Home insurance;

Car insurance;

• Covers up to 7 additional drivers
• Annual cover for only £65.00 (ages 21 - 74 only)
• £2000 excess cover

Ipod & mobile etc insurance;        

Theft, Accidental Damage, Overseas cover. 

        Cancel whenever you wish 

        One month FREE to all

Motorbike insurance;

We're not brokers like many other bike insurance companies and pass on the savings to you the customer in the form of competitive quotes.

Accident/Sickness insurance;

Welcome we can provide you with a quotation comparison for private medical insurance, news and information on a range of health insurance products for individuals, families and companies.

Wills 

 

Extra cover

always think carefully about taking out extra accidental damage cover, insurers will usually ask you if you want extra cover but remember saying yes will normally mean increasing your premium by at least 25%, when your normal cover is more than enough for your needs.

Holidays

if you holiday abroad more than twice a year taking an annual policy is more cost efective than buying single trip policies each time.

Estimating your assets

most people underestimate the cost of buying new items, don't underestimate your contents and possessions, even old things like furniture etc are expensive to replace.

remember the market value of your home is not the same as rebuilding costs which is usually less than half the value. getting this wrong can cause you to overpay however if you underestimate you will also have problems. ask your insurer for help on this if you are in doubt.

if you are looking for car insurance it is wise to make sure to find out if you will receive a courtesy car or not. some companies provide one free others charge a small fee, and some do not offer any at all.

it is a good idea to protect your no claims bonus, it is well worth paying a little extra to protect it especially if you have more than 3 years or more no claims. 

Once you decide to take out insurance you need to make sure you are correctly covered, in order to help you do so we have provided a series of vital questions you should ask.

car insurance questions;

will i receive immediate cover once i have paid for my policy?

can i have or add no claims break down cover on my policy?

can i get my NCD protected?

what is the excess limit of the policy?

can i pay for my insurance by installments?

can i have 24 hours claims and support with my chosen policy?

do you provide the best deal available from a choice of insurance companies or are you contracted to a single underwriter?

will i have 24/7 & 365 days access to an emergency medical help line?

can i tailor my policy to include things like, golf, diving, baggage or business?

will i receive advice about vaccinations & visas prior to traveling?

will under 18s receive free cover?

will i be covered if my car breaks down to or from the airport or won't start? is winter sports included free along with an annual cover policy?

is food in my fridge/freezer covered?

is loss of water from my water meter covered?

will my garden furniture covered?

is my laptop & other equipment from work covered?

am i covered for alternative housing if my home is uninhabitable?

will i receive any no claims discount?

do you provide a bedroom rated insurance policy?

Candace finance,is an intermediary, & introduces you to insurance which you can buy direct from insurance providers and other insurance intermediaries ("Insurers") on the Insurers' websites. Candace finance does not advise on or recommend or sell, and is not responsible for or in connection with, any insurance products or services. These are subject amongst other things to the Insurers' separate terms and conditions which you should read. Your use of Candace finance's service/website, and Candace finance's use of your data, are subject to candace finance's terms and conditions and privacy policy.

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 The regulator

FSA = Financial Services Authority

The FSA is an independent non government body organization that regulates the financial service industry in the UK, it is financed by the financial service industry and has the board members appointed by her majesty's treasury.

Insurance Organizations

ABI

Association of British Insurers

BIBA

British Insurance Brokers Association

www.biba.org.uk

IIB

Institute of Insurance Brokers

www.iib-uk.com

GOBBLE DE GOOK EXPLAINED

premium
this is the amount of money you pay for your insurance cover.

risk
refers to how likely the insured person is to make a claim.

broker

intermediary/middle man company who has access to a number of insurance companies.

excess
the amount you pay yourself in relation to a claim, for example you have a claim of £1000 but pay the first £100 yourself.

sum insured
the maximum amount an insurer will pay.

cover note
a temporary insurance certificate,usually issued when purchasing a new car to allow you to drive you vehicle home.

underwriter
this refers to person who makes the decision as to whether you are valid risk and the level of premium you will have to pay.

named driver
any listed/named on the insurance policy who is not the owner of the vehicle.

hazard
refers to either injury, damage or loss of a vehicle.

abi group
relates to the grouping risk associated with the model of car for example a 1.4 car is regarded as being in a lower grouping than a 2.0 gti.

tpo
normally known as third party fire & theft,this policy simply covers damage caused by you or your named driver/passenger, to any other driver, vehicle or pedestrian

car care

keep an accurate account of the number of miles you do as this can affect the level of any claim you need to make.

making what you consider to be improvements to your car can often result in having to pay higher premiums.

when valuing your car take particular care,if you over value it your premiums will be high & oddly if you under value it, you will not receive enough to cover the cost of any serious damage to your car.

make sure if possible you fit alarms, trackers etc, to your car.
parking off road whenever possible is also advisable.

retain a good record of of your no claims bonus along with the proof.

reduce your premiums by removing any extra additional drivers on your policy.

having a voluntary excess level will help to reduce your premium