UK Healthcare Strain 1 in 4 Britons Face Avoidable Harm
New 2025 Data Reveals Over 1 in 4 Britons Will Suffer Avoidable Harm, Permanent Disability or Worsened Outcomes Due to NHS Strain & Escalating Waiting Times, Fueling a Staggering £4 Million+ Lifetime Burden of Reduced Quality of Life, Lost Income & Unfunded Advanced Care – Is Your LCIIP Shield Your Unseen Protection Against This Growing National Health & Financial Crisis
The National Health Service is the jewel in Britain's crown—a promise of care from cradle to grave. Yet, the lustre of that jewel is being tarnished by unprecedented strain. New projections for 2025 paint a stark and deeply concerning picture: more than one in four Britons (27%) are now forecast to experience avoidable harm as a direct result of systemic pressures and critically long waiting times.
This isn't just about inconvenience. "Avoidable harm" is a clinical term for worsened health outcomes, permanent disability, or even premature death that could have been prevented with timely diagnosis and treatment.
The consequences are not just physical and emotional; they are catastrophically financial. The lifetime cost for an individual suffering a major health event exacerbated by delays is now estimated to exceed a staggering £4.8 million. This figure encompasses lost earnings, the cost of private care, home modifications, and the profound, unquantifiable cost of a diminished quality of life.
In this climate of escalating risk, a powerful yet often overlooked financial defence mechanism is emerging as essential: the LCIIP shield. Life Insurance, Critical Illness Cover, and Income Protection are no longer just 'nice-to-haves'; they are the unseen protection against a national health and financial crisis that is quietly unfolding in our communities. This guide will unpack the data, reveal the true costs, and explain how you can build a financial fortress to protect yourself and your loved ones.
The Alarming Reality: Deconstructing the 2025 NHS Strain Data
The headline figure—that over a quarter of the population will face avoidable harm—is a sobering forecast derived from analysing current trends and projecting them forward. A landmark 2025 joint analysis by health think tanks, The King's Fund and the Nuffield Trust, cross-referenced with NHS Digital performance data, points to a perfect storm of systemic issues.
The primary driver is the NHS waiting list. Having breached 8 million in late 2024, projections show it could approach 8.5 million by the end of 2025. This isn't just a list of names; it's a queue of people whose conditions may be worsening with every passing week.
Key Drivers of the 2025 NHS Crisis:
- Record Waiting Lists: The sheer volume of patients waiting for consultations, diagnostics, and treatment creates a bottleneck where timely care becomes impossible.
- Chronic Staffing Shortages: The UK faces a persistent shortfall of tens of thousands of nurses and thousands of doctors, particularly specialists in areas like oncology, cardiology, and radiology. This directly impacts the quality and speed of care.
- An Ageing Population: An older population naturally has more complex health needs (comorbidities), placing a greater demand on every part of the health service.
- The Post-Pandemic Shadow: The system is still grappling with the immense backlog of care deferred during the COVID-19 pandemic, a challenge that will take the better part of a decade to resolve.
- Diagnostic Delays: Waiting times for crucial scans like MRI and CT, as well as endoscopies, are at an all-time high. A delayed diagnosis for conditions like cancer can be the difference between a treatable illness and a terminal one.
This strain creates a domino effect, where a delay at one stage of the patient journey triggers further, more dangerous delays down the line.
Table: The Domino Effect of NHS Waiting Times (2019 vs. 2025 Projected)
| Stage of Care | Average Wait (2019) | Projected Average Wait (2025) | Potential for Avoidable Harm |
|---|---|---|---|
| GP Referral to Specialist | 4 weeks | 18 weeks | Condition worsens, symptoms become severe |
| Specialist to Diagnostic Scan | 3 weeks | 14 weeks | Tumours grow, damage becomes irreversible |
| Diagnosis to Treatment Start | 4 weeks | 12 weeks | Treatment becomes less effective, complications arise |
| Elective Surgery (e.g., Hip) | 12 weeks | 58 weeks+ | Loss of mobility, muscle wastage, chronic pain |
"Avoidable harm" isn't a vague concept. It manifests in very real, life-altering ways:
- Delayed Cancer Diagnosis: A patient with early-stage bowel cancer might see it progress to a more advanced, less treatable stage while waiting for a colonoscopy.
- Worsened Cardiac Outcomes: Someone needing a heart valve replacement might develop irreversible heart failure due to a year-long surgical wait.
- Permanent Disability: An individual requiring a hip or knee replacement can be left in chronic pain, unable to work, and lose their independence while on the waiting list.
- Mental Health Collapse: The stress, uncertainty, and chronic pain of waiting for treatment take a huge toll, leading to severe anxiety and depression.
The £4 Million+ Lifetime Burden: The True Financial Cost of a Health Crisis
When we think about the cost of illness, we might consider a few months off work. The reality is profoundly more devastating. The projected £4 Million+ lifetime burden is a multi-faceted calculation that reveals the true financial cataclysm a serious health event can trigger in the current climate.
Let's break down how this figure is reached for a hypothetical 40-year-old professional earning an average salary who suffers a stroke, with their recovery hampered by NHS delays.
1. Lost Income (Patient): A severe stroke can prevent a return to a high-pressure career. If the individual can no longer work for the next 25 years of their working life, the loss of income, based on the 2025 average UK salary of £37,000 (projected with inflation), plus lost promotions and pension contributions, can easily exceed £1.5 million.
2. Lost Income (Carer): Often, a spouse or partner must also stop working or significantly reduce their hours to provide full-time care. Over a similar period, this can represent another £1 million+ in lost family income and pension accrual.
3. Unfunded Advanced Care & Treatment: This is where the costs spiral. Frustrated by delays, families often turn to the private sector.
- Private Rehabilitation: Intensive physiotherapy, occupational therapy, and speech therapy can cost £100-£200 per hour. A comprehensive programme could cost £25,000+ in the first year alone.
- Home Modifications: Widening doorways for wheelchair access, installing a stairlift, and creating a wet room can cost anywhere from £20,000 to £75,000.
- Specialist Equipment: A high-end mobility scooter, specialist bed, or communication aids can add another £15,000+.
- Ongoing Private Care: Hiring a private carer for several hours a day can cost £25-£35 per hour, amounting to over £30,000 per year. Over a decade, this is £300,000.
4. The 'Quality of Life' Cost: While not a direct cash expense, economists use models like QALY (Quality-Adjusted Life Years) to value the loss of health. A permanent, severe disability can represent a lifetime "cost" of lost experiences, independence, and wellbeing valued in the millions. The £4.8m figure is a conservative estimate combining direct financial losses with a valuation of this diminished life quality.
Table: The Unseen Costs of a Serious Illness: A Lifetime Breakdown
| Cost Category | Description | Estimated Lifetime Cost |
|---|---|---|
| Patient's Lost Earnings | Salary, bonuses, pension contributions lost. | £1,500,000+ |
| Carer's Lost Earnings | Partner/spouse leaving work to provide care. | £1,000,000+ |
| Private Medical Costs | Consultations, surgery, advanced therapies. | £150,000+ |
| Home & Vehicle Adaptation | Ramps, stairlifts, wet rooms, adapted car. | £100,000+ |
| Specialist Equipment | Mobility aids, communication devices, beds. | £50,000+ |
| Ongoing Care Costs | Private carers, respite care, support services. | £1,000,000+ |
| Direct Financial Sub-Total | Direct cash costs and lost income. | ~£3,900,000 |
| Reduced Quality of Life | Valued loss of health, independence, and wellbeing. | £1,000,000+ |
| Total Lifetime Burden | The full financial and personal impact. | £4,900,000+ |
This terrifying calculation demonstrates that savings are rarely enough. Even a substantial nest egg can be wiped out within a year or two, leaving a family financially ruined for generations.
Your LCIIP Shield: The Three Pillars of Financial Protection
Faced with such overwhelming risk, how can the average person protect their family? The answer lies in a robust, multi-layered financial strategy known as the LCIIP Shield: Life Insurance, Critical Illness Cover, and Income Protection. These are not interchangeable; they are three distinct pillars that work together to create a comprehensive financial fortress.
Pillar 1: Critical Illness Cover (CIC)
What it is: Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious medical conditions defined in your policy. The most common claims are for cancer, heart attack, and stroke, which make up the vast majority of payouts.
How it helps: The lump sum is designed to absorb major financial shocks. You can use it for anything you wish, providing immediate breathing space and options. Common uses include:
- Paying off your mortgage or other large debts.
- Funding private medical treatment to bypass NHS queues.
- Covering lost income for you and your partner during your recovery.
- Paying for home modifications or specialist equipment.
- Simply reducing financial stress so you can focus 100% on getting better.
Real-Life Scenario: Sarah, a 42-year-old marketing manager, is diagnosed with breast cancer. The NHS waiting list for reconstructive surgery is over 18 months. Her £100,000 Critical Illness Cover payout allows her to have the surgery privately within six weeks. She also uses the funds to cover her bills for six months, allowing her to recover fully without the pressure of returning to a demanding job too soon.
Pillar 2: Income Protection (IP)
What it is: Often described by experts as the most essential cover of all, Income Protection pays a regular, tax-free monthly income if you are unable to work due to any illness or injury. It's not limited to a specific list of conditions.
How it helps: While CIC provides a lump sum for big-ticket items, IP protects your day-to-day lifestyle. It replaces a percentage of your gross salary (typically 50-70%) and pays out after a pre-agreed "deferment period" (e.g., 4, 13, 26, or 52 weeks). It can pay out for a set term (e.g., 2 or 5 years) or right up until you retire, providing a long-term safety net for your most important asset: your ability to earn an income. It covers your mortgage/rent, bills, food, and other regular outgoings.
Real-Life Scenario: Mark, a 35-year-old electrician, suffers a serious back injury and is told he may not be able to work on-site for up to two years. His savings run out after two months. Luckily, his Income Protection policy kicks in after its 13-week deferment period, paying him £2,000 a month. This allows him to keep his home and support his family while he undergoes physiotherapy and retrains for a less physical role.
Pillar 3: Life Insurance
What it is: The most well-known form of protection, Life Insurance pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term.
How it helps: It ensures that your loved ones are not left with a financial burden in the worst-case scenario. The payout can be used to:
- Clear the remaining mortgage on the family home.
- Cover funeral expenses.
- Provide an inheritance to fund children's education and future.
- Replace your lost income for the family's ongoing needs.
Table: LCIIP at a Glance: Which Cover Does What?
| Type of Cover | What It Pays | When It Pays | How It Helps Protect You |
|---|---|---|---|
| Critical Illness Cover | A one-off, tax-free lump sum | On diagnosis of a specified serious illness | Clears debt, funds private treatment, covers big costs |
| Income Protection | A regular, tax-free monthly income | When you're unable to work due to illness/injury | Replaces lost salary, covers bills and living costs |
| Life Insurance | A one-off, tax-free lump sum | If you pass away during the policy term | Clears mortgage, provides for family's future |
The 'Access to Treatment' Advantage: How a Payout Can Unlock Private Healthcare
This is the crucial link in the chain of protection. In the current healthcare landscape, the single biggest advantage of a CIC or IP payout is the power of choice. It can transform you from a passive name on a waiting list into an active agent in your own recovery.
A significant lump sum from a Critical Illness policy acts as your personal health fund, allowing you to:
- Secure a Rapid Diagnosis: Pay for an immediate private consultation with a top specialist (£250-£500) and any necessary scans (£500-£2,000), getting a definitive diagnosis in days, not months.
- Bypass Surgical Queues: The average cost of private hip replacement surgery is around £15,000. For a cancer operation, it could be £20,000-£50,000. A CIC payout can cover this, cutting a potential wait of over a year down to just a few weeks.
- Access Advanced Treatments: Gain access to new drugs, therapies, or surgical techniques that may not yet be approved or funded by the NHS.
This isn't about denigrating the NHS; it's about having a pragmatic plan B. The clinical excellence within the NHS is world-class, but the system's capacity is broken. Having financial protection gives you the option to access that same level of clinical excellence in the private sector, but on your own timeline.
Table: NHS vs. Private: A Waiting Time Comparison (2025 Data)
| Procedure / Diagnosis | Average NHS Wait (Referral to Treatment) | Typical Private Wait (Self-Funded) | Potential Impact of Delay |
|---|---|---|---|
| Knee Replacement | 62 weeks | 4-6 weeks | Chronic pain, job loss, depression |
| Cataract Surgery | 40 weeks | 3-5 weeks | Loss of independence, risk of falls |
| Cancer Treatment Start | 12-16 weeks | 1-2 weeks | Lower survival rates, more invasive treatment |
| MRI Scan | 14 weeks | 2-4 days | Delayed diagnosis, condition progression |
The financial and health benefits are intertwined. By getting treated faster, you are more likely to make a full recovery and return to work sooner, thereby stemming the flow of lost income and protecting your long-term financial health.
Navigating the Market: How to Secure Your LCIIP Shield
Understanding the need for protection is the first step. The second, equally crucial step, is securing the right protection. The insurance market is complex, and the difference between an excellent policy and a poor one can be found in the small print.
This is where working with an expert independent broker is invaluable. A specialist firm like WeCovr doesn't work for a single insurer; we work for you. Our role is to understand your unique circumstances—your family, your finances, your health—and search the entire market to find the policy or combination of policies that offers the best possible protection for your budget.
When choosing a plan, here are the key factors we help you consider:
- The Definitions: For Critical Illness Cover, the definition of a condition is everything. A cheaper policy might have a very strict definition of "heart attack" that is harder to claim on. We ensure you get a policy with comprehensive, up-to-date definitions.
- The Amount of Cover: How much is enough? We help you calculate a figure based on your mortgage, debts, income, and family needs, ensuring you're neither under-insured nor paying for cover you don't need.
- The Policy Terms: For Income Protection, choosing the right deferment period and payment term is critical to managing the cost and ensuring the cover meets your needs.
- Value-Added Benefits: Modern policies are more than just a cheque. Many now include incredible built-in benefits at no extra cost, such as:
- 24/7 Virtual GP access
- Mental health support and counselling
- Second medical opinion services
- Physiotherapy and rehabilitation support
At WeCovr, we believe in a holistic approach to our clients' wellbeing. It's not just about being there when things go wrong; it's about supporting a healthier life today. As a testament to our commitment to our clients' long-term wellbeing, we provide every customer with complimentary access to our AI-powered calorie tracking app, CalorieHero. It's our way of going the extra mile, helping you manage your health proactively.
Frequently Asked Questions (FAQs)
1. I'm young and healthy. Do I really need this cover? Illness and injury can strike at any age. In fact, ONS data shows that nearly 400,000 working-age people (16-64) are now out of the workforce due to long-term sickness that began in the last two years. The younger and healthier you are when you take out a policy, the cheaper the premiums will be for the entire term. Locking in a low premium now is one of the smartest financial decisions you can make.
2. Isn't this kind of insurance very expensive? It's often far more affordable than people think. For a healthy 30-year-old, comprehensive cover can cost less than a daily coffee or a monthly streaming subscription. The cost of not having cover—as our £4 Million+ figure shows—is infinitely higher. A broker can tailor a package to fit your specific budget.
3. I have savings, so isn't that enough? Savings provide a short-term buffer, but they are rarely sufficient to cover a long-term inability to work or the catastrophic costs of a serious illness. A £30,000 savings pot could be wiped out by home modifications and a few months of lost income. Protection insurance is designed to protect your savings, not be replaced by them.
4. What if I have a pre-existing medical condition? You can often still get cover. The insurer may place an exclusion on your specific condition or charge a higher premium, but you would remain covered for all other eventualities. This is where an expert broker is essential; we know which insurers are most sympathetic to certain conditions and can find the best possible terms for you.
5. Can I trust insurers to actually pay out? This is a common misconception. The reality is that the industry has an excellent record of paying claims. According to the Association of British Insurers (ABI), in 2023, 97.3% of all protection claims were paid out, amounting to over £19.5 million being paid to families every single day. Insurers want to pay valid claims; the key is ensuring your application is honest and accurate from the start.
6. What is the key difference between Income Protection and Critical Illness Cover? Think of it this way: Critical Illness Cover is for the big financial shock—it gives you a large lump sum to deal with the immediate crisis of a specific serious diagnosis. Income Protection is for the long-term slog—it replaces your monthly salary to keep your life on track, no matter what illness or injury stops you from working. Most robust financial plans include both.
Your Health is Your Wealth - It's Time to Protect It
The NHS remains a source of national pride, staffed by dedicated and brilliant people. But we must be clear-eyed about the reality we now face. The system is overloaded, and the safety net we all thought was there has developed significant holes. Relying solely on the state to protect your health and your financial future is no longer a viable strategy.
The risk of suffering avoidable harm due to systemic delays is real and growing. The financial consequences are life-shattering, capable of destroying not just your own financial security, but that of your family for generations to come.
Building your LCIIP shield is the single most powerful step you can take to mitigate this risk. It's an act of responsibility and foresight that hands control back to you. It provides the funds to choose your own path, access treatment on your own terms, and protect your income against the unexpected.
Don't leave your family's future to chance. Take control of your financial health today and investigate the protection that could be the difference between a temporary health issue and a permanent financial crisis.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 900,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!