FAQ's

General Questions

Privacy Policy

1. We may collect personal information about you from sources (if available) including:

(a) when you contact us with an enquiry or in response to a communication to us;

(b) from publicly available sources such as the electoral role;

(c) from referencing agencies that may verify your identity, in accordance with the money laundering regulations

(d) when you agree to buy a product/service from us.

2. You'd expect us to be concerned about the confidentiality and use of your personal information, and we are. We will use your personal information for purpose including:

(a) to help provide quotations, administer your policy and for compliance reviews where we have a duty to do so. We may transfer our rights and duties under any agreement in execution of your business;

(b) to keep in touch with you so that you hear about any special offers and new products that may be of interest to you. Should you have come to us through and intermediary or introducer, they sometimes ask us to confirm who has taken up a policy from us. This allows them to monitor our performance and customer service. Generally most communication is by telephone or e-mail.

(c) from time to time, we would like to tell you about special customer promotions provided by third parties. Rest assured, we will do our very best to ensure these match your likely interests and requirements. Again, most communication is by telephone or e-mail.

(d) to help administer accounts, products and services for which you are a customer;

(e) to help detect fraud or loss

3. Information you supply may be used by insurance companies who provide services to us for the purpose of administering and processing you application.

Your will be stored on computer, but will not keep them longer than necessary.

For our joint protection and staff training , some calls may be recorded and/or monitored. This is in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Cookie Policy
What is a cookie?

Cookies are small text files that are stored on your computer's hard drive by websites you visit to enable the site to 'remember' who you are, and maybe allow functions on the site to work for you. In general, the cookies are only visible to the site that serves them, not to other websites.

Our use of cookies

We serve cookies directly from our website so we are able to 'remember' you on any part of your journey through the our site.

To allow us to analyse the performance and statistics on the our website, we do use an analysis tool, in this instance, the Google Analytics tool (see http://google.com/intl/en-uk/analytics/). Google Analytics uses persistent cookies to track data. These cookies do not collect any personally identifiable information and are only used for the statistical collection of data such as visits and page use. Google Analytics store IP addresses but we cannot link these addresses to any individual or path through the website. Google uses the cookie to read information and evaluate visitors' use of the website in the form of statistical reports that we can access. The Google Analytics code is incorporated into our site's code so that our site serves the cookies, but Google has access to the cookies.

'IP Address' - a numeric address assigned to you when you turn on your computer or router. These addresses are generally dynamic and change every time you reconnect or reboot your router.

Google's Policy

Google Analytics' terms require us to reproduce the following wording in this policy:

This website uses Google Analytics, a web analytics service provided by Google Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on the website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Your Choices - Accepting or Refusing Cookies

Most browsers automatically accept cookies and you should be able to accept, delete or reject them if you wish by adjusting the settings on your browser. This may affect your visit to the our site and it is likely to affect your use of the many other sites that use cookies to operate successfully.

Life Insurance

All our life insurance and critical illness cover quotes are FREE for UK residents.

Most insurers will commence your life cover immediately upon receipt of your monthly payment, however some insurers will only pay out after a certain time has passed from when you first bought your life insurance policy. It is worth checking policy documentation prior to buying your life insurance policy either with l or any other life cover provider.

People with some medical conditions are automatically accepted with some providers, others may want you to have a medical test and have the results sent to them.

Personalised life cover quotes can be with you within a few hours, if you apply for a quote Monday to Friday or the next working day if you apply for your quote over the weekend and bank holidays.

The providers we work with will happily accept applicants from the Channel Islands,UK including those from the following cities: Saint Peter Port, Guernsey Island, Saint Sampson, Saint Anne, Alderney, Saint Helier, Saint Lawrence, Saint Peter, Saint Ouen, Saint Mary, Grouville, Saint Brelade, Saint Saviour, Saint Clement, Trinity, Saint John, Saint Martin

We understand that some people are not comfortable in buying life insurance cover or l over the internet hence our life insurance service was built for people like you in mind.
While so many life insurance price comparison sites and life insurance providers offer their quotes solely via their website nowadays, we decided to go the extra mile and provide you with a more personalised service over the phone.

In most cases, life insurers will approve you, however when asked we suggest you inform this to them.

At this moment, our life insurance providers we work with only cover UK residents.

It is worth reviewing your life insurance documentation to check whether your life insurance policy will cover you while you are abroad either on holidays or residing abroad.

There are some professions that insurers class as high-risk. If your job falls into that category, your monthly life insurance payments are likely to be slightly higher than a low-risk profession.

Personal Loans & Homeowner Loans FAQ's

APR stands for Annual Percentage Rate which shows the overall cost of credit as an annual rate of charge.
It includes interest, charges and any other costs involved in getting credit, making it easy to compare loans across the lenders.
Representative APR are advertised as the rate which lenders must give to the majority of their accepted customers within the promoted tier.

You can take a loan (be it a personal loan or a homeowner loan) for a variety of reasons. Maybe you would like to upgrade your kitchen and do not have the funds or maybe you would like to consolidate all your debts into one monthly repayment, a loan home improvement loan or a debt consolidation would be ideal, respectively.

Most loan lenders have a different criteria to one another as to whether they will be giving you a loan with a low APR rate. The factors vary considerably, some lenders may look into your previous debt paying history and find out whether you pay your bills on time, while others lenders will also look at whether or not you are able to afford the monthly repayments. As a rule of thumb, those who have an excellent credit history, will most likely be provided with a lower APR loan than say an individual with a not so perfect credit history. Homeowners are also likely to get lower APR rates than non homeowners, if you are unable to repay your debts, lenders may reposess your home, whereas if you do not own your home it is riskier for lenders to lend to you and consequently you will get a higher APR rate on your personal loan.

Some lenders may credit check you to ensure you are able to afford repayments on your loan, should they provide you with one.

Some lenders allow their customers to repay back the loan early than the originally agreed period (usually 5 years), however some may charge an early repayment fee. It is worth checking on your loan documentation whether this is something that your lender allows you to do.

Our UK lenders require customers to be resident in the United Kingdom and be over 18 years of age.

Most UK loan lenders do not provide repayment holidays. (It is worth enquiring, if this is something you are interested in.) Instead your first loan monthly repayment is due usually a month after your receive the borrowed funds from the lender.

Secured loans mean that your loan is secured in your home, which means that if you are unable to make repayments your home may be reposessed. Compared to a personal loan, you will be allowed to borrow more than the £25,000, most lenders limit on personal loans.

Not only can we help getting you a loan over of £25,000, but you will be given very competitive APR rates on your homeowner loan, if you are a homeowner. In case you are not a homeowner, this will be difficult.

Different loan lenders have differing criteria as to who they want to lend money to. We have heard reports that people with impeccable credit history being refused a loan from elsewhere.
We work with a wide variety of lenders who will, in most cases, accept your loan application, whatever your credit history is and provide you with a competitive APR rate.

All our life insurance and critical illness cover quotes are FREE for UK residents.

Most insurers will commence your life cover immediately upon receipt of your monthly payment, however some insurers will only pay out after a certain time has passed from when you first bought your life insurance policy. It is worth checking policy documentation prior to buying your life insurance policy either with l or any other life cover provider.

People with some medical conditions are automatically accepted with some providers, others may want you to have a medical test and have the results sent to them.

Personalised life cover quotes can be with you within a few hours, if you apply for a quote Monday to Friday or the next working day if you apply for your quote over the weekend and bank holidays.

The providers we work with will happily accept applicants from the Channel Islands,UK including those from the following cities: Saint Peter Port, Guernsey Island, Saint Sampson, Saint Anne, Alderney, Saint Helier, Saint Lawrence, Saint Peter, Saint Ouen, Saint Mary, Grouville, Saint Brelade, Saint Saviour, Saint Clement, Trinity, Saint John, Saint Martin

We understand that some people are not comfortable in buying life insurance cover or l over the internet hence our life insurance service was built for people like you in mind.
While so many life insurance price comparison sites and life insurance providers offer their quotes solely via their website nowadays, we decided to go the extra mile and provide you with a more personalised service over the phone.

In most cases, life insurers will approve you, however when asked we suggest you inform this to them.

At this moment, our life insurance providers we work with only cover UK residents.

It is worth reviewing your life insurance documentation to check whether your life insurance policy will cover you while you are abroad either on holidays or residing abroad.

There are some professions that insurers class as high-risk. If your job falls into that category, your monthly life insurance payments are likely to be slightly higher than a low-risk profession.