Insurance & Protection Products

Valemortgages.co.uk have researched the market to bring you the best possible insurance deals at the best prices. We have a wide range of insurance options available, so let us do the running around for you and take the hassle out of finding you the most affordable deal.

We operate from a large and extensive panel of life protection providers in the marketplace today, which ensures that we can always offer the best solution to our clients whether its life, critical illness or income protection. We are able to offer very competitive rates, combined with a dedicated service which gives us that competitive edge.

Life Cover

Life insurance helps pay off your mortgage if you die during the term of your mortgage Cover can be arranged for most types of mortgage – including repayment and interest only. With a focus on protection, this cover doesn’t have a cash-in value at any time.

Valemortgages.co.uk will find & Compare the best discounted life insurance policies from our extensive panel of providers and choose the best policy that suits your individual needs

Critical Illness (CI)

Critical Illness (CI) Insurance is designed to pay out a lump sum benefit, free of income tax and capital gains tax, in the event that you are diagnosed with a serious or critical illness as defined by the insurance provider. The common critical illnesses covered include cancer, multiple sclerosis, kidney failure, stroke and heart attack. Each policy is designed for particular illnesses and you should carefully examine the policy wording before committing to one policy. Many term life insurance policies have a critical illness insurance option which you can additionally subscribe to.

CI insurance payments are made by premium either monthly or annually and the premium which you can afford will dictate the level of benefit you will receive should you succumb to a covered illness. The premium is also influenced by your general health at the time of taking out the policy as well as factors such as whether you smoke. You are unlikely to be able to get cover for an illness which you have suffered since birth, and you will find premiums are higher if you have a history of particular illnesses in your family.
Valemortgages.co.uk will find & Compare the best discounted Critical Illness policies from our extensive panel of providers and choose the best policy that suits your individual needs.

Accident Sickness & Unemployment (ASU)

Accident, Sickness & Unemployment insurance (ASU), can also be referred to as mortgage payment protection and will provide you with an income to meet your outgoings if you are off work sick, have an accident or are made redundant. It pays out a monthly benefit to cover your mortgage and other related costs.

You may choose the amount of benefit you would like to receive, although there are some limits on the maximum amount. The premium will be a percentage of the amount of monthly benefit you would like to receive. Benefits are usually payable for a maximum of 12-24 months.

Some policies will also allow you to choose whether you want to receive benefits for accident & sickness only, unemployment only or all three. Most policies will also have a 'deferment period' This is the time you have to wait to start receiving benefits from the ASU policy after you have become ill, had an accident or become unemployed. Again, this can vary from having no exclusion period to 30, 60 or 90 days.
Worth taking out if you've taken out your mortgage or re-mortgage after October 1995, as you are unlikely to get any help from the state with your mortgage payments if you get into trouble.

A good idea if you think making your mortgage payments would be difficult if you were made redundant or too ill to work and you don't have any other protection to cover household bills.

May be useful to think about if you don't have a job which has sick pay or your self-employed.

Who is eligible for cover?

Anyone can apply for an accident sickness & unemployment policy so long as you are over 18 and under 60 and you normally reside in the UK, Channel Islands or the Isle of Man. You must also be in employment or self-employment for at least 16 hours per week and have been so for the last 6 months.

Valemortgages.co.uk will find & Compare the best discounted Accident Sickness & Unemployment policies from our extensive panel of providers and choose the best policy that suits your individual needs.

Buildings & Contents Home Insurance

If you're looking for buildings and contents insurance that gives you peace of mind with a policy that could save you money, look no further.

Valemortgages.co.uk will search for you. We'll search from our large panel of leading home insurers to find you the best home insurance quote we can. Whether you're looking for buildings insurance, home contents insurance or a combined building & contents insurance policy, we could save you up to 25% on your home insurance.

We also offer a no-claims discount on our insurance policies of up to 30%, and could offer you a reduced insurance premium if your home is fitted with approved security devices and smoke alarms.