There are lots of insurance policies to choose from.  An independent financial adviser (IFA) is happy to give advice and get you the best deal on many different types of insurance – some you may know about, and some you may not.

Most of us know about things like travel insurance, car insurance and home insurance, particularly as these products get so much air time on television.  It’s always a good idea to shop around, make sure that your current policies are giving you good value for money, and keep your details updated with your policy provider on a regular basis.

For example, with contents insurance, it’s a good idea to review the value of your possessions every so often.  Check that your provider has an accurate figure recorded for any high value items on your policy such as computers or jewellery. Not having cover in place if the worst does happen can be devastating – and even the smallest missing detail may affect a claim. When arranging car insurance, for example, you’ll be asked whether or not you have any motoring convictions.  If you get a speeding fine, and forget to tell your insurer, it could invalidate your policy.

When it comes to specialist policies to protect you, your family and your possessions– such as camera insurance, wedding insurance, life insurance or health insurance – an IFA can tell you which policies best suit your budget and circumstances.

We can help you get in touch with experts in insurance who can help you find the products you’re looking for.  Although it’s becoming easier to make comparisons and cut costs from the comfort of your own home, by using comparison tools, you can sometimes save more money by using an IFA.  Dealing with insurance policies on a regular basis, they’re also in an excellent position to make useful comparisons of features and benefits that may appeal to you.

Questions you might like to ask an insurance specialist…

Could I find the same products on the open market?

Is there more than one type of policy that would serve my needs?

Will the cost of my premiums go up over time?