General Insurance

Why have insurance?

Having buildings insurance is mandatory when taking a mortgage, regardless of whether you're buying a property or remortgaging. If you are purchasing a leasehold property, this may be covered by a maintenance charge. If you are purchasing a freehold property, the buildings insurance will more than likely need to be covered by you.

It is a condition of every mortgage offer than buildings insurance is in place. If you are purchasing a freehold property, you will need buildings insurance in place for the exchange of contracts. Our bespoke product offers free standard buildings insurance between exchange of contracts and your completion date, so you only pay for the cover once you complete.

Aside from the mandatory aspect, insuring your property and contents is important. Imagine having to rebuild your property or replace all of your contents following a flood or fire. Our advised service will be able to guide you through the process, ensuring your property and contents are covered to the right level, at the right time.

Why choose our home insurance?

We mirror the mortgage process and have regular contact with your mortgage adviser to ensure your policy is set up at the correct point in the process.

When you speak to us about Home Insurance you will be speaking to a trained insurance adviser who will understand your needs and tailor a policy to suit your personal requirements.

Your adviser will make sure your property is insured for the full rebuild value, as well as arranging cover for the contents of your property, including personal valuable items you take away from home such as jewelry, laptops and mobile phones.

Our customers can also qualify for home Emergency Cover (buildings insurance only) and Family Legal Protection (buildings and contents insurance). Home Emergency cover is a 24 hour helpline for emergencies at your property, such as a break in, a water leak or boiler failure. Our insurer will arrange for a tradesman to attend any time day or night to rectify the emergency, up to the value of £500 per call out.

Benefits of arranging your home insurance with us

Our Testimonial

  • had the pleasure of working with Marietta recently, relating to a new buildings insurance policy required for the property I manage. The previous premium had been very high and I was keen to lower the expenditure for all the leaseholders. Marietta worked thoroughly and quickly to find a new policy that actually offered more cover than the previous policy for a greatly reduced price. I wouldn't hesitate to use her services again and highly recommend her.

    Jackie Edgar
  • Getting a mortgage (or in our case refinancing our existing mortgage) can be a very stressful time. Trying to determine the best rate and terms, or deciding who has the best offer, is a real challenge. We did our homework, but it was a daunting task until we called a Mortgage Professional at G&M Financial Services. Due to our opposite work schedules and busy family most of the process was conducted via phone and email, which was a great option for us. Our Mortgage Professional answered all our questions in a professional and prompt manner and showed us various options that she felt would be best for us. There was no pressure for a specific product or financial institution, she was focused 100% on providing our best solution. She even recommended a few lawyers to consult, and then arranged our appointment once we had chosen one. Thanks to our Mortgage Broker we completed the process quickly and painlessly. We couldn't be happier with the service we received, and will definitely be returning to To G&M Financial Services after our term is complete.

    G & S
  • You have always taken the time to assist myself and my Husband, even when we haven't made an appointment to see you. You always graciously take my phone calls and go above and beyond to help out any way you can. Thank you for all your advice and assistance over the years. We look forward to a long business relationship with you.
    Thank you for all your help to guide me through my first investment property. It's much appreciated