurance?

Home insurance consists of two types of cover – buildings insurance, and contents insurance.


Buildings insurance covers damage to the structure of the building, for example the roof, walls, floors etc. It also covers fixtures and fittings.

Contents insurance covers damage to (or loss of) personal possessions within the property, for example home entertainment, furniture, white goods etc.

Is it essential?

Most mortgage providers will insist you have buildings insurance to cover at least the rebuild value of the house if anything were to happen. If you do not have a mortgage this is not required, however, it is advisable. Contents insurance is not required but again advised. If the contents of your house were stolen and you did not have cover, the cost of replacing everything would be down to you.  


What is accidental damage cover and do I need it?

This covers any accidental, one-off damage to your property and contents. Whether or not you need it will depend on your circumstances. For example, many claims come from families with young children.  


Do I have to get my buildings insurance through my mortgage provider?

Unless it is a specific requirement of the mortgage contract then no you do not. It is likely that by shopping around, or using an advisor such as ourselves to do it for you, you will find a better deal.

Private Medical Insurance


What is private medical insurance?

Private medical insurance covers the costs of private medical treatment for any unexpected (acute) medical conditions. You will have access to medical treatment that is normally faster than having to wait for the NHS. It will generally not cover pre-existing conditions that you have prior to the cover commencing.


Can I get private medical insurance if I have a pre-existing condition?

Generally, you will not be able to get cover for any pre-existing conditions that were diagnosed, treated or received medical advice on prior to your medical insurance started.


Are there limits on what I can claim each year?

This will depend on the policy you have, there may be certain limits such as as physiotherapy, chiropractic’s, etc. You will need to check the policy documents for further information.


Could my premiums go up if I make a claim?

Yes, it is likely, as most insurers offer no claims discount which is reduced if claims are made.


Life & Critical Insurance


What is life insurance?

Life insurance makes sure that your family and loved ones are financially secure in the event of your death. Life insurance will pay out a lump sum if the person insured dies during the policy term. 


What is critical insurance cover?

Critical illness cover means you will receive your cash sum if you are diagnosed with a critical illness covered by your policy. This generally includes cancer, heart attack, stroke and many other conditions dependent on the provider chosen.


Why do I need cover?

By taking out life insurance cover, you will have peace of mind that your family and loved ones will be financially secure in the event of your death.  They would still have money to be able to pay mortgage, bills, living costs etc. without having to rely on others for help. There are many different types of life insurance so it is vital to choose the correct level of cover for you.


How are life insurance premiums calculated?

When calculating your life insurance premium the following factors will be considered:

  • Your age

  • Your gender

  • Whether you smoke

  • Your medical history

  • The amount of cover you need

  • The length of time you would like your cover to last

  • The type of life cover you require



Contact Us



45 Langley Park Road




Contact us

Insure 2B Sure

45 Langley Park Road




Make an appointment

You can make an appointment for a no-obligation consultation by calling:


Tel: 0776-967-1168

Tel: 0208-642-5273


Or use our online contact form