Charities & Care

Societal change brings new and enhanced challenges to the charity and care sectors, requiring specialist insurance advice.

Employee Benefits

In today’s competitive employment market a well-designed benefits package is essential to attract, retain and reward high quality talent.  We focus on designing attractive benefit plans which enable your business to offer market leading solutions.

Global Programs

Experience in arranging global programmes, and mature relationships around the world, are an essential of insuring the modern business.

Tech & Innovation

We have developed a flexible ‘full service’ proposition for today’s technology businesses, and commit to continually innovating our solutions for our clients’ evolving needs.

Personal Insurance

If your personal insurance needs are high value and complex then only a bespoke arrangement with a specialist will suit.

Travel Insurance

Most people buy annual family travel policies instead of the expensive and inflexible single trip policy. Many home policies will offer an option for travel insurance, and these are often well worth exploring.

The most common pitfall is a pre existing medical condition invalidating cover, however there are many other potential areas of confusion such as trip length limitations, hazardous activity exclusions, or children’s birthdays at 18 taking them out of cover on an annual policy.
Paul Dickson

Travel insurance is fundamentally straightforward but as with most things you do get what you pay for.

Cheaper policies may well exclude a range of pre-existing medical conditions and prevent you from claiming. They may well contain very low limits for items such as cameras, and some have age restrictions that might be overlooked.

One of the real concerns with restrictions in any policy bought directly from an insurer, online or otherwise, is that the terms are normal and other insurers would not offer anything different. This is sadly, not the case, for the buyer who relies on the first policy they end up buying. No different in effect to buying a car. Would you buy the first one you saw?