Search Results

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 Ollie Kenyon Regional Development Manager Tel: Email: 07889 119 205 Oliver.Kenyon@coveainsurance.co.uk Mark Feathers ‪Regional Development Manager Tel: Email: 07394 865 045 Mark.Feathers@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 CJ Major Broker Development Consultant Tel: Email: 0788 997 0480 CJ.Major@coveainsurance.co.uk Joe Silson Broker Development Consultant Tel: Email: 0788 996 6696 Joe.Silson@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 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 Chris Hall Regional Underwriter - Property Tel: Email: 0330 024 2315 Chris.Hall@coveainsurance.co.uk Ashley Baxter Underwriting Assistant Tel: Email: Ashley.Baxter@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

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....

Personal Lines Everyday essentials. Trusted protection. Delivered with service your clients will remember. Covéa’s Personal Lines proposition is built to support the moments that matter — from getting your customers back on the road to restoring their homes after a loss. With flexible, straightforward cover and award-winning claims service, our range of personal products is designed to give you confidence at point of quote and ease at point of claim. See Our Products Download Our Brochure Broker Tools Update the Motor Insurance Database for Motor Trade Road Risk & Motor Fleet Policies. Update MID Update the Motor Insurance Database for Motor Trade Road Risk & Motor Fleet Policies. Update the MID Covéa Insurance Online Get a quote today for small business products and breakdown cover. Go To Covéa Insurance Online Broker Online Services For Motor Trade Road Risk Trading and need to make this a bit longer. Go To Broker Online Contact Sheets Contact details for our underwriting and regional trading teams. See Our Contact Sheets Making a Claim Claims handled promptly and fairly by professional and experience staff. Make a Claim Credit Application Form Our standard Credit Application Form to download and provide back to us completed. Access the Credit Form Our Partner Promise Strategic Partnerships We work closely with brokers who share our values and ambition — building long-term relationships that deliver mutually agreed goals. With deep expertise and open collaboration, we craft solutions that work for you and your clients. Quality Dedicated Broker Service You’ll always know who to speak to. Our named contacts and specialist teams offer responsive, personal support — making it easier for you to do business with us, every step of the way. Reliable, Quality Cover From everyday essentials to Private Clients, our wide-ranging products are backed by clear, dependable wording — designed to protect what matters most, with confidence. Award-Winning Claims Service Putting clients back in the position they enjoyed before a loss is at the heart of everything we do. It’s why we’re ICS-accredited with Distinction and why 97%* of claims are paid. Fast, fair and empathetic — always. Clear Communication We keep things simple — no jargon, no chasing. Just clear, timely updates for you and your client, so everyone knows what’s happening and when. Underwriting Insight, Informed by Data Our underwriting decisions blend data with real market insight — and a deep understanding of broker relationships. Where the numbers stop, our expertise steps in to offer flexible, well-judged solutions. Our Products Tailor-Made for Your Client's Every Need Private Car & Breakdown Covéa’s Private Car policy offers straightforward, reliable protection for your clients’ vehicles — whether they’re commuting, road-tripping or running errands. Click here to learn more Commercial Vehicle Covéa’s Commercial Vehicle policy is designed for self-employed professionals and small business owners who rely on their van to work. Click here to learn more Standard Home Profile Home Insurance offers combined or standalone buildings and contents cover to suit a wide range of customer lifestyles. Click here to learn more Private Clients For over 30 years, we’ve specialised in protecting high-value homes and lifestyles through our Executive Home and Executive Plus products. Click here to learn more Pet Insurance Our Pet Insurance offers clear, reliable cover with a fast, empathetic claims journey — delivered through our own brand or in partnership with others. Click here to learn more

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

Property Owners One portfolio. Three powerful products. Expertly built around your clients needs. A flexible suite of solutions — built to back your advice. At Covéa Insurance, we know your clients come in all shapes and sizes — from single-property landlords to professional investors managing multi-site portfolios. That’s why we offer a comprehensive range of Property Owners products designed to flex around their needs, and support yours. With three distinct products under one roof, you can offer tailored, reliable protection that covers the essentials — buildings, landlords’ contents, loss of rent, and liability — plus valuable extras like legal expenses, terrorism, and cover for illegal activities or unauthorised utility use. Each policy is underpinned by responsive claims support, risk-aware underwriting, and practical extensions designed for real-world landlord challenges. Simple to trade. Straightforward to trust. Built for the broker market. Real Estate Residential Property Owners Property Owners Key Features Fly-Tipping Removal Provides up to £25,000 cover for clearing and removing illegally dumped waste from the property. Loss of Metered Utilities Pays up to £10,000 for accidental discharge of water, oil, gas, or electricity from a metered system — helping reduce unexpected overheads. Illegal Cultivation of Drugs Includes clean-up and damage costs caused by the illegal production of drugs — subject to rigorous tenant referencing and inspection conditions. Failure of Tenants’ Insurance Covers buildings that tenants were contractually obliged to insure but failed to — up to £1,000,000, helping landlords avoid uninsured gaps. Real Estate Our Real Estate policy is built for owners and managers of commercial and mixed-use property portfolios. It brings together robust protection for buildings, landlords’ contents, loss of rent, legal liabilities, and optional legal expenses. With enhanced features including cover for illegal drug cultivation, failure of tenant insurance, and unauthorised utility use, it’s designed to help property professionals manage risk, protect income, and respond quickly to the unexpected. An example of our appetite Commercial properties operating as Offices, Retail, Light Industrial or Warehousing Blocks of Flats managed by Managing Agents or Residents Associations Residential portfolios of Flats and Houses All varieties of retail including shopping centres and retail parks Low hazard manufacturing and wholesaling risks such as those involving metal, glass, machinery, builders merchants, electrical components / goods, printers, and all aspects of computing View Product Guide Here View Policy Documents Here Key Features Illegal Cultivation of Drugs Cover Includes cover for property damage and clean-up if used for the production of controlled substances — with mandatory inspection and referencing conditions. Loss of Rent & Temporary Accommodation Covers loss of rent or tenant rehousing if the property becomes uninhabitable due to insured damage — up to 33.3% of the building sum insured. Trace & Access Cover Up to £5,000 towards the cost of finding and fixing the source of water or oil leaks — essential for mitigating further damage. Malicious Damage by Tenants Up to £5,000 cover for malicious acts caused by residential tenants or their guests — with clear referencing requirements to support prevention. Residential Property Owners Our Residential Property Owners policy is tailored to protect landlords against the unexpected. With cover for buildings and contents, loss of rent, property owners’ liability, and a host of built-in protections — including malicious damage, emergency access costs and clean-up after illegal activity — we’re here to help landlords safeguard their assets and maintain continuity of income. Trusted, flexible, and backed by expert claims support. Professional Working Tenants Retired Tenants DWP (DSS) Non Referral Tenants Family Units View Product Guide Here View Policy Documents Here An example of our appetite Key Features Loss of Rent & Reletting Costs Covers loss of rent, re-letting expenses, increased costs of working, and even business rates where applicable (up to 33.3% of the Buildings and Contents sums insured). Loss of Metered Utilities Covers up to £25,000 if water, gas, oil or electricity is accidentally discharged and lost from a metered system, helping protect your clients from unexpected utility bills Illegal Cultivation of Drugs Cover (up to the inner limit of £5,000) for property damage and clean-up if used for the production of controlled substances — with mandatory inspection and referencing conditions. Trace & Access Cover Up to £5,000 towards the cost of finding and fixing the source of water or oil leaks — essential for mitigating further damage. Property Owners Comprehensive, flexible protection — trusted by landlords, backed by Covéa. Our Property Owners policy is a robust, all-in-one solution for landlords of residential, commercial, or mixed-use premises. Designed to protect both property and income, it covers buildings, contents, loss of rent, property owners’ liability, and offers key optional extras like terrorism and legal expenses. With a broad range of built-in extensions — from trace and access to unauthorised utility use — it helps safeguard clients against real-world risks and costs that landlords face every day. Whether your client owns a single let property or a growing portfolio, this policy is structured to support their investment — and your advice — with clarity, confidence, and expert claims service. All the essentials. Backed by real-world cover. Built to perform. Professional Working Tenants Retired Tenants DWP (DSS) Non Referral Family Units Offices Retail Units View Policy Documents Here An example of our appetite

Commercial Vehicle Van and light commercial cover that keeps your clients on the move. Covéa’s Commercial Vehicle policy is designed for self-employed professionals and small business owners who rely on their van to work. With core cover for accidental damage, theft, fire, and vandalism, the policy also offers new-for-old replacement, audio and satnav cover. We offer RAC Breakdown as an optional extra to help tailor the policy to your clients needs. Straightforward. Practical. Business-ready protection. View Policy Documents Here Key Features Repairs & Courtesy Van All repairs by our approved repairers are guaranteed for as long as you own the vehicle. A courtesy van is provided (subject to availability). Uninsured-Driver Protection No excess to pay and no loss of no-claims bonus if hit by an uninsured driver (must have their registration and details). New Vehicle Replacement If the vehicle is under 12 months old and written off, it will be replaced with a new one. Windscreens & Windows Repair or replacement, including recalibration of sensors. Claims don’t affect your no-claims bonus.

Trades & Two flexible products. One clear proposition. All-round protection for hands-on and office-based clients. At Covéa, we know that no two businesses work the same way. That’s why our Trades and Professions policies are built to reflect the real-world risks of both manual and service-based work — from sole traders and consultants to small teams across the UK. Whether your client is out on site with tools in hand, or running a business from a laptop, we’ve got them covered with tailored, modular cover options that are designed for how they work. Trades – designed for contractors, builders, decorators and other manual trades. Professionals – built for office-based and service-led businesses, from consultants to self-employed creatives. Professionals Smart cover for working people. Easy to place. Easy to trust. Built for the broker market. Trades Professionals Key Features Tool Cover On the Move Protects hand tools and portable power tools in transit or locked storage — with theft extensions and flexible limits to suit the job. Contract Works Cover Includes materials, temporary works and off-site storage — plus debris removal, reinstatement costs and show home protection. Public & Employers’ Liability as Standard Covers legal liability for injury or damage, including temporary employees and bona fide subcontractors — all in one policy. Optional Accidental Death Benefit £10,000 lump sum for fatal injuries within the insured period — additional reassurance for self-employed tradespeople. Trades Flexible protection for hands on Tradespeople. Our Trades policy is a no-nonsense, modular solution built for contractors, sole traders and small businesses working across a range of trades. With core cover for liability and optional add-ons for tools, contract works and plant, it’s designed to fit the way your clients work — whether they’re on-site, in transit, or running the job solo. Straightforward to place, competitively rated, and backed by 24/7 first notification of claims support, it gives you the confidence to protect your clients quickly, clearly and completely. An example of our appetite Electrician Painting & Decorating Building Hairdressing Property Maintenance View Policy Documents Here Key Features Public & Employers’ Liability Cover for third-party injury or damage and employee claims — including protection for temporary staff and work overseas. Portable Tool Cover Protects essential handheld tools and tech — even on the move, with theft and accidental damage options. Goods in Transit Up to £500 cover for business equipment while loading, transporting, or unloading — ideal for consultants on the go Optional Accidental Death Benefit £10,000 lump sum for fatal accidents, providing extra reassurance for sole traders and independent professionals. Professionals Cover for self-employed professionals and consultancy businesses. Our Professionals policy is purpose-built for modern service providers — from designers and consultants to office-based contractors. It combines essential liability protection with optional add-ons for tools and transit, giving your clients flexible protection that travels with them, whether they work from home, an office, or out on the road. With a clear, modular structure and strong core cover, it’s easy to place, simple to explain, and backed by 24/7 first notification of claims support. An example of our appetite Consultants Accountants Auditors Clerical Services View Policy Documents Here

Welcome to CovéaPod, the dedicated podcast for our brokers! Join us as we dive into the world of risk management, emerging trends, hot topics, insurance regulation and much more! Each episode, our hosts unravel complex industry topics, share market insights and interview top professionals to provide you with valuable knowledge and insights.

Premium finance Supporting Your Clients with a Monthly Re-payment Option At Covéa Insurance, we know that the ability to pay monthly can make a real difference. That’s why we offer access to premium finance through Premium Credit Limited (PCL), allowing clients to spread the cost of their cover in a way that suits them. Covéa Insurance is a credit broker, not a lender — and we only arrange credit through Premium Credit Limited. On this page, you’ll find useful information about our re-payment option, so you can support your clients with confidence. How To Apply Get in touch with us – speak to your Underwriter or our Commercial/Private Client Direct Debit team. You can contact our Direct Debit team by emailing: direct.debits@coveainsurance.co.uk or call us on 0118 925 8803 We’ll send you a document with all the important details about our new premium credit option. Please make sure you share this with your client, so they can decide if monthly repayments is right for them. If they choose to go ahead, the document will include a link to a secure form to complete the application. Complete the form – it asks for client details including bank information. We’ll pass it to PCL – they’ll carry out the necessary checks and we may contact you if more information is needed. Approval and next steps – we’ll let you know within 3 working days if the application is successful. Customer documents – PCL will send the agreement to your client, who must sign and return it. This can be done online. Premium Finance FAQs What’s Changing? From 1st July 2025, Credit Agreements for all Commercial and Executive Home, policies will be provided through Premium Credit Limited (PCL). Covéa has partnered with PCL to provide a new monthly repayment option. What is Premium Credit Limited (PCL)? PCL is a well-established finance provider, working with over 1,600 brokers and supporting 2.8 million customers. They’re authorised and regulated by the FCA (registration number 702718). Who arranges the premium finance? Covea Insurance plc (Covéa) is the Credit Broker that arranges premium finance for customers only through Premium Credit Limited. What will the interest rates be? Commercial Lines: Regional business: We offer flexible rates so please contact your usual underwriting contact to discuss. eTrade & Volume business: 6% via PCL. Private Clients: Executive Home: 6% via PCL. Please note - Executive Plus will remain on 0% interest with Covéa Does Covéa receive any commission? Yes, Covéa is paid a commission by PCL if your customer takes out a Credit Agreement with them. What happens if your customer decides to pay monthly? If your customer decides to pay monthly, they’ll be entering into a Credit Agreement with PCL. They must sign and return their Credit Agreement, which can be done online. Does this change affect the customer if they pay annually? No, this change does not affect anyone who chooses to pay in a single annual payment. Does this change affect the customer’s existing Covéa Credit Agreement? No, this change does not affect your customer’s existing Covéa Credit Agreement. If your client wishes to continue paying by monthly repayments after receiving their renewal invitation, you will need to contact us to establish a new agreement through PCL. What if the customer doesn’t sign and return the Credit Agreement? If your customer doesn’t sign and return the Credit Agreement, PCL will send a reminder letter and charge a £25 ‘chaser fee’ for doing so. What are the requirements to apply for credit? To apply, your customer must: Be aged 18 or over. Be a UK resident (England, Wales, Scotland, and Northern Ireland; excluding the Channel Islands such as Jersey and Guernsey). Have a bank or building society account that accepts direct debits. How is the customer’s personal information used? Covéa will submit the application and share your customer’s personal information and bank details with PCL to set up and manage the repayment plan. PCL will use your customer’s personal information to conduct anti-money laundering checks and credit assessments. Can the customer repay early? Yes, your customer can make a full or partial repayment at any time under the terms set out in their Credit Agreement. What is the customer’s right to withdraw? Your customer can withdraw from the Credit Agreement free of charge within 14 days. Any repayments already paid will be refunded to the customer. If your customer cancels after 14 days, they may have to repay any money owed to PCL. What charges apply under the Credit Agreement? PCL applies a charge for providing credit to finance your customer’s insurance premium. This is shown as the ‘Transaction Fee’ and the amount will be detailed in the customer’s payment schedule together with the APR. What happens if a payment is missed? If a payment is missed, a £25 fee will be applied. Non-payment may mean that the Credit Agreement is terminated, and your customer will have to pay any outstanding balance owed. Non-payment may be reported to Credit Reference Agencies, which can adversely affect your customer’s credit rating. Can the payment date be changed? Yes, the payment date can be moved within the same month for free. What happens if the customer makes changes to their insurance policy? Covéa will inform you of any change in premium. Most changes to your customer’s insurance premium can be accommodated within the Credit Agreement, and PCL will send a revised payment schedule up to your customer’s renewal. What happens if PCL cancel the customer’s credit agreement? PCL typically cancel a customer's agreement after five missed payments.Your customer will be notified by PCL and Covéa will contact you to arrange an alternative payment method to avoid cancelling the policy. Can the customer reapply for credit if they’ve had a previous agreement cancelled by PCL? Customers are not necessarily blacklisted from applying for PCL credit permanently. Typically, PCL will conduct a new credit assessment if a customer wishes to reapply. If the customer has improved their credit standing and can demonstrate reliability, they may be considered for a new agreement. There isn't a universally fixed timeframe for when a customer can reapply, as it largely depends on the individual circumstances and the outcome of the credit assessment. How can the customer contact Premium Credit Limited? Premium Credit Limited: Write to: Operations Centre, Ermyn House, Ermyn Way, Leatherhead, Surrey, KT22 8UX Tel: 0344 7369836 Website: www.premiumcredit.co.uk

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