Drewberry Insurance is a leading independent, whole of market, insurance intermediary specialising in health and protection insurance.
Why Drewberry Insurance?
Drewberry aims to provide the very best advice and customer service for our clients when arranging suitable insurance plans from the most reputable and competitively priced insurers in the UK. Their advisers pride themselves on having extensive product and insurer knowledge.
There is no fee for the service and absolutely no obligation to take out any of the plans recommended.
Private Medical Insurance (PMI)
PMI is designed to cover the cost of consultations, diagnostic testing and treatment in private healthcare facilities.
Please see the dedicated Drewberry healthcare insurance website for more information.
Benefits of health insurance
The benefits of PMI are often cited as being:
1) The avoidance of potentially long NHS waiting times;
2) Reduced risk of contracting infections, such as MRSA; and
3) More comfortable and private hospital accommodation.
Drewberry offers the health insurance products of all market leading insurers, such as Bupa, Aviva, AXA PPP Healthcare, PruHealth, Health-On-Line and others.
Serving individuals, families and businesses
Drewberry provides advice and arranges medical insurance plans for individuals, couples and for families under one policy (please see the guide to family health insurance for more information).
Drewberry also arranges private health insurance for businesses and other organisations under one group insurance scheme (please see the guide to business health insurance for more information).
Income Protection Insurance (IP)
Another popular personal protection plan is income protection cover (sometimes known as permanent health insurance).
This type of insurance is designed to payout a monthly income should you have to take time out of work due to illness or injury, therefore suffering a subsequent loss of earnings.
Please see the dedicated Drewberry income insurance website for more information.
Benefits of long-term income insurance
With very limited state benefits available, income protection is the only real means of maintaining long-term living standards should illness or injury strike.
The plan provides an income (up to 65% of gross earnings) so you can still pay for essential monthly costs, such as rent/mortgage payments, utility bills and grocery costs.
These are very comprehensive plans as they can usually payout for practically any medical complaint that prevents you from working. The term of the plan is usually set at retirement age, thus providing long-term support should you be unable to return to work.
Short-term sickness insurance alternative
Although income protection provides a far greater scope of protection the premiums can sometimes be a little high for older or more manual workers.
In this case, it makes sense to consider an accident and sickness insurance plan, which can payout for a maximum of 12 or 24 months, rather than until retirement (please see the guide to sickness insurance for more information). It is often better to have some protection rather than none at all.
Other Drewberry product services
In addition to private healthcare insurance and income protection insurance, Drewberry also provides advisory and broking services for a number of other protection policies.
Mortgage Protection Insurance
Drewberry has a specialist service and website for individuals seeking to protect their mortgage loan, whether taken out individually or as a couple.
The main products arranged in this area include mortgage life insurance with critical illness cover (paying out a lump sum upon death or the diagnosis of a critical illness condition) and mortgage payment protection (paying out a monthly benefit if time has to be taken off work due to accident, sickness or unemployment).
Please see the dedicated Drewberry mortgage assurance website for more information.
Business Protection Insurance
Drewberry also offers business protection insurance services, brokering products such as keyman insurance and shareholder protection in order to adequately cover businesses and shareholders against the loss of a key director (please see our guide to business protection for more information).
What their clients think
Drewberry consistently receives positive feedback from 99% of clients, with many clients stating how happy they are with the ease and convenience of the process for taking out cover.
“Everything was explained well to us. Full support was given with filling in the forms. The quote was impressive too!”
“Very quick response from the adviser. He found an appropriate policy for my needs and responded quickly to my enquiries.”
“The helpfulness of the adviser who answered all my silly questions and could not have been more helpful.”
How Drewberry obtains the lowest premium rates
Many people think that the lowest premiums are obtained by going direct to insurers, however, this simply isn’t the case.
Firstly, if you go directly to an insurer you go with the purchasing power of one. Given the size of Drewberry's network, when they go to an insurer they go with the purchasing power of thousands, thus negotiating the most competitive premiums.
Secondly, many insurers do not actually sell directly to consumers. These insurers recognise that advisers are best placed to arrange suitable cover and therefore only sell their plans via advisers.