This section explores all the areas of insurance protection required by individuals.
This section looks at the full range of financial protection solutions available to individuals and families.
“PSP provides a highly individual service for my personal insurance and financial planning requirements. They do not just ‘tick the boxes’ but take time fully to understand my needs and objectives and then to work within them.”
This section explores all the areas of insurance protection required by individuals.
This type of insurance is one of the most commoditised in our industry. We offer something different, to us you are not a commodity but an individual! We guide you through the complexity and help you arrange the most cost effective way to insure your vehicle without sacrificing important cover. Our personal service continues throughout our business relationship and includes of course, valuable independent advice if you are unfortunate and need to make a claim.
Whether it’s Vintage, Classic, Future Classic or Cherished, we have the solution. Our specialist insurance advisors will introduce you to schemes which cater for individual or fleet requirement. They will offer agreed value, limited mileage and all the other essential covers to protect your special vehicle(s).
We have over 30 years of insuring these type of vehicles, bikes, scooters, mopeds or three wheelers. Our schemes are arranged through specialist markets so you get the best of both worlds, competitive cover professionally and locally arranged.
When you give us the responsibility to protect your personal “castle” you can rest easy that our experienced advisors will ensure you have the very best of cover at a competitive price. After we have helped you design your individual cover requirements we use our own quotation system to research the market and cover is arranged instantly using our electronic trading platform. Working from home, letting room(s) or non standard construction, we have a solution.
Talk to us about insuring your pets we have access to the niche insurers in this market and this means you can again have the best but still deal with your local broker, This means enjoying a professional local service rather than having to struggle with call centres. Equestrian insurance needs expert advice and we have it. Over the years our clients have entrusted us with insuring their horses, we arrange cover on racehorses, stallions, brood mares, show jumpers and horses simply ridden for pleasure. For more specialist information head to psprural.co.uk
Whatever your travel insurance needs they are available at PSP. Generally, we recommend individual policies for annual holidays but if you or your family take more than one holiday an annual travel policy may be more suited to your needs. Winter sports, back packing hazardous pursuits and unusual holidays are usually challenges we like to solve.
Money Advice Service Travel Insurance Directory
The Money Advice Service provides a directory of firms specialising in travel insurance for customers with serious medical conditions. You can contact MAS, Monday to Friday, 8am to 6pm on 0800 138 7777 or access the directory at https://traveldirectory.moneyadviceservice.org.uk/en
We love boats and so do many of our clients. This again is a very specialist area and at PSP we know where to get the best cover for our boat owners. From windsurfers to ocean going motor cruisers (even moored abroad) we enjoy arranging this type of insurance and regularly visit the London and Southampton boat shows to develop our knowledge in this area.
For more information on cover offered for your pleasure craft please visit our specialist area at PSP H2O »
These can be difficult to insure at affordable premiums. However we have a business partnership with a specialist broker which means we can help you insure static or trailed caravans and mobile homes.
For many years we have helped our clients insure holiday homes, second homes or holiday lets. Our relationship with insurers means we can usually help with non standard construction, unoccupied premises and even properties abroad. If you let your holiday home commercially, please visit our dedicated site psphospitality.co for more information.
Owners of high value homes and vehicles are attractive customers for insurers and over the years we have built up a substantial number of customers and developed a special talent in this area. We have access to most of the insurers operating in this field and are able to design your own portfolio which is bespoke to your own requirements to ensure you have the very best of cover to protect your valuable assets.
“We have been clients of Jerry Musslewhite since 2003 and are writing in appreciation of the excellent service we have received from him during this time. He has always been considerate, conscientious and good humoured in all his dealings with us and ensures that that we are totally aware of the implications of any investments or products that we might be considering.
As a result of his hard work we have been able to make financial gains which have increased our financial security.
We would therefore have no hesitation in recommending Jerry to other clients who may be considering using the financial services of PSP. We look forward to continuing to use Jerry’s services for our financial planning.”
Protecting your family is a basic instinct; never easy to talk about but it is so important to make sure that our dependants are financially secure should anything happen to us. The first priority is to protect the income of the breadwinners so your dependants can continue with the same standard of living. We usually advise our clients to protect their family with a combination of whole life, term assurance or family income policies. Each policy can also have critical illness cover added. However, each client is advised individually because everybody’s needs are different.
This is an inexpensive extension available on most types of life assurance policies and provides cover should you be diagnosed with a critical illness.
Another popular life insurance variation is to protect family or business debt so that this can be cleared in full or part when the bread winner(s) is no longer around. Again each client will receive individual advice and we will recommend a portfolio of cover which will be designed to ensure the mortgage or debt is repaid. In addition to death cover we usually recommend extending the policies to include critical illness cover.
It is not just death or critical illness than can put an inordinate strain on family finances. If a breadwinner is injured or becomes ill for a long period it also can be a serious problem for the family. Life still has to go on and state benefit is usually not enough in such circumstances. We have a number of solutions to protect our clients ranging from short term Personal Accident and/or illness policies to long term permanent health schemes each one flexible and tailored to individual clients needs.
While the NHS does an excellent job, particularly for emergency treatment, there are times when it simply cannot deliver the treatment you or your family may require at the time you want it. This is why private medical insurance was developed and is so popular. We have access to a wide range of solutions which either provide cash benefits or comprehensive plans covering the majority of treatment and hospital accommodation.