Chris Vargyas, 27 from Northampton has suffered a torn shoulder and a broken arm from his Saturday afternoon Rugby hobby. His policy with helpucover.co.uk has paid him when he could not work. Here's what Chris says about players who do not take out Sports injury protection.

"They're definitely missing a trick. I would definitely recommend taking some form of sports injury cover out. Thanks to helpucover, I have the peace of mind that allows me to continue participating in a sport I enjoy without having to worry about the consequence of receiving an injury that could impact other areas of my life.

April 2010

I took insurance out for Cizi with helpucover.co.uk because it's really important to me that he has Lifetime cover

helpucover.co.uk will carry on looking after Cizi even if he develops a chronic condition. Many other insurers just stop paying. I also love the fact that helpucover.co.uk has qualified Veterinary staff at the end of the phone so I can always call them if I have any questions about Cizi

I just wished they paid out insurance on all the shoes he has chewed!

Susie Friend - Hertfordshire

August 2010

I took out Mortgage Payment Protection with helpucover.co.uk because I knew the world was changing and I did not want to risk losing my home.

Having Mortgage Payment Protection Insurance with helpucover.co.uk is having one less worry if you lose your job. If a new job is slow in materialising then your mortgage payments are covered which gives you more time to secure the job you want, not the job you have to take.

The help that I received from helpucover.co.uk was excellent. It does not just offer an insurance service that pays a claim, helpucover.co.uk gives an excellent support service. Staff were helpful,empathetic and informative. Ten out of ten!

Dave Berry

November 2010

Last Christmas, we decided to go around to my sister's house for Christmas day evening. When we arrived back at about 11pm we immediately knew something was wrong with one of our dogs, Jack (7 year old boxer dog).

On the lounge floor were the remains of the wrapping paper and just the box from a box of chocolates my friend had given me for Christmas. As I hadn't got around to opening the gift, I'd just left it on the side table and not given it a second thought. We knew chocolates were toxic to dogs and knew never to give it to any of them. Jack had eaten the entire box of chocolates while we'd been out.

It was horrendous, he was finding it hard to breathe and awful mucous was streaming out of his nose. He was in so much distress. We immediately took him down to the emergency vets and took with us the box with information about what he had eaten. The vet needed to know how much he had eaten and the type of chocolates they were.

He had eaten so many that the vet wasn't very hopeful about him recovering. It was horrendous having to leave Jack there to have all the treatment he needed.

Luckily, he responded to the treatment and a couple of days later he was doing okay and was stable. We treasure every day with him now because we know how easily he could have died. We are now so careful not to leave any chocolates or chocolate related food anywhere where any of the dogs could get them!

Mum found the service from helpucover fantastic and really helpful.

Jess Greenway

December 2010

When I bought my new car in 2010 the dealership offered me Gap insurance for a price of over £400 as a one off payment which I thought was a little expensive, but given that I had previously made a claim on another Gap product a few years ago I would probably have gone ahead and bought this.

However, I was recommended to look at the helpucover Car Value Protector product and as a result of buying this direct from the insurer on-line the cost was just £5.95 per month, which over three years of cover would save me over £200 pounds

MR E* - Birmingham

*Mr E is a relative of an employee of Cardif Pinnacle

It really isn't worth going for a cheap policy. You get what you pay for. Always get the best you can afford, and don't think that because you have a cross-breed you won't need cover! Dogs can be involved in accidents and become ill regardless of their 'pedigree'.

I have found helpucover to be very supportive over the years and shall continue to use them. The customer service team are always helpful and friendly if I need to speak to them. I have never had to use the advice line, but I know it is there. Claims are always paid promptly into our bank account, which I appreciate.

Anne Blackwood - Wales
January 2011

My testimonial about helpucover is that they are second to none. When Rosie was only 6 months old she fell very ill with meningitis, and if I hadn't had the cover with helpucover that I had I would have had to put her down' They paid without a question, and it was the same with the battery incident. Regarding the batteries or any medication which is for you or your dog, keep them well out of their reach. Very young puppies love chewing because they are teething, my advice is lock them away. Rosie is now a happy three year old Border collie and now knows where she can't go. Rosie says I am very sorry, and I won't do it again.

Christine Rowan-Filter - Aberdeenshire
January 2011

John Gray from Scotland was grateful that he read about GAP Insurance in a car magazine. He was also made aware of the serious shortfall that people face if something happens to their car as his friend had an accident and his car was written off. To his friend's dismay, the shortfall he faced from the insurance payout and the finance he owed was £3k. Not a sum to be sneezed at.

John decided to take out his own GAP insurance with helpucover.co.uk and was glad he did. When John also faced the shock of having his car written off he said "all it took was one phone call to helpucover.co.uk" and his claim was settled within three weeks. This meant he could replace his written off car without being out of pocket.

John says "Foresight is great but my GAP insurance was better, I recommend helpucover.co.uk"

John Gray Scotland
January 2011

Pam Harrison has just retired from teaching. Both Pam her and her husband have GAP insurance from helpucover.co.uk for their two cars.

Pam's husband found out about GAP insurance after doing some research when he bought a new car last year. In 2009 Pam had time off work for an operation. Fortunately she had Mortgage Protection Insurance with helpucover.co.uk and because of the fantastic service she had received, her and her husband would only take out GAP insurance with helpucover.co.uk.

Pam has been driving for over thirty years and had never had a single accident. Last year, she found herself spinning around in her car on the motorway and was absolutely petrified. Fortunately Pam was not hurt, despite hitting the central reservation. However, her car was a write off.

Pam says she had been naive about GAP Insurance and as she had never made a claim in her life, she did realise how much shortfall she would be left with when her beloved car was written off.

The cheque Pam received from helpucover.co.uk was for £3K which meant that Pam was able to add this to the £5,650 that her insurance company paid out. Pam has now purchased a new car. The dealership where Pam bought her new car tried to sell her GAP insurance but Pam informed them she already had it with helpucover.co.uk and would not be changing.

Pam says "I told them I certainly was not changing to another company. I have had such excellent service from helpucover.co.uk I will always been loyal to them. If only all companies were as helpful over the phone as helpucover has been to me. They always know what they are talking about and are so friendly and polite. I cannot recommend them enough. I would also tell anyone to take out GAP insurance or they could get a shock if their car is written off or stolen. People just do not realise that they will not be paid what the car was worth when they bought it. I had not known about this - thank goodness my husband did his homework! I tell all my friends now to take out GAP insurance but only from helpucover.co.uk!"

January 2011

Rachel Smith has Mortgage Protection Insurance with helpucover.co.uk. When she was made redundant last year Rachel attended a helpucover Back to Work Workshop to help her through her redundancy and find a new job.

Rachel describes the service she received from helpucover as very organised. "I quickly had contact with the call Centre. People were really helpful, approachable and reassuring. The CV writing that I learnt at the Workshop was helpful with lots of practical advice to make my CV stand out."

Rachel says that the best thing about attending the workshop was meeting all the other people in the same situation as her. "Realising that it wasn't just me, particularly, as at that time on the news there was plenty of statistics, but to meet others and exchange stories really helped. Like many on the workshop we all agreed that going to the Job Centre was a chore, particularly as it was a very cold and de-humanising experience, so meeting others in the same situation was re-assuring."

The workshop host was inspirational (not a word I use to describe many people). He lived in the real world, he understood the problems faced and did not dismiss concerns but gave genuine, good solid advice. The help with my CV was invaluable and I have since helped friends write theirs with the advice and workbook that I was given on the day.

Rachel has the following advice for other people who do not have mortgage payment protection:- "In short - get it. Like anything in life we put it off because we think 'it won't happen to me, but it does. I had seen firsthand in a previous job the dreadful situations that occur due to unemployment such as arrears and evictions. I realised that this was a real threat. However it also covers for other unfortunate events such as illness - which is the one area people forget about. People say that if they lose their job, they will get another. If you are too ill to work you need something to fall back on and this policy offers that reassurance. In recent times it has been very rare to have positive words regarding financial providers. I am happy to say this is not the case with Cardif Pinnacle and helpucover. I am looking forward to starting my new job later this month! I can't wait!"

Rachel Smith

March 2011

Bertie my wonderful Cockerpoo was recently unwell. Thanks to helpucover I was able to claim back the Vet fees without any problems. It's peace of mind I want so I'll be sticking with helpucover for the foreseeable future.

Alison Lancaster

October 2012

I researched this type of cover with quite a few companies and you offered the cover I wanted at the best price available - so I got what I wanted without paying over the odds.

Sean Williams

November 2012