Tel: 0845 095 1355
About Us
Who are you?
Protect my Pad are an insurance broker who specialise in Buildings and Contents (Home) Insurance, Accident, Sickness & Unemployment / Income Protection Insurance and Non Standard Home Insurance. These products are classed as “General Insurance” policies.
What makes you different from the rest?
Unlike many brokers, who rely on Life insurance, Commercial insurance or Life assurance to maintain their profits, we don’t consider Home Insurance or Income Protection to be an insurance “after-thought”. General Insurance products are our lifeblood and as such our knowledge of these products are vital to our success. Buying General Insurance from someone who specialises in other areas can be a bit like buying flowers from a petrol station: you’ll get what you want, they’ll do a decent job but if you’d put more thought into the purchase, you might have got a better product for the same price.
What will you do for me?
Quite simply, we will find you the perfect policy for you, your family and your home. We cannot guarantee to find you the cheapest policy, but we will always find you the best one. It can be a bit of a battle to find insurance but let us assure you that we are on your side- not the insurers.
So that means you’ll be expensive then?
There are a lot of things that the following statement can be applied to, and insurance is one of them- cheapest isn’t (usually) best. This statement is pretty obvious when you think about it. For example, you could add on every available additional coverage to your policy which would obviously mean it’s better, but more expensive. But this doesn’t mean it’s what you need.
But let’s consider two policies which offer exactly the same amount of cover. The best policy is the cheapest one, right?
Not necessarily.
The best way to describe this is to picture in your mind a trip to your local supermarket. You are shopping for a tin of baked beans. You are given two options; the market leading brand or the supermarket’s own brand. How do you choose which one to buy? Both tins are almost exactly the same; they contain food which means your hunger will be fulfilled. They both contain the same kind of food. The only two main differences are quality and price.
Now, you may not be able to afford the market-leading brand, therefore you will be forced to buy the supermarket own brand. This is totally acceptable and a legitimate reason for hunting for the market’s cheapest product.
However, if you can afford either you therefore must think not in terms of “which one is cheaper?” but “which one represents best value for me?”.
So what does beans have to do with insurance?
Price Comparison websites spend a lot of money advertising their products and services, all with the promise of saving you money and finding you the cheapest policy. To deliver on their promise, they often resort to comparing the prices of the lower quality insurance products out there. It’s a bit like asking someone to find the cheapest tin of beans on your behalf. The first thing they would do is scour all of the UK’s supermarkets, looking at all of their own-brand baked beans. In doing so, they have failed to consider:
-Do you need or want a higher quality product
-Do you need advice on the best product for you
Yes- they will be able to find you beans (or insurance) at a cheap price, but with no consideration as to whether you are getting the best value for money for you and your property’s needs.
So again- what will you do for me?
Before shopping around for you, we’ll take a bit of time to discuss you, your family and your home’s needs. We’ll find out exactly what it is you’re looking to achieve whilst keeping your budget firmly in mind. We’ll then review what’s on offer to you from a comprehensive panel of insurers. Think of us as an insurance comparison company, but with advice thrown in for free. On your behalf, we will consider:
-The amount of cover
-The quality of the insurer
-The quality of the policy
So you can rest assured that we won’t be introducing you to companies who have poor records of paying out on claims. Trust us- this is good news for you:
Why save a few pounds per month if you run the risk of dealing with an unhelpful company during your time of need?
How much do you charge?
Nothing at all. Your insurer will pay us for placing your business with them. That’s not to say we’re loyal to any particular insurers. Insurers generally pay us similar levels of commission. Please feel free to ask us about any commission we earn of have earned from your policies- we’ve nothing to hide!
Protect my Pad’s mission statement:
1. We will provide unbiased, open and honest advice
2. Whether we do business together or not, you’ll know what our recommendations are and why we’ve made them
3. Giving you free advice, forever
Protect my Pad are an insurance broker who specialise in Buildings and Contents (Home) Insurance, Accident, Sickness & Unemployment / Income Protection Insurance and Non Standard Home Insurance. These products are classed as “General Insurance” policies.
What makes you different from the rest?
Unlike many brokers, who rely on Life insurance, Commercial insurance or Life assurance to maintain their profits, we don’t consider Home Insurance or Income Protection to be an insurance “after-thought”. General Insurance products are our lifeblood and as such our knowledge of these products are vital to our success. Buying General Insurance from someone who specialises in other areas can be a bit like buying flowers from a petrol station: you’ll get what you want, they’ll do a decent job but if you’d put more thought into the purchase, you might have got a better product for the same price.
What will you do for me?
Quite simply, we will find you the perfect policy for you, your family and your home. We cannot guarantee to find you the cheapest policy, but we will always find you the best one. It can be a bit of a battle to find insurance but let us assure you that we are on your side- not the insurers.
So that means you’ll be expensive then?
There are a lot of things that the following statement can be applied to, and insurance is one of them- cheapest isn’t (usually) best. This statement is pretty obvious when you think about it. For example, you could add on every available additional coverage to your policy which would obviously mean it’s better, but more expensive. But this doesn’t mean it’s what you need.
But let’s consider two policies which offer exactly the same amount of cover. The best policy is the cheapest one, right?
Not necessarily.
The best way to describe this is to picture in your mind a trip to your local supermarket. You are shopping for a tin of baked beans. You are given two options; the market leading brand or the supermarket’s own brand. How do you choose which one to buy? Both tins are almost exactly the same; they contain food which means your hunger will be fulfilled. They both contain the same kind of food. The only two main differences are quality and price.
Now, you may not be able to afford the market-leading brand, therefore you will be forced to buy the supermarket own brand. This is totally acceptable and a legitimate reason for hunting for the market’s cheapest product.
However, if you can afford either you therefore must think not in terms of “which one is cheaper?” but “which one represents best value for me?”.
So what does beans have to do with insurance?
Price Comparison websites spend a lot of money advertising their products and services, all with the promise of saving you money and finding you the cheapest policy. To deliver on their promise, they often resort to comparing the prices of the lower quality insurance products out there. It’s a bit like asking someone to find the cheapest tin of beans on your behalf. The first thing they would do is scour all of the UK’s supermarkets, looking at all of their own-brand baked beans. In doing so, they have failed to consider:
-Do you need or want a higher quality product
-Do you need advice on the best product for you
Yes- they will be able to find you beans (or insurance) at a cheap price, but with no consideration as to whether you are getting the best value for money for you and your property’s needs.
So again- what will you do for me?
Before shopping around for you, we’ll take a bit of time to discuss you, your family and your home’s needs. We’ll find out exactly what it is you’re looking to achieve whilst keeping your budget firmly in mind. We’ll then review what’s on offer to you from a comprehensive panel of insurers. Think of us as an insurance comparison company, but with advice thrown in for free. On your behalf, we will consider:
-The amount of cover
-The quality of the insurer
-The quality of the policy
So you can rest assured that we won’t be introducing you to companies who have poor records of paying out on claims. Trust us- this is good news for you:
Why save a few pounds per month if you run the risk of dealing with an unhelpful company during your time of need?
How much do you charge?
Nothing at all. Your insurer will pay us for placing your business with them. That’s not to say we’re loyal to any particular insurers. Insurers generally pay us similar levels of commission. Please feel free to ask us about any commission we earn of have earned from your policies- we’ve nothing to hide!
Protect my Pad’s mission statement:
1. We will provide unbiased, open and honest advice
2. Whether we do business together or not, you’ll know what our recommendations are and why we’ve made them
3. Giving you free advice, forever
Protect my Pad is an appointed representative of Julian Harris Mortgages Ltd which is authorised and regulated by the Financial Services Authority. Julian Harris Mortgage Ltd’s FSA Register number is 304155. You can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234