HQMF can help you decide on the correct levels of insurance, together with the most appropriate policies and which insurance company to use.

Buildings and Contents
Buildings and contents insurance is designed to help protect your bricks and mortar and to cover your contents in the home and your personal possessions away from the home if you wish. The summary of these policies vary from provider to provider.

Life Cover
Life Cover is a policy that is designed to pay a lump sum and / or income on the death of the insured (or certain other specified events in some policies). This may be used to pay off some or all of your outstanding mortgage.

Critical Illness Cover
Critical Illness cover is a policy that is designed to pay out a lump sum and/ or income where the insured is diagnosed with a particular medical condition as specified in the policy wording. This may be used to pay off some or all of your outstanding mortgage, which in turn gives help at a very difficult time.

Accident & Sickness Cover
Accident & Sickness Cover is designed to pay your mortgage payments should you be unable to work due to accident or sickness. This cover is generally short term in nature and will only usually pay out for a maximum period of 12 to 24 months.

Unemployment Cover
Unemployment cover is designed to pay your mortgage payments for the term of the contract if you are made redundant.

Income Protection
Income protection (or Permanent Health Insurance) is designed to pay a monthly income until return to work, retirement or the end of a specified term whichever is sooner.

We aim to provide you with competitive cover tailored to suit your needs - let us try to beat your current provider.