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

 

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

Google star 1Google star 2Google star 3Google star 4Google star 55.0
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Top Rated Service
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Clare Andrews profile picture
Clare Andrews
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I chose WR Ethical for their ethical and environmental stance, and have benefited from their mortgage advice twice now. On both occassions my interactions with mortgage advisor Paul have been friendly and he has taken time to understand my values and needs, and given detailed and clear information. Recommended service.
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Owen o neill profile picture
Owen o neill
5 days ago
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I found Paul to be super helpful in my mortgage process (1st time buyer). He was knowledgeable, straightforward, patient and realistic in what I needed and what I could get. It was a tricky nerve-racking 12 months beset with issues and the mortgage was approved with one day to go before the offer expired. Paul got an extension on the offer which saved the day and was professional and kind throughout the process. I wholly recommend Paul and WR Ethical. Many thanks.
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Dave Tunstall profile picture
Dave Tunstall
6 days ago
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We had our first meeting with Mark to discuss life insurance, and he was fantastic, friendly, helpful, and highly professional throughout. He also flagged some important considerations we hadn’t thought about, which really added value to the conversation. Highly recommend!
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Amy Hurst profile picture
Amy Hurst
17 days ago
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Mark was super helpful in identifying the right protection for my circumstances. He was quick to respond to questions, kept me informed throughout and made the whole process incredibly easy. I wouldn’t hesitate to recommend to others.
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Albion Dina profile picture
Albion Dina
30 days ago
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I been using them from long time they are the best Very helpful and polite with everything I recommend to everyone one Connor make very easy and smooth all the process Thank you for everything
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Jacob Renouf profile picture
Jacob Renouf
31 days ago
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Worked with Lorna to get a mortgage as a first time buyer - Lorna was very friendly and able to explain details and answer my queries clearly and promptly
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Theo W profile picture
Theo W
35 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great experience - great communication and Matt was clear and kept things simple.
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Joanna MacAdie profile picture
Joanna MacAdie
38 days ago
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As first-time buyers, we knew very little about the mortgage process and wanted someone we could trust to guide us through it. From our very first conversation, Lorna has been amazing. She took the time to explain everything clearly, making what initially felt like a daunting process much easier to understand and far less stressful. Throughout our journey, Lorna has kept us updated with new mortgage deals to make sure we always had the best options available. She also put us in touch with trusted people to help us arrange our insurance and income protection, which made the whole process much more straightforward. She has always been on hand to answer our questions, offer advice, and even offered to help chase estate agents and solicitors to keep everything moving. Lorna is incredibly friendly, approachable, and genuinely cares about her clients. We've always felt supported and confident knowing she was looking out for our best interests. Thanks to her guidance, we've achieved the outcome we were hoping for and are now on our way to buying our first home. We can't thank her enough and wouldn't hesitate to recommend her to anyone looking for a knowledgeable, proactive, and genuinely caring mortgage adviser.
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Maya Kirby profile picture
Maya Kirby
42 days ago
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I'm in the process of buying my first home, and am very grateful to WR Ethical for their services in sorting out the mortgage offer. Conor was brilliant, and I cannot thank him enough. Although mortgage brokers/ advisors aren't strictly necessary when buying a place, it makes the whole process so much simpler, and Conor gave a lot of sound advice that you wouldn't get if you tried to do it yourself. It was also great to be able to look at ethical mortgage products, and the option to give a charity donation. WR Ethical were extremely transparent in terms of fees and funding, and I'd highly recommend them.
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Dan Jones profile picture
Dan Jones
42 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My partner and I are first time buyers. Conor has gone above and beyond to get the best deals and explained the options we had very clearly. We managed to lock in a great rate before the war started shooting up the rates, and this was mainly due to his quick response and swift action. Conors work ethic has saved us a lot of money! Thanks mate 👍

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

Mortgage offer in hand? Renewal coming up?

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