Cover

Four kinds of cover, and what they leave out.

Every quote comes with a short note of what the policy does not cover, in the same size print as what it does.

A red-brick Georgian house with a green front door

Home and contents

Usually covered
Fire, flood, storm, theft
Escape of water
Alternative accommodation
Often left out
Gradual leaks and damp
Unlocked-door theft
Wear and tear
An orange hatchback on a block-paved drive

Car

Usually covered
Accident, fire and theft
Windscreen
A courtesy car
Often left out
Driving other cars
Personal belongings
Keys, unless added
A boutique owner checking stock on a tablet between rails

Shop and business

Usually covered
Stock and equipment
Public liability
Loss of income after a claim
Often left out
Stock left in a vehicle
Cyber, unless added
Staff not declared
A red-brick bungalow with a lawn

Landlord

Usually covered
Buildings and your contents
Loss of rent
Property owner’s liability
Often left out
Malicious damage by tenants
Empty for over 30 days
Unapproved works
A broker on the phone at his desk with papers
Why use a broker

Three things a comparison site cannot do.

1
Read the small print for youAnd tell you in a sentence what would not be paid.
2
Argue your corner at claim timeWe deal with the insurer, the adjuster and the paperwork.
3
Look again every renewalSo loyalty does not quietly cost you more each year.
Common questions

What is covered

We review the sums insured with you rather than rolling last year's forward.

Often, and where we cannot we will tell you to stay put.

The exclusions are read to you before you buy, not after you claim.
Getting a quote

Three steps, one working day.

01

Tell us what you have

The form, a call, or last year’s renewal letter by email.

02

We compare

The insurers we trust for your kind of risk, not the ones that pay most.

03

You choose

Two or three options with what each leaves out, and our fee in writing.

Quotes

A quote the same working day.

Tell us what you want covered and when it renews. We come back with the options, what each one leaves out, and our fee in writing.

Get a quote

Send last year’s renewal letter if you have it. It saves us both a phone call.