Accident * Sickness * Unemployment * Redundancy * Francis Granville Insurance Services

Let us research the market for you to find the most competitive and comprehensive cover for your requirements

With access to a hundreds of schemes, including the leading insurers and specialist insurers, let us save you time in researching the available providers, money on your premiums and ensure you get a great deal of cover.

You choose how you want to arrange your cover, either with instant quotations and online applicationsor forward your details so we can research the market for you and send your quotation by email or  post or contact us for some free no obligation advice.


If the above two chosen providers do not beat your current premium and cover, or meet your requirements, send your details via our request a quote facility below and we will research the market for you.   


Free no obligation quotation to your email or by postLet us research the market for the best cover & cost

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.    

* Highly competitive Premiums & Rates  * No premiums to pay for up to 6 months on selected schemes  * Cover available up to £ 2,500

* Cover not limited to - just your mortgage or rental payments - or to a % of your salary - or a set % above your mortgage payment

* No initial exclusion period for redundancy cover if you are starting a new mortgage/re-mortgage or transfering from an existing plan

*Choose the benefit level to suit your circumstances  * Benefit payment periods of 12 or 24 months  * Hospitalisation benefit

* Option to include additional life cover  * Jobcare assistance in returning to work  *  Benefit payable back to day one of your claim

* Choose the waiting period before you receive your benefit to suit you  *  Longer waiting periods available which can reduce your cost

* Choose to have full Accident Sickness & Redundancy cover or Accident & Sickness only or Redundancy and Unemployment cover only

* Protect your mortgage payments - rental payments - other outgoings - your income.  * Many schemes available to suit your needs  

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

 Need some free no obligation advice - no call centre     Contact us on 0845 257 2042 we will always be pleased to hear from you


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.


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 cannot 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"


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"


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"


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"


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.


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"

   About our insurance services and terms and coditions in using our web site

Francis Granville is a trading name of C G 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