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Mon–Fri 8:30–17:30, claims line 24 hours (sample)

About us

An independent insurance broker on Elm Row, Springfield (sample): seven people, a panel of insurers and one adviser for each client.

A child's hands and an adult's hands holding a small wooden model house

A broker works for you

We started Harbourline (sample) in 2009 after years of working for insurers. We wanted to sit on the other side of the desk: to read the policy with the client, and to be there when they claim.

Today seven advisers look after households, landlords and small businesses across the county (sample). Most of our new clients come because a neighbour sent them.

Who we work for

You, not one insurer

How we are paid

Commission from the insurer, told to you first

Who regulates us

The national insurance regulator (sample)

The year with us

A policy runs for twelve months. The ring shows when you hear from your adviser: the gold part is the time up to that month.

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.

Month
12

Renewal day

Your new policy starts.

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.

An adviser going through documents with an older couple in a bright office

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.

Papers, a laptop and a pen on a wooden meeting table during a discussion

2

We compare insurers

We ask several insurers on our panel and explain the differences in cover, excesses and exclusions, not only the price.

Two men talking across a desk with a laptop in a sunny office

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.

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.

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.

Demo photos from Pexels by Ron Lach, Vidal Balielo Jr., Atlantic Ambience, Kampus Production, Mikhail Nilov, RDNE Stock project, Sedanur Kunuk, Mix and Match Studio, Kindel Media. The theme download contains placeholder pictures, not these photos.