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Personal Insurance

Our strength as a Broker which differentiates us from the direct and internet markets, is that you can speak to the same members of staff who will advise you of the most suitable product that fits your needs, and will be there to talk to should you wish to discuss any aspect of you policy.

Static, Tourers and Motorhomes

We have access to policies designed around you and your caravan. The policies can include covers such as:

Cover is available for units up to 20 years with customers able to insure on either a New for Old (up to 10 years of age) or Market Value basis.

  • Excesses from £50
  • Option to include contents, personal possessions, awning and equipment
  • Option to include legal expenses
  • Option to include EU Use on motorhome policies
  • Option to include breakdown cover on motorhome policies
  • Residential cover for static caravans available
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Renovations, Extensions and Self Builds

Are you taking on a project on your own property? Depending on the works involved, it is unusual for your Standard Home Insurance to provide full cover during the works. There are specific policies available for properties undergoing renovation, major works, extensions etc.

The policies include covers such as:

  • Cover for the existing structure
  • Cover for the works in progress
  • Cover for Employers Liability covering the workers on site
  • Cover for Public Liability
  • Cover for tools and own plant
  • Cover for Hired in Plant
  • Additional interest of Mortgagees and Banks can be accommodated
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Gap Insurance

Our GAP Insurance covers Universal Gap, Purchase Price Protection (PPP), Combined Purchase Protection and Finance GAP, Lease GAP and Top Up Fleet GAP.

Have you purchased a vehicle and are concerned about the possible financial shortfall if the vehicle was a write off?

We have access to an Insurer who provides policies for all types of Guaranteed Asset Protection (GAP).

  • Available for new and used vehicles
  • Financial protection in the event of a total loss due to fire, accident or theft
  • Products available for cars, light vans, commercial vehicles up to 44ton, motorcycles, motorhomes, driving school vehicles and fleets
  • An annually renewable GAP product to give customers more flexibility
  • No limit to the number of times you change your vehicle

Specific policies designed for type of ownership:

  • Personal/Business Contract Hire, Lease Hire, Finance Lease
  • Hire Purchase, Personal Contract Purchase (PCP), Bank loan, Lease Purchase
  • Outright Purchase from a vehicle supplier, Private Sale or Auction
  • Lower rate of Insurance Premium Tax (IPT) compared to car dealerships
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Home Insurance

We have access to specific policies designed around you and your home. The policies can include covers such as:

  • Blanket policies available up to £1,000,000 Buildings Sum Insured
  • Blanket policies available up to £75,000 Contents Sum Insured
  • Cover available for belongings outside the home anywhere in the UK
  • Accidental damage cover included on buildings, contents and personal possessions
  • Specified cover available for Jewellery, Mobile Phones, Camera Equipment and other valuable items
  • Option to add Family Legal Protection
  • There is also the option of Direct Debit available.
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Personal and Business Motor

We have access to specific policies designed around you and your car. The policies can include covers such as:

  • Optional legal expenses available
  • Optional Breakdown available
  • Cover for up to 5 named drivers
  • Business use available
  • Multi vehicle policies
  • Excesses from £100
  • Cover for accidental misfuelling available
  • Replacements locks cover available
  • Temporary EU cover available
  • There is also the option of Direct Debit available.
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Holiday Home

Do you have a holiday home, second home, park home in the UK or overseas? We have access to specific policies designed around you and your Property. The policies can include covers such as:

  • Option to include accidental damage cover
  • Buildings section includes cover for swimming pools/hot tubs/Jacuzzis (if required)
  • Temporary accommodation or loss of hiring charges cover included
  • Loss or theft of keys
  • Emergency travel
  • Option to include legal expenses cover
  • Property Owners Liability
  • Excesses from £50
  • There is also the option of Direct Debit available.
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High Net Worth Home

These policies are provided for higher value homes and contents. They provide extra covers and benefits to standard household contracts such as:

  • Worldwide cover for contents and personal possessions
  • Generous single article limits provided for jewellery and watches
  • Buildings and Contents at additional/second homes can be added
  • Unlimited trace and access cover to find the source of gas and water leaks can be provided
  • Legal protection available
  • Cyber cover available
  • Award winning claims service by the Insurers we use
  • Appraisal services available
  • Home emergency cover available
  • The option to pay by Direct Debit available
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Performance Motor Insurance

Porsche, Aston Martin, Bentley, Ferrari, Bugatti, Maserati and Mclaren. We have access to specific policies designed around you and your Car. The policies can include covers such as:

  • New Car replacement up to 3 years old following a total loss
  • Total Loss Excess Promise
  • Personalised registration plate cover
  • Policies including Motor legal protection up to £100,000
  • Options to include agreed value, breakdown cover, comprehensive driving other cars cover & enhanced courtesy car
  • Personal belongings cover up to £1000
  • Multi vehicle policies
  • There is also the option of Interest Free Direct Debit available.
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Boat Insurance

Our Boat Insurance covers small craft, prestige, motorboat, inland waterways and sailing boats. We have access to Insurers who provide policies for all types of Pleasure craft. The policies can include covers such as:

  • Loss or Damage to your craft following an accident, theft, attempted theft, fire or malicious damage
  • Damage you cause to any property of other people or any injuries they sustain
  • Water Skiing Liability
  • Third Party Liability
  • Tenders cover
  • Loss or damage to personal effects
  • Personal Accident
  • Cover for damage caused by wear and tear available
  • Pet medical fees if pet injured whilst on board available
  • Protection for the vessel on an agreed value on Prestige cover
  • There is also the option of Direct Debit available.
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Classic & Special Vehicles

We have access to Insurers who can provide specialist cover for these Classic and Special Vehicles. These include Cars, Motor Cycles, Commercial Vehicles, Converted Buses, Route Masters and Agricultural Vehicles. The policies include covers such as:

  • Agreed Value
  • Various Mileage Discounts
  • Multi Vehicle Policies
  • Conversions, Mobile Cafes, Exhibition Vehicles, Mobile Bars – all the unusual considered!
  • Optional Legal Expenses
  • Optional Vehicle Breakdown
  • Exhibition Cover
  • Laid up cover available
  • There is also the option of Direct Debit available.
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