Mortgage advice that doesn't cost the earth
Home and contents insurance

Proper home insurance, sorted for you

We arrange buildings and contents cover through PaymentShield, a 5-star Defaqto rated provider, at a discount compared with going direct. If you’ve just had a mortgage offer, we can have cover in place ready for exchange.

Book a call to get your quote Or call 0117 4039430 →

We do not charge a fee for buildings and contents insurance advice but we may receive a commission if you take out cover arranged through us

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Why PaymentShield, why through us?

You already know what buildings and contents insurance does. The real question is who to buy it from. Here’s why PaymentShield is our recommended provider, and why our clients come to us rather than going direct.

 

 

Generous where it counts

  • Alternative accommodation if your home becomes uninhabitable, at higher limits than most standard insurers
  • Trace and access cover for finding and fixing hidden leaks
  • Outbuildings cover included for tools in the garage or shed, which many contents policies leave out
  • Underground services and sewer blockage cover, including the cost of digging up and repairs
  • No cancellation or adjustment fees when your circumstances change (a new kitchen, a change of job, building works)

 

5-star Defaqto rated

Independently assessed as one of the strongest home insurance policies on the market for cover and value. Not the cheapest, but consistently up there with the best.

A few questions, not a hundred

Most insurers ask around a hundred questions so they have small print to lean on at claim time. PaymentShield keeps it short, then honours the claim. They don’t even ask for a rebuild cost.

Discounted through us

We’ve negotiated a 5% discount for WR Ethical clients that isn’t available if you go direct.

No fee for our advice

You don’t pay us a penny for arranging your insurance. We’re paid by the insurer when the policy goes live, which covers us supporting you.

It only takes 15 minutes to get started

Book a call and we’ll fine-tune your quote and arrange the policy. If you’d rather, we can send a quick quote first and follow up at a time that suits you.

Book your free consultation

What customers say about us

We invite feedback from everyone we advise, so you can read genuine, unfiltered reviews

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5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Top Rated Service
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Top Rated Service
  • 5.0 Excellent rating Last 12 months
  • New reviews collected regularly Recent review activity detected
  • Leading Service Google Maps rating and review data
  • Responds to customer reviews 80% response rate within 48 hours
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Luke Overthrow profile picture
Luke Overthrow
0 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a great experience with Daryl and the WR Ethical team. As first time buyers it’s always difficult to understand how the process works and not sound like you are asking silly questions. But the team made sure that no questions were silly and we wasn’t looked down on as a young couple. The best part of the service for me was the quick responses on email and organising calls. Daryl was always able to get back to us in a matter of days which is so beneficial in and industry where that isn’t always the case. Would recommend WR Ethical to all my friends and family. I know we will be in good hands when going over a new fix rate.
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Scarlett Stone profile picture
Scarlett Stone
1 days ago
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connor has been amazing throughout the whole process, as a first time buyer alone i knew it would be a struggle but connor gave me confidence it would all be okay and it has worked out great!
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Emma Spiteri profile picture
Emma Spiteri
8 days ago
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We had a good experience with WR Ethical during a turbulent time for mortgage rates. Conor took the initiative to reserve us a low rate right before high rises so we are happy and secure for a little while at least. Communication was always swift and honest. Their commitment to ethical and environmental business is also a huge plus for us.
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Ella Gregory profile picture
Ella Gregory
13 days ago
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Mark explained everything very clearly, which was great for us as first time house buyers!
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Ella Gregory profile picture
Ella Gregory
24 days ago
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Conor helped us obtain our mortgage offer. He was professional, friendly, helpful and very quick to respond. We are first time buyers and he made the process very easy, explaining everything clearly. Thank you Conor
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D C profile picture
D C
27 days ago
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Darryl gave us great advice when selecting our mortgage product. We also took out life and buildings insurance with them too based on our initial experience. Would recommend for honest and independent advice.
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Clemence C. profile picture
Clemence C.
30 days ago
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We had an excellent experience with WR Ethical (Matt Scarisbrick specifically) and would highly recommend them. They helped us with our remortgage, which involved repaying our Help to Buy loan, and took the time to properly understand our circumstances rather than simply finding us a mortgage. In particular, they helped us understand the property valuation we would need to achieve an acceptable loan-to-value ratio and guided us clearly through the different options. They gave us a number of lenders to choose from and, importantly, helped us understand the differences between them beyond just the interest rate. They highlighted how ethical each lender was, how easy they were to deal with and how accommodating they were likely to be. This gave us a much better basis for deciding which lender was right for us and meant we could make an informed choice based on the things that mattered to us. We also really appreciated their wider approach to protecting us financially. They quite rightly raised the question of whether we had adequate insurance in place should either of us become unable to work or pass away. It was reassuring that their focus wasn't just on completing the mortgage, but also on making sure we could continue to afford and keep our home if the worst were to happen. They also made some excellent solicitor recommendations at different price points, giving us the information and choice to decide what worked best for us rather than pushing us towards one particular option. Throughout the process, we felt well advised, looked after and confident that the recommendations being made were genuinely in our best interests. Knowledgeable, thorough and conscientious — we'd happily recommend WR Ethical Mortgage Brokers to anyone looking for mortgage advice.
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Marek Wolan (Kat) profile picture
Marek Wolan (Kat)
31 days ago
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I'm happy with advice given, always quick, helpful, and friendly.
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Craig McDonald profile picture
Craig McDonald
37 days ago
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We can’t thank Darryl enough for all of the help and guidance he’s given us over the last couple of months. From the very beginning he has been incredibly helpful and always available whenever we’ve had a question or weren’t sure about something. Having someone we could contact so easily made our first time buying so much easier and really helped put our minds at rest. Many of our friends and family have told us of bad experiences during their own house buying processes having to constantly chase people up, but there wasn’t a single time we had to chase Darryl for a response or update. We’re extremely grateful for all of Darryl’s help and wouldn’t hesitate to recommend to anyone! Thanks Darryl!
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James Smith profile picture
James Smith
42 days ago
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Mark @ WR Ethical was an immense help with my family life insurance. He helped navigate some challenging family history considerations, to secure a policy that was an ideal fit. Couldn’t recommend more highly!

FAQs

A few quick questions about the building and contents insurance service we provide

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No, and we don’t pretend it is. It’s consistently one of the strongest policies on the market for cover and claims behaviour, which matters more than a headline price when you actually need to claim.

If you have a mortgage, your lender will insist on buildings cover. Contents is your call, but one burglary, fire or leak can wipe out years of belongings.

You don’t need to – if you need to claim, Paymentshield are set up to pay, not quibble on details.

We’ll look at what you’ve got, compare it fairly, and only recommend a move if the cover or the price suits you better.

As you’d expect, full details are in the policy documents, are subject to underwriting, and you have the usual cooling off period. The cover and options are outlined in their leaflet and buyer’s guide.

Still have questions?

Contact us and our team will help you get the answers you need

Get answers
WR Ethical is authorised and regulated by the Financial Conduct Authority. We do not charge a fee for buildings and contents insurance advice but we may receive a commission if you take out cover arranged through us

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