Insurance Products

• Home Insurance
• Life Insurance

Home Insurance

There are two types of household insurance policies. Buildings insurance protects you against damage to the structure of your home together with its fixtures and fittings and home contents insurance protects you against damage or loss of the possessions that you would normally take with you if you moved.

Both policies cover you against a stated list of perils for example; fire, subsidence, theft, flood and storm, as well as providing important cover for your legal liabilities as a homeowner and occupier.

Home insurance can come in three classifications; buildings insurance which will insure the physical structure of the property, contents insurance which covers your possessions within the home and a combined policy which includes cover for both your buildings and contents. There is an optional fourth section of cover, personal possessions cover, which you can buy additionally to protect your property outside of the home.

Personal possessions or 'all risks' cover protects you property once you leave your front door - remember if you only have contents cover, that’s where it stops. So for things like handbags, clothing, jewellery, cameras, camcorders, bicycles etc, this is a section of cover you should really consider adding on. Personal possessions cover can also save you money as you wouldn't have to buy this cover on your travel insurance - although if you had a claim it would go against you home insurance policy.

Who wouldn't want to pay less for their Household and Buildings Insurance? Then again, who wouldn't want the best possible cover they could get too?

Miles & Barr will find you competitive home insurance, whether you choose buildings insurance, contents insurance, or both, you can be sure of one thing. If the unexpected happens we won’t create an unnecessary fuss.

For more information call Miles & Barr or visit your local branch.

Life Insurance

Here at Miles & Barr we want to get you your dream home and help you keep it. The last thing you want to worry about is money if anything were to happen.

Life and critical illness protection

You may not like to think about it, but your death can be costly to your loved ones. At the very least, there will be funeral and burial costs. There may also be estate taxes and outstanding debts to pay, such as medical expenses not covered by health insurance. If you have dependents, they will have to cope with these costs while no longer having your income to rely on.

The proceeds from a life insurance policy can be of tremendous value at this time. It will provide economic assistance to your family so they can pay off the mortgage, college tuition and other ongoing expenses and maintain their current lifestyle.

However there are some simple solutions. Life cover and critical illness cover can help lift the financial burden if the unfortunate were to happen.

We have put together a simple guide on life and critical illness protection

What is life insurance?

Life insurance helps you provide financial security for your loved ones if you die or become terminally ill during the course of the plan.

Who needs it?

If you have a family or partner who are financially dependent on you, or if you have a mortgage then life insurance could be for you.

How much is it?

Life cover can cost as little as £5 a month. To get a personalised life insurance quote call Miles and Barr or visit your local branch today.

What is Critical Illness Cover?

Critical Illness Cover is an insurance plan that pays out a guaranteed cash sum if you're diagnosed as suffering from a specified critical illness, within the term of the plan. The plan has no cash-in value at any time.

Please use the details below to contact your nearest advisor.