• At Proadvice we are the experts in finding the most competitive prices for your insurance

    • Compare 100s of Home Insurance policies today
    • From the whole of the market
    • Independent specialist advice
    • Saving you money and time
    • 100% Fee Free
    • Our best quote promise
  • Protecting your home against the elements

    Whether it’s a fire, flood or even an earthquake, building insurance can see your house repaired and keep your family warm

  • Because they are more than just things

    Contents insurance makes sure the things in your home can be replaced should they be stolen or damaged

  • Call us today

    Landlords require specialist insurance, speak to one of our specialists

  • Who are you going to call?

    Its 3am, the pipe’s burst. With home insurance, you can have access to an emergency plumber

Building and Contents Insurance

What is it?

B&C is the insurance you take out to protect your home, for example, should someone steal your television or your roof collapses.  The insurance will pay out money to repair your home or replace your contents.  Depending on your circumstances you may need to speak to a specialist adviser.   Building and Contents is classed as general insurance.  General insurance covers events that may or may not happen, such as accident, fire or theft, as opposed to life assurance, which covers an event that will definitely happen at some point, such as retirement or death.

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What is covered by Buildings insurance and what is covered by contents insurance?

If you could turn your house upside down and shake it, everything that falls out, your furniture, electric equipment and white goods would be considered as contents.  When you claim on the contents part of your plan, the insurer allows you to repair or replace the item.  Options such as new for old or indemnity can be chosen to suit every budget. 

The things that would be left behind such as pipes, windows and the bricks would count as buildings insurance.  The insurer will cover these items if the roof is damaged by a storm or the pipes burst.  The insurer can arrange a workman to get out to your home no matter what time of day or night.  Its aim is to cover the repair or damage.  Some insurers will cover the additional costs too such as the hotel bill while repairs are being carried out or the call out charges to the plumber at 3am.

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Do I need it?

The modern home is full of gadgets and gismos that most people take for granted.  Televisions, laptops and washing machines have become part of everyday life.  These are expensive items and many people cannot just replace them at a moments notice should they get stolen or broken.  A call out charge for a plumber in the middle of the night can be expensive and that is even before he starts work!  The insurer can provide you with help and support to ensure that you can get back on your feet.  With knowledge that the building and its contents are covered, you can get on with living your life and enjoying your home.  At Proadvice we lead the way in Building and Contents insurance for new buyers, renewals and landlords.  We also have access to specialist insurers who can help you with self builds, unoccupied home insurance, homes on flood plains and non-standard builds and subsidence insurance. 

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The facts

So, you think you are covered for fire, theft and damage? Recent research shows that 6.8 million households are under insured by a figure of approximately £200 billion. The average household contents are shown below:

  • £10,000 of clothes
  • £4,000 worth of furniture
  • £3,000 worth of electrical items
  • £2,000 white goods
  • £1,800 jewellery

However, many people turn a blind eye to the true nature of their home and its worth. They only realise they are under insured when they go to make a claim. The insurers only insure a percentage value of your goods. If you have contents insurance for £25,000 but your possessions are worth £50,000 you only receive half of your claim of your contents, even if you are claiming for less than £25,000. If you have underinsured yourself by 50% then the insurance will only pay out on 50% of the claim's worth.  This is called condition of average which means that you may not get the full amount of cover as you have underestimated how much your stuff is worth.

You may think you are saving money by being under insured however, it could cost you much more in the long term.

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For building and contents we offer products from a selected panel of providers.

  1. FAQs
  2. Our Insurers
  3. Why us?
  4. Videos
  5. Contact Us
  6. Careers

Guides and frequently asked questions

Taking out Insurance can be daunting; to help with the process we have put together some helpful guides and have answered our frequently asked questions, or if you prefer speak to a Proadvice adviser.

Frequently asked questions

Compare Life Insurance Companies

When it comes to getting the right insurance policy it is important to speak to a Proadvice Provider who can tell you they key points of each plan. We compare 100s of different polices every day and can point out the important details to you. However if you would like to know more about the insurance companies and their history we have put together some interesting information and some key points of the policies they provide. The list below is a sample of providers used.

Choose from the list of great providers below to get started:

aegon ageas aviva axa british friendly
cirencester exeter family friendly friends life holloway friendly legal and general
lv partnership paymentshield pruhealth royal london
pruprotect shepherds friendly unum

Who are Proadvice?

Here at Proadvice our aim is to offer a professional service with our team of protection specialists and customer support. We offer you quotes with full impartial advice on the best products with plans designed to suit you. With our price guarantee we promise we will not be beaten.

The wealth of experience our specialist advisers possess enables them to explain and recommend the right products for you and therefore avoid any disappointment if the need for you or your family to claim did arise.

We make it our job to understand all of the policies inside out and understand the small print, so you can have complete peace of mind with your policy.

When buying insurance it is essential to find the right insurance company based on your health, hobbies, and your lifestyle as this will have a major effect on the final premium you will pay.

It is our job to find you the right insurance company with the very best cover for your circumstances and to also find you the most competitive rates in the marketplace today.

Here at Proadvice we do not charge a fee for the services we provide and can assist you on all elements of your personal protection from Life Insurance, Critical Illness Cover and Income Protection needs.

Why Proadvice?

Our sole aim is to advise and recommend the best polices for you should the worst happen. People come to Proadvice to ensure that when they take out a protection plan, they are going to be adequately covered. We have years of experience reading the small print, in fact we love the small print. It is one of the things that make us stand out from the crowd. We can advise you of the plans most suited to your circumstances and let you know what you are covered for and just as importantly what you are not, so you can have complete peace of mind before you take out the plan. The protection industry is an industry that wants to pay. Last year was a big year for pay outs and it is therefore important to know how to set the plan up correctly.

We know there might be more interesting and exciting things to do than taking out insurance however, we know how important it is to get it right. The insurance and financial industry isn't known for simplicity and can have difficult to understand literature.

Speak to one of our advisers today

Life insurance with advice

Taking out the cheap option may seem like the easies thing to do when taking out life insurance, critical illness cover and income protection. There are so many choices to make it can seem like you are in a minefield and unsure which way to turn and people could end up taking a policy not suitable or worse give up on the idea all together.

Most people will speak to an adviser who can guide them and recommended a plan that is tailor made for these circumstances. The other option would be to do it yourself and hope you have the right plan and it is set up correctly. In 2005 the Financial Services Authority (FSA) made buying insurance more easier to understand, if you wanted to sell life insurance you could offer advice or just offer a quote service and offer no advice whatsoever. With no advice you are on your own, all the broker can do is give you the means to set the plan up. If the plan ends up owing inheritance tax, does not pay out because of your hobby or has exclusion you were unaware of the buck stops with you.

When taking a policy with advice all the small print and clauses are highlighted to you and are explained in a jargon freeway. The adviser can also make recommendations and give guidance to you about what sort of plans are most suitable some you may have even been aware of. Best of all you are completely protected through The Financial Conduct Authority, Financial Services Compensation Scheme & Data Protection Act 1988.

Speak to your Proadvice financial consultant about getting advice today 01933 417 300.

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General Terms & Conditions

Opening Times

We are open from:

9am - 7pm Monday to Thursday

9am - 6pm on Fridays

9am - 2pm on Saturdays

Call us free on 08000 502 602

Mobile Friendly 01933 417 300

Or if you prefer pick a time for us to call you

Contact Us

To talk to an adviser straight away please call 01933 417 300 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

For any general enquiries or updates on cases, please contact our This email address is being protected from spambots. You need JavaScript enabled to view it.

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Recommend Us

To recommend a friend please email This email address is being protected from spambots. You need JavaScript enabled to view it. Remember to include your personal details so we know who to send the vouchers to.

If you have just had a baby in the last six months or know someone who has please contact us for your free baby life cover at This email address is being protected from spambots. You need JavaScript enabled to view it.

Challenge Us

If you want to take part in the customers challenge with your existing policy taken out in the last 12 months then please email the details of your plan and contact information to This email address is being protected from spambots. You need JavaScript enabled to view it.

We always want to hear how your experience with Proadvice went. We love to hear when things go well but as important we like to know how we can improve. Any comments would be gratefully recieved. Please email This email address is being protected from spambots. You need JavaScript enabled to view it.

Join Us

Interested in a career with Proadvice Financial Services? Please send your CV to This email address is being protected from spambots. You need JavaScript enabled to view it.

If you want to talk about any business opportunities or potential partnerships please contact This email address is being protected from spambots. You need JavaScript enabled to view it.

Link to us

If you are interested in placing a link on your site to Proadvice Insurance, Barker and Bass or Right Lettings, this can be done by simply copying and pasting the HTML below into the relevant page on your site:

http://www.proadviceinsurance.co.uk/

http://www.barkerandbass.co.uk

http://www.rightlettingscompany.co.uk

Protection Advisor - Rushden - OTE - £50k + Package

Due to expansion we are looking to recruit Protection Advisors to expand our sales team.

We are looking for insurance consultants with both customer service and sales focus with experience of working within a target orientated environment within Financial Services or Insurance.

We will offer excellent, ongoing training (including study towards professional qualifications) and offer fantastic career progression.

You will be required to give sound financial advice to meet their financial protection needs whilst offering unrivalled customer service.

As a Protection Adviser you will:

  • Work closely within a sales team to ensure that any potential clients protection needs are met
  • You will be taking enquires for customers for their insurance needs and then provide bespoke advice
  • Be responsible for and competent in, advising, servicing and building customer relationships

Experience required for the Protection Advisor Role:

  • Experience of working within a financial sales environment with a proven track record
  • Good general knowledge of the financial services industry and competitor activities
  • Strong interpersonal and communication skills
  • Efficient and accurate in following sales processes and completing related administration
  • Professional and credible
  • Highly focused to succeed and exceed expectations
  • Experience of working in a busy customer driven environment
  • The ability to work as part of a team

We are offering the right candidate a competitive starting salary and monthly uncapped commission.

To apply for the role please simply send your CV with a covering letter to This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact

If you wish to discuss this vacancy and all other vacancies that we have in the financial sector, please contact James Barker on 01933 417300. All calls will be treated confidentially.


Mortgage & Protection Consultant - Rushden - OTE - £50k + Package

The ideal candidate will have a proven back ground in sales, be highly motivated, well presented and eager to succeed. Previous experience in mortgages would be ideal, however if you are looking for a change in career with a high profile company that will provide you with the latest mortgage qualifications (Cemap), apply below.

You will provide an effective and efficient mortgage advisory/placement service to customers of the company ensuring the provision of "best advice" in line with company procedures and statutory rules and regulations.

As a Mortgage & Protection Consultant you will:

  • Work closely within a sales team to ensure that any potential clients mortage & protection needs are met
  • You will be taking enquires for customers for their mortgage and insurance needs and then provide bespoke advice
  • You will be based in a local estate agency and will advise over the phone as well as face to face
  • Be responsible for and competent in, advising, servicing and building customer relationships

Your main tasks will involve:

  • Experience of working within a financial sales environment with a proven track record
  • Good general knowledge of the financial services industry, competitor activities and the mortgage market
  • Strong interpersonal and communication skills
  • Efficient and accurate in following sales processes and completing related administration
  • Professional and credible
  • Highly focused to succeed and exceed expectations
  • Experience of working in a busy customer driven environment
  • The ability to work as part of a team

We are offering the right candidate a competitive starting salary and monthly uncapped commission.

To apply for the role please simply send your CV with a covering letter to This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact

If you wish to discuss this vacancy and all other vacancies that we have in the financial sector, please contact James Barker on 01933 417300. All calls will be treated confidentially.

Other types of cover

Life insurance

Life Insurance

It comes in many forms; its aim is to pay out an agreed amount to your loved ones in the event of your death.

see more

Health Insurance

Health Insurance

Health insurance or "going private" is an insurance policy designed to cover the costs of healthcare.

see more

Income Protection

Income Protection

Income Protection is a name given to several products, accident & sickness cover, permanent health insurance and redundancy plans.

see more

Critical Illness

Critical Illness

Critical Illness Cover turned 30 this year. It has developed in many forms over the years but the aim is still the same.

see more

Business Protection

Business Protection

I am sure you are like most people who feel as though you pay too much tax already?

see more

Keyman Insurance

Keyman Insurance

Keyman is a policy which protects your company should you lose a key worker due to illness or death.

see more

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