Our Services
Home / Services
Six Ways to Keep a Plan Standing
Butlington arranges life, health, home, motor, travel, and business cover. Each service below describes who it is for, what a typical schedule protects, what people forget to ask, and how a claim usually starts. Figures on the pricing page are illustrations. The schedule you receive is the contract.
Life Insurance
Life cover is a lump sum, an income stream, or both, paid when a person on the plan dies or meets a stated definition of serious illness or disability. Households use it to clear a loan, replace earnings, or keep school and rent on their usual timetable.
We ask who would feel the gap first, how long that gap would last, and whether a level sum or a decreasing sum fits the debt. Term cover, whole-of-life style cover, and income protection are compared side by side, including the premium pattern as age changes.
- Sum assured you can justify
- Clear disability wording
- Beneficiaries named in writing
- Review when the family changes
Health Insurance
A health plan pays agreed hospital, specialist, and recovery costs according to a benefit table. The useful questions are not “is hospital included?†but “which hospitals, what daily limit, what waiting period for pre-existing conditions, and what you still pay on the day.â€
Butlington maps outpatient visits, inpatient stays, maternity where it is offered, and chronic-care rules before you enrol. Care partners can be checked so a booked procedure is not a surprise out-of-network bill.
- Waiting periods in plain view
- Hospital lists you can read
- Excess choices that change the premium
- A guide for pre-authorisation
Home Insurance
Buildings cover looks after the structure: walls, roof, fitted kitchens, and sometimes outbuildings. Contents cover looks after belongings you could carry to another address. Alternative accommodation helps when the home cannot be lived in after an insured event such as fire, storm, or escape of water.
We separate accidental damage, which is often optional, from the core perils. Valuables above a single-item limit need to be listed. Renovations must be told to us before work starts, because an open roof is a different risk from a finished one.
- Rebuild cost, not market price
- Contents totals you update
- Storm and water claim steps
- Liability if a visitor is injured
Car and Bike Insurance
Motor cover protects you against injury claims from other people, damage to your own vehicle when you choose that option, and the practical mess of a repair. Bike policies follow the same logic with their own accessory and riding-gear questions.
Before renewal we ask five things: the excess, whether a courtesy vehicle is included, the windscreen limit, who is a named driver, and how a claim-free year changes the price. A cheap premium with an excess you cannot pay is not a saving.
- Third-party and own-damage options
- Repair partners with photo updates
- Named drivers written down
- Windscreen and accessory caps shown
Travel Insurance
Travel cover is for medical treatment away from home, cancelled or cut-short trips, delayed departures, and baggage that does not arrive with you. It is bought before the trip is locked, not from a departure hall.
We read the medical declaration carefully. An undeclared condition is the most common reason a travel claim stalls. Adventure activities, winter sports, and long stays need their own extensions, and we say so while you can still change the plan.
- Emergency treatment limits
- Trip cancellation rules
- Baggage single-item caps
- Declarations completed honestly
Business Insurance
A family firm, clinic, studio, or workshop usually needs more than one contract: liability if a client is harmed, property if equipment is damaged, and continuity if the doors must stay shut after an insured event. Professional liability matters when advice itself can cause a loss.
We build the pack from how money is earned. A clinic’s week looks different from a furniture workshop’s week. Employees, subcontractors, and goods in transit are listed so a claim does not fail on a missing name.
- Public and professional liability
- Equipment and stock values
- Business interruption periods
- A briefing your team can keep
What to Do in the First Day
Make people safe first. Then write to hello@butlingtonfeedback.com with the policy name, what happened, when it happened, and photographs if you can take them without risk. Keep receipts, medical notes, and repair estimates. Do not admit fault in writing to another party before you have spoken with your claims guide.
A guide confirms what the schedule appears to cover, what excess applies, and which documents close the file. Some claims need a loss adjuster or a medical report. We tell you that early, including any cost that stays with you.
