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Forum Insurance Personal Forum Insurance Private

Personal insurance
with nothing left to chance.

From home and motor to health, travel and life — we arrange personal insurance that's genuinely tailored to you. Not a price comparison result. Not a call centre policy. Cover arranged by a broker who takes the time to understand what you actually need.

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35 years trading 3,000+ clients 94% retention rate Hiscox & Chubb panel

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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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Not found on comparison sites

The insurers we access for high-value homes, private motor and bespoke personal cover are not available on comparison sites. They require a specialist broker to access them — and the cover they offer is significantly broader.

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One broker. Total discretion.

Your dedicated broker handles all your personal insurance — home, motor, 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 claim — from first notification through to a settlement that properly reflects your loss.

Our Personal Cover

Everything you need,
nothing you don't

We place personal insurance across the full range — from a single home policy to a comprehensive private client programme covering all your assets.

Property & Assets

Protecting what you own

High-Value Home InsuranceSpecialist

For properties above £500,000 rebuild value where standard home insurance policies won't provide adequate cover. Bespoke terms from specialist HNW insurers including Hiscox, Chubb and Zurich Private Clients.

Standard Home Insurance

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.

High-Value Contents & ValuablesSpecialist

Art, jewellery, watches, wine collections and other high-value items that standard contents policies won't cover adequately. Individual item valuations and all-risks cover arranged.

Private Motor Insurance

From everyday cars to prestige, classic and performance vehicles. We access specialist motor insurers with agreed value cover, limited mileage options and appropriate cover for high-value vehicles.

Holiday Home & Second Property

UK and overseas holiday homes, unoccupied properties and second residences. Standard home policies routinely exclude these — specialist cover is essential.

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.

Private Client Service

For those who expect
nothing left to chance.

Our private client service is for individuals and families with complex or high-value insurance needs — multiple properties, prestige vehicles, significant art or jewellery collections, and international assets.

We arrange a comprehensive personal insurance programme that covers everything in a single, coordinated review — ensuring no gaps between policies and no duplication of cover. Your programme is reviewed annually and updated as your circumstances change.

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What's Included

A full private client
programme covers

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All properties — primary, secondary, overseas

Every property you own, coordinated under one broker relationship.

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All vehicles — prestige, classic, everyday

Agreed value cover and appropriate terms for each vehicle in your collection.

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Valuables — art, jewellery, watches, wine

Individual item scheduling with specialist all-risks cover worldwide.

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Personal liability

Worldwide personal liability cover for you and your family — often overlooked and rarely included in standard policies.

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Health, life and income protection

Coordinated with your asset cover to create a complete financial protection plan.

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Annual review — proactive, not reactive

We contact you before renewal to review your programme — not just to renew it.

Why Forum Insurance

Why individuals choose us
over comparison sites

01

Access to markets you can't reach alone

Hiscox, Chubb and specialist HNW insurers are only accessible through a broker. Their policy wordings are significantly broader than standard home insurance — better new-for-old terms, wider accidental damage, higher liability limits, and genuine all-risks cover for valuables.

02

Correct sums insured from the start

Most home insurance buyers are underinsured — often significantly. Rebuild costs, contents values and individual item values are routinely understated. We review these properly and ensure your cover matches your actual exposure 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 as a single programme. One call, one renewal, and the assurance that everything works together rather than leaving gaps between policies.

04

Claim support when it matters most

When you have a significant personal claim — a fire, a theft, a medical emergency — the last thing you want is a call centre. Your dedicated broker handles it from day one, managing the insurer on your behalf and ensuring you receive a settlement that fully reflects your loss.

Common Questions

Personal insurance FAQs

For a straightforward property of modest value, a comparison site can work. But for anything above £500,000 rebuild value, a home with a thatched roof, listed building status, non-standard construction, or significant contents — comparison sites will either fail to quote accurately or place you with a standard insurer whose policy wording won't adequately cover your home. The specialist HNW insurers with genuinely superior cover aren't on comparison sites at all.
The most common cause of underinsurance is using an outdated or inaccurate rebuild value. The rebuild cost of a property (what it would cost to demolish and rebuild from scratch) is often significantly different from its market value — and it changes as building costs rise. Contents underinsurance is equally common, particularly where valuables, collections, or high-value items haven't been individually scheduled. 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 rather than simply recommending the policy that pays us the most commission.
Yes. High-value jewellery, watches and collections are typically excluded from or severely limited under standard home insurance — most policies have single-item limits of £1,500–£2,500 and a total valuables limit. We arrange specialist all-risks cover that schedules each item individually (usually based on a recent valuation or purchase receipt), with worldwide cover included as standard. This is essential protection that standard policies simply don't provide.
Yes. Classic, prestige and performance vehicles require specialist motor insurance — standard policies use market value which depreciates over time, whereas agreed value policies fix the insured amount so you know exactly what you'd receive in the event of a total loss. We access specialist motor insurers who understand the classic car market and can offer appropriate terms including limited mileage discounts and coverage for vehicles kept in collections.

Rather talk it through first?

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

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Personal insurance
done properly.

Tell us what you need and a personal lines specialist will call you back within the hour. No automated quotes — a real conversation with a broker who takes the time to get it right.

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