Tel: 01294 539267
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At Financial Services Scotland Ltd we also offer a full range of Protection and General Insurance products.  We can assess your insurance needs whether it’s for mortgage cover, to replace lost income through illness or injury, or to pay for future funeral expenses, we can provide you with the best advice and Insurance products from a panel of leading Insurers.


Protection Insurance is designed to cushion you and your family against the impact of unexpected and potentially costly events including; illness, accident, unemployment and death. The most popular Protection Insurance products that we provide include:

  • Term Assurance

This is Protection Insurance in its simplest form. It is a Life Insurance contract designed to pay out on death within a specific term.

  • Critical & Serious Illness Cover

Both Critical and Serious Illness cover are designed to pay out a tax free lump sum to pay off any liabilities you may have or to replace lost income following the diagnosis of a critical or serious illness.

  • Whole of Life Cover

Is a Life Insurance contract that you will pay for the whole of your life and which is generally used to pay for funeral expenses.

  • Income Protection

This is an Insurance product designed to replace a portion of your monthly income if you become ill and are unable to work.

  • Business Protection  

This type of Insurance is designed to protect against unforeseen events that may happen within the corporate structure of a business. This can include the illness or death of a shareholder or key person. There are many other Protection Insurance products that we provide and we will be happy to discuss them with you should you require them.

General Insurance

General Insurance typically comprises any insurance that is not determined to be Life Insurance. Our most popular General Insurance Products are:

  • Buildings & Contents Insurance*

Whether you are a home-owner or renting a property you will require either Buildings or Contents Insurance or both. These products will cover you for damage to your property or damage to the items within.

  • Buy-To-Let Insurance*

This is also known as Landlords Insurance. This product gives peace of mind to the property owner when renting out his or her property.

  • Commercial Insurance

Commercial Insurance will include products such as Employers Liability Insurance, Public Liability and Office Insurance, among others.
*Financial Services Scotland Ltd acts as a credit broker and not a lender. 

The Hub

There are certain types of Commercial Insurance that we at Financial Services Scotland do not personally deal. In these cases our network provider, Personal Touch Financial Services Ltd, can offer an excellent alternative for our customers through their ‘Hub’ advice service. ‘The Hub’ service involves a team of their own specialist advisers, on hand and dedicated to providing you with great quality advice and products.

Contact us

Contact details

01294 539267

Financial Services Scotland Ltd.

1 Glebe Street
KA20 3EN

Tel: 01294 539267

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Financial Services Scotland Ltd is registered in Scotland, and is an appointed representative of Personal Touch Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Company No. sc408291. 1 Glebe Street, Stevenston, Ayrshire KA20 3EN.