Our Products

We have a vast range of niche insurance products for both personal and commercial line brokers.

 

Personal Insurance Products

Learner Driver Motor Insurance
  • Short term motor policy for learner drivers;
  • Parents won't have to insure their son/daughter on their own policy.
  • Insurance for learning to drive in someone else's car
  • Insurance for learning to drive in your own car.

Adding a young driver learner driver to your customer's motor insurance policy can be complicated and expose the parent / sibling's good driving record. Learner Driver Motor Insurance is a flexible simple solution which protects your customer's main motor insurance policy whilst allowing the learner driver to obtain the necessary experience prior to taking their driving test.

GAP Insurance
  • We have been providing GAP insurance to brokers for over 15 years.
  • We are BIBA's exclusive scheme provider for GAP insurance.
  • The FCA recent Thematic Review identified that GAP insurance sold by an insurance broker is not deemed to be an "Add-On".
  • We offer Broker specific GAP products as well as the car dealer equivalent.

GAP insurance is designed to protect your customers against a financial shortfall in the event of a total loss due to Fire, theft, Accident or Accidental Damage. We have one of the widest portfolio of products available. Our GAP products will benefit your clients who are:

  1. buying a new or used vehicle;
  2. buying a vehicle from a dealer or privately;
  3. obtaining a vehicle on Finance, lease or even outright purchase;
  4. in the situation where they did not buy GAP when they purchased their vehicle all those months/years ago.

We cover the following vehicles:

  • Cars
  • Driving Schools
  • Motorhomes
  • Motorbikes
  • Taxis on a scheme basis
  • See our commercial products for GAP on commercial vehicles.
Excess Insurance

Excess Insurance is designed to repay your client the amount of the policy excess they have to pay following a successful claim under their motor insurance policy. We can offer you a number of Excess Insurance solutions including

  • Motor Excess Protect - Reimburses your client's excess following a fault claim.
  • Multi Motor Excess Protect - Same as above but instead it covers all cars registered at the client's home address, up to 5 vehicles.
  • Lifestyle Excess - 1 simple policy that will reimburse your clients non recoverable excess on the following 3 main policies: Motor, Home and Annual Travel Insurance.
  • Multi Motor Lifestyle Excess - Same as Lifestyle excess, however in addition covers up to 5 vehicles registered at the home address
  • Motor Excess Protect Plus - A product which not only protects the excess on a customer's motor insurance policy, but also extends to cover the excess on any Hire Car they use in the UK or Worldwide.
Motor Breakdown Insurance

Motor vehicle breakdown cover available for cars up to 15 years old.

  • Average response times are 39 minutes (year 2014)
  • 82.1% of breakdowns are fixed at the roadside
  • A choice of UK and European cover
  • Vehicle home start
  • Onward transportation
Home Emergency Insurance

We work with a leading provider of home assistance products. Our services include:

  • Home Emergency Cover (plumbing, glazing, locks, roofing)
  • Central Heating Boiler and System Cover with Annual Service as optional
  • Plumbing/Drainage Cover
  • Wiring/Electrical Cover
  • Lock and Key Cover
  • Electrical Warranties
  • Pest Infestation Cover

Commercial Lines

Fleet Gap

GAP Insurance for fleets is growing as more and more fleet operators look to protect their vehicle assets against a write off following Fire, theft, Accident or accidental damage.

  • Designed for companies running 2 or more vehicles;
  • Annually renewable policy and will cover all eligible vehicles on the fleet up to 44 ton GVW;
  • Allows for movements on/off the fleet with pro rata charging/rebating;
  • Our unique policy will Apply to vehicles on lease, finance and vehicles owned outright

This policy is designed to clear the outstanding balance owing to the Finance/lease company if the motor insurer settlement has not been enough to clear it or we top up the motor insurer's total loss settlement by 25%. Whichever calculation is the greater. (maximum sums insured apply).

Excess Insurance

Excess Insurance is designed to repay your client the amount of any policy excess they have to pay following a successful claim under their insurance policy. Commercial Excess products available are:

Fleet Excess

  • Designed for fleets of 2 to 30 vehicles;
  • Flexible annually renewable cover allowing for movements on/off the fleet
  • Cover for cars and commercial vehicles up to 44t GVW

Single commercial Excess

  • Cover available for Commercial vehicles up to 44t GVW
  • We will cover Couriers, Taxi, Minibus

Commercial Combined Excess

Excess cover for claims under the following sections of a commercial insurance policy: Business interruption, fire, flood, public liability, theft vandalism

Breakdown

Motor vehicle breakdown cover available for cars, Taxi and vans up to 7.5t GVW

  • Cover available for single vehicles and fleets.
Breakdown

Covers your client's principal place of residence or residential let property against Emergency repairs.

Leisure Lines

Touring Caravan Insurance

Six Rating Factors

Whilst touring caravans are stolen or are damaged due to adverse weather conditions, the majority of insurer's claims costs relate to attritional losses such as bumps and scrapes which correlate to how long the towing car and caravan have been owned and how often they are used together. Based on this knowledge we have been able to develop a quote facility for Brokers that will deliver a touring caravan insurance quote in just 6 questions.

Features & Benefits

  • Cover for Theft and Accidental Damage
  • £2 million Public Liability cover
  • 60 day European use
  • Cover of Alternative Accommodation costs
  • Ill driver cover
  • Cover for use by family & friends

New for Old or Market Value

Cover is available for Touring caravans up to 15 years with customers able to insure on either a New for Old (caravan up to 5 years of age) or Market Vale basis.

No Minimum Volumes

Quotes can be obtained for touring caravans and their equipment (including awnings) valued up to £30,000. No minimum volumes are required and as usual all our Broker partners will benefit from generous commissions paid for New Business and at Renewal.

Static Caravan Insurance

Cover on Any Caravan Park in the UK

Cover for static caravan, leisure homes, chalets and holiday lodges all under one policy using one simple rate for premium calculation. We can quote for units sited on any licenced holiday park in the UK including those sited on a flood plain (flood may be excluded) and include cover for site clearance, delivery and re-siting as standard.

Features & Benefits

  • Cover for accidental damage and theft
  • £5 million Public Liability cover
  • Includes cover for use by family and friends
  • Includes cover for alternative accommodation and loss of ground rent
  • Up to £750 cover for garden re-landscaping

Choice of Cover

Cover is available for units up to 20 years with customers able to insure on either a New for Old (up to 10 years of age) or Market Value basis.

No Minimum Volumes

Quotes can be obtained for structure up to £100K plus up to 4% of the structures sum insured for contents. No minimum volumes are required and as usual all our Broker partners will benefit from generous commissions paid for New Business and at Renewal.

Cycle Insurance

Cover for The Whole Family

Our cycle insurance policy caters for the whole family with 5 bicycles insurable under one policy which offers a wide range of standard features and benefits – no complication, no additional premiums.

Unlike many home insurance policies, cycle insurance from Jackson Lee provides accidental damage cover and public liability cover for bicycles whilst in use and policyholders are also covered to take part in sportives and other non-competitive cycling events..

Features & Benefits

  • New for old cover for 3 years, bikes over 3 years repaired/replaced to equivalent model or specification
  • 60 days cover in Europe
  • £2 million Public Liability cover
  • £20K Personal Accident cover
  • Replacement bicycle hire up to 10% of sum insured

Cycle Rescue Included as Standard

Should your policyholder suffer a mechanical failure during their bike ride our cycle rescue cover will ensure that they can get home safely with a minimum of fuss.

No Minimum Volumes

Quotes can be obtained for bicycles and their accessories valued up to £15,000. No minimum volumes are required and as usual all our Broker partners will benefit from generous commissions paid for New Business and at Renewal.

Camera Insurance

Cover the Whole Family Can Enjoy

Our camera insurance policy caters for the whole family with all family members covered to use the camera equipment at no additional cost. Accidental loss plus as a wide range of additional features and benefits are covered as standard – no complication, no fuss.

Unlike many home insurance policies, camera insurance from Jackson Lee provides accidental damage cover and public liability cover for camera equipment whilst in use and equipment is also covered if left in a locked vehicle overnight.

Features & Benefits

  • New for old cover for 3 years, equipment over 3 years repaired/replaced to equivalent model or specification
  • 60 days cover in Europe and optional Worldwide cover
  • £2 million Public Liability cover
  • £20K Personal Accident cover
  • No single article limit

Replacement Equipment Hire

Should your policyhoders camera equipment be the subject of a claim we can pay for hire replacement equipment valued up to 10% of the sum insured so that they can carry on with their hobby whilst waiting for their claim to be settled.

No Minimum Volumes

Quotes can be obtained for camera equipment valued up to £10,000. No minimum volumes are required and as usual all our Broker partners will benefit from generous commissions paid for New Business and at Renewal.

Fishing Insurance

Keep it in the Family

Our fishing insurance policy caters for the whole family with all family members covered to use the fishing equipment at no additional cost. Accidental loss plus as a wide range of additional features and benefits are covered as standard – no complication, no fuss.

Unlike many home insurance policies, fishing insurance from Jackson Lee provides accidental damage cover and public liability cover for fishing equipment whilst in use and equipment is also covered if left in a locked vehicle overnight.

Features & Benefits

  • New for old cover for 3 years, equipment over 3 years repaired/replaced to equivalent model or specification
  • Replacement equipment hire up to 10% of sum insured
  • £2 million Public Liability cover
  • £20K Personal Accident cover
  • No single article limit

Optional Worldwide Cover

Should your policyholders wish to take their equipment abroad to fish, cover in Europe for 60 days is included as standard.  For policyholders wanting to fish in more exotic locations outside Europe, additional Worldwide cover can be provided for a small extra charge.

No Minimum Volumes

Quotes can be obtained for fishing equipment valued up to £10,000. No minimum volumes are required and as usual all our Broker partners will benefit from generous commissions paid for New Business and at Renewal.

Other Services - Jackson Lee Underwriting

As an underwriting agency we also specialise in sourcing additional underwriting capacity for new and existing schemes. Many brokers contact us because they either need additional underwriting capacity or are looking to launch a non-standard product that requires a certain underwriter to consider such a risk.

Our strengths:

  • Re-Insurance programmes for contingency risks in Europe;
  • Capacity for niche insurance programmes in the United Kingdom;
  • Insurance partners with a flexible approach to underwriting with a desire to broaden their existing portfolios.