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Forum Insurance Personal

Personal insurance
tailored to you.

Car, home, travel, health and life insurance — arranged by a specialist broker who takes the time to understand what you actually need. Not a comparison site result. Not a call centre policy. Proper cover, properly arranged.

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35 years trading 2,379 clients ~90% retention rate Leading insurer panel

Get a personal insurance quote

Tell us what you need — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).

Personal insurance specialists · Mon–Fri 9:00–18:00

Our Insurers

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier
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Better than a comparison site

Comparison sites show the cheapest price, not the best cover. We review your actual needs — rebuild values, contents sums, policy conditions — and find a policy that genuinely fits.

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One broker. Everything covered.

Your dedicated broker handles all your personal insurance — home, car, health, travel — as a single relationship. Everything is reviewed together at renewal. Nothing falls through the gaps.

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Genuine advocacy at claim time

When you need to claim, you don't call a call centre. You call your broker. We manage the entire process — from first notification through to a settlement that properly reflects your loss.

Our Personal Cover

Everything you need,
nothing you don't

We arrange personal insurance across the full range — car, home, travel, health and life. Cover that's properly reviewed, not just the cheapest quote.

Property & Assets

Protecting what you own

Home InsurancePopular

Buildings and contents insurance for owner-occupiers. We review your rebuild value, contents sum and policy conditions to ensure cover is correct — not just the cheapest quote.

Car Insurance

Comprehensive motor insurance tailored to your needs. We compare across leading insurers to find the right cover at the right price — whether you're a new driver, experienced motorist, or have a multi-car household.

Contents Insurance

Protect your belongings against theft, fire and accidental damage. We ensure your contents sum is accurate and your policy conditions are fair — avoiding the underinsurance traps that catch many homeowners.

Personal Liability

Cover for your legal liability to third parties for injury or property damage. Often included within home insurance but worth reviewing to ensure the limit is adequate for your circumstances.

Health, Life & Travel

Protecting yourself

Private Medical InsurancePopular

Access to private hospitals and consultants without NHS waiting lists. We compare plans across the major providers — Bupa, AXA Health, Vitality and others — to find the right balance of cover and premium.

Life Insurance

Term assurance and whole of life policies to protect your family's financial security. We review your needs — mortgage, income protection, estate planning — and recommend the right structure.

Critical Illness Cover

A lump sum payment if you're diagnosed with a serious illness — cancer, heart attack, stroke and many others. Gives you financial freedom to focus on recovery rather than finances.

Income Protection

Replaces a proportion of your income if you're unable to work due to illness or injury. Essential for the self-employed and anyone whose financial commitments depend on their ability to earn.

Travel Insurance

Annual multi-trip and single-trip policies including medical cover, cancellation and high-value baggage. We arrange specialist cover for frequent travellers, winter sports and adventurous activities.

Specialist Cover

Explore our dedicated
personal insurance guides

High Value Home → Health Insurance → Travel Insurance → Life & Critical Illness → Total Loss Protection →

Looking for cover for high-value property, fine art, or collections?

Visit our Private Clients page for bespoke HNW and UHNW insurance — prestige motor, jewellery, overseas properties and more.

Private Clients →
Why Forum Insurance

Why individuals choose us
over comparison sites

01

Access to better insurers

We work with leading insurers who offer broader policy wordings than what you'll find on comparison sites — better new-for-old terms, wider accidental damage cover, and fairer claims handling.

02

Correct sums insured from the start

Most home insurance buyers are underinsured — often significantly. Rebuild costs and contents values are routinely understated. We review these properly so your cover matches your actual needs before a claim reveals the gap.

03

One adviser. Everything covered.

Rather than managing multiple comparison site policies at different renewals, we handle all your personal cover together. One call, one renewal, and the assurance that everything works without gaps between policies.

04

Claim support when it matters most

When you have a personal claim — a fire, a theft, a medical issue — the last thing you want is a call centre. Your broker handles it from day one, managing the insurer on your behalf and ensuring a fair settlement.

Common Questions

Personal insurance FAQs

Comparison sites show you the cheapest policies, not necessarily the right ones. A broker reviews your actual needs — rebuild values, contents sums, policy conditions — and finds cover that genuinely fits. We also handle claims on your behalf, which a comparison site will never do.
The most common cause of underinsurance is using an outdated or inaccurate rebuild value. The rebuild cost of a property is often significantly different from its market value — and it changes as building costs rise. Contents underinsurance is equally common. We review both as part of arranging your cover.
Private medical insurance gives you access to private hospitals and specialist consultants, typically with much shorter waiting times than the NHS. For non-emergency diagnosis and treatment, it can make a significant difference to speed, quality of care and choice of facility. Whether it's worth it depends on your circumstances, existing health and budget. We'll give you an honest comparison across providers.
Yes. We arrange life insurance, critical illness cover and income protection tailored to your circumstances — whether you need mortgage protection, family income benefit, or cover for self-employment. We compare across the major providers to find the right balance of cover and cost.
Yes. We arrange annual multi-trip and single-trip policies including medical cover, cancellation and baggage protection. We can also arrange cover for winter sports, adventure activities and pre-existing medical conditions that standard policies often exclude.

Rather talk it through first?

Book a free 30-minute call with our Personal Lines Adviser — no prep needed, no obligation.

Book a Call with a Personal Lines Adviser Call 0208 909 2899
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