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  • Weigh up the ‘what ifs’ in your world – pet and home insurance

    Those ‘what if…’ moments can strike at any time.

    What if red wine gets spilled on the carpet? What if the car is stolen? What if the cat gets sick? What if there’s a break in? What if we can’t afford the vet’s bill? What if somebody hits the car? Insurance is all about having these ‘what if’ moments covered.

    So, be you a born worrier or an eternal optimist, the peace of mind you get from insuring what you value can be priceless.

    What’s the big deal with insurance?

    General insurance protects the things you love - your home, your possessions, your car and your pets - should something go wrong that could put a dent in your finances.

    Look at it this way; if your valuables got broken or stolen, could you afford to repair or replace them? And if your pet needed urgent treatment, could you find the money upfront?

    There’s no denying you might be lucky and nothing bad ever happens, but what if it does? With insurance you don’t have to be out of pocket and help could be on hand to help get the situation sorted.

    £2,520*

    is the average home insurance payout

    £720°

    is the average pet insurance claim

    £290*

    is the average annual home insurance premium

    Types of insurance we offer

    We offer straightforward and affordable home, car and pet insurance to protect the things you love.

    a couple leaning against a cobbled wall drinking tea outside a cottage

    Home insurance

    • Create a policy just right for you and your home
    • Pay to protect what you want to and no more
    • Choice of extra cover options
    • Get a quote in minutes

    SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers.

    Find out more
    a car driving along a country road surrounded by grass

    Car insurance

    • Protection if your vehicle is vandalised, damaged, stolen or destroyed in a fire
    • Up to £100 per person, with a maximum of £500 per incident, for emergency transport or overnight accommodation
    • Up to £200 cover per person for medical expenses
    • Up to £150 cover for the contents of your vehicle
    • A range of optional extras to suit your needs

    The benefits of SunLife Car Insurance that are featured here are all included with fully comprehensive cover. Third party, fire and theft and third party only cover is also available with reduced benefits. Further policy information is available when you get a quote from us.

    SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers.

    Find out more
    a black labrador carrying a large branch

    Pet insurance

    • Affordable protection just for cats and dogs
    • Only pay for the cover you want
    • Easy claims process
    • Free counselling and support

    SunLife Pet Insurance is arranged and administered by BDML Connect Limited.

    Find out more
  • The smallest print

    * Association of British Insurers - The average pay-out was £2,520 compared to the current average combined buildings and contents premium annual premium of £290.

    ° Association of British Insurers - Average pet insurance claim £720

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

AXA Wealth Ltd trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. AXA Wealth Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427). 

‘SunLife’ (comprising of the companies AXA Wealth Services Limited, AXA Wealth Limited and AXA Sun Life Direct Limited) has been acquired by Pearl Life Holdings Limited (and now forms part of the Phoenix Group – www.thephoenixgroup.com). ‘AXA’ is a trademark that is owned by AXA SA and will be used for a short period under a licence granted by AXA SA to the Phoenix Group.

Pearl Life Holdings Limited is registered in England (4560778) at 1 Wythall Green Way, Wythall, Birmingham B47 6WG. As part of the Phoenix Group, AXA Wealth Limited will continue to be authorised by the Prudential Regulation Authority and regulated by Prudential Regulation Authority and Financial Conduct Authority. AXA Wealth Services Limited will continue to be regulated by the Financial Conduct Authority.

You can contact us by post at SunLife, PO Box 7054, Willenhall, WV1 9ZH or by phone on 0800 008 6060. As part of our commitment to quality service and security, calls may be recorded.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.