Guide to Personal Insurance

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There are many different types of Personal Insurance policies to consider to protect you should the worst happen. The trick is finding the right balance so you’ve got enough protection for all aspects of your life but aren’t over-insured and paying for benefits that might not necessarily be right for you.

The right personal protection products will protect not only you, but your finances and your family. Personal insurance covers a range of health and protection insurance products that provide a safety net against life’s uncertainties for you and your family.

Income Protection

Income Protection

Income Protection insures your income if you are unable to work due to illness or injury, paying monthly benefits to cover your expenses.

Private Health Insurance

Private Health Insurance covers the cost of private medical care if you fall ill, giving you access to fast healthcare when you need it the most.

Life Insurance

Life Insurance

Personal Life Insurance pays out a lump sum upon your death to cover funeral costs, clear debts or financially support your loved ones after you’re gone.

Mortgage insurance

Mortgage Insurance

Mortgage Insurance comprises Mortgage Life Insurance to protect against death and Mortgage Payment Protection to cover you in case you can’t work.

critical illness insurance

Critical Illness Insurance

Critical Illness Insurance pays out a tax-free lump sum should you suffer from a critical illness. This can be used to cover medical expenses, replace lost income or make adaptations to your home following a disability.


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Types of Personal Insurance

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    When to Review Personal Protection Products

    Products as important as personal insurance shouldn’t be filed away and forgotten about. They should be reviewed and updated when there are changes in your life to ensure your cover remains right for your current needs.

    Certain life-altering events should be followed by a review of your personal insurance policy:

    • Getting married / moving in together
    • Starting / increasing your family
    • Moving jobs with a change in employee benefits
    • Becoming self-employed, a contractor or starting a business
    • Buying a property / getting a mortgage
    • Moving to a higher value property with a larger mortgage.

    Some personal protection policies will include a guaranteed insurability option, which allow you to increase the amount of cover you have if you reach a major milestone in your life without submitting further medical evidence. These typically include getting married, having children, moving house / increasing your mortgage and getting a pay rise / promotion.

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    Common Personal Insurance Questions...

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      Get Personal Insurance Quotes & Expert Advice

      Finding the right Personal Insurance product is only the first step to getting your protection put in place. Not all policies are made equal and different insurers will make different offers.

      Why Speak to Us…

      We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to let us help.

      • There is no fee for our service
      • We are independent and impartial
        Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
      • We’ve got bargaining power on our side
        This allows us to negotiate better premiums for you than you going direct yourself.
      • You’ll speak to a dedicated expert from start to finish
        You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
      • Benefit from our 5-star service
        We pride ourselves on providing a 5-star service, as can be seen from our 2637 and growing independent client reviews rating us at 4.91 / 5.
      • Gain the protection of regulated advice
        You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
      • Claims support when you need it the most
        You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.

      I had the pleasure of dealing with Jake Mills in organising my insurance. Jake was fantastic to deal with — his patience and understanding really helped.

      Brendan Kelly
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