Car insurance
Cover options for accidental damage, theft and third-party liability.
Personal insurance
Your life changes. Your policy needs to notice.
A new car, a renovated kitchen, jewellery, a young driver: the small changes are often where cover drifts out of date. We compare options and explain the gaps before they become claim problems.
What may sit on the policy
Home, road and everything you carry between them.
Not every client needs every section. The wording, limits and excesses depend on the insurer and your circumstances.
Home contents
The furniture, appliances, clothing and electronics you keep at home.
Homeowners insurance
The physical structure and permanent fixtures of the property.
All risk possessions
Selected portable items such as phones, jewellery, cameras and laptops.
Gap cover
Certain medical expense shortfalls, subject to the product limits and exclusions.
Assist support
Selected emergency and assistance services attached to a policy.
Personal liability
Specified legal liability arising from everyday personal activities.
Accident cover
Benefits for specified accidental injury or death.
Three things we check before price.
- What is the real replacement value?
Market value and replacement cost are not always the same thing.
- Which exclusions would surprise you?
We translate the wording so the limits are visible before you choose.
- Who will help if you claim?
You have a direct contact who already knows the policy.