Personal Lines Insurance

From home insurance through to travel, we’ll have you covered with personal lines insurance unique to you.

What is Personal Lines Insurance?

Personal lines insurance is all about looking out for individuals when tough times hit—whether it’s due to loss from unfortunate events like death, injury, or property loss. It’s like a safety net for you and your loved ones, ensuring you’re covered for losses that might be too much to handle on your own. You’ll have peace of mind when driving your car or owning your own home, knowing that you’re shielded from potential financial setbacks.

Personal lines insurance is different from commercial insurance, which focuses on safeguarding businesses and their assets.

Our Personal Lines Insurance Policies

We’re all unique and we all have different needs and priorities. Our personal policies will protect what matters to you.

As our client, you will be listened to by one of our personal insurance experts to identify your needs and requirements. Our expert will then liase with our accredited insurers to get a policy to suit you and your organisation at the right price.

It’s our job to make sure you’re not under or over insured. We want what’s right for you – that’s why we’re here.

Personal Lines Insurance Policy Types

We will always do our best to help as many businesses as we can. This includes, but is by no means limited to:

Home Insurance

Your home is important and should be protected in any event. Our home insurance is there to do just that.

Unoccupied Properties

Have a property that will be unoccupied for longer than a standard policy covers? We can help.

Motor Insurance

Incidents happen on the road, that’s a fact. That’s why our motor insurance is there to protect you and your vehicle.

Landlord Insurance

If you own a rental property, we can offer cover for buildings, contents and loss of rent.

Travel Insurance

Many travel to relax, but unexpected events can happen. Our travel insurance alleviates the stress.

GAP Insurance

Brand new cars can quickly lose value. Our GAP insurance ensures you don’t lose money in unexpected events.

A-One In-house claims shield

Our in-house claims department

Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.

This means you'll have one point of contact to manage your claim from start to finish.

What are the Benefits of Personal Lines Insurance?

Personal lines insurance is all about looking out for individuals when tough times hit—whether it’s due to loss from unfortunate events like death, injury, or property loss. It’s like a safety net for you and your loved ones, ensuring you’re covered for losses that might be too much to handle on your own. You’ll have peace of mind when driving your car or owning your own home, knowing that you’re shielded from potential financial setbacks.

Personal lines insurance is different from commercial insurance, which focuses on safeguarding businesses and their assets.

Financial Protection

Personal lines insurance provides a financial safety net, helping individuals and families cope with unexpected expenses related to accidents, injuries, or property damage.

Cover for Personal Property

Personal lines insurance often includes coverage for personal property, such as home contents, against risks like theft, fire, or natural disasters.

Risk Mitigation for Homeowners

Homeowners insurance within personal lines coverage protects against risks like fire, theft, and natural disasters, providing financial assistance for repairs or rebuilding.

Peace of Mind

Knowing that you have insurance coverage brings peace of mind. It allows you to go about your daily life without constant worry about potential financial setbacks.

Legal Assistance

Many personal lines insurance policies offer legal assistance coverage, helping with legal fees and related expenses in case you need legal representation.

Motor Protection

Motor insurance, a crucial part of personal lines coverage, helps cover the costs of repairs or replacements in case of accidents, theft, or damage to your vehicle.

    Personal Lines Frequently Asked Questions

    What is home insurance?

    Home insurance is generally split into two parts – buildings insurance and contents insurance.

    Buildings insurance covers the physical structure of your home. Protecting against things such as weather and fire damage. Contents insurance protects your belongings against damage and theft.

    Buildings and contents policies can be purchased separately or as one joint policy.

     

    What level of cover do I need?

    The amount of coverage depends on individual circumstances. Factors such as income, assets, and personal preferences play a role. We will take all the time you need to go through this with you and help work it out together.

    What does 'excess' mean?

    The term ‘excess’ refers to the amount of money for making a claim.

    It simply means how much you will need to put towards the total claim cost before your insurer pays the rest.

    Can I customise my cover?

    Yes, many insurance policies offer flexibility. You can customise coverage based on your needs, adding or removing specific types of coverage or adjusting coverage limits. We’ll help you figure out exactly what you need and what you don’t.