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Free no obligation quotation sent back to your email. We will research the market for the best cover and cost for your individual circumstances from the leading insurers.We will automatically ensure you take advantage of the best deals special deals,and discounts,whilst ensuring the policy will provide you with the cover you need, or if you need some free, no obligation advice, we will always be happy to hear from you.
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We are members of D&D Homecare Ltd & CETA Network who both act on customer's behalf to arrange Accident Sickness & Redundancy insurance.By clicking the link you will be leaving this site and we will not be responsible for any advice. However if you need assistance we will always be pleased to hear from you.  


Free no obligation quotation sent back to your email. We will research the market for the best cover
and cost for your individual circumstances from the
leading insurers.We will automatically ensure you take advantage of the best deals, special deals and discounts,while at the same time ensuring that the policy will provide you with the cover you need.           






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  • Highly competitive premiums and rates
  • No premiums to pay for up to six months on some schemes
  • Cover not limited to just your mortgage/rent payments
  • Cover not limited to a percentage above your mortgage payments
  • Cover not limited to a % of salary
  • Cover available up to £ 2,500
  • No initial exclusion period for unemployment cover new mortgages
  • No initial exclusion period for unemployment cover if transferring
  • Choose the benefit level to suit your circumstances
  • Choose your benefit period of 12 or 24 months.
  • Hospitalisation benefit
  • Valuable Life Cover Included
  • Job Care assistance in returning to work
  • Choose the waiting period before you receive your benefit to suit you
  • Choose a longer waiting period before you receive benefits
  • Full cover available or just have redundancy cover
  • Full cover available or just have accident and sickness cover
  • Protect your income if you have a mortgage and other outgoings
  • Protect your income if you don't have a mortgage

Terms and conditions apply to all the above and not all options are available on all schemes.


Need some free no obligation advice? - we will always be pleased to hear from you. Tel 0845 257 2042 (local rate) 

Francis Granville is a trading name of C C Ward who are Authorised and Regulated by the Financial Services Authority. C G Ward is entered in the Financial Services Authority Register Number 306846 which can be viewed at www.fsa.gov.uk/register


We have detailed below the main issues you should consider when arranging your Accident, Sickness & Redundancy policy. This is not a comprehensive guide, but we are here to assist you personally in answering all of your questions.

  • WHY DO I NEED IT?

Becoming unemployed can cause many problems, not least the fact that there simply may not be any money to pay the  bills.Most people will agree that their home is their most important material possession, yet if the mortgage payments can not be made, the security of a home can be taken away.

You can not rely on the state to help you cover your mortgage repayments if you can not work. There is no help for the first nine months of unemployment or disability for mortgages taken out since October 1995.Existing borrowers only qualify for benefit if they qualify for Income Support.

The risk of being without income due to accident or sickness is to some degree greater than being made unemployed as the last thing you want to worry about if you are unwell is money. Your employer may cover you for a certain period and the state may provide some assistance - but will this be sufficient?

" Don't think it will never happen to me - give us a call and we will give you all the scary statistics"

  • PROTECT YOURSELF

You can buy cover to protect your mortgage / rental payments and other income if you have an accident or become ill and cannot work or if you become unemployed or provide full cover for accidents, sickness and unemployment.The terms and conditions under which you can claim differ with every policy, so you should always check them very carefully.

" Get the peace of mind that comes with having cover - remember youcan't take out the cover after something bad has happened"

  • BENEFIT PERIOD

The benefit period is the length of time you can claim monthly payments for, and these vary for each policy. You can select the time period you want to be covered, 12 or 24 months, but the longer you want the cover for the more expensive the premiums will be.

"We can advise you on the cost of the different options"

  • WAITING PERIOD

There is also a waiting period - This is the amount of time you have to wait to start receiving your monthly benefits from the policy after you have become ill, had an accident or have been made unemployed.

Again this can vary from having no waiting period, with the benefit being back dated to day one of your claim to having 30, 60, 90 days or sometimes even longer waiting periods before your benefit is paid.

Generally speaking the longer the waiting period the cheaper the premium.

" Let us advise you on the costs and ensure you have the right waiting period to suit your circumstances"

  • INITIAL EXCLUSION PERIOD

Many policies have an initial exclusion period where you can not claim for redundancy at the start of the policy. This can be 30, 60 days or even longer. If you are starting a new mortgage or re-mortgage we have providers who will not impose this. Also if you are transferring from an existing plan for the same cover and have not made any recent claims, this can also often be waived.

  •  WHAT CAN I COVER

In addition to covering your mortgage or rental payments, companies will let you cover additional expenditure such as your monthly bills, council tax, loans, school fees etc etc in addition to your mortgage or rental payment. Some limit this to a % of your salary but again we have providers who do not impose this restriction.

" The level of cover you require may be available through one company but not another - let us find out for you."

WHO & WHEN

You can take out cover at any time during your mortgage, although the exclusion period will often be less if it is taken out when you are re-mortgaging or buying a new property. Some providers will give cover even if you have not got a mortgage.

You will have to be between 18 - 64 and resident and working in the UK to be eligible for the cover, and other factors such as your health history and employment history can also the availability. 

"Picking the right provider can not only give you a cheaper premium but also not have exclusions imposed on your policy that you did not need to have"