Personal Services

Our services

Expert health cover, tailored for you – because your health and wellbeing comes first.

1. Understand Your Needs

We start with a friendly chat to get to know you, your healthcare priorities, and understand what’s most important - whether it’s fast access to specialists, specific treatments, or best value.

2. Find the Right Cover

With access to a wide range of insurers, we do the hard work for you, comparing policies to find the best insurance plan that fits your lifestyle and needs.

3. Explain Your Options

We’ll walk you through your choices in plain English, making sure you feel confident about your decision and fully understand what’s included in your policy.

4. Ongoing Support

Our service doesn’t stop once you’re covered. Whether you need help making a claim, adjusting your policy, or renewing, we’re always here to offer advice and support whenever you need us.

Private Medical Insurance

Private Medical Insurance (PMI) provides individuals with access to private healthcare services, offering faster treatment and greater flexibility compared to the NHS. It’s a popular choice for those seeking peace of mind and control over their health.


Key Benefits of Private Medical Insurance


  • Faster Treatment: Skip NHS waiting lists and access consultations, diagnostics, and treatments promptly.


  • Choice of Hospitals and Specialists: Select from a network of private hospitals and choose a specialist for your treatment.


  • Flexible Appointments: Arrange appointments at times that suit your schedule.


  • Comfortable Environment: Enjoy private rooms with enhanced facilities, ensuring a more comfortable recovery experience.


  • Access to Advanced Treatments: Some policies cover cutting-edge treatments and medications not widely available on the NHS.


  • Tailored Coverage: Policies can be customised to fit your needs and budget, with options to include extras like mental health support, dental care, or physiotherapy.


PMI is ideal for individuals who value convenience, flexibility, and a higher level of personalised healthcare. By investing in private medical insurance, you gain control and confidence in managing your health so you can focus on what matters most.

Life Insurance

Life insurance provides financial security for your loved ones by paying out a lump sum or regular income if you pass away during the policy term. It’s an essential safety net for those looking to protect their family’s future.


Key Benefits of Life Insurance


  • Financial Protection for Loved Ones: Ensures your family can cover living expenses, mortgage payments, and other financial commitments in your absence.


  • Debt Coverage: Helps settle outstanding debts, such as loans or credit cards, relieving your family of financial burdens.


  • Peace of Mind: Provides reassurance that your dependents will be cared for financially, no matter what happens.


  • Flexible Policies: Choose from different types of cover, including term life, whole-of-life, or decreasing cover for mortgages.


  • Customisable to your needs: Tailor your policy with optional extras like critical illness cover, which provides a payout if you’re diagnosed with a serious condition.



  • Affordable Protection: Policies can be adjusted to suit your budget, making life insurance accessible to many households.


Life insurance is an important step in securing your family’s financial stability and giving you confidence that their future is protected.

Income Protection

An income protection policy will provide you with a regular income if you’re unable to work due to illness or injury. Payments continue until you recover, retire, or reach the policy’s end - a true safeguard.


Key Benefits


  • Financial Security: Covers essential bills if you can’t work.


  • Ongoing Payments: Unlike critical illness cover, it provides continuous income.


  • Flexible Options: Choose payout amount, deferred period, and coverage length.


Things to Consider


  • Deferred Period: Time before payments start (e.g., 4-26 weeks).


  • Benefit Amount: Typically 50-70% of earnings.


  • Policy Term: Short-term (1-2 years) or long-term (until retirement).


  • Occupation Coverage: Some policies pay only if you can’t perform your specific job.


Who Needs It?


  • Self-employed individuals without sick pay.


  • Employees reliant on salary with little savings.


  • Anyone with financial commitments (e.g., mortgage, rent, family).


Ultimately Income Protection provides peace of mind by ensuring you have a steady income if you’re unable to work due to illness or injury. It removes the stress of worrying about how to pay bills, rent, mortgage, or daily expenses, allowing you to focus on recovery without financial pressure.

Critical Illness

Critical illness cover is an insurance policy that provides a tax-free lump sum if you’re diagnosed with a serious illness covered by the policy. This money can be used however you choose, helping ease financial pressure during a difficult time.


Key Benefits


  • Financial Security: Provides a lump sum to cover medical costs, household bills, or lost income.


  • Mortgage and Debt Protection: Helps pay off a mortgage, loans, or other financial commitments.


  • Support for Treatment and Recovery: Can fund private treatment, rehabilitation, or lifestyle adjustments.


  • Flexible use of Payout: Spend the money however you need, whether for medical expenses, living costs, or supporting your family.


  • Peace of Mind: Knowing you’re covered if diagnosed with a critical illness like cancer, heart attack, or stroke.


Who Should Consider It?


  • Homeowners: Help pay off a mortgage if you can’t work.


  • Parents and Families: Provides financial support if illness affects your ability to provide for loved ones.


  • Self Employed Individuals: No employer sick pay? A lump sum can cover lost income.


  • Anyone with Financial Commitments: Ensures financial stability during recovery.


This financial safety net allows you to focus on treatment and recovery without the stress of worrying about lost income, medical costs, or household bills. It’s especially reassuring if you have a mortgage, dependents, or financial commitments, as it ensures you and your loved ones are protected from financial hardship during a difficult time.

Travel Insurance

Travel insurance offers financial protection and peace of mind while you’re away from home. Whether traveling for leisure or business, it ensures you're covered for unexpected issues during your trip.


Key Benefits of Travel Insurance


  • Medical Coverage: Covers emergency medical expenses, hospital stays, and repatriation costs if you fall ill or get injured abroad.


  • Trip Cancellations or Delays: Provides reimbursement for prepaid travel costs if your trip is canceled or delayed due to unforeseen circumstances.


  • Lost or Stolen Belongings: Protects against loss, theft, or damage to luggage, passports, and personal items.


  • Personal Liability: Covers legal costs if you’re held liable for injury or property damage during your trip.


  • 24/7 Assistance: Many policies offer round-the-clock helplines to assist with medical emergencies or other travel issues.


  • Customisable Plans: Options are available for single trips, annual cover for frequent travelers, or specialist policies for adventure sports or business trips.


Travel insurance is a vital safeguard, ensuring you’re protected against unexpected costs and disruptions, allowing you to enjoy your trip with confidence.

Interested in our services? We’re here to help!

We want to know your needs exactly so that we can provide the perfect solution. Let us know what you want and we’ll do our best to help.

Book an appointment
Share by: