Coverage that actually protects.

Call your dedicated agent directly or submit a claim through our online form. Most claims are acknowledged within 30 minutes and assigned a handler the same day. We keep you updated at every step — no chasing required.

Our average settlement time is 3.4 days. Straightforward claims (like windscreen or lost items) are often settled same-day. Larger claims involving surveys or repairs typically take 5–10 working days.

Not automatically. We assess each case individually. For minor claims where you're not at fault, your premium typically stays the same. We'll always be upfront about any impact before you proceed.

None. The price we quote is the price you pay — no admin fees, no setup charges, no mid-term adjustment costs. We break down every penny of your premium so you know exactly what you're paying for.

We don't do the industry trick of hiking your price at renewal and hoping you won't notice. Your renewal quote is based on the same fair pricing as a new customer. We'll contact you 30 days before with your options.

Yes, and there's no interest or credit charges for monthly payments. You can also choose to pay annually if you prefer — but there's no discount pressure either way. Same price, your choice.

Yes, at any time. Need to increase your contents cover after buying new furniture? Want to add a named driver? Just call your agent or let us know online — changes take effect immediately with no admin fee.

We believe in clarity, not fine print. Every policy comes with a plain-English summary of what's covered and what isn't. The main exclusions (like wear and tear, or intentional damage) are highlighted upfront before you buy.

For health policies, we assess pre-existing conditions on a case-by-case basis. Many conditions are covered after a qualifying period. Your agent will walk you through exactly what applies to your situation — no surprises after you've signed up.