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General Insurance

General insurance is important for your peace of mind. It enables you to minimise the effects of unexpected and often unwelcome future events, and helps you to organise your personal and business life with greater confidence.

Personal Accident, Sickness and Unemployment Insurance

In the unfortunate event of an accident or sickness this cover provides peace of mind that your monthly outgoings can still be met. The cover also provides benefits should you suffer loss of capabilities, limbs etc. Ask yourself How would you meet your mortgage costs if unable to work due to an accident, sickness or unemployment.

Motor

All motorists must be insured against their liability for injuries to others (including passengers) and for damage to other people's property resulting from use of a vehicle on the road. It is an offence to drive your car or allow others to drive it without insurance.

Holiday & Travel Insurance

We all love our holidays, but what if you fall ill or have an accident; you could have money or luggage stolen; your holiday might be cancelled or cut short through injury or illness; you might have a road accident or have your car stolen. All these risks and more can be covered by a holiday insurance policy. If you take your car abroad you can extend your UK motor insurance policy.

Why buy travel insurance from your Travel Agent at an increased tax rate when we can offer you a greater range of cover and prices to suit you particular holiday requirements including:

Various extensions for skiing, watersports etc.
Single or family cover
Annual multi-trip policies
Worldwide cover

Household

You need to consider two kinds of household insurance policy. Buildings insurance, which covers the structure of your home and any fixtures and fittings, and contents insurance, which covers all the furniture and furnishings in your home.

Business Insurance

There are many aspects of business insurance to consider, including: buildings and contents, employers liability, professional indemnity, book debts, loss of money, public/products liability, goods in transit, deterioration of stock, consequential loss, all of which could affect offices, factories, vehicles and staff. Legal expenses insurance may also be worth considering.

Commercial Insurance

The protection of business premises and all the plant and equipment contained within, is as important as the cover we afford our own houses. Flood, fire, criminal or accidental damage could seriously affect production or, in extreme cases, temporarily cease output altogether. Safety in the workplace is also, of course, crucial and we offer all relevant insurance covering Employers and Public Liability.

For a FREE initial discussion or to answer any questions,
please contact us by email at:

info@jamesandassociates.co.uk

or by phone on:

01643 706888

James & Associates Financial Services Ltd is authorised and
regulated by the Financial Services Authority. James & Associates Financial Services Ltd is
entered on the FSA register under reference 408280.