Protection
You Can Count On

You'll typically need your vehicle logbook (registration certificate), a copy of your national ID or passport, your driver's licence, and recent passport-size photos. For commercial vehicles, additional documents such as a PSV licence may be required.

Third-party cover is the legal minimum — it pays for damage or injury you cause to others but not your own vehicle. Comprehensive cover also protects your own vehicle against accident, fire, and theft, making it the better option for newer or higher-value cars.

Coverage for pre-existing conditions varies by insurer and plan. Some policies offer cover after a waiting period, while others may exclude certain conditions. We work with multiple insurers and can help you find a plan that provides the most appropriate cover for your situation.

Yes. Most medical policies allow you to add a spouse and children as dependants. Corporate group schemes can also be extended to cover employees' immediate families. We'll help you compare family plans to find the best value for your household.

Settlement timelines depend on the type and complexity of the claim. Simple motor claims can be resolved within 7–14 days once all documents are submitted. More complex claims such as fire or liability may take longer. We manage the process on your behalf and keep you updated throughout.

Notify us as soon as possible — do not wait. For motor accidents, file a police abstract within 24 hours. Take photos of the scene and any damage, gather witness contacts if available, and avoid admitting liability. We'll guide you through the next steps from there.

Yes, in many cases. Insurers assess risk individually, and some conditions may result in a loading (higher premium) rather than outright exclusion. We'll present your case to multiple underwriters to find the most competitive and fair terms available to you.

Your pension contributions belong to you. If you change employers, your accumulated benefits can be transferred to a new scheme, preserved in your current fund, or moved to a personal pension plan. We can advise you on the most tax-efficient option for your circumstances.

Your property should be insured for its full reinstatement value — the cost to rebuild or replace it at current market rates, not its market selling price. Underinsuring can result in proportional claim reductions. We recommend a professional valuation every few years to keep your cover accurate.

Standard domestic policies cover the structure and general contents. Electronics, jewellery, and high-value items may need to be specifically listed on an all-risks extension for full cover. We'll help you structure your policy so nothing important is left out.

Even when your supplier handles shipping, the risk of loss or damage may transfer to you at a certain point (e.g. when goods leave the warehouse). Having your own marine cargo policy ensures you have direct control over claims and are not dependent on your supplier's insurer.

Business interruption insurance replaces lost revenue and covers ongoing fixed costs (rent, salaries, loan repayments) during the period your business cannot operate following an insured event such as fire or flood. It bridges the gap until your operations are fully restored.