Safeguard your home and belongings with comprehensive home and contents insurance from Futurisk Insurance, serving clients across New Zealand. Home & Contents Insurance Our Solutions > Personal Insurance > Home & Contents Insurance > For Owner Occupied, Rental Dwellings and Holiday Homes. Covers you against losses to your most prizes possessions and important assets. Home Insurance Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? After the Canterbury earthquakes, all insurers changed to sum-insured policies. These policies make the owner responsible for calculating the costs to rebuild and insuring it for this amount. As your home is one of your most valuable possessions, insuring it for the right amount is not something you want to get wrong. Sum Sure Calculator This tool can assist in helping you to calculate your home Sum Insured - Sum Sure Calculator . You also want to know that when you need to make a claim, that you have people that will help you get that claim processed as soon as possible. Futurisk can match you up with the provider that will give you the benefits you need when you need them and get you competitively priced premiums and support you through the claims process. Chat to one of your local advisers today to organise a personalised Home & Contents plan. Talk to an adviser Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? If you own a rental property, you are vulnerable to the same risks of any homeowner. You’re also vulnerable to damage that tenants can do to your home and contents. Loss of Rent cover can support during a claimable event when you can’t rent out your property while it’s being repaired or if your tenants break the lease without required notice. It pays to have landlord insurance, which is designed to protect owners of investment properties. Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? Contents insurance provides protection against damage, theft or loss of your personal possessions. This may include anything from a pair of designer sunglasses to a flatscreen TV, to your furniture. The team at Futurisk will let you know what can be covered, and you can select the excess to reduce your premium. Contents Sum Insured Calculator No more guessing, no more time-consuming calculations, and no more under insurance! Click on the below link to calculate the level of cover you need for your Home Contents - Contents Sum Insured Calculator Freephone 0800 17 18 19 Insurance Benefits Protects your business on construction sites Protects the building under construction from natural disasters or damages caused by theft or vandalism the turnover that is lost so you can recover and rebuild Contract Works is an Important cover for commercial, industrial and domestic builders, sub-contractors, and property owners against damage, natural disasters, theft and product or public liability. What can it cover? Depending on your policy, contract works insurance can cover you against: Natural disasters Damage to property Broken glass Defects Liability Landlord’s insurance is designed to protect owners of investment properties. Landlord's Cover Enquire Now Contents Insurance provides cover for accidental loss or damage to your personal belongings. From basic cover to comprehensive cover, landlord contents and holiday home contents. Contents Insurance Enquire Now Important cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, theft and product or public liability. Contract Works Enquire Now

Learn about ACC Cover Plus and how it can provide additional protection beyond standard ACC coverage. Consult with Futurisk Insurance in New Zealand. ACC Cover Plus Our Solutions > Personal Insurance > ACC Cover Plus > Our Financial Advisers will work with you to work out the best possible combination of ACC and Insurance Protection cover. ACC Cover Plus Extra Enquire Now Cover Plus, or Cover Plus Extra? Cover Plus – is not guaranteed, it pays only 80% of your gross income. However if you have staff out working and generating income for you while you are unable to work, ACC may not pay you. Cover Plus Extra – will pay the agreed sum no matter what your earnings were in the previous 12 months, prior to you being unable to work. Cover Plus Extra even pays if your staff continue to work and generate an income for your business. Our Financial Advisers will work with you to work out the best possible combination of ACC and Insurance Protection cover, and quite often we can reduce your ACC levies. We make sure you have an affordable plan, with a mix of ACC and Income Protection and still save money on your previous Cover Plus levies. Why use our ACC advisers? Ensure you’re not paying too much for ACC - our advisers will provide clarity and ensure you’re paying the correct amount. Ensure you have the right combination of ACC Cover and Income Cover - our advisers personalise your plan to ensure you’re covered for what you need. We Work for You – Our Advisors work as your advocate – actively working on your behalf with the support you need. Enquire Now ACC and You ACC provides an injury cover for everyone in New Zealand, no matter where the injury occurs. This is paid for by a combination of government funding and deductions from your income which are based on the industry you work in.

 It covers you for accidents and injuries and making a claim is usually straightforward if you are employed with a regular income, and it should pay out 80% of your pre-disability income.

 However, it is not always straightforward if you are a self-employed business owner?

 What if you are self-employed and your income fluctuates? (the previous 12 months may not have been so good, with extra expenses and less work)

 What happens if ACC decides they should not pay? They can say they believe the injury was caused thru degeneration or illness, due to your age. (Will you be covered if you have a heart attack? Can you prove it was a work-related accident? Most self-employed business owners are automatically put into ACC Cover Plus, however this may not be the ideal plan for you. Chat to one of your local advisers today to organise a personalised Life Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Ensure your business can withstand unexpected disruptions with business continuity insurance from Futurisk Insurance. Get expert coverage solutions in New Zealand. Business Continuity Insurance Our Solutions > Personal Insurance > Business Continuity > Business Continuity can protect your business from disruptions caused by sickness and injury. Business Continuity with Futurisk Enquire Now Additional Options Partial Disablement Benefit Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks. Peak Season Benefit If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit. Business Income Support Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Business Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65. Benefits of Business Continuity Worldwide Cover Agreed Value Benefit Guaranteed Benefit Recurrent Disablement Benefit What can it cover? Most businesses protect their physical assets such as plant and equipment but may not protect human assets that are key to keeping their business running profitably. Business Continuity Insurance helps your business by providing monthly payments and support should a key person become disabled or unable to work due to ill-health. Offsets No offsets applied. Business Continuity Cover does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Explore KiwiSaver investment options and managed funds with Futurisk Insurance. Secure your financial future with expert guidance in New Zealand. Managed Funds Our Solutions > Kiwisaver/Investments > Managed Funds > Our Qualified Fund Managers, can help you choose the right funds to invest your money in, based on your Investor Profile. Managed Funds Enquire Now Why use our Fund Managers? Get specialised help to create an investment strategy – our Fund Managers can help you choose the right funds to invest your money in. Achieve your savings target – be supported to reach your savings goals. Enquire Now About Managed Funds Managed Funds are a great way for you to invest any surplus income and utilise the skills and experience of a qualified Fund Manager, who will choose the right funds to invest your money in, based on your Investor Profile. Your money will be pooled with other investors’ money and invested in various investments. Minimum account balance is $1,000 and you can make regular deposits and withdrawals (minimum amounts apply). Fees are based on the net asset value of your Funds and you can get the same returns as a good performing KiwiSaver fund, but your funds will not be locked in until you reach retirement age, and you are able to move your investment between the Funds at any time. If you are saving for a large expense in 5 – 20 years’ time, this could be the perfect option for you to watch your money grow and help you reach your financial target. Contact Futurisk to find out more and complete your Investor Profile. Or you can work out your own risk profile at https://sorted.org.nz/tools/investor-kickstarter . We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Ensure your mortgage payments are covered in case of unexpected life events with mortgage protection insurance from Futurisk Insurance. Mortgage Protection Our Solutions > Personal Insurance > Mortgage Protection > Mortgage protection cover can provide you with a regular monthly mortgage payment if you are unable to work due to sickness or injury. Mortgage Protection with Futurisk Enquire Now Additional Options Redundancy Cover If you are made redundant, you’ll be covered with monthly payments for up to six months.. Retirement Protection (KiwiSaver) Under this benefit you can keep contributing to your KiwiSaver while you’re on a Total Disability claim, helping you to continue receiving the member tax credit. This contribution is an addition to your monthly benefit. Mental Health Limitation This option will reduce your premiums and you will receive payments for only two years throughout the life of your policy should you make a claim for mental health. Dependent Care Benefit This option will provide you with a proportion of a monthly benefit should you need to give up work to provide full-time care for a relative who can no longer take care of themselves because of total disability. Claim Indexation Your sum insured will increase every year according to the CPI, (New Zealand Consumer Price Index). This helps your sum assured stay in line with inflation. Benefits of Mortgage Protection World Wide cover Recurrent Disability Benefit Vocational Training Benefit Home modification of Equipment Support Waiver of Premiums Suspension Cover Benefit Back to work payment What can it cover? Mortgage protection cover can provide you with a regular monthly mortgage payment if you are unable to work due to sickness or injury. Why Mortgage Protection? For many people their house is their most valuable asset. If you are unable to work due to an illness or injury, Mortgage Protection Cover can provide you with regular monthly payments so you won’t be worried about your mortgage or rent payments when you would be better off focused on regaining your Independence. Cover Options: You can choose to cover up to 115% of your contractual mortgage repayments on your residential property. Up to a maximum of 45% of your gross income. Offsets No offsets apply. Mortgage protection does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4-104 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 1 - 5 year payment periods with options for your policy to end at ages 65 or 70 years old. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Ensure your farm or rural business stays protected with specialised rural continuity insurance from Futurisk Insurance, tailored for New Zealand’s agricultural sector. Rural Continuity Insurance Our Solutions > Personal Insurance > Rural Continuity > Rural Continuity (Key Persons Cover) can protect yourself and your farm from financial impact during sickness or injury. Rural Continuity with Futurisk Enquire Now Additional Options Partial Disablement Benefit Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks. Peak Season Benefit If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit. Business Income Support Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Rural Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65. Benefits of Rural Continuity Worldwide Cover Agreed Value Benefit Guaranteed Benefit Recurrent Disablement Benefit What can it cover? Farmers have a unique work environment and generally work and live in the same place with their family experiencing long working hours and often unpredictable conditions. Rural Continuity Insurance can provide a monthly payment to safeguard the future of your farm or sharemilking business should you become disabled as a result of an accident or ill health. This applies if you are unable to continue farming for more than 10 hours a week, providing you are not working in any other business. Offsets No offsets applied. Rural continuity cover does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Protect your business with tailored insurance solutions from Futurisk Insurance. We offer coverage for various industries across New Zealand. Business Insurance options with Futurisk Our Solutions > Business Insurance > Book a free appointment here Business Insurance options Business Interruption Contract Works Material Damage Cyber Insurance Commercial Motor Vehicle Liability Insurance Rural Insurance Chat to one of your local advisers today to organise a personalised Business Insurance plan. We are local financial advisers who live and work in your community Enquire Now Freephone 0800 17 18 19 Why choose a Futurisk Adviser? At Futurisk, we work for you, not the insurer or the bank. We are local financial advisers who live and work in your community. We guide you to the right solution, at the right price. And when it’s time to claim, we’ve got your back. Find out more

See what our clients have to say about Futurisk Insurance. Read customer feedback on our insurance and mortgage solutions. Client Feedback Reviews > At Futurisk, you’re not a number to us, you become a friend. We get to know you and your circumstances and support you whenever you need us. Clear Guidance and Outstanding Support Thank you for your excellent support throughout our mortgage process. We really appreciated how clearly you explained everything, your quick responses, and your genuine commitment to helping us make the right decisions. We happily recommend your services to others. I have attached some photos as well. Thank you again. Clyde and Kath Life is sacred Life is sacred and we must do all our best to keep ourselves healthy and strong. But, even in this day and age of advanced technology and medicine, we still cannot guarantee an eternal life or a life that is free of any health issues. In one form or another, our body will just suddenly contract a disease that is unexpected to us whether it is through our doing or just a freak of nature. We see this every day on Facebook. On my timeline, I saw friends, family, relatives, colleagues and classmates in the past and current who suddenly got ill or who suddenly died. And I felt that there is no age, no economic status nor education can save us from neither illness nor death. And I am no different from them. I am just another human who will one day get ill or die. And then I looked at my life and saw my 5 children whom I brought to New Zealand. What will happen to them when I am gone? How are they going to cope in a foreign land all by themselves? That’s when I decided to get a Life insurance. And then one day, I met Financial Adviser of Futurisk Insurance through his son . He advised me that it is also good to have a little bit of help from the insurance while I am alive through the medical condition covered (i.e. progressive care). At least I don’t have to wait to die before I can enjoy the benefits. So that’s when I learned about Sovereign from where I took my Progressive care and Income protection. Then after less than a year of joining Sovereign, a regular smear test changed my life forever. I was suddenly diagnosed with cancer. It was so shocking and unexpected. My life was put on hold. I suddenly stopped working and stopped worrying about bills and everything else around me. All I focused on was to deal with pain and the treatment the Doctors advised me to go through. I was lucky to have met my financial advisor and got my Insurance cover because when I got diagnosed with cancer I felt someone has my back covered for my bills and my extended absence from work. I reached out to my medical condition and work protection cover. It was such a relief that there is someone or something that I can lean on in this difficult time of my life. All I can say is thank you to Futurisk for helping me get my insurance application processed. Insurance is an extra expense but an expense worth spending every dollar for yourself and your family’s future, most especially in times of your need. Loisa Reyes Auckland Best available plan Being a highly-organised and trained planner, and a very practical person to boot, I made sure I acquired different types of insurance so that I will have peace of mind. I saw how Carmela was hardworking and so driven with her job as a financial advisor and I wanted to boost her sales apart from making sure I got covered in all aspects of my life. Knowing that I just about done this, Carmela offered me the best available plan. She wasn't really after making a few bucks from me but showed real concern so I can experience the best benefits. She was even able to convince my husband to get the same insurance coverage. Kudos to Carmela, I now look at financial advisors and insurance coverage in a different light. More power!!! Mayette Cope-Sant Palmerston North Made the process easy I have multiple insurance policies via another insurance provider when I happened to have a discussion with Carmela regarding my search for the right Medical insurance plan for me and my Family. Not only had she gone out of her way to accommodate my crazy schedule, She also made sure that I was aware of the pro's and con's of each product and she really made sure that I had the best fit for my family. About a year after I had signed on with her - I was hospitalized and went into emergency surgery. Not only did Carmela visit and made sure that I was ok, She also made sure I was aware of the other benefits my medical cover had for me. I felt I was more than just a paying client and I felt that I was looked after. I received my renewal for my medical insurance this year and I was more than happy to renew my policy after the outstanding level of customer service I had received from Carmela. She is most definitely an asset to Futurisk and an amazing person to be on your side when facing extreme difficulties. She made the process easy and the policy comprehensible. I am now looking at transferring all my other insurance policies with her since she had shown me exactly how a policy holder is meant to be looked after! Loraine Trinidad Symons Palmerston North See more reviews Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Ensure your boat is protected with specialised pleasure craft insurance from Futurisk Insurance, offering tailored coverage for New Zealand's boating enthusiasts. Pleasure Craft Insurance Our Solutions > Personal Insurance > Pleasure Craft Insurance > Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Pleasure Craft Insurance Enquire Now Benefits with Futurisk Covers marine vessels used for private purposes, e.g. yachts, cruisers, wave riders, jet skis, dingy’s and sail craft Helps protect you if you accidentally injure someone or damage their property with your boat We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Boat insurance may also help protect you if you accidentally injure someone or damage their property whilst using your boat. Chat to one of your local advisers today to organise a personalised Pleasure Craft plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Ensure your loved ones are financially protected with our customisable life insurance policies. Explore options with Futurisk Insurance in New Zealand. Life Insurance Our Solutions > Personal Insurance > Life Insurance > A plan that takes care of your loved ones when life doesn't go to plan. Life Insurance Enquire Now Types of Life Insurance Lump Sum – can be used to settle debts, pay for final expenses, create an investment fund to generate ongoing income, enable business ownership to be restructured, or provide an inheritance or donation, amongst other things. Monthly Payment – Designed to minimise impact on the lifestyle of your family after your death through a monthly payment. Benefits of Life Insurance Lump Sum Payment Worldwide Cover No Expiry Age What can it cover? Life Insurance pays a lump sum (or a fixed monthly amount) if you die as a result of either accident or illness, or upon diagnosis of terminal illness likely to result in death within 12 months. Having Life Cover in place will ensure that your debt and funeral costs are covered so that your family or your business are able to carry-on after your death. Life Insurance helps you minimise the financial impact of death or terminal illness for you and your family, and gives you peace of mind that you can provide security for a wide range of financial commitments. Fixing Life Insurance Premiums You can fix your life insurance premiums. There are several options available, with different premium structures including: Yearly Stepped – Your premium are based on your current age and sum insured. They start out relatively low, but will increase each year with age. Level Term – Premiums are fixed for the life of the policy. At the start they will be more expensive compared to yearly stepped. But in the end you may be better off as yearly stepped premiums keep increasing. Chat to one of your local advisers today to organise a personalised Life Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Access flexible personal and vehicle loan options with Futurisk Insurance. Achieve your financial goals with our customised financing solutions in New Zealand. Personal & Vehicle Loans Our Solutions > Mortgages > Personal and Vehicle Loans > Personal Loans Enquire Now Secure your personal loan with confidence! Need financial flexibility for unexpected expenses, home renovations, or consolidating debt? We offer personal loans with competitive rates and flexible repayment terms to suit your needs. Whether you're funding a special project, covering medical costs, or achieving personal goals, we're here to help you access the funds you need. With a simple and fast application process, you can get the support you need with ease and peace of mind. Vehicle Loans Enquire Now Get the support you need and book a free consultation with one of our friendly mortgage experts today. Book a Consultation Robin Varghese BDM / Financial Adviser 06 358 3400 ext 712 Bio With 9 years of experience in the insurance and mortgage industry, I specialize in guiding individuals and families toward making informed financial decisions. My goal is to simplify the complexities of mortgages and insurance, ensuring you find the right solutions tailored to your unique needs. I pride myself on providing personalized, transparent, and reliable advice to help clients achieve financial security and homeownership with confidence. Whether you're a first-time buyer, looking to refinance, or seeking comprehensive insurance coverage, I’m here to help every step of the way. I am dedicated family man, married to Jesteena and is a lovely dad to his daughters Hannah and Isa. Whether it be support or someone reliable, honest, and trustworthy i provide you with a service you deserve every time. Email Carmela Laylo BDM / Financial Adviser 06 358 3400 ext 703 Bio Carmela migrated to New Zealand from the Philippines in 2012. Her passion for creating a positive impact not only to her fellow Filipinos, but also to all people from diverse cultures and background, has led her career in the Insurance Industry. In 2013, she started as an insurance broker doing personal risk management and two years after, she accepted the role of a Business Development Manager (BDM) managing her own team of advisers. As a BDM, she works with her team to come up with marketing ideas that could help Futurisk to grow. Because she realized that there is still a wide range of options to open more opportunities, in 2016, she decided to add Mortgage in her portfolio pursuing her passion to help more people not only to protect their assets, both tangible and intangible, but also to achieve their dream of home/investment ownership. Carmela has received her bachelor's degree in Foreign Service with major in International Trade from Lyceum of the Philippines University. She has gained over 15 years of sales, customer service and management experience from her previous local and international professional exposures. She keeps herself updated with the insurance and mortgage industry by attending regular trainings and seminars and earning CPD credits as well as completing other industry requirements. As the industry is constantly evolving, with new products and technologies always being introduced in the market, Carmela makes sure that she is always on top of everything to provide the best possible service to her clients. She makes things happen and is not afraid of hard work but believes that life should be fun, too! Carmela is involved with beauty pageants and fashions shows, she loves to read, sing, socialize and explore the world! Outside work, she loves to spend her time with her loving and supportive husband, Richard and three lovely kids, Kian, Karl and Kayla. Email Mark Henderson Director / Financial Adviser 07 929 2296 Bio Mark is the Principle Adviser for Futurisk Waikato and has been involved in the financial services industry since 2003 after working in various roles within NZ post for over 16 years. He lives in Hamilton with his wife. Mark has 2 adult sons and loves spending time with his grandchildren. Mark is keen on most sports and enjoys competing in Masters Athletics. Mark is a proud member of Financial Advice New Zealand (FANZ) and complies with their Code of Ethics in all facets of his business. He has also completed the Trusted Adviser qualifications, with them. Email Freephone 0800 17 18 19 Finance your next vehicle with ease! Looking for a new or used vehicle? Whether you're purchasing a car, van, electric vehicle (EV), motorbike, boat, caravan, or motorhome, we’re here to help you secure the financing you need. We offer flexible terms and competitive rates, giving you the confidence to drive away in the vehicle of your choice. Let us guide you through the process with ease, so you can enjoy your new ride sooner!

Receive financial protection during major health crises with trauma and critical illness insurance from Futurisk Insurance. Be prepared for life’s uncertainties. Trauma & Critical Insurance Our Solutions > Personal Insurance > Trauma & Critical Illness > Gives you and your family financial flexibility during a serious illness or injury. Trauma & Critical Illness Enquire Now Benefits of Trauma Insurance Lump Sum Payment Built-in Children's Trauma benefit Optional Total and Permanent Disability Benefits. Worldwide Cover What can it cover? Trauma Cover provides a lump sum payment should you suffer one of the covered conditions. The covered conditions are by nature serious and potentially life threatening and as a result, can have a significant financial impact. Trauma Cover is designed to help alleviate this financial impact. The lump sum payment can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income, or enable business ownership to be restructured, among other things. The purpose of the funds is entirely yours to decide.To validate your claim you need to survive 14 days after being diagnosed with a covered condition such as cancer heart attack or stroke. Fixing Trauma & Critical Illness Premiums You can fix your Trauma & Critical Illness premiums. There are several options available, with different premium structures including: Yearly Stepped – Your premium are based on your current age and sum insured. They start out relatively low, but will increase each year with age. Level Term – Premiums are fixed for the life of the policy. At the start they will be more expensive compared to yearly stepped. But in the end you may be better off as yearly stepped premiums keep increasing. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19