Search
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)
Yes, we do! Our Guidance and Advised teams will consider any valid, like-for-like quotation (if we aren’t already the cheapest!).
Please get in touch if you have any further queries regarding this and we will be more than happy to help.
Gift Inter Vivos (GIV) is a life policy which aims to provide a lump sum to cover a Inheritance Tax (IHT) liability that could arise for the person that received a monetary gift from a donor.
The liability only arises if the donor passes away within 7 years of the gift being made. If the donor passes away within 7 years, the policy will match the reduction in IHT liability over these 7 years, often referred to as taper relief.
Advice should be sought to ensure that this type of policy is required for the gift being given, and falls out side of the nil rate band, your personal tax allowance.
If you wish to register a complaint, please contact us:
We are committed to providing the highest level of service. If you feel we haven't lived up to your expectations in any way, we’d like to know so we can put things right.
We’ll do all we can to respond to your complaint immediately. Where this isn’t possible, we will write to you with an acknowledgement/update within three working days to tell you the actions we are taking to resolve your issue.
We aim to resolve all complaints within 15 working days, and we’ll keep you updated along the way, providing you with the name and contact details of the person dealing with your case.
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
