Private Individuals

We offer a carefully selected range of insurance solutions designed to safeguard you, your loved ones and your personal assets against life’s unexpected events.

If you are looking for a specific type of coverage not listed on our site, we encourage you to contact us directly. As a trusted member of BIBA, we have access to a wide variety of insurance products from respected, reputable providers.

Have you considered how you would manage financially if an accident or illness left you unable to work? For many, statutory sick pay may not be enough to cover essential expenses during recovery.

Whether you’re facing a temporary setback, or a life-changing injury, having the right protection in place can make all the difference. A lump sum benefit could help with medical needs such as reconstructive surgery, or practical adjustments like adapting your home after a serious injury.

Personal Accident and Illness Insurance is there to help you focus on recovery without added financial stress.

Whether you enjoy a cruise, cross-country road trips, or travel for events and professional engagements abroad, we’re here to support you with tailored travel insurance.

Our policies offer a wide range of benefits including cover for pre-existing medical conditions, no upper age limits*, and options for those travelling to high-risk or frontline locations. For those travelling with their own vehicle, we offer European breakdown cover as a valuable add-on.

We have options to add gadget cover and golf equipment, and extend cover for those taking part in winter sports. Cruise cover is either included as standard or as an optional extra, and we can also provide up to £20,000 of cancellation cover.

*depending on the level of cover required