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You have three options if your premium increases, policy terms change or your application is declined when you apply through the Cavendish Online website.
1) Call our advice team on 01392 436 193 and we can discuss your medical and lifestyle information with you. We will then provide bespoke advice to ensure you secure the most appropriate cover for your needs by researching the market and reviewing your situation with each insurer. You will not have to pay us any fee.
2) You can apply with a different insurer through our website for no further fee.
3) If you have applied online and decide not to proceed with a policy due to an increase in premium or a change in terms, but have already paid the fee, then we will refund this to you upon request.
Not at all.
We take pride in supporting you and providing bespoke advice with your best interests at heart.
We are confident that our level of quality, value and transparency won’t be beaten, but there is no obligation if you decide not to proceed.
Cavendish Online have a dedicated team of professional and knowledgeable advisers who can provide recommendations and tailored opinions on products such as:
Click here to go to our other protection products page for a full overview of what we advise on.
Alternatively, call the team now to find out more on:
(Monday - Friday, 9am to 5.30pm)
If you have medical disclosures, a dangerous occupation, a hazardous hobby or are simply unsure about your options; you should consider speaking to an adviser.
When you call our advisers, they will discuss your medical and lifestyle information with you over the telephone. Our friendly team will listen to your requirements to gain a better understanding of your protection needs.
Following the call, your adviser will research the whole market, making sure the recommendations they present to you provide the most appropriate cover to cater for your specific needs.
Rest assured; your adviser will be with you every step of the way, making sure you have the support you need when you need it.
Call the advised team today on:
(Monday - Friday, 9am to 5.30pm)
We achieve these lower premiums by charging a small fixed fee or a reduced commission and have consistently been commended by consumer champions as a way to save money when buying life insurance.
At Cavendish Online, there are a couple of different options to help you find a policy suitable for you/your needs. You can either get a quote yourself, which takes just a few minutes of your time; just complete this form here.
Or, if you want some human interaction, you can speak to one of our specialists over the phone. Our team are extremely friendly and will be able to help you find cover tailored to your circumstances for you and your loved ones.
Call us on 01392 241 850 to reach one of our helpful consultants, and tick another task off of the ‘to-do’ list!
Income Protection is a policy designed to pay a monthly benefit to you to support you if you cannot work because you are ill or injured. They do not typically include cover for redundancy (however, there are other types of policies that can look at this).
Income Protection is there to support you in your time of need.
At Cavendish Online, we can help you work out exactly how much income protection insurance you require, and what different insurers have to offer.
While it might not be the nicest thing to think about, the reality is that every single one of us runs the risk of falling seriously ill at some point in our lives. We cannot take our health for granted. You only have to consider that every 2 minutes in the UK someone is diagnosed with cancer* and every 5 minutes, someone has a stroke**
Having critical illness insurance doesn’t reduce your risk of falling ill, but it does prepare you and your family financially for any bad news that may arise. This makes it, in our opinion, one of the most powerful and positive insurance products on the market.
*Cancer Research UK, https://www.cancerresearchuk.org/health-professional/cancer-statistics-for-the-uk, Accessed November 2022
**Stroke Association UK, https://www.stroke.org.uk/what-is-stroke/stroke-statistics, Accessed November 2022
