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LIFE ASSURANCE

Most people choose to insure their home, contents, car, travel, mobile phone, or even pets, but often overlook the most important protection of all—themselves, their family, and their ability to keep up with mortgage payments if something unexpected happens.


It’s easy, when in good health, to think you may never need Life Insurance, Critical Illness Cover, or Income Protection. However, should serious illness or injury affect your life, having the right cover in place can make a significant difference by helping to clear your mortgage and cover essential bills.


The Mortgage Store NI can help provide peace of mind, ensuring you and your loved ones are financially protected if the unexpected happens.

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HOME INSURANCE

Home insurance is a type of insurance policy designed to protect homeowners from financial losses related to their property and belongings. It provides coverage for damage to a home caused by events such as fire, storms, theft, vandalism, and certain other risks, depending on the policy terms.

A standard home insurance policy typically includes:

  • Building coverage: Protects the structure of the home, including walls, roof, floors, and permanent fixtures.

  • Contents coverage: Covers personal belongings such as furniture, electronics, clothing, and household items.

  • Liability protection: Helps cover legal and medical costs if someone is injured on the property and the homeowner is found responsible.

  • Additional living expenses: May pay for temporary accommodation and related costs if the home becomes uninhabitable due to a covered event.

Home insurance offers peace of mind by reducing the financial impact of unexpected events. While mortgage lenders often require homeowners to carry insurance, even those who own their homes outright can benefit from the protection it provides. Policy coverage, exclusions, limits, and premiums vary based on factors such as the property's location, value, construction type, and the level of coverage selected.

In summary, home insurance is an important financial safeguard that helps protect one of a person's most valuable assets—their home—and the possessions within it.

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IMPORTANT INFORMATION
Your property may be repossessed if you do not keep up repayments on your mortgage.
Our typical fee ranges between £0 and £500. The amount we charge is dependent on the amount of research and administration required.
Our fee is charged on submission of a mortgage application
DISCLOSURE
The Mortgage Store is a trading name of Richard Chambers who is an Appointed Representative of PRMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
COMPLAINTS POLICY
We are committed to providing a professional service to all our customers.
If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place.
You can make a complaint by any reasonable means including telephone, letter, or email.
Our contact information: 
• Write to: Richard Chambers, The Mortgage Store NI, 2A Main Street,Ballynahinch,BT24 8DN
• Telephone: 02897 440707
• Email: info@themortgagestoreni.co.uk
If you prefer, you can also refer your complaint to PRIMIS directly using the following contact details:
• Write to – PRIMIS Mortgage Network, Customer Resolution Team, Ground Floor, Birmingham
Business Park, B37 7YT.
• Telephone: 0121 767 1139
• Email: complaints.solihull@primis.co.uk
You can also complain via their website: https://www.primis.co.uk/privacy-notices/complaints/
The same section of the website contains more information about PRIMIS’ role in complaints handling
and about how Appointed Representative relationships work.
CUSTOMER PRIVACY NOTICE
During the course of dealing with us we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Information).
We would like to explain to you what we will need to do with Your Information, and the various rights you have in relation to Your Information.
This document can be viewed in full by using this link: CUSTOMER PRIVACY NOTICE

 

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