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

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?

We're here to help you get your cover sorted, or to check that what you’ve already got is doing its job.

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