LANDLORD INSURANCE

We hold agencies with many of the leading insurers and mgas in the property insurance sector in the UK, and we can arrange quality policies for both residential and commercial properties at very competitive prices.

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We can arrange insurance at competitive prices for many non-standard products, including, hmos, non-occupied, undergoing construction, occupied by asylum seekers, non-standard construction, history of subsidence/movement etc.

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HOMEOWNERS INSURANCE

We hold agencies with some of the leading providers of insurance for homeowners in the UK, and we provide quality policies at very competitive prices. We only broker quality defaqto 5* rated home insurance policies from reputable insurers that insure our clients are fully protected in the event of a claim.
Many people are tempted to simply purchase the cheapest home insurance policy they see online on a comparison website, but this is often a bad choice, as many of the cheap policies available online have very poor policy wordings, with many exclusions, and low claim limits. Many of these insurers also have very poor claims histories. When you come to us, you can be assured that you are fully protected at very competitive prices.

PRIVATE MEDICAL INSURANCE

We have agencies with most of the leading insurers in the private medical insurance market in the UK, including Bupa, Axa, Aviva and Vitality. We arrange both individual policies for individuals/families, and group policies for businesses.

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The private medical insurance space is complex, with many different elements to choose from in policies, and each insurer have different products, each with their own unique features. We work with our clients to help them understand the different options available, and help them decide which policy is most suitable for their requirements. We can then provide several quotes for different levels of cover, to enable the client to make an informed decision about which policy to purchase.

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We also arrange dental policies for businesses, which can be purchased either as an add-on to a private medical insurance policy or as a stand alone policy.

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For those businesses not looking to spend as much as for a private medical insurance policy, we can also arrange cashplans, which can be a very cheap way of providing a valuable benefit for employees. With cashplans, employees can claim money back for various obtical, detal, and audiological expenses, like glasses, optician appointments, dental treatments etc. Prices for cashplans start from as low as £1 per week per employee.

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A business only needs to have a minimum of two employees on cover, to purchase a group pmi, dental or cashplan policy.

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We hold agencies with many of the leading providers of life insurance in the UK (Aviva, Zurich, Legal and General, Aig, Royal London, LV, Vitality, Aegon etc) We work with our clients to help them understand their protection requirements, we discuss the different options available and we help them find the policies best suited to their needs. We are experienced in providing our clients with a range of policies to suit their needs including;

Level life cover: amount of cover stays the same throughout the term of the policy. This is for people looking to protect their family by ensuring they will have money for their living costs in the event of the death of the life assured. 

Decreasing life cover: the cover reduces over the term of the policy. This is used for people looking to cover the value of their outstanding mortgage to protect their family home in the event of the death of the life assured. 

Critical illness cover: This pays out in the event of diagnosis of a critical illness or accident that will prevent the assured from working. This helps ensure that the life assured and his family will have enough money to live in the event of a critical illness or accident that will prevents the life assured from being able to continue to work in the same capacity that he had been prior to the critical illness/accident. 

Income protection: this pays out a monthly payment to partly replace the assured's income in the event of an illness/accident that prevents him from working.  

In 2022, in response to the the needs of our clients, we began brokering various insurance products for trading businesses. We could see that there was a gap in the market, with many small businesses struggling to find adequate insurance, and insurance brokers not looking to invest the time needed to arrange the right cover for small businesses, where the commissions are small. Our policy is to always spend as much time as it takes to find the best policy for our clients, no matter their size.
We arrange; professional indemnity insurance, public liability insurance and employers liability insurance.