There is no doubt that 2020 and the beginning of 2021 have been a turbulent ride across Northern Ireland so far, navigating the unnerving terrain of the ominous Covid-19. Although the vaccines are rolling out, the end is not here and the uncertainty is taking a toll on the nation as a whole. Research shows that uncertainty actually has more of an impact on our mental health than receiving bad news.


This is having a big impact on Northern Ireland’s economy, the most recent unemployment rate available is 5.1% (Office for National Statistics), with the Bank of England predicting this figure to peak at 7.75% in the middle of this year. There are some practical ways that you can cope with uncertainty and here at The Insurance Clinic, we offer Insurance across Northern Ireland, we are here to help you with the practical steps to regaining stability and easing your mind of worry.


At the insurance clinic, customer service is paramount, we support clients at all levels, from first-time buyers to experienced investors, healthy and young, to those already suffering with an illness. Whatever your situation, we would be delighted to help and advise you with your Insurance queries across the following areas:



Commercial InsuranceSituated conveniently in the City East business centre, Belfast, we provide advice on Insurance across Northern Ireland. Founded by local Queen’s University educated Helmut Elstner, he has developed strong links to local insurance providers and understands the local market well from his 20 years of experience specializing in mortgages and insurance in Northern Ireland.


One in four breadwinners in the UK do not have a life insurance policy in place potentially leaving their families open to financial problems if they died.

This equates to almost 8.5 million people in the UK and with average life insurance payouts of £31,000 per person, according to the Association of British Insurers, there is a £263 billion gap for the families of those who don’t have a policy in place.
With one in four breadwinners in the UK not having life insurance policies, there are a couple of common misconceptions surrounding insurance, such as ‘I am young and healthy, I don’t need insurance’ and ‘my home is insured for its market value’. As experienced with Covid -19, things can change in the blink of an eye, we provide advice on insurance across Northern Ireland to give you peace of mind, to protect you from the unexpected. There are so many factors that are considered in insurance policies and it is our mission to help you understand the in’s and out’s and the gray areas of your policy before you get an unwanted surprise in the unfortunate event that you have to make a claim.


It’s sometimes the simple things in life that get overlooked, like getting to birthday parties, football matches, getting to and from the weekly shop, all part of the daily routine that requires a car. Would your partner be able to keep up the car repayments without your contributions? Your beautiful home, would the mortgage continue to be paid in your absence? If there was an issue with your rental property, would you be covered? Or do you just think you would? Outstanding debts, or disasters, unfortunately, become your partner’s responsibility if something happens to you. If disaster strikes on your property and its uninsured or not covered in your policy, the bill lands with you.


One in five homeowners do not have insurance, with 20% admitting they have no contents or building coverage. The most common home insurance claim is for water pipes that have burst, averaging in the region of £25,000 per claim.. Other top reasons for claims are fire and explosion damage, accidental damage, theft and weather. Insurance is a vast and sometimes daunting landscape to navigate, here at the Insurance Clinic we are the number 1 five star reviewed Insurance advice company in Belfast and beyond. We are familiar with the insurance policies of all major providers, with a wealth of experience across our expert team, we navigate the landscape for you, identifying problems and pitfalls to find the best insurance policy for you.


There are some things in life that can be out of your control, sometimes things can get overwhelming, but starting with the simple steps like protecting the home you have worked so hard for, ensuring the people you care for are protected, these are all small steps that can make a huge difference and give you peace of mind. We might not know what’s coming down the line, but we can plan for the worst and hope for the best and have all bases covered. If you are looking for Life Insurance or just insurance in general across Northern Ireland, then give us a call today, we will help put your worries at bay.