What the excess on your policy really means
The excess is the part of each claim you pay yourself. How it works, and why a higher one is not always…
Cover that fits the life you have
Harbourline Insurance Brokers (sample) compare home, car, travel, life and business cover from several insurers, explain it in plain words and stay with you when you claim.
Get a quote in one conversation
Tell us what you want to cover and when your current policy ends. An adviser calls you back within a working day.
How we arrange your cover
An independent broker works for you, not for one insurer. Three steps, and the same adviser in all of them.
1
Tell us what you have
A call or a meeting of about half an hour: your home, car, trips, family or business, and the cover you hold now.
2
We compare insurers
We ask several insurers on our panel and explain the differences in cover, excesses and exclusions, not only the price.
3
We stay for claims
When something goes wrong you call your adviser, not a queue. We help with the forms and follow the claim up.
Why talk to a broker
Cover matters on the day you need it
A policy is a promise written in small print. We read it with you before you buy, so you know what is covered, what is not and what you pay towards a claim.
12
Insurers on our panel (sample)
24 h
Claims line, every day (sample)
30 days
Renewal notice before your policy ends
1
Named adviser for each client
Cover we arrange
Six kinds of cover for households and small businesses. Each one starts with a conversation about what you actually have.
Business
Liability, premises, stock and equipment for shops, trades, studios and small offices.
Home and contents
Buildings, contents or both, with cover for accidental damage and things you take out of the house.
Car
Comprehensive or third party, named drivers, a courtesy car and breakdown cover if you want it.
Life and family
Life cover, critical illness and income protection, explained in plain words before you choose.
Travel
Single trips or a year of trips, with medical cover that fits where you go and what you do.
Landlord
Buildings, rent and liability cover for one let flat or a handful of properties.
Who we are
A team of seven brokers in an office on Elm Row (sample), arranging cover for local families and businesses since 2009 (sample).
We are not tied to one insurer. We are paid a commission by the insurer you choose, and we tell you how much before you buy. Through the year we keep in touch at three fixed points:
Month
1
Welcome call
We check the documents with you.
Month
6
Mid-year check
Anything new to cover?
Month
11
Renewal review
A month before it ends.
When the kitchen flooded, I rang Ruth, not a call centre. She knew our policy and told us exactly what to photograph before the plumber came.
Sample client, home insurance
Your advisers
You get one named adviser who knows your policies. These are three of the seven people in the office (sample).
Alma Moreno
Personal cover adviser (sample)
Home, car and travel. Ask her about older houses and young drivers.
Daniel Kerr
Business cover adviser (sample)
Shops, trades and small offices, and landlords with a few properties.
Ruth Osei
Life and claims adviser (sample)
Life cover and income protection, and the person who follows your claim up.
From the blog
Short, plain notes on cover, claims and renewals, written by the advisers.
Five things to photograph before you need to claim
Ten minutes with your phone now saves hours after a burglary or a flood (sample).
Travel cover and medical conditions: declare, do not guess
Why the medical questions matter, and what happens if one is answered wrongly (sample).
Talk to an adviser
Call the office, write to us or come in. For a claim, use the claims line at any hour.
Office
Claims line, 24 hours (sample)
Office hours (sample)
Mon–Fri 8:30–17:30
14 Elm Row, Springfield