Independent insurance brokers
Protection that moves with you.
Insurance that adapts to your life or your business. We help you understand your options, arrange appropriate cover with insurers, and make sure you know where to turn when you need support.
Support when you need it most.
After an incident, the first hours matter. Our claims guidance sets out what to do first, who to tell, and what information is usually asked for, so nothing important is lost while you are dealing with the loss itself.
Claims guidanceClaims are decided by your insurer under the terms of your policy. We can help you present and follow up a claim. We cannot guarantee the outcome or the timescale.
Report or check a claim
These are the routes that actually exist. Use whichever fits the situation.
- Email an adviseradvice@aldergate.example
- Notifying your insurerHow and when to tell them
- First hours checklistWhat to record before anything moves
- Policy serviceChanges, documents, renewal
We answer enquiries during business hours and do not operate an emergency line. In an emergency, contact the emergency services first.
What we arrange
Cover for the things you actually rely on
Each class has its own page explaining the risk it answers, the terms that decide claims, and what an insurer will want to know.
Personal insurance
Households, drivers, landlords and travellers. Cover arranged around what you own and how you live.
Personal insurance overview
Business insurance
Trading premises, liability, professional risk, cyber exposure, vehicles and contract works.
- Commercial property & interruption
- Liability
- Professional indemnity
- Cyber & data
- Commercial motor & fleet
- Management liability
- Construction & contract works
These summaries are general. Whether a loss is covered depends on the wording, schedule, endorsements, limits and exclusions of the policy actually issued to you.
Why work with a broker
Advice first, paperwork second.
A broker acts for you rather than for an insurer. We do not underwrite policies. We work out what you stand to lose, approach insurers on your behalf, and explain the terms you are being offered before anything is bought.
Independent advice
We are not tied to a single product. The approach follows from the exposure, not from what is easiest to sell.
Clear explanations
Conditions, warranties and exclusions are drawn out in plain language while you can still act on them.
Access to support
One adviser handles the policy year, so you are not starting again with someone new when something happens.
Ongoing service
Mid-term changes, document requests and renewal reviews are handled as part of the relationship.
Helpful resources
Written for people reading their own documents. General information only, and no substitute for your own policy wording.
Reading a policy schedule
The schedule is the document that says what your specific policy covers. Most disputes are visible in it, months before a claim.
Underinsurance and average
A settlement can be reduced even where a loss is clearly covered. The mechanism is usually a condition of average applied to a declared value.
The first hours of a loss
Claims are decided partly on evidence gathered before anyone thinks about the policy. A short, ordered response protects both the property and the claim.
Questions for renewal
Renewal is the only scheduled moment when cover can be restructured without cost. Most policies renew unchanged because nobody asked.
Local advice. Lasting relationships.
We work with a small number of households and businesses so the same adviser knows the risk, the wording and the history. That is what makes a renewal review useful and a claim notification quick.
Tell us what you are trying to protect.
A quote request asks the minimum an adviser needs to start: what the risk is, how to reach you, and when you need an answer. Nothing sensitive, and nothing you have to gather in advance.