NEW! Online Quotation Tool - Takes less than 90 seconds and no credit checks!

Introduction To General Insurance

General Insurance in Northern Ireland

General Insurance Belfast

Last Updated: 17th October 2024

When it comes to protecting your home and finances, general insurance is a crucial part of your financial planning. It helps safeguard you from unexpected events like damage to your property, theft, or even sudden loss of income due to illness or unemployment. At AIMS-NI, Northern Ireland’s leading mortgage and homeowner loan advisory service, we understand how important it is to have the right insurance cover that meets your needs.

As independent, whole-of-market insurance brokers, we ensure you get the most competitive and comprehensive insurance available by comparing policies from all leading providers—not just a select few. Whether you’re looking for home insurance, buildings and contents insurance, or income protection, we’re here to make the process straightforward and stress-free.

Why General Insurance is Essential for Homeowners

General insurance offers peace of mind by protecting what matters most—your home and your financial well-being. Many people stick with the insurance policies provided by their mortgage lender, which may not always be the best fit for their needs. These default policies can be uncompetitive in today’s highly competitive market, and many homeowners don’t realise they could be underinsured.

For example, if you’ve renovated, extended your home, or your property has increased in value, your current insurance policy may not provide adequate cover. This could leave you at financial risk in the event of damage or a claim. By regularly reviewing and updating your insurance, you can ensure your home and contents are fully protected at all times.

Types of General Insurance We Offer

At AIMS-NI, we provide a range of general insurance products designed to meet your specific requirements. Our offerings include:

  • Buildings Insurance: Protects the physical structure of your home, including walls, roofs, and permanent fixtures.
  • Contents Insurance: Covers your personal belongings inside the home, such as furniture, electronics, and valuables.
  • Accident, Sickness, and Unemployment (ASU) Insurance: Provides financial protection by covering your mortgage payments and essential bills if you’re unable to work due to illness, injury, or job loss.

These products ensure that whether you’re safeguarding your property or planning for unexpected circumstances, you’ll have the protection you need.

How AIMS-NI Helps You Find the Right General Insurance

As an independent, directly authorised insurance broker, AIMS-NI is not tied to any specific provider. This gives us the freedom to search the entire market for the best possible policies that suit your needs and budget. We have access to over 20 different insurance providers, allowing us to offer over 5,000 mortgage and insurance products. This means you get the most competitive rates and the most comprehensive cover available.

Our team of experienced, professional advisors will provide tailored recommendations based on your individual circumstances. Whether you’re looking for buildings and contents insurance or income protection, we’ll ensure you get the right level of cover without paying more than you need to.

Common Mistakes to Avoid When Choosing Insurance

When it comes to selecting insurance, many homeowners make the mistake of sticking with their original policy and failing to review their cover over time. Here are some common pitfalls to avoid:

  • Not Reviewing Policies Regularly: Over time, your circumstances change—your home may increase in value, you may add new belongings, or you may renovate. If you don’t regularly review your insurance policy, you may find yourself underinsured or paying for cover you no longer need.
  • Relying on Default Insurance from Mortgage Lenders: While it may seem convenient to take out the insurance recommended by your lender, these policies are often not the most competitive in the market. By comparing policies with an independent broker like AIMS-NI, you could save money and get better cover.

At AIMS-NI, we help you avoid these common mistakes by providing expert advice and regularly reviewing your policies to ensure you’re always fully protected.

Why Choose AIMS-NI for Your General Insurance Needs?

Choosing the right insurance can feel overwhelming, but with AIMS-NI, you don’t have to navigate it alone. Here’s why homeowners across Northern Ireland trust us with their general insurance:

  • Award-Winning Service: We are proud to be an award-winning mortgage and insurance broker, with a proven track record of delivering top-quality service.
  • Professional Advisors throughout Northern Ireland: Our team of local advisors is available to meet you at a time and place that suits you. We offer personalised, in-home consultations to discuss your insurance needs and find the perfect solution.
  • Stress-Free Process: From the initial consultation to policy completion and beyond, we take the hassle out of finding the right insurance cover. Our advisors handle all the paperwork and details, so you can focus on what matters most—knowing your home and finances are protected.

Partner with AIMS Today

Whether you’re looking for buildings and contents insurance, accident and sickness cover, or simply want to review your current insurance policies, AIMS-NI is here to help.

Contact us today for a no-obligation chat with one of our friendly consultants, and we’ll guide you through the process of finding the perfect insurance solution.

AIMS - General Insurance Top Tip - Mortgage Brokers Belfast

Disclaimer

PLEASE NOTE FOR THESE INSURANCE PRODUCTS, TERMS AND CONDITIONS APPLY. THIS INFORMATION IS A SUMMARY ONLY.

YOU WILL RECEIVE A FULL POLICY DOCUMENT UPON APPLICATION. THIS POLICY WILL SET OUT THE TERMS, CONDITIONS, AND LIMITATIONS OF COVER PROVIDED UNDER THE PLAN.

Mortgage Helper

Simply fill out the quote form below and let our advanced matching system do the work for you.

Remortgage Helper

Simply fill out the quote form below and let our advanced matching system do the work for you.