No, we are not underwriters; we are insurance providers. We have been appointed by our insurers to insure you on their behalf. But ultimately the insurance premiums are paid through to our insurers, and your claims are paid by them.

That's why we have chosen world-class insurance partners to make sure that we are offering you the best level of cover, so you can be assured that your claims will be paid when you need them to be.

Our role is to help you buy your insurance, and help you manage it going forward by answering any questions you may have.