How much do you need to insure for?

We’ll give you Guidelines to follow but then help you adjust them to suit your budget. Take out what you can afford now and have another look later.

Put your insurance safety net where you can afford.


Tackling future cost increases.

Use low start (red) premiums initially then, when cost permits, change your long term policies to level (green) premiums and, later on, when your need for insurance decreases start cutting back on the remaining red premium policies.

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Price is important but isn’t everything.

The cheapest policies often provide only reduced cover. That’s why we use specialised software that compares small print as well as premiums.

ACC only covers accidents

Most long term conditions are caused by illness not accident which is why you need personal insurance not just ACC.

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To see what this means for you, book a free 15 minute phone call now