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Every ReachArrive service starts with the event you are worried about and ends with a document that either responds to that event or honestly does not. The descriptions below are guides. The policy wording, once issued, is the contract. If you want a recommendation for your own facts, write to us and we will ask the questions a general page cannot.

Life insurance

Life insurance pays a benefit if the insured person dies during the term, and some policies add cover for a defined serious illness or total disability. Households use it to replace income, clear a debt, or leave a lump sum that buys time.

We start with the costs that would continue: housing, food, childcare, education, and any loan that is in one name. We then subtract savings you are willing to spend and any cover you already hold through work, so the sum insured is a gap, not a guess copied from a friend.

You should see the suicide exclusion period if the wording has one, the definition of any illness benefit, and whether the premium is level or can rise. A cheaper term that expires just as a dependant still needs support is not automatically the careful choice.

Ask about life insurance

Clinician reviewing notes in a bright treatment room

Health insurance

Health insurance contributes to medical costs according to a table of benefits. It may cover hospital treatment, selected outpatient care, or a cash benefit on diagnosis. It is not a promise that every practitioner and every medicine is included.

The details that change a claim are the waiting period, the list of pre-existing conditions, the annual limit, and the excess you pay first. We line those items up before you compare logos. A short waiting period can matter more than a slightly lower premium if treatment is already being discussed.

We also talk about what the policy expects from you: using an agreed network where one exists, keeping invoices, and telling the insurer about a claim within the stated time. Those duties are part of the cover, not paperwork for its own sake.

Ask about health insurance

Home insurance

Home insurance can cover the building, the contents, or both, against events the wording lists, such as fire, storm, escape of water, or theft, subject to the exclusions. It is easy to insure the sale price of a home and still be underinsured for a rebuild.

We ask how the home is built, whether it is occupied in the way the policy assumes, and whether a room is used for business. A studio, a consulting room, or regular guests can move a risk out of a standard household wording. It is better to place it correctly than to discover the gap after a loss.

Contents cover needs a realistic total and an eye on inner limits for jewellery, cycles, or equipment taken away from home. We will suggest listing high-value items rather than hoping a general sum will stretch.

Ask about home insurance

Motor insurance

Motor insurance protects against liability to other people and, if you choose a wider section, damage to the insured vehicle. The use of the vehicle is central. A policy arranged for social use will not quietly become a policy for paid deliveries.

We record who drives, where the vehicle is kept, and any modification that an insurer would want to see. We also explain the excess, the glass limit if there is one, and what happens if a named driver changes during the year.

After a collision, the policy usually asks you to avoid admitting fault in a way that harms the claim, to record the other party’s details, and to report the event promptly. We give you that sequence in writing so it is available when the moment is noisy.

Ask about motor insurance

Traveller with a backpack looking over a coastal town

Travel insurance

Travel insurance can help with emergency medical costs, cancellation for insured reasons, delayed departure, and lost baggage, always within the limits and exclusions. It is not a refund for a change of mind.

We ask where you are going, how long you will be away, whether any activity is manual or adventurous, and whether a medical condition should be disclosed. A condition you manage calmly at home can still be material on a trip. Disclosure is what keeps the medical section available.

Buy the policy when the trip is firm, not at the airport if the wording only covers bookings made after inception. Keep tickets, receipts, and written proof of delay. Those papers are the claim.

Ask about travel insurance

Business insurance

A small organisation may need property cover for equipment, liability cover for injury or damage to others, and interruption cover for the income lost when an insured event stops trade. Professional firms may also need cover for a mistake in advice.

We map the work in ordinary language: what you sell, where you do it, whether you visit client sites, and which contracts push liability back to you. A policy that ignores a contract clause can look complete and still fail the moment that clause matters.

Sums for stock, tools, and gross profit should come from your own figures. We would rather revise a number twice than copy a sample from a brochure. Renewal is the moment to add a new location or a new activity, not the moment to hope last year’s form still fits.

Ask about business insurance

Family protection

Family protection is the way several policies work as one plan. A household might hold life cover on two adults, health cover for the people named, and home cover on the place they share. The point is that the benefits do not contradict each other.

We look for double payments you do not need and for gaps between them, such as a child who is named on health cover but absent from a travel policy, or a debt that life cover does not quite clear. The plan is written so either adult can explain it.

When the household changes, the plan should change. A new dependant, a separation, or a parent moving into the home are all reasons to email us. We would rather adjust a schedule early than discover a name missing during a claim.

Ask about family protection

Income protection

Income protection pays a proportion of income if illness or injury stops you working, after a waiting period and for a benefit period the policy sets. It is different from a lump-sum life policy. It is designed for the months when you are still here and still have bills.

The definition of disability is the heart of the contract. Some policies pay if you cannot do your own occupation. Others pay only if you cannot do any occupation that fits your training. We put that definition in the first explanation, because it changes the value of the premium.

We also match the waiting period to sick pay or savings you actually have. A long wait reduces premium and increases the stretch you must fund yourself. Choose it with a calendar, not with optimism.

Ask about income protection