Frequently Asked Questions

We arrange general insurance products — health, life, car, travel, home and PawSafi pet insurance — plus specialist products including commercial, aviation, marine, energy and special risk insurance. If you have an unusual or difficult-to-insure risk, our Lloyd’s broker relationships let us place it in the London market.

A broker works for you, not the insurance company. We compare options across multiple insurers, negotiate better terms and pricing, explain policy conditions in plain language, and — most importantly — advocate for you when you claim. You pay nothing extra for this independent advice.

Start with a conversation about what you need to protect — your health, family, car, home or business. Our brokers will assess your risks, explain your options across insurers, and recommend cover that fits your needs and budget. Request a free quote and we will guide you through it.

Report the incident to us as soon as possible and our claims team takes over: we help you complete the paperwork correctly, submit it to the insurer, follow up on assessment, and keep pushing until settlement. You get a dedicated contact and regular updates throughout.

Premiums depend on the risk being insured — factors like the value of the asset, your claims history, location, coverage limits and excess chosen. Because we compare multiple insurers, we can often find the same cover at a better price, or better cover at the same price.

Yes — that is exactly what we specialise in. Fred Black partners with A-Rated London-based insurers and Lloyd’s brokers, so we can place risks that local insurers decline: aviation, marine, energy, political risk, terrorism, and other special risks.

Yes. We arrange individual and family medical cover, options for older customers, chronic-condition cover where available, maternity benefits, and corporate group schemes for businesses and their employees — including international health insurance for expatriates and frequent travellers.

International health insurance covers medical treatment across multiple countries — ideal for expatriates, frequent business travellers, students abroad and families who want access to hospitals worldwide. We place plans with leading international insurers through our global partnerships.

Simple covers like car and travel insurance can often be arranged the same day — certificates are issued electronically. Health and commercial covers take a little longer depending on insurer underwriting, but we manage the entire process and keep you informed at every step.

We review your policy before every renewal, compare it against current market options, and let you know of any changes in terms or pricing. You will never be silently auto-renewed into worse cover — that is part of the independent broker promise.

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Insurance Products

01. What types of insurance do you offer?

02. Why should I use a broker instead of going directly to an insurer?

03. How do I choose the right insurance plan?

04. How does the claims process work?

05. How are insurance premiums calculated?

06. Can you help with complex or unusual insurance needs?

07. Do you offer health insurance for families and older customers?

08. What is international health insurance?

09. How quickly can I get cover in place?

10. What happens at renewal time?

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Insurance Products