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.

Kiran
Kiran
2024-01-15
Cannot recommend Regal Finance enough! Matthew and Kirsti were amazing and completely took the stress out of the process. They were always available to answer questions and guide us through everything. I found they had access to a wider range of products than other advisors I had used in the past. I will be recommending Regal Finance Group to everyone I know!
L Fowler
L Fowler
2024-01-04
Matthew and his team have gone above and beyond to help us with our mortgage. As first time buyers we decided to seek advice from a mortgage advisor. After having an offer accepted on a house we needed some support with the mortgage fairly quickly and Matthew managed to fit us in out of usual hours to suit us. We had a very detailed call with him and all our questions were answered. From this point onwards Kirsti managed our application and the whole process was fast and effortless as they managed everything. We made the best decision using Regal finance. If you choose to go with Regal you’ll be in good hands.
Jamie Wells
Jamie Wells
2024-01-04
I can’t recommend regal finance group enough. Kirsti and Matthew have been amazing. They are so quick to respond and the advice they give has been so helpful. Don’t hesitate to get in contact if you need a mortgage. Thanks Jamie and Lauren
Sam Powell
Sam Powell
2023-12-07
Excellent service and company
Erion Andoni
Erion Andoni
2023-10-10
I recently had the pleasure of working with Rick to secure a mortgage for my new home and a buy-to-let mortgage for my existing property. Rick's assistance was truly invaluable throughout the entire process. Rick effortlessly guided me through both processes, making sure every detail was covered. His commitment to assist and his availability and willingness to answer my questions, no matter how small was exemplary. Rick's expertise in mortgages was impressive. He made a complex process seem straightforward. I wholeheartedly recommend Rick as a mortgage broker. He is not only skilled but also genuinely cares about his clients' success.
Yolanda
Yolanda
2023-09-27
I did my due dilligence looking at various brokers and was pleased to have received excellent help and direction from the Regal Finance Group. From the lead advisor to the administration team we were kept updated and communication was steady. Our situation was not an easy one for the team but they persevered and assisted us well.
Peter Nelson
Peter Nelson
2023-08-22
We've had a great experience with Regal Finance Group both getting our mortgage initially and now re-mortgaging a few years later. Particulalry during the current turbulent market we really appreciated how calm they made us feel by presenting our options clearly and answering all of our questions. We'd highly recommend them, they have really taken the stress out of mortages!
samantha sothcott
samantha sothcott
2023-08-02
Matthew and Kirsti at Regal Finance have been absolutely brilliant through a difficult remortgage. Always available to talk through anything and explain processes when needed. I would definitely recommend their services and thank them for their guidance.
amy evans
amy evans
2023-08-01
Kirsti and Matt were super helpful and always at the end of the phone to explain everything in detail to me. They saved us a lot of money and had great contacts to use and everyone worked together really well to get it over the line in time. Would highly recommend
izzy P
izzy P
2023-06-15
Can not recommend enough! Matthew and his team gave me the most amazing support throughout my process. Buying a property for the first time can be daunting and Matthew gave me fantastic advice and talked me through everything in as much detail as I needed.

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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