Guildford insurance broker boosts team

Friday, 25th September, 2020
Guildford insurance broker

Insurance broker in Guildford, Complete Cover – part of award-winning Guildford mortgage brokerage, Complete Mortgages – has expanded its team following the appointment of protection insurance specialist, Adam Perry.

Adam joins the team from prominent UK mortgage firm, The Mortgage Store, where he spent four years leading on protection insurance and building a team of 30 mortgage introducers.

Prior to The Mortgage Store, Adam spent time as a mortgage adviser for Countrywide – the UK’s largest property services group. At Complete Cover he will specialise in life insurance, critical illness cover and income protection insurance.

On joining Complete Cover in September, Adam comments: “This is an exciting opportunity to help grow the Complete Cover team and build its referral network by leveraging the relationship with its sister brand, Complete Mortgages. I now look forward to working with the team and contributing towards its continued growth.”

Mark Finnegan, Director at Complete Mortgages, adds: “It’s great to have Adam on board and we’re delighted to welcome yet another former Countrywide high achiever to the team. Despite the current climate, our mortgage and insurance divisions are seeing year-on-year growth, so it’s essential that we have highly skilled and experienced members of the team to meet this increasing demand.”

In addition to being a protection insurance specialist, Adam is a qualified on-call fire fighter, having just completed an NVQ in critical care.

For further information or to apply for protection insurance with Complete Cover contact the team on 01483 238280, email info@complete-mortgages.co.uk or visit www.complete-mortgages.co.uk.


Why you shouldn’t put off getting insurance cover

Friday, 12th June, 2020
insurance cover

We know that there are many people out there who are happy to take their chances when it comes to buying personal insurance cover.

Of those people, there will be some who, having not taken out personal insurance cover, will have lived to a ripe old age without illness – and who would have felt a sense of achievement at having not spent the money on personal insurance over their lifetime.

And that really is a great thing. After all, who really wants to commit to the cost of monthly personal insurance premiums. If car insurance was not legally required, then it, too, would become optional like life insurance, critical illness cover and income protection.

Sadly, however, there is no way of truly knowing what lies ahead (who could have predicted a global pandemic in 2020, for instance!). And, as a result, the difference between taking out personal insurance and not taking out personal insurance comes down to gambling.

Take these two recent examples, both of which relate to two of our existing clients.

Both are true.

1. Life insurance

Client A took out a joint life insurance policy several years ago. Only 18 months ago they increased their mortgage liabilities – but declined to increase the level of insurance cover due to competing priorities. Sadly, at the beginning of the year, her partner suffered a stroke, is awaiting heart surgery and cannot work. They’ve also recently had their first baby. The client very recently contacted us to arrange more comprehensive life cover for their partner – but it’s too late.

Had he taken out the cover before the event it would have been a different story.

2. Critical illness cover

Only recently, Client B, a fit and healthy person in his early twenties, was diagnosed with testicular cancer. As a client of ours, he received £135,000 from a critical illness policy we arranged a few years ago. Without that policy, he would not have been able to claim for anything.

Both examples demonstrate how people can be affected – both positively and negatively – by personal insurance decisions. As a Guildford insurance broker, we see both sides on a regular basis.

Personal insurance carries a cost for a service we hope you never have to use. But if you do have to make a claim – and are able to make a claim – then at least financial worries will be something you can put to the back of your mind whilst you tackle concerns relating to your health.

Complete Cover – Complete Mortgages’ insurance division – understands the challenges around insurance and our team of personal insurance experts are here to help. Contact us on 01483 238280 or email info@complete-mortgages.co.uk to discuss your personal insurance requirements or to get a personal insurance quote.


Beat the storm-related home insurance price rises

Monday, 9th March, 2020
home insurance

Given the recent spate of stormy weather that’s lashed the UK, leaving many places in a state of disrepair and sadly affecting the lives of many people, you’d be forgiven for thinking ‘is my home covered against storm damage?’ or ‘should I update my home insurance?’

Storms Ciara and Dennis may even have seen you delve into that filing cabinet lurking at the back of your cupboard to check your home insurance policy against storm damage.

And, with Fitch Ratings – a provider of credit ratings, commentary and research – reporting that insurers are set to pick up a storm damage bill of over £500m, then it would be reasonable to assume that the cost of home insurance premiums will rise in 2020/21 to offset any storm related losses.

As a Guildford insurance broker, the majority of our clients are not located on flood plains or situated by large rivers that cause havoc when breached. However, the rising cost of home insurance – even if the catalyst for that price rise is limited to specific areas in the UK – tends to affect everyone.

Just as Complete Mortgages is renowned for having access to a comprehensive suite of competitive mortgage deals, Complete Cover, our insurance division, also has access to a wide range of competitive home insurance deals, too.

As a result of the hefty bill that insurance providers are about to be hit with, it may pay to get a new home insurance quote sooner rather than later and lock in a good home insurance deal now before prices rise even further.

Towards the end of last year MoneySupermarket revealed that the cost of home insurance has risen by 25% over the last three years – a trend that is likely to continue. But weather-related events, such as storms, tend to see premiums spike even further, which is why we’re encouraging existing and prospective clients – particularly those coming up for insurance renewal – to look at their options, choose a good home insurance deal and aim to beat any storm-related insurance price hikes that may be put in place before the next storm hits.

If you’re looking for an insurance broker in Guildford or would like to discuss your home insurance options, contact the Complete Cover team on 01483 238280 or email info@complete-mortgages.co.uk.


Could the New Year be a time for a new insurance policy?

Friday, 25th January, 2019

The arrival of a new year presents the perfect opportunity to set goals for the coming 12 months, achieve what you perhaps didn’t the year before and ensure that the year ahead is as enjoyable and productive as it can be – which is why it’s a great time to review your existing insurance policies, too.

Yes, Christmas – a time when burglaries are reported to increase – is behind us, but there’s no harm in making sure that you’re as well protected as you possibly can be all year round.

Whilst prevention is without doubt the most important factor when it comes to theft of any kind, the simple realities of life mean that sometimes, prevention is not an option and it becomes necessary to have to deal with a burglary after the event.

The positive news is that most people have good home insurance that can safeguard against any losses. Sadly, however, there are those who do not.

As a Guildford insurance broker that offers comprehensive home insurance, we try to encourage our clients to make sure that their home insurance policy is up to date and that all those new items purchased for loved ones – and themselves – over the festive period such as new jewellery, watches and other expensive items, are recorded as named items.

Forgetting to add that precious item onto the policy is all too easy to do and the consequences can be devastating.

Whether you’ve had to buy a new TV for that extension you had done last summer, or decided that you couldn’t live without this year’s specialist road bike, it’s worth sparing half an hour to make sure that you have everything covered.

Also, now that we’re at the start of 2019, it’s not only a good time to check your home insurance policy but also review ALL your existing insurance policies to make sure that they, too, reflect any changes that may have occurred over the course of last year.

Complete Cover recommends that you review any life insurance cover, critical illness cover and income protection insurance products that you may have at the beginning a new year. For example, any changes to your health over the last 12 months will need to be updated on your policy, too.

Taking time out to review your insurance policies at the start of the year means that you can enjoy 2019 without worrying about it again – well, until the start of 2020, at least. The good news is that Complete Cover is on hand to manage all the paperwork for you; all you need to do is call us.

We’ve also just expanded our team, having promoted Gemma Sawyer, who has been with Complete Mortgages since 2012, to an insurance adviser. Gemma can be contacted at gemma@complete-mortgages.co.uk.

If you’re looking to renew an insurance policy – or you simply don’t have one – then our team of Guildford insurance specialists will be happy to help. Contact us on 01483 238280 or email info@complete-mortgages.co.uk.

By Carolyne Fairfull, Insurance Adviser at Complete Cover