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Discover Covéa Insurance – your trusted UK insurer. Partner with us for expertise, award-winning claims services, and local support. Make A Claim Contact Us Document Library Update MID The Institute of Customer Service (ICS) has independently awarded us the ServiceMark with Distinction - their highest accolade. YOUR TRUSTED INSURER OF CHOICE. Welcome to Covéa Insurance, where together, we achieve more. STABLE OUTLOOK IMPORTANT SERVICE UPDATE!! Some of our phone lines remain temporarily unavailable due to an unexpected system issue.We are actively working to restore full service as quickly as possible and apologise for any inconvenience caused. In the meantime, please call 0330 221 0444 and follow the options to be directed to the appropriate team.Or alternatively email, and we will review promptly. We will continue to provide updates as further information becomes available and thank you for your patience and understanding. News & Updates Chief Operating Officer Appointment Covéa Insurance Covéa Insurance has announced the appointment of Stephen Long as Chief Operating Officer (COO), following unanimous support from the company’s Board. Stephen’s responsibilities within Covéa Insurance will remain unchanged, continuing to lead the company’s Claims, Operations, IT and Customer functions, and retaining his position on the Executive Committee. The appointment formally recognises... Read More Press Release 6 May 2026 A Broker-Voted Achievement We're Proud Of Keith Hector & Sue Coffey Commercial Lines Director & Personal Lines Director We are incredibly proud to share that we have once again achieved 5-Star status in the Insurance Times Broker Survey, alongside being ranked Number One for Personal Lines for the eighth consecutive year. This year also saw us awarded 5 Stars for Commercial Lines, marking another important milestone for our business. Read More Blog Post 5 Feb 2026 100% Broker Intermediated Sue Coffey Personal Lines Director Our broker-intermediated business model is a strategic powerhouse. With the UK insurance market’s fierce competition and rapid... Read More Blog Post 9 Jun 2025 SWIPE Our Industry Awards & Recognitions We won bronze Excellence in Professional Development Awarded By: Insurance Times Awards December 2024 We won silver Customer Champion of the Year Awarded By: Insurance Times Awards December 2024 We won Above & Beyond Award Awarded By: Insurance CX Awards December 2024 We won The Professional Development & Training Award Awarded By: British Insurance Awards July 2024 For 7 consecutive years we're Rated 5 Stars Awarded By: Insurance Times Broker Service Survey December 2024 We're accredited ServiceMark with Distinction Awarded By: The Institute of Customer Service March 2025 We were highly commended for Diversity & Inclusion Network of the Year Awarded By: The Insurance Post DEI Awards November 2025 We were highly commended for Employee Resource Group of the Year Awarded By: The Insurance Post DEI Awards November 2025 We won The Progressive D&I Recruitment Award Awarded By: The Insurance Post DEI Awards November 2025 We won Inclusive General Insurance Service of the Year Awarded By: The Insurance Post DEI Awards November 2025 We won silver Marketing Campaign of the Year Awarded By: Insurance Times Awards December 2025 Financially Stable As a guaranteed subsidiary of the prestigious Covéa Group, we provide substantial financial reassurance to all our partners and customers, backed by Standard & Poor's highly respected 'AA- negative outlook' rating. Learn About Covéa Group Excellence In Service Our Service Excellence is Award Winning and Accredited by the Institute of Customer Service (ICS) and the Chartered Insurance Institute (CII)*, demonstrating our unwavering commitment to the highest standards of professional service and customer care. Learn About Our Service Commercial Lines We're proud to be SME Experts with our products delivering protection across Commercial Lines – all backed by our CII Chartered Status and expertise in protecting what matters most to your clients' business. Commercial Lines Products Personal Lines We’ve earned a 5-star rating and first-place position in the Insurance Times Broker Survey for the 7th year running — a testament to our personal protection suite, delivering expert, responsive service and insurance solutions you and your customers can count on. Personal Lines Products Protecting Customers We're here to protect your customers against the worst, and put it right if it does happen. Our protection extends beyond providing insurance policies - we offer proactive guides and resources designed to help prevent problems before they occur. See Risk Management Guides Why Partner With Us We're 100% Broker-focused. Our financial strength gives security, while our local teams deliver exceptional service when it matters most. With expertise, award-winning claims handling, and practical risk guidance for your clients, we offer the perfect balance of big-company stability with local, personalised support. We're open for business and ready to help you grow. Support & Tools This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer. For our Brokers Broker Online Make adjustments to older policies or write Motor Trade Road Risks and Events Insurance. Access Broker Online Covea Insurance Online Get a quote today on our range of commercial insurance products and breakdown cover. Access CIO Contact Sheets Here you will find contact sheets for our Broker Underwriting teams. Get In Touch For our Customers Mitigation Guides Our protection extends beyond providing insurance policies - we offer proactive guides and resources designed to help prevent problems before they occur. See The Guides Document Library Access all of our Commercial and Personal Lines Documents, from Policy Wordings to Target Market Statements. Find A Document Extra Help & Support We're working with a variety of partners to provide the most inclusive service possible so that you have access to vital support when you need it most. Get Support Follow us on LinkedIn What Customers are saying About Us.... Having an accident was very upsetting but all the members of your team who spoke with me were very polite and understanding. This was a straight forward application and stress free, the person that spoke to me was very friendly and helpful. The whole repair procedure went like clockwork. The repair is amazing, our car looks like new. Very professional and friendly company, can’t thank them enough! You made it very simple for me to submit my claim. It is the first time I have had to use your services so was rather anxious. However it was an easy process to follow. My first claim 50 + years so I was apprehensive about the system. However the insurers representative was very accommodating and the repair garage couldn't have been more helpful. It’s the first time I’ve made a claim so was unsure of the process but advisors were very knowledgeable and professional. I just wanted to take a moment to thank you for your exceptional service. My scores reflect how happy I am, and that’s because of how efficiently and professionally you handled everything from the moment of our accident. As soon as I reached out, you were on it straight away. The car was collected in no time, we received a courtesy car promptly, and the entire process was seamless. I only rang you once and the man I spoke to explained the whole procedure very clearly so I had no reason to ring you again. Thank you. Thank you to all involved for making a difficult situation easier than it could have been. Working with Covéa feels like a partnership rather than a supplier/customer relationship. Sounds simple but it is incredibly rare. Having worked with Covéa for a number of years, I have always found that this is an organisation who are supportive to their broker partners and value their contribution, ideas and challenges. Excellent underwriting team, with great knowledge, market presence and service. Cracking levels of engagement through good times and bad, lovely to have you back trading adding tangible value to our panels. What sets Covéa apart is their stability and long-term approach to relationships. Excellent collaboration and open/transparent conversations. If the opportunity stacks up Covéa will support. I feel our relationship manager and underwriter go the extra mile to secure the relationship. The commercial lines team at Covéa brings together the best of both worlds - the security of a major European insurer with the agility and personal service of a specialist provider. What Brokers are saying About Us....

GET STORM READY Ready to weather any storm? Your one-stop hub for storm preparation, tips, and resources to keep you and your home protected. VIDEO PLAYLIST Check out our video series on safeguarding your home, before during and after a storm. Are you Storm Ready? Safeguarding Your Home During The Storm After The Storm Get Storm Ready GUIDE Help Protect You and Your Home Our storm prevention guide is designed to help your clients protect their homes and businesses against severe weather. If you’d like to co-brand this guide, please get in touch with your usual Covéa contact. DOWNLOAD PDF

Excel Business Combined eTrade Commercial Combined Excel Business Combined eTrade Commercial Combined Commercial Combined Two routes. One goal. Complete cover for growing commercial clients. Our Combined proposition gives brokers flexible, scalable protection for UK SMEs – whether you’re trading manually via our Excel Business Combined product or digitally through our eCCI platform. Built to cover core risks like property damage, liability, and business interruption, both options are underpinned by expert underwriting, practical add-ons, and 24/7 claims and legal support. Choose the route that suits your client and trading preference: Excel Business Combined – traditional placement, tailored for growing SMEs and more complex or bespoke risks eCCI (eTrade Commercial Combined Insurance) – fast, efficient cover placed via e-trade platforms, ideal for standard SME profiles Key Features Emergency Assistance & Counselling Support Includes a practical helpline service for property emergencies and a confidential counselling helpline for employees — showing care beyond the claim. Tailored for SME Risk Profiles Built with the day-to-day exposures of UK-based SMEs in mind — including contents, stock, equipment, and liability risks common across sectors. Specialist Legal & Tax Advice Helplines Policyholders have 24/7 access to confidential legal and tax guidance, delivered by ARAG — supporting businesses with real-world issues from contracts to compliance. Modular, Mix-and-Match Cover Choose the right blend of property, liability, and business interruption cover — including optional sections for goods in transit, theft by employees, legal expenses, and more. Excel Business Combined Our Excel Business Combined product gives brokers a flexible, modular solution to protect SMEs across a wide range of sectors. From property damage and business interruption to liability, legal expenses, and money cover, it brings together core protections under a single, streamlined policy – making it easier for brokers to tailor effective solutions for dynamic, fast-moving businesses. With 24/7 claims support and legal helplines included, Excel BCI is designed to be responsive, resilient, and ready to scale with your clients’ growth. An example of our appetite Wholesale Distribution Retail Manufacturing Professional Services Printing View our Product Guide Here View Policy Documents Here View Target Market Statement eTrade Commercial Combined Our eCCI product offers a modular, broad-spectrum commercial combined solution ideal for small to medium businesses trading in a wide range of sectors. Delivered through e-trade platforms for ease and speed, it equips brokers with a responsive, straightforward way to protect core business risks — from property damage and interruption to liability, legal expenses, money and employee dishonesty. Whether you’re supporting a startup or a growing firm with changing needs, ECCI offers clear limits, practical extensions, and real-world protection, backed by efficient claims handling and embedded DAS helplines. View Policy Documents Here View Target Market Statement Key Features Emergency Assistance & Counselling Support Includes a practical helpline service for property emergencies and a confidential counselling helpline for employees – showing care beyond the claim. Tailored for SME Risk Profiles Built with the day-to-day exposures of UK-based SMEs in mind – including contents, stock, equipment, and liability risks common across sectors. Specialist Legal & Tax Advice Helplines Policyholders have 24/7 access to confidential legal and tax guidance, delivered by ARAG – supporting businesses with real-world issues from contracts to compliance. Modular, Mix-and-Match Cover Choose the right blend of property, liability, and business interruption cover – including optional sections for goods in transit, theft by employees, legal expenses, and more.

Motor Fleet Fleet that delivers. Our fleet proposition is built around how brokers want to trade — giving you the flexibility to place business quickly online or work with our regional underwriters on more complex risks. Whether it’s e-Fleet for 3–20 vehicles or our Motor Fleet proposition for up to 25 vehicles with more diverse needs, both products are designed to protect business-critical vehicles with confidence. Combining robust cover, responsive claims service and the underwriting expertise you expect from us. Straightforward risks can be placed efficiently, while more complex cases benefit from direct access to experienced decision-makers, all backed by our relationships, claims service and 100% intermediated approach. Regional Motor Fleet e-Fleet Key Features Comprehensive Claims Support & 24/7 Careline Rapid response through a dedicated Motor Fleet Careline, with clear claims guidance and a network of approved repairers. Courtesy Vehicle for Repairs Where cover applies and repairs are through our network, clients receive a courtesy vehicle to keep them mobile during downtime — reducing business disruption. Wide-Ranging Cover Includes personal accident, medical expenses, foreign use, and legal protection through ARAG. New for Old Vehicle Replacement Replaces private cars under 12 months old following total loss (subject to terms), helping clients recover faster with minimal impact on operations. Regionally Traded Motor Fleet Fleet that delivers. From 3 – 25 vehicles. Our Motor Fleet policy gives brokers the tools to protect their clients’ business-critical vehicles with confidence. Designed for businesses operating fleets of cars, vans, and light commercial vehicles, it combines essential core cover and responsive claims support. Whether clients run a handful of vans or a full mixed fleet, our policy delivers robust protection — including comprehensive or third party fire & theft. Backed by expert handlers, 24/7 accident response, it’s built for businesses that rely on their vehicles — and brokers who need cover they can trust to perform. Straightforward to place. Resilient under pressure. Trusted by thousands of UK businesses. View Product Guide Here View Policy Documents Here Key Features Comprehensive Claims Support & 24/7 Careline Rapid response through a dedicated Motor Fleet Careline, with clear claims guidance and a network of approved repairers. Courtesy Vehicle for Repairs Where cover applies and repairs are through our network, clients receive a courtesy vehicle to keep them mobile during downtime — reducing business disruption. Wide-Ranging Cover Includes personal accident, medical expenses, foreign use, and legal protection through ARAG. New for Old Vehicle Replacement Replaces private cars under 12 months old following total loss (subject to terms), helping clients recover faster with minimal impact on operations. e-Fleet Designed for fleets of 3–20 vehicles, e-Fleet mirrors our regional Motor Fleet proposition, combining essential core cover with the speed and simplicity of e-trade. It’s built for straightforward risks that need quick, confident placement, while still giving you access to underwriting support when you need it. An example of our appetite Mature stable workforce, free of serious convictions Fleet rated risks with a 3 or 5 year confirmed claims experience Majority of driver to be experienced (25+) Minimum of 3 vehicles Cars , Commercial vehicles up to 7.5t GVW Non-distressed confirmed claims experience with low frequency View Product Guide Here View Policy Documents Here

Private Car & Breakdown Comprehensive cover for everyday drivers — with service that goes the extra mile. Covéa’s Private Car policy offers straightforward, reliable protection for your clients’ vehicles — whether they’re commuting, road-tripping or running errands. With fully comprehensive cover as standard, the policy includes new-for-old vehicle replacement, personal belongings cover, and an uninsured driver promise. We offer motor breakdown cover provided by the RAC as an optional extra to help tailor the policy to your clients needs. Reliable cover. Hassle-free claims. Built for peace of mind. View Policy Documents Here Key Features Uninsured Driver Promise Give your clients confidence on the road — if they’re hit by an uninsured driver, they won’t pay an excess and their No Claims Discount stays intact. It’s a powerful reassurance in today’s driving environment, where not everyone plays by the rules. New Vehicle Replacement If a car under 12 months old is written off, we’ll replace it with a brand-new one of the same make and model. It’s a standout benefit for new car owners, helping them recover quickly and without compromise. Child Car Seat Cover We automatically cover the cost of replacing child car seats after an accident — even if there’s no visible damage. It’s a small but meaningful touch that shows we think about what matters most to families. Optional Motor Breakdown Cover Your clients can enhance their protection with optional RAC breakdown assistance — offering expert support on the roadside, at home, or even abroad. Key Features Urgent Message Relay & Replacement Driver Additional peace of mind with RAC’s extras — including help contacting family or colleagues during a breakdown, and a replacement driver if illness stops the journey from continuing. Home Start & Recovery Included Clients are protected even before they leave the driveway with 'At Home' level and above. Whether the issue happens at home or on the move, RAC will recover the vehicle to a garage or a UK destination of their choice. Full European Motoring Cover Cover extends across 40+ European countries, including roadside repair, repatriation, accommodation, and onward travel — perfect for clients who take their vehicle abroad for holidays or work. 24/7 UK & European Roadside Assistance Day or night, at home or abroad — if your client’s vehicle breaks down, RAC will dispatch expert help to get them back on the road or arrange recovery to a local garage. Seamless support when they need it most. RAC Motor Breakdown From driveway to Europe — support when your clients need it most. Provided in partnership with the RAC, Covéa’s Breakdown Cover offers three levels of support: Roadside & Recovery, At Home and European Assistance. It’s a policy that gives your clients the confidence to drive knowing help is just a call away. With hire car, accommodation and onward travel included in higher levels, it's flexible enough for everyday drivers and road-trippers alike. Quick to act. Easy to use. Trusted to deliver. View Policy Documents Here

Our Financial Information We are proud to be part of the Covéa Group , the French leader in property and casualty insurance, and one of the leading insurance groups in Europe. You can find out more detail of the Group's financial performance here . 2025 Financial RESULTS Covea Insurance plc - Solvency and Financial Condition Report 2025 Covéa Life Limited - Solvency and Financial Condition Report 2025 Covéa Group UK Tax Policy Statement £616.8m Gross Written Premium £72.4m Profit / (Loss) After Tax 91.6% Combined Operating Ratio £596.3m Core Written Premium

Motor Trade Flexible Motor Trade Insurance for Every Kind of Business Our Motor Trade range is designed to meet the varied needs of the industry – from part-time traders working from home to large, multi-site operations. Whether your Clients need cover for road risks, internal risks or a fully combined solution, each product offers tailored protection backed by market-leading expertise. With flexible options, clear wordings and strong service support, we help brokers provide dependable, fit-for-purpose cover to motor traders at every stage of their business journey. Motor Trade Combined Motor Trade Road Risk Motor Trade Internal Risk Key Features Wide-Ranging Cover in One Policy Road risks, liability, material damage, business interruption, and more — with extras like MOT licence loss and legal expenses. Automatic Demonstration Cover Standard inclusion, with unaccompanied demonstration available on request. Flexible Road Risks Use ‘Any Employee’ for business use; named drivers for SD&P, with ‘any driver’ for SD&P available on referral. Optional Loan or Hire Vehicle Cover Protects vehicles lent or hired out to customers, subject to underwriting. Motor Trade Our Combined product brings together a wide range of protections – from premises and tools to liabilities and vehicles – all in one policy. It’s ideal for Clients who need bespoke cover that adapts to the unique risks of their operation. An example of our appetite Accessory Sales Fitting Auto Electrician Brake/Clutch Servicing Diagnostic Engineers Exhaust Fitters Mechanical Service and Repair MOT Stations View Our Product Guide Here View Policy Documents Here Key Features Vehicle Indemnity Per Vehicle Per Claim Ensures clarity and fairness for each individual incident. Cover at Home Address Vehicles stored at the policyholder’s home are included automatically. Online MID Update Function Quick, direct updates to the Motor Insurance Database for total visibility. Customer Vehicle Claims Paid at Market Value Fair, consistent settlement terms your clients can rely on. Motor Trade Road Risk Our Motor Trade Road Risks policy is tailored for part-time and full-time traders who need essential cover for vehicles in their custody or control. Whether your client is buying, selling, servicing or repairing vehicles from home or commercial premises, we provide the protection they need to stay compliant and confident on the road. Backed by Covéa’s 24/7 claims helpline and trusted service, it’s a straightforward solution for keeping your motor trade clients moving. An example of our appetite Sales, Service & Repairs and Valeters dealing with standard private cars and commercial vehicles up to 3.5T GVW Flexible indemnity limit up to £30,000 with split indemnities available (subject to cover and trade) Up to 6 named drivers, with 4 for motor trade use Protected No Claims Discount and Accompanied Demonstration Cover available optionally Comprehensive and Third Party Fire and Theft cover View Policy Documents Here Key Features Flexible Sums Insured Tailored limits for stock and public liability to suit businesses of all sizes. Reduced Rates for Clerical-Only Staff More competitive pricing where risk is lower. Stock of Vehicles Cover by Storage Type Insurable whether stored inside, in compounds or in the open. Customer Vehicle Claims Settled at Market Value Fair, transparent approach to settlements. Motor Trade Our Motor Trade Internal Risks product is built for motor traders who need more than just Road Risks cover. Designed for part-time or full-time traders working from business premises, home, or on the move, it offers flexible protection tailored to your clients' operations. With customisable sums insured, wide occupational acceptance, and 24/7 claims support, we make it easier for brokers to protect their clients — whether they’re trading from a garage, driveway, or forecourt. An example of our appetite Public and Products Liability, including Sales & Service indemnity up to £5M with optional Employers Liability up to £10M Wide range of acceptable occupations including for those operating from business premises or on a mobile basis Up to 6 persons covered including 2 clerical only employees Stock of Vehicles cover available up to £100k sum insured View Policy Documents Here

Here's how to apply Your Success. Our Commitment. Ready to work with an insurer who puts your success first? Contact our Agency team today to discover how we can support you and explore the benefits of joining our Executive network. WANT AN AGENCY? 91% of brokers said we were easy to do business with Sign up here! Fill in the details below to get started. First name* Last name* Email* Phone* Brokerage* Please tell us which line you're interested in placing through us - if both please tick both boxes. Personal Lines Products Commercial Lines Products Message Submit 0330 221 0444 agency@coveainsurance.co.uk

Standard Home Flexible, all-round protection for homes and contents. Profile Home Insurance offers combined or standalone buildings and contents cover to suit a wide range of customer lifestyles. With accidental damage, personal possessions away from home, and worldwide cover for bicycles, all available as optional extras, it’s a policy designed for everyday living. It also includes essentials like escape of water, trace & access, and freezer contents as standard. Home cover that adapts to life’s little surprises. View Policy Documents Here Key Features Escape of Water & Trace and Access We don’t just cover the damage — we’ll also pay to find the source. It’s a major reassurance for clients facing one of the most common and costly home claims. Flexible Cover, Your Way Buildings, contents or both — this policy adapts to your clients’ needs, making it ideal for everyone from first-time buyers to growing families. Alternative Accommodation Included If the home becomes uninhabitable, we’ll pay for your client to stay somewhere safe and comfortable — keeping disruption to a minimum when it matters most. Family Legal Protection This policy offers round-the-clock legal helplines and covers legal costs for a wide range of disputes, giving peace of mind when unexpected issues arise.

Pet Insurance Caring cover for beloved companions — built with empathy, delivered with excellence. At Covéa, we understand that pets are family. Our Pet Insurance proposition combines clear, reliable cover with a compassionate, data-led service experience. We offer full white-label administration, digital claims processing, and SMS/email updates — all tailored to reflect the values of our partners and the emotional needs of their customers. You'll get: Market-leading claims service built on empathy and expertise Digital, form-free claims journey with branded communications Flexible pricing and underwriting tailored to each partner's brand White-label admin and support for some of the UK’s biggest pet names Trusted by brands. Loved by pet parents. A proposition built for connection. Tell us what you need If you would like to discuss any Pet Insurance opportunities please Contact the Distribution Team

Helping Customers Protect what really matters. Mitigation Guides We're here to protect your customers against the worst, and put it right if it does happen. Our protection extends beyond providing insurance policies - we offer proactive guides and resources (which can be co-branded) designed to help prevent problems before they occur. Click here to view all our guides Say goodbye to hidden leaks... Say Hello to LeakBot Free for Private Clients (Executive Plus & Executive Home Policy holders). LeakBot helps prevent major water damage by spotting leaks early! What is LeakBot? A Wi-Fi device that clips onto the mains pipe in minutes - no tools or plumbing experience needed Instantly alerts via a smartphone FREE specialist find and fix service if a leak is detected Learn more about LeakBot Register your interest Protect your clients. Strengthen your service. Flood Alerts Using advanced weather mapping and live policy data, we flag properties in danger and provide you with co-branded alerts to share. Click here to register your interest Floodwise Protection when they need it. Following a simple home assessment questionnaire, Floodwise will create a personalised kit specific to your client’s home. Floodwise will monitor flood data and notify your client if there’s a flood alert in their area. When an alert hits, your client’s kit will be delivered straight to their door, free of charge. Click here to register your interest Small Action. Big Difference. Helping Prevent Car Theft. Faraday Pouch Using a Faraday pouch is a simple way to protect cars from theft. It blocks the signal from keys, stopping thieves from gaining keyless entry. It’s simple to use, just slip the keys inside when they’re not in use. Smart Object Tracker A Smart Object Tracker can be placed in a discreet location such as under the seat, in the glovebox or in the boot. If the worst happens, we’ll be able to locate the car quickly. Click here to register your interest

COMMERCIAL LINES North, Midlands, Scotland & Networks Management Team Lee Venamore Head of Distribution Tel: Email: 07590 441 473 Lee.Venamore@coveainsurance.co.uk Britt Gillott Sales and Regional Distribution Manager Tel: Email: 0330 221 0444 Brittany.Gillott@coveainsurance.co.uk Mike Brooke Strategic Distribution Manager Tel: Email: 07990 570 105 Michael.Brooke@coveainsurance.co.uk Chris Woolam Regional Manager Tel: Email: 0161 636 3031 Chris.Woolam@coveainsurance.co.uk Regional Development Managers Mark Feathers ‪Regional Development Manager Tel: Email: 07394 865 045 Mark.Feathers@coveainsurance.co.uk Ben Hodgson Broker Development Manager Tel: Email: 07596 572 432 Ben.Hodgson@coveainsurance.co.uk Mandie McGarry Regional Development Manager Tel: Email: 07889 119042 Amanda.McGarry@coveainsurance.co.uk Network Distribution John Wood Senior Broker Development Consultant Tel: Email: 07754 050 881 John.Wood@coveainsurance.co.uk Ollie Kenyon Broker Development Consultant Tel: Email: 07889 119 205 Oliver.Kenyon@coveainsurance.co.uk Network Underwriters Laura Vitler Team Manager Tel: Email: 0173 292 3485 Laura.Vitler@coveainsurance.co.uk Imran Saeed Senior Underwriter Tel: Email: 0330 024 0553 Imran.Saeed@coveainsurance.co.uk Stuart Norfolk Underwriter Tel: Email: stuart.norfolk@coveainsurance.co.uk Naeem Isap Underwriter Tel: Email: Naeem.Isap@coveainsurance.co.uk North & Scotland Underwriters Ant Dagostina Senior Development Underwriter Tel: Email: 0330 134 8495 Ant.Dagostina@coveainsurance.co.uk Sally Bardsley Regional Underwriter - Property Tel: Email: 0330 024 1862 Sally.Bardsley@coveainsurance.co.uk Andrew Adams Regional Underwriter - Motor Trade Tel: Email: 0330 024 1854 Adam.Andrews@coveainsurance.co.uk Calvin Dudley Senior Development Underwriter Tel: Email: 07851 383 934 Calvin.Dudley@coveainsurance.co.uk Paul Wood Senior Regional Underwriter - Fleet Tel: Email: 0330 024 1859 Paul.Wood@coveainsurance.co.uk Paul Allen Senior Regional Underwriter - Motor Trade Tel: Email: 0330 024 2497 Paul.Allen@coveainsurance.co.uk Amandeep Karir Regional Underwriter - Motor Trade Tel: Email: 0330 024 1822 Amandeep.Karir@coveainsurance.co.uk Ashley Waterworth Senior Regional Motor Trade Underwriter Tel: Email: 01422 286 205 Ashley.Waterworth@coveainsurance.co.uk Chris Hall Regional Underwriter - Property Tel: Email: 0330 024 2315 Chris.Hall@coveainsurance.co.uk Midlands Underwriters Ash Kamrudin Senior Regional Underwriter Tel: Email: 0330 024 1989 Ash.Kamrudin@coveainsurance.co.uk David Wright Senior Regional Underwriter - Fleet Tel: Email: 0330 024 0592 David.Wright@coveainsurance.co.uk Matt Draper Senior Development Underwriter Tel: Email: 07713 477 357 Matthew.Draper@coveainsurance.co.uk Chris Hall Regional Underwriter - Property Tel: Email: 0330 024 2315 Chris.Hall@coveainsurance.co.uk Charlotte Scott Regional Underwriter Tel: Email: 0330 024 2498 Charlotte.Scott@coveainsurance.co.uk COMMERCIAL LINES eTrade & Schemes Please note: when using our IVR, ‘North’ and ‘South’ refer to the location of your office, not the location of the risk. We’ve found this can sometimes cause confusion, so selecting based on your office location will ensure you’re directed to the right team. e-Trade Department Phone & Emails Motor Trade Road Risks Referrals Existing Business Enquiries Tel: Email: 0330 221 0555 MotorTrade@coveainsurance.co.uk Motor Trade Road Risks Referrals New Business Enquiries Tel: Email: 0330 221 0222 NBMotorTrade@coveainsurance.co.uk Property Owner Referrals Tel: Email: 0330 221 0222 CommercialEtrade@coveainsurance.co.uk Trades & Professions Referrals Tel: Email: 0330 221 0222 CommercialEtrade@coveainsurance.co.uk Packaged Product Referrals Tel: Email: 0330 221 0222 CommercialETrade@coveainsurance.co.uk eTrade Commercial Combined Referrals Tel: Email: 0330 024 2505 CommercialETrade@coveainsurance.co.uk e-Fleet Referrals Tel: Email: 0330 024 2446 E-fleet@coveainsurance.co.uk e-Trade Management Nicki Crabb Head of eTrade & Schemes Trading Tel: Email: 07720 640 761 Nicki.Crabb@coveainsurance.co.uk Joanne Taylor Team Manager – Regional eTrade Motor Tel: Email: 07875 646 764 Joanne.Taylor@coveainsurance.co.uk Vicki Clark Team Manager - Regional eTrade Trading Tel: Email: 07871 813 214 Vicki.Clark@coveainsurance.co.uk e-Trade Relationship Managers Steph Ivil Strategic Distribution Manager Tel: Email: N/A Stephanie.Ivil@coveainsurance.co.uk Schemes Generic Phone & Email Schemes Referrals Tel: Email: 0330 134 8194 SchemesReferrals@coveainsurance.co.uk Schemes Management Nicki Crabb Head of eTrade & Schemes Trading Tel: Email: 07720 640 761 Nicki.Crabb@coveainsurance.co.uk Shaun Hardwick Senior Schemes Development Underwriter Tel: Email: 07881 502 651 Shaun.Hardwick@coveainsurance.co.uk Beth Hayes Schemes Technical and Team Manager Tel: Email: 07598 144 472 Beth.Hayes@coveainsurance.co.uk Schemes Underwriters COMMERCIAL LINES South Department Phone and Emails South East / Central Office Email: Chelmsford@coveainsurance.co.uk South West / Wales Office Email: Bristol@coveainsurance.co.uk Regional Development Managers Leighton Brown Regional Development Manager Tel: Email: 07872 821 883 Leighton.Brown@coveainsurance.co.uk Ashleigh Gray Regional Development Manager Tel: Email: 07729 230 620 Ashleigh.Gray@coveainsurance.co.uk Owen Hendry Regional Development Manager Tel: Email: 07841 671 586 Owen.Hendry@coveainsurance.co.uk Regional Management Team James Payne Regional Distribution and Sales Manager Tel: Email: 07921 802 552 James.Payne@coveainsurance.co.uk Simon Measures Regional Underwriting Manager Tel: Email: 07545 427 325 Simon.Measures@coveainsurance.co.uk Sean Field Regional Manager Tel: Email: 07921 802537 Sean.Field@coveainsurance.co.uk South East & South Central Underwriters Lisa Gaskin Senior Regional Underwriter & Team Manager Tel: Email: 07771 644 097 Lisa.Gaskin@coveainsurance.co.uk Caroline Barber Senior Regional Underwriter – Combined/Real Estate Tel: Email: 01422 339 330 Caroline.Barber@coveainsurance.co.uk Dominic Jacob Senior Regional Underwriter - Combined/Real Estate Tel: Email: 07985 770 516 Dominic.Jacob@coveainsurance.co.uk Martyn Blaber Senior Regional Underwriter – Motor Trade Tel: Email: 01422 286 943 m.blaber@coveainsurance.co.uk Alana Galibraith Senior Regional Underwriter - Motor Trade Tel: Email: 0330 221 0444 Alana.Galibraith@coveainsurance.co.uk Darren Carter Senior Regional Underwriter - Motor Trade Tel: Email: 07738 379 556 Darren.Carter@coveainsurance.co.uk Natasha Saint Senior Regional Underwriter - Commercial Combined Tel: Email: 07771 647 652 Natasha.Saint@coveainsurance.co.uk Phil Venison Senior Regional Underwriter - Motor Fleet Tel: Email: 01732 923 495 Philip.Venison@coveainsurance.co.uk Louis Parkes Regional Development Underwriter - Combined/Real Estate Tel: Email: 07701 222 670 Louis.Parkes@coveainsurance.co.uk Scott Wilkinson Regional Underwriter – Motor Trade Tel: Email: 01732 923 406 Scott.Wilkinson@coveainsurance.co.uk Nick Chappell Regional Underwriter - Combined/Real Estate Tel: Email: 01422 286 008 Nick.Chappell@coveainsurance.co.uk Louise Smith Assistant Regional Underwriter - Motor Trade Tel: Email: 0330 024 2180 Louise.Smith@coveainsurance.co.uk Charlotte Gibson Assistant Underwriter - Commercial Combined Tel: Email: 01422 286 815 Charlotte.Gibson@coveainsurance.co.uk Guy Rodwell Assistant Underwriter - Real Estate Tel: Email: 01422 413 543 Guy.Rodwell@coveainsurance.co.uk South West & Wales Underwriters Spencer Flood Senior Regional Underwriter & Team Manager Tel: 07872 118 223 Email: Spencer.Flood@coveainsurance.co.uk Becky Bowker Senior Regional Underwriter - Motor Fleet Tel: 07842 324 098 Email: Becky.Bowker@coveainsurance.co.uk Andrew Blackford Senior Regional Underwriter - Combined/Real Estate Tel: 07590 314 145 Email: Andrew.Blackford@coveainsurance.co.uk Dafydd Prodger Senior Regional Underwriter – Combined/Real Estate Tel: 01422 286 955 Email: Dafydd.prodger@coveainsurance.co.uk Kazeem Ogunbiyi Senior Regional Underwriter - Combined/Real Estate Tel: 07889 912 853 Email: Kazeem.Ogunbiyi@coveainsurance.co.uk Christian Gatehouse Senior Regional Underwriter – Motor Trade Combined Tel: 07510 474 611 Email: Christian.Gatehouse@coveainsurance.co.uk Tracey Vivian Senior Regional Underwriter - Motor Trade/Combined/Real Estate Tel: 07815 102 217 Email: Tracey.Vivian@coveainsurance.co.uk Helen Aslin Assistant Underwriter - Real Estate Tel: 07546 761 183 Email: Helen.Aslin@coveainsurance.co.uk Personal LINES Department Phone & Emails Delivery Team Tel: Email: 01422 286 495 PLHub@coveainsurance.co.uk Underwriting Services Tel: Email: 03302 210 777 Household@coveainsurance.co.uk Private Clients Management Private Clients New Business New Business Tel: Email: 0330 134 8201 PrivateClientsNB@coveainsurance.co.uk Private Clients Existing Business Exisitng Business Tel: Email: 03301348161 PrivateClientsEB@coveainsurance.co.uk COMMERCIAL LINES London Regional Office (Real Estate) Senior Management Commercial Underwriting Team Jordan Glenny Senior Regional Underwriter & Team Manager Tel: Email: 0203 161 6306 Jordan.Glenny@coveainsurance.co.uk Chris Hodge Senior Regional Underwriter & Team Manager Tel: Email: 0203 161 6317 Chris.Hodge@coveainsurance.co.uk Ryan Arais Senior Regional Underwriter & Team Manager Tel: Email: 0203 161 6314 Ryan.Arias@coveainsurance.co.uk Dan Luton Senior Regional Underwriter & Team Manager Tel: Email: 07841 532 280 Dan.Luton@coveainsurance.co.uk William Gouldie Senior Regional Underwriter & Team Manager Tel: Email: 0333 130 4582 William.Gouldie@coveainsurance.co.uk Senior Regional Underwriter & Team Manager Tel: Email: CONTACT OUR EXPERT TEAMS COMMERCIAL LINES Midlands, North, Scotland & Networks COMMERCIAL LINES eTrade & Schemes COMMERCIAL LINES South COMMERCIAL LINES Real Estate (London) PERSONAL LINES

At Covéa Insurance, we’re proud to be SME Experts, it’s at the heart of our commercial proposition. We deliver specialist insurance solutions for small to medium enterprises with up to 250 employees and turnover up to £42m. Our approach combines local underwriting expertise with flexible service models that adapt to your specific trading preferences. One Quote To Market Our one quote to market approach gives you exclusivity and a true edge. We will only offer one set of terms nationally for all our underwritten business through our regional branch trading teams. Marketing With You Our Marketing team is ready to collaborate, providing co-branded articles, updates, and insight to complement your strategy and social channels. Service You Can Count On Our dedicated SME Underwriters are here to give you the edge, helping you win new business and retain key renewals with confidence. Training And Development We offer in-office or webinar training on our products and cross-selling, access to our Broker Training Academy, and refresher sessions to keep teams sharp. Smarter, Stronger Tenders We’ve refined our approach to tenders and account consolidations to help you win. When a rollover is agreed, all enquiries are logged as exclusive, safeguarding your work. Trading Model Built Around You Whether you place business through our regional team, e-Trade, or schemes, our proposition flexes around your model. OUR PROMISE to our brokers See Our Products Download our Brochure Commercial lines At Covéa Insurance, we’re proud to be SME Experts, it’s at the heart of our commercial proposition. We deliver specialist insurance solutions for small to medium enterprises with up to 250 employees and turnover up to £42m. Our approach combines local underwriting expertise with flexible service models that adapt to your specific trading preferences. Our SME Experts proposition is built on deep knowledge in key areas such as Commercial Combined, Property Owners, Motor Trade, Fleet, Tradesman & Professionals and eTrade package risks. What sets us apart is our commitment to swift decision-making through experienced underwriters with high levels of authority, all backed by our award-winning claims service. Click Here To Learn More Motor Fleet Reliable cover for fleets of 3 to 25 vehicles. For businesses running cars and small commercial vehicles (up to 7.5 tonnes) – it’s a straightforward solution for Clients who need flexible, efficient fleet insurance. Click Here To Learn More Property Owners From private landlords to large commercial portfolios, our Property Owners range gives brokers the tools to shape protection around every Client’s needs. With flexible options and comprehensive core cover, it’s insurance that fits how today’s property owners operate. Click Here To Learn More Packages Our Packages range is built for small to mid-sized businesses that need reliable, all-in-one cover. Whether your clients run a shop, salon, office or surgery, these products offer flexible protection with comprehensive wording – helping them stay focused on their business, not their insurance. Click Here To Learn More Commercial Combined Our Combined range gives brokers the flexibility to shape cover around each client’s unique needs. From streamlined e-Trade solutions to fully configurable policies with enhanced features, these products offer comprehensive protection and clarity. Click Here To Learn More Motor Trade Our Motor Trade range is designed to support businesses of all sizes – from part-time traders working from home to large operations with multiple premises – all backed by trusted, expert service. Click Here To Learn More Trades & Professionals Our Trades & Professionals products are built to support self-employed individuals and small businesses – With core liability cover and a choice of optional extras, brokers can tailor protection to fit the way their clients work. OUR PRODUCTS tailor-made for your clients every need

product approval process Delivering Products You Can Place with Confidence At Covéa, every product we offer is carefully designed, monitored and reviewed to make sure it delivers real value to the people who use it. From initial design through to launch and ongoing performance reviews, our process ensures products stay competitive, suitable for their target market, and aligned with regulatory requirements. By combining insight from brokers, customers and our own teams, we make sure our products continue to meet evolving needs and uphold our commitment to fairness, quality and value. Click to Download Product Approval Process Document Product governance encompasses the whole of the product life cycle including: the design and distribution of products; the launch processes; product delivery; the ongoing monitoring of product performance; fair value assessments; and the development of existing products; including the selection and/or enhancement of product features/benefits and responding to market changes and legal or regulatory developments. All our core products are reviewed on an annual basis. The aim of the product review process is to make sure: Products are in line with the market Products remain competitive and are suitable for the target market Products reflect all relevant regulations and legislations Products are in line with the principles of Consumer Duty Products provide ‘value for money’ within the market they support, and Each part of the distribution chain providers value proportionate to the level of remuneration The reviews incorporate feedback from the business, intermediaries and customers. This assists us in establishing who the product might be suitable for and the product’s performance. Internal channels we use include: Complaint feedback Staff ideas/feedback Management information Company objectives Product performance System restrictions/limitations Treating Customers Fairly (TCF) External channels we use include: Market analysis and trends Competitor analysis Regulation & legislation Customer insight & feedback Brokers feedback External agencies Complaint feedback (FOS) product approval process Delivering Products You Can Place with Confidence At Covéa, every product we offer is carefully designed, monitored and reviewed to make sure it delivers real value to the people who use it. From initial design through to launch and ongoing performance reviews, our process ensures products stay competitive, suitable for their target market, and aligned with regulatory requirements. By combining insight from brokers, customers and our own teams, we make sure our products continue to meet evolving needs and uphold our commitment to fairness, quality and value. Click to Download Product Approval Process Document Product governance encompasses the whole of the product life cycle including: the design and distribution of products; the launch processes; product delivery; the ongoing monitoring of product performance; fair value assessments; and the development of existing products; including the selection and/or enhancement of product features/benefits and responding to market changes and legal or regulatory developments. All our core products are reviewed on an annual basis. The aim of the product review process is to make sure: Products are in line with the market Products remain competitive and are suitable for the target market Products reflect all relevant regulations and legislations Products are in line with the principles of Consumer Duty Products provide ‘value for money’ within the market they support, and Each part of the distribution chain providers value proportionate to the level of remuneration The reviews incorporate feedback from the business, intermediaries and customers. This assists us in establishing who the product might be suitable for and the product’s performance. Internal channels we use include: Complaint feedback Staff ideas/feedback Management information Company objectives Product performance System restrictions/limitations Treating Customers Fairly (TCF) External channels we use include: Market analysis and trends Competitor analysis Regulation & legislation Customer insight & feedback Brokers feedback External agencies Complaint feedback (FOS) The table below shows the lifecycle of a product review:

Packages Smarter cover. Simpler trading. One proposition — tailored to two core sectors. Our Packages proposition brings together two ready-made solutions designed for retail based (including salons), office based and surgery based business that keep our high streets and professional sectors running. Whether your client is retailing flowers or providing consulting for professional clients, our Packaged products deliver flexible, robust protection — all wrapped up in an easy-to-place format under a Packaged offering with a broad range of standard covers and valuable optional extras. Retail & Salons — designed for small businesses and independent retailers covering a range of retail & salon based trades and sectors. Offices & Surgeries – designed for professional clerical, consultancy based businesses as well as surgery based business and practices. With 24/7 claims support and a range of core covers provided as standard, our Packaged products helps you place dependable, competitive cover quickly — with the flexibility to meet real-world needs. All the essential protection. None of the complexity. Built for brokers. Backed by Covéa. Offices & Surgeries Retail & Salons Key Features Automatic Worldwide Cover (Specified All Risks) Under our Property Damage Section cover is provided as standard for Specified All Risks and Personal Effects whilst temporarily removed from the business premises – ideal for professionals working between locations or client sites worldwide. Exhibitions Cover Whether your clients are showcasing at conferences, trade shows or community events, their business equipment and promotional materials are covered while on display. Deterioration of Stock Up to £10,000 of cover provided as standard for deterioration or purification of refrigerated stock including drugs, medicines & vaccines as standard with a 50% increase for seasonal trading periods not exceeding 90 days. Legal Expenses Cover (optional) Up to £100,000 in legal expenses cover designed for business needs including (but not limited to) employment disputes, health & safety appeals, contract disputes, property disputes. Offices & Surgeries A specialist package for professional spaces — clear, comprehensive cover your clients can count on. Our Offices and Surgeries policy is purpose-built to protect working environments where professionalism and continuity matter most. Whether your client runs a law firm, accountant’s office, GP surgery or dental practice, this all-risks product wraps up property, liability, business interruption, and money cover in one neat solution — with optional extensions including terrorism, legal expenses, and buildings insurance. It’s everything your clients need, backed by expert claims support and an understanding of the risks modern professional businesses face. An example of our appetite Estate & Letting Agents Solicitors Accountants Architects Optometrists Dentists Doctors View Policy Documents Here Key Features Hair & Beauty Treatment Risks (Liability Extension) Covers businesses up to £500,000 in legal liabilities for a wide range of hairdressing and beauty treatments performed by qualified operators. Unspecified Storage Sites Stock and contents are protected even when stored off-site up to £5,000 as standard within the territorial limits – whether in temporary units, partner premises, or during relocation. Legal Expenses Cover (optional) Up to £100,000 in legal expenses cover designed for business needs including (but not limited to) employment disputes, health & safety appeals, contract disputes, property disputes. Seasonal Stock Uplift Automatic 25% increase in stock sum insured during peak trading periods (e.g. Christmas, Easter) — giving clients extra flexibility and peace of mind when it matters most. Retail & Salons Straightforward cover for local businesses — with the strength of a full package behind it. Our Retail and Salons policy is a comprehensive, all-in-one solution designed with high street shops and salons in mind. With a single policy, you can offer your clients a broad safety net: covering everything from property damage for stock & contents, business interruption, money & assault cover, Employers Liability and Public & Products liability. Optional covers such as Buildings and Subsidence cover under property damage, Treatment Risks for Hair & Beauty, Legal Expenses, loss of licence, Terrorism are also available to allow further tailoring to suit specific risks. It’s backed by expert claims support and a range of built-in extensions — helping you provide the clarity and confidence your clients need to keep trading, even when things go wrong. Designed to be easy to place. Built to stand up under pressure. An example of our appetite Clothing Retailers Hairdressers & Barbers Florists Gifts & Souvenirs Furniture retail Carpet Retailers Tea Rooms View Policy Documents Here