Skip to main content






Opening Hours
Monday - Friday: 9 am to 5 pm
UTC/GMT +1 hour

Insurance Cover

"Don't navigate the complex world of insurance alone. With Primo, you gain access to a team of expert brokers who will simplify the process, compare quotes from multiple insurers, and ensure you get the most comprehensive coverage at the best possible price."

Why Use a Professional Insurance Broker in the UK? Your Guide to Smart Cover

In the complex world of insurance, finding the right policy for your needs can be daunting. A professional insurance broker can be your trusted guide, offering expertise, personalised service, and access to a wider range of options. Here's why you should consider using one:

Brokers vs. Insurers: What's the Difference?

  • Insurers (Insurance Companies): These are the entities that create and sell insurance policies. They assess risk and set premiums. While they can provide information, they are ultimately focused on their own products.
  • Insurance Brokers: Brokers work on your behalf, not for an insurance company. They are independent experts who help you find the best insurance policy to suit your individual needs and budget. They can access a wide variety of policies from different insurers, offering you more choice and potentially better value.

The Key Advantages of Using an Insurance Broker

  1. Expertise and Advice: Brokers are highly knowledgeable about the insurance market and can explain complex terms and conditions clearly. They can assess your unique risks and recommend the most appropriate coverage.
  2. Personalised Service: Brokers take the time to understand your specific needs and tailor insurance solutions accordingly. They act as your advocate, providing ongoing support throughout the policy's lifetime.
  3. Wider Access to the Market: Brokers can access a broader range of insurance products than you could find on your own, including specialist policies or those with unique features.
  4. Time-Saving and Convenient: Brokers do the legwork for you, comparing different policies and negotiating with insurers to get you the best deal. This saves you time and effort.
  5. Claims Assistance: In the event of a claim, your broker can guide you through the process, ensuring a smoother and potentially faster resolution.
  6. Cost-Effective: While brokers charge a fee (usually a commission from the insurer), they can often save you money by finding better deals and negotiating lower premiums.

Finding a Reputable Broker: BIBA's Role

The British Insurance Brokers' Association (BIBA) is a trade association representing insurance brokers in the UK. BIBA members are committed to high professional standards and adhere to a strict code of conduct.

To find a BIBA-registered broker, you can use their online 'Find Insurance' tool: The British Insurance Brokers' Association

Frequently Asked Questions About Insurance Brokers

  1. Do I have to pay a broker? Most brokers earn a commission from the insurer, so there's often no direct fee for their services.
  2. Are brokers regulated? Yes, brokers are regulated by the Financial Conduct Authority (FCA) in the UK, ensuring they meet strict standards of professionalism and integrity.
  3. Can I use a broker for any type of insurance? Yes, brokers can help you with various insurance types, including home, car, business, life, and specialist coverage.
  4. What if I have a complaint about my broker? You can raise concerns with the broker directly, or escalate it to the Financial Ombudsman Service if unresolved.
  5. How do I choose the right broker? Look for a broker with experience in your type of insurance, good communication, and a BIBA membership for added assurance.
  6. Can a broker help me switch policies? Absolutely. Brokers can help you review your existing coverage and find a better policy if needed.

By understanding the benefits of using a professional insurance broker and choosing a reputable one, you can be confident you have the right protection in place.

Three tips to help save you time obtaining quotes!

Listing your details, answering specific questions about your business such as your industry, number of employees, and types of equipment, and then repeating this process with every broker or insurer you speak to consumes much of your time. This is because each broker or insurer needs this specific information about your business to provide an accurate quote, and this process can be time-consuming if you need more preparation.

Like anyone's, your time has value and is often better spent obtaining new business. It's no wonder many business owners accept a quote after only speaking to one or two brokerages.

We've streamlined the process for you. By following these three simple steps, you can significantly cut down on the time spent on insurance renewals each year. This translates to more time for your core business activities, less stress, and a more efficient insurance renewal process.

  • Lists:
    Keep a comprehensive list of all your equipment and assets (staff, fleet, machinery, equipment, buildings, etc.). Ensure this is in a format usable on a PC, such as .pdf, .txt, .csv, or .doc, and keep it up to date. When it's time to renew or arrange your insurance, you won't need to recall, list, or enter all of these details when communicating with your broker. If you use an online quote facility, it's much simpler to copy and paste than to type everything out.
  • Proposal:
    Keep a copy if you fill out a proposal form or are given a completed one (usually after your first quote). This copy can serve as a reference for future insurance renewals or when seeking additional quotes. For instance, if you're a construction company and you've just received a quote for your fleet of vehicles, keep a copy of the proposal form. You can email this to your broker or other brokers for more quotes, enabling you to compare and choose the best option for your business.
  • Update:
    Remember, if your circumstances or equipment undergo changes, it's crucial to inform your broker promptly. This proactive approach ensures that your insurance is always based on the most accurate and current data, providing you with peace of mind and preventing any potential coverage gaps.

Why should you choose Primo?

Insurance Solutions That Protect Your Business and Personal Needs Correctly

Our History and Evolution

Primo, synonymous with insurance since 1971, stands as a beacon of stability and reliability. Our journey began over five decades ago, and in 2000, we adopted our current name following the merger of nine distinct businesses, some of which had been operational for more than half a century. Since 1987, our management team has remained consistent, guiding Primo through various phases of growth and development. This enduring stability sets us apart and fosters a deep sense of trust in our clients, a trust that has been built over years of dedicated service.

In December 2022, Primo was acquired by A-Plan, a prominent entity that merged with Howden. This strategic acquisition has not only positioned us as one of the UK's largest independent insurance brokerage groups but also enhanced our capabilities significantly. With the backing of A-Plan and Howden, we are now able to offer an even broader range of services, ensuring that we can meet your evolving insurance needs with the same level of personalised service you have come to expect from us.

Our Commitment to Personal Service

At Primo, we hold our commitment to personalised service in the highest regard. Our office is staffed with courteous and knowledgeable professionals who are always ready to answer your call promptly. We believe in maintaining a human touch, so we do not use automated call handling systems or operate a call centre. When you reach out to Primo, you can be confident that you will always speak directly with a helpful person. This unwavering commitment to personal service is not just a part of our business; it's our way of making you, our valued client, feel important and prioritised because your needs matter to us.

Our Exclusive Focus on Insurance

Insurance is not just a part of our business but our sole focus. We are committed to providing expert insurance solutions without the distraction of selling ancillary products such as pensions or credit cards. This exclusive focus on insurance ensures that we are always at the forefront of the industry, ready to provide you with the best insurance solutions for your needs. Our dedication to our core business is a testament to our expertise and unwavering commitment to you. By focusing solely on insurance, we can stay updated on the latest industry trends, regulations, and best practices, and apply this knowledge to benefit our clients.

Our Insurance Services

Comprehensive Cover Options

We specialise in providing insurance quotations for a wide array of needs. Whether you require cover for straightforward or complex risks, we have the expertise to assist you. Our comprehensive cover options include:

- Property Insurance: Protect your physical assets, whether for business or personal use.
- Liability Insurance: Cover potential legal claims that may arise in both business and personal contexts.
- Business Interruption Insurance: Safeguard your income in case of unforeseen events that disrupt your operations.
- Specialised Coverage: Tailored insurance for niche industries, addressing unique risks.

For more intricate risks, particularly those with substantial liability considerations, we may need additional time—up to two weeks—to secure the best possible deal. Our strong relationships with leading insurers across the UK enable us to deliver exceptional coverage options tailored to your requirements.

Every client is unique, so we take the time to understand your specific needs and provide bespoke insurance solutions. Our goal is to ensure that you have the right cover in place, giving you peace of mind whether you’re managing a business or protecting your personal assets.

About Primo

At Primo, we aim to provide our clients with unparalleled insurance solutions. Our history of stability and growth, unwavering commitment to personal service, and exclusive focus on insurance sets us apart in the industry. We are proud to be part of one of the UK's largest independent insurance brokerage groups, and we look forward to continuing to serve our clients with the same dedication and expertise that has defined Primo for over fifty years.

When you choose Primo, you choose a partner committed to correctly protecting your business and personal needs. Our experienced team, comprehensive cover options, and personalised approach ensure you receive the correct insurance solutions tailored to your needs. Trust Primo to be your insurance partner, dedicated to safeguarding your business and personal interests today and in the future.

Get in Contact...

You have several options when it comes to contacting our brokers and we'd be more than happy to help you resolve your insurance needs.

You may either phone us, email us, arrange for us to call you back, fill out a proposal form or use our live chat service during office hours (will return soon) and we will have you insured and covered correctly in no time.