Peace of Mind for you & your loved ones
Hi I’m Nicola and I’ll be your first point of contact at Cooper Rose. I can’t wait to put you in touch with our friendly, knowledgeable and impartial advisors.
P.S. Don’t worry if you’re not sure about insurance, we’re happy to help!
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of the claim, declining to pay all the claim and possibly declaring the policy invalid.
Welcome to Cooper Rose
There are so many things to protect in life, we don’t think twice about insuring our Car or Home… because, well, we wouldn’t legally be able to have those things without insurance.
But when it comes to our families security it’s often the last thing we want to think about. But not here, our advisors like nothing more than giving our clients the fantastic peace of mind they deserve.
More than Life Cover
We can arrange cover that pays out should you or your family contract a specified critical illness.
This will hopefully give you some breathing space from daily money worries, allowing you to care for the ones you love the most.
If an accident, illness or losing your job stops you working, keeping up your mortgage can be the last thing on your mind.
Accident, sickness and unemployment cover can help pay your mortgage for a set time, subject to the policy’s terms and exclusions.
If something happened to your home or your possessions, it’s great to know you’re covered.
And best of all you’ll have us in your corner, to make sure you get your life back to normal as soon as possible.
Insurance FAQs
No question is too small and definitely not trivial, so if yours isn’t answered here, just give us a call.
It isn’t a legal requirement. But if someone depends on you, it can pay off or reduce the mortgage if you die while the policy is in place.
How much it pays depends on the cover you choose. We’ll help you work out how much makes sense for you.
Life insurance pays out a lump sum if you die while the policy is in place. Critical illness cover pays out a lump sum if you’re diagnosed with one of the illnesses listed in your policy.
Each illness has to meet the policy’s definition, so not every serious illness is covered. We’ll go through what is and isn’t included before you decide.
Accident, sickness and unemployment cover (often called ASU or mortgage payment protection) can help pay your mortgage for a set time if an accident, illness or losing your job stops you working.
Policies have exclusions and waiting periods, and only pay out for a limited time. If you’re self-employed, you usually can’t claim for unemployment.
Income protection replaces part of your income if illness or injury stops you working, often for longer. We’ll help you work out which, if either, makes sense for you.
It depends on the policy, how much cover you want and your health. Many applications only need health questions, but some need a medical or a report from your GP.
We’ll let you know what to expect before you apply.
Often, yes. A past or existing condition doesn’t automatically rule you out, but it may mean a higher price, an exclusion or a refusal.
The insurer’s questions need full and honest answers, or a claim may not be paid. Let us know about it at the start and we’ll look at your options together.
If you have a mortgage, your lender will usually insist on buildings insurance from the day you exchange contracts.
Contents insurance is your choice. It can pay to repair or replace your belongings, up to the limits in your policy and subject to its exclusions.
The Cooper Roses
CeMAP Qualified
Owner | Mortgage & Protection Advisor
CeMAP Qualified
Mortgage & Protection Advisor
Mortgage & Protection Administrator
Our Clients are the best!
The reviews displayed reflect the client's individual experience and may not be representative of all clients.