Whatever your circumstances, protecting your mortgage can be so important. An accident or illness can keep you from earning your income, redundancy usually means a real financial problem, and the death of a breadwinner can lead to loss of the family home.

Without savings, you are totally at risk, and most families are reckoned to be within 3 months of bankruptcy if their income stops.

We can show you how each of these problems can be overcome with inexpensive insurance, and we can provide advice on the best way of making all the necessary arrangements to ensure that any claims process is as straightforward as possible.

We can also advise on the best products in each case depending on your circumstances, as well as finding the cheapest provider for you.

All lenders insist on the building being insured which is for their protection, but beyond that, they won't insist on any other cover, because they have the right to repossession if the mortgage is unpaid. It is therefore a personal decision for you to take additional insurance to protect yourself, whether life cover, or contents insurance.

You should be aware that there is no Government help whatsoever if your contents are damaged by fire or flood, and there's also no help towards new mortgage payments for the first 9 months of any period of redundancy or illness, by which time your home may well have been repossessed.