Buildings and Contents Insurance

Why is Builidngs and Contents Insurance important?

Buildings and Contents insurance is very simple to set up and can take only 5 minutes, yet the consequences of not doing this can be catastrophic.

If you have a mortgage one of the conditions of this will be that you have Buildings Insurance in place. The lender will not want there to be any instance where the property is not insured and their security is not protected.

Buildings insurance protects the structure, the fixtures and fittings in your home; while contents insurance covers your belongings.

At Regal Finance Group we source your product from a range of insurers to find the one most suitable to your needs. Please speak to your adviser today to obtain a quote.

Amy Bailey
Amy Bailey
2022-05-05
Fantastic fast service! Matt & Kirsti were amazing throughout and always on hand to help with any questions. Would highly recommend!
Anna Elson
Anna Elson
2022-04-26
Matthew and Kirsti at Regal Finance Group were amazing. We had a complicated financial situation and anything we threw at them they dealt with and supported us through the whole process. We took out a mortgage via them and they explained everything clearly. They were very prompt with replies and always had time for us. We couldn't recommend them enough! Thanks guys!
dababy drake
dababy drake
2022-04-21
We first met Richard about 5 years ago, we were trying to sell a property and buy a new one. My father had recently passed away so it was quite an emotional discussion. Richard was very open and honest with us and managed our expectations on what was feasible. Thanks to his advice and guidance then, we are now in a position to buy a bigger house and once again Richard has pulled out all the stops and managed to secure us finance for our dream house. Richard is very professional and always responsive and attentive to our needs. I would definitely recommend the Regal Finance Group, they have enabled us to successfully keep moving up the ladder within our means! Thank you.
Kyla Feltwell
Kyla Feltwell
2022-04-07
Both Matthew and Kirsti were amazing throughout our mortgage process. As first time buyers we had no clue of what to expect or what to do but they were on hand every step of the way to help us through the process and reassure us. We would highly recommend their services
Michaela
Michaela
2022-02-02
Excellent service. Kirsti was very helpful and informative and helped us with our remortgage, life and income protection insurances. Our circumstances were a bit complicated but we got an excellent product we were happy with. We will be using regal finance group in the future and would recommend them to anyone. Matt was also very helpful and we were kept up to date throughout the process
Damian George
Damian George
2022-01-17
Kirsti has been absolutely amazing threw out the hole process. She has responded to every email and even when the solicitors have been a little slow as soon as we have had a concern or questions she has been on them. Just what you need really. It has made the hole process less stressful and made the experience not so daunting. We wouldn't go anywhere now and will always recommend them to anyone. Great job.
Robyn Corroon
Robyn Corroon
2022-01-13
My self and my partner just brought our first home and with out the support from Regal Finance Group it wouldn’t of been possible. We was supported by Richard Power and he was amazing. Richard really helped us understand the whole process as first time buyers there was things we didn’t understand. Richard also helped take the stress out of all the form filling. Richard staying in regular contact and always responded to calls and email in good time. I could not recommend this company and especially Richard Power enough.
Peter Nelson
Peter Nelson
2022-01-12
Our experience as first time buyers using Regal Finance Group was fantastic. Every time we spoke to Matthew and Kirsti, we left the call feeling calm and confident in the process. They helped us through from start to finish with quick responses and a genuine care about us. Couldn't recommend them enough!
Joss Goodchild
Joss Goodchild
2022-01-10
The Regal Finance Group team were incredibly helpful throughout the mortgage offer process. They were always quick to respond, innovative with their thinking and willing to work with us to find a solution. We are very happy with the work they did.
ashley billl
ashley billl
2022-01-04
Richard was reassuring and professional throughout the particularly difficult purchase and mortgage application - The Covid pandemic really added complexity. We always felt responded to with fast, positive and proactive support which made getting the mortgage surprisingly painless. We would 100% go back to him again for a mortgage. As a note his colleague Kirsten was also a star, again responsive and supportive throughout - A big thanks to you both!

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    0333 016 5416

    How Long Do I Need Cover For?

    The length of your cover depends on what it is you want to protect. Taking into account the remaining term of your mortgage, the age of your partner and children helps you work out how long you need cover for.

    Life Insurance Cover

    Whilst there are many life insurance products available, many have similar basic benefits and exclusions. It’s important to speak to an advisor to work out what cover is right for you.

    Lump Sum Payment

    If you were to die, your family would receive the amount as a lump sum payment.

    Terminal Illness

    Some products will payout on your claim at the point your condition is diagnosed as terminal.

    Flexible Cover Terms

    Different products have different terms of cover. Some policies end when you reach a certain age, others are for a set time period, for example, 50 years.

    Common Exclusions

    You would typically find your policy becomes void if you fail to make your premium payments, or obviously once your term ends. Additionally, most policies will not payout should you commit suicide or evidence self harm within the first year of the policy.

    Life Cover Over Time

    Depending on the type of product you go for, the amount you’re covered for over time can change. The difference is known as increasing or decreasing life insurance.

    Increasing Life Insurance

    The amount you are covered for increases over time, to protect your family in line with inflation. Your premiums, however, increase at the same rate. Increasing life insurance gives your family more complete protection should you die.

    This type of insurance helps your family to maintain their lifestyle as well as have the mortgage paid off. It’s common for these policies to have a cap on how much your policy will increase by.

    Decreasing Life Insurance

    Decreasing life insurance pays off a certain amount, like a loan or mortgage. You pay the same amount over the period, but your level of cover decreases in line with your mortgage balance reducing.

    Unlike increasing life insurance, it doesn’t protect your family’s lifestyle.

    Get A Mortgage With Regal in 3 Easy Steps

    One

    Step 1

    Complete an enquiry form and an advisor will call you back.

    Two

    Step 2

    Send us the documents we need.

    Three

    Step 3

    Receive a Decision in Principle from one of our lending panel.

    Got A Question? Get In Touch