Ancillary Personal Lines

As an expert in providing capacity, and bringing insurance products, providers and distributors together, we recognise a growing need for underwriting that is flexible and adaptable to support your desire to grow additional revenue whilst strengthening your existing portfolio.

Our key differentiator is that we are a £1bn turnover, family-run business. With no external shareholders, we focus on long-term legacy, not stock market cycles. This allows us to invest in our clients for the long-term resulting in decades-long relationships with many.

Agile and responsive

Partnership-led approach

UK authorised and regulated

Agile and responsive

As an innovative and family-run company, we have the speed and commercial awareness that bigger organisations struggle to match. We’re able to act quickly to come up with innovative solutions that deliver on your requirements.

Partnership-led approach

We understand it’s important to give your customers the right products that are relevant to them, so we approach it as a partnership, tailoring seamless insurance solutions that meet your customers’ individual needs while also complementing and diversifying your existing portfolio.

UK authorised and regulated

We think the current regulatory environment leads to better outcomes for customers, longer-lasting income streams and firmer foundations for growth, so it’s something we positively embrace. We support our partners and manage our relationships for commercial success and regulatory efficiency through structured engagement and sharing of data. Our UK insurance company is authorised by the PRA and regulated by the FCA and PRA. We also own a licenced insurer in the EU, which allows us to support a European portfolio alongside a UK portfolio.

Our Solution

SmartDelay can make a difference your customers will remember by providing a real time benefit at their point of need.

Our solutions

We have underwriting and technical expertise across a range of ancillary and niche personal line products, including home emergency, motor breakdown, gadget, mobile phone, CDW, excess protection, event cancellation, warranty and more. We also know that your customers expect the highest quality service, so we’ve selected a small panel of specialist claims and assistance companies to help us deliver just that.