Uinsure

Uinsure Technical Guide

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Introduction

Uinsure is a 5-star Defaqto rated insurance manufacturer that offers a range of insurance products with Home Insurance being at the core. All our products have a common policy wording meaning that the policy is designed and serviced by Uinsure but is underwritten by several leading UK insurers.

There are two takeaways; the cheapest underwriter provides the same policy as the most expensive for any given risk, secondly, Uinsure effectively reverse auctions a risk to our panel of insurers (classified as whole of market) to provide the best possible cover and price.

Uinsure’s primary product set is split into two categories.

  1. Standard Home Insurance
    • Classified as an owner-occupier policy.
  2. Buy-to-let / Landlords
    • Where the policy is for someone who is the owner but not the occupier of the property.

The Market Landscape

There are a number of mortgage players in this market with all of them fitting into one of the three following categories when it comes to Home Insurance.

  1. Those that want to sell it themselves.
  2. Those that would prefer their customers to do it.
  3. Those that want us to do it.

The below sections thus, outline all of the above scenarios, thus enabling you to achieve the most appropriate solution.