Knowing these statistics and through 25 years of claim experience you can understand why we feel that these insurances are one of modern lifes essentials rather than just another drain on your funds. Best 4U only recommends the most effective insurance products that help our clients live happy lives in the knowledge that they and their family are fully protected if the worst happens. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. All loans are subject to status and disclosure. No fees are charged for insurances as per our FCA Disclosure Document £50 upfront with £200 on application and £250 on completion.