We’re an insurance broker – what does that mean?

You can think of brokers as personal shoppers. Only rather than picking out killer outfits for our customers, we steer them towards an insurance package that’s just the right design and fit instead.

Brokers like us work in tandem with insurance companies to get customers the most suitable cover for their needs.

We don’t provide our own policies or underwrite them. It’s the insurers who do that. And because they also take on the risk of you having to make a claim on your policy, it’s the insurers who pay all the costs to settle claims.

We’re the helpful middleman in all this, providing an expert guiding hand throughout. We listen to what customers want, advise them where required, and match them with the most appropriate insurer and policy for their risks.

We represent your interests when it comes to claims too. You’re our customer, so where allowed, we’ll liaise with the insurer on your behalf to secure you the best possible outcome.

Are all insurance brokers the same?

In some respects, yes. We all help our customers get insurance.

In the UK, we’re regulated by the Financial Conduct Authority (FCA), so have strict guidelines for how we do business – most importantly, ‘treating the customer fairly’.

But in others, no.

Some, but not all, brokers are authorised by the FCA to offer ‘advised sales’. Like us.

It means we can use our expertise to advise customers about their insurance. We can offer guidance and help them find cover that’s right for them.

So you can be sure:

• we know our stuff
• we always put our customers’ best interests first – not the insurer’s.
• we play by FCA rules.

How do we help customers with their insurance?

• Buying a policy

  We partner with a wide range of trusted insurers that offer a variety of cover. And we use our expertise to match customers with a policy and provider that fits them best.

  You can buy cover with us quickly and easily online by answering a sequence of guided questions about your business or organisation. Our clever custom-built technology then works its magic by analysing the answers and identifying the best policy for you from the most suitable provider.

  But we also realise that insurance can be confusing. That you might not have all the info you need. And that not everyone’s needs are straightforward.

  So if you’re getting stuck online, or your risks are a bit more complicated, we have experts ready to advise you. They’ll answer your questions, approach different insurers for you with any special requirements, and make sure you get a tailored policy that does everything you need it to.

• Keeping your insurance current

  Our commitment to our customers goes much further than simply finding them the right policy. It’s ongoing. So you can always contact us at any point for advice, guidance, and support. Or if you need to make changes to your cover.

  We’ll handle annual renewals too, making sure your cover is continuous and always protecting you.

  Plus, you get access to a personal 24/7 online account. Depending on your policy, you can use it to do things like change details, add cover, read your policy documents, check payments, renew your policy, and more. Anytime.

• Handling claims

  Claims can be stressful, complex, and time-consuming. However, the good news is that most of the insurers we work with allow our dedicated claims team to liaise with them on your behalf.

  That means we’re right by your side throughout, helping to put your mind at rest, and ensuring everything goes as smoothly as possible.

  As a broker, we work for you, not your insurer. So if it comes to it, we’ll fight your corner for you. Plus, we’ll always keep you in the loop, making sure you’re up to date on what’s happening.

What makes us a good broker?

We know insurance can be a minefield of technical terminology and jargon. So we make a point of talking, writing, and explaining in plain English. That way our customers have the best chance of understanding how insurance works and making informed choices.

We also know anyone running a business has better things to do than spend hours sorting out a policy. So we make it as simple, straightforward, and painless as possible, with documents pinged straight to your inbox.

Our friendly advisers are specialists in what they do and can advise you on all aspects of your insurance. Plus we dislike faceless call centres and irritating phone menus as much as the next person. So instead, we have real people answering the phone, ready to help.

We’re transparent in everything we do, so that means you get a fair price with no hidden extras. Unlike many other insurance companies, we don’t even charge admin fees.

Plus we understand that paying for your insurance in one go can be a challenge when cashflow is tight. That’s why in most cases you’ll be able to pay in interest-free instalments.

At the end of the day, for us it’s all about you – the customer. And protecting your business. That’s why we go the extra distance to get you what you need.